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Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.


The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income
  • Account balances and payment history
  • Credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.


All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Community Bank & Trust chooses to share; and whether you can limit this sharing.



For our everyday business purposes

Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes

To offer our products and services to you

No We Don't Share

For joint marketing with other financial companies

No We Don't Share

For our affiliates' everyday business purposes

Information about your transactions and experiences

No We Don't Share

For our affiliates' everyday business purposes

Information about your credit worthiness

No We Don't Share
For our non-affiliates to market to you No We Don't Share
Questions?  Call 254-753-1521    


Who we are  
Who is providing this notice? COMMUNITY BANK & TRUST
What we do  
How does COMMUNITY BANK & TRUST protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We restrict access to your personal and account information to those employees who need to know that information to provide products and services to you.

How does COMMUNITY BANK & TRUST collect my personal information?

We collect your personal information, for example, when you

  • Open an account or deposit money
  • Pay your bills or apply for a loan
  • Use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes—information about your credit worthiness
  • affiliates from using your information to market to you
  • sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.


Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include others, such as The Community Company.

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Community Bank & Trust does not share with non-affiliates so they can market to you.
Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • COMMUNITY BANK & TRUST doesn’t jointly market
Other Important Information  

Special Notice for Texas Residents

HOW TO FILE A COMPLAINT. We are chartered/licensed/registered under the laws of the state of Texas and by state law are subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against us should contact the Texas Department of Banking through one of the means indicated below:

In Person or U.S. Mail:
Texas Department of Banking
Consumer Assistance Activities
2601 North Lamar Boulevard, Suite 300
Austin, TX 78705-4294

Telephone No.: (877) 276-5554

Community Bank & Trust also engages in the money transmission and/or currency exchange business as an authorized delegate of Travelex Currency Services Inc. under Chapter 151 of the Texas Finance Code. If you have a complaint, first contact the consumer assistance division of Travelex Currency Services Inc. at 1-877-414-6359 (toll free), if you still have an unresolved complaint regarding the company's money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking.

Revised April 2018

Mobile Community 

The information we may collect when you use CB&T's Mobile Community may include the following personal information (based on your online banking use):

  • Internet Protocol (IP) address
  • Operating system and version
  • Browser information and version
  • Device configuration - used for fraud detection purposes

The Mobile Community may ask for permission to control various device functions such as: 

  • Camera - allows access to your device's camera for the purpose of Mobile Deposits
  • Location - allows access to your location for the purpose of the Branch and ATM locator
  • Access to External Storage - allows access to files/media on your device for the purpose of secure message attachments

Please note we do not collect or monitor any data from your personal device such as messages or photos, and we do not access any personally identifiable information stored on your device.