Online and Mobile Privacy Policy

Online and Mobile Privacy Policy

Effective: March 1, 2022

Your privacy is important to us. This Online Privacy Policy explains how we may collect, share, use, and protect information when you visit or use this online service and any other online services offered by Citizens First Bank that link to or reference this policy. This policy covers Citizens First Bank's online services, including websites, mobile banking, and Citizens First Bank-branded social media sites or pages, as well as any interactions you may have while viewing content provided through one of Citizens First Bank's digital advertising campaigns.

As you review this Online Privacy Policy, here are a few general principles to keep in mind:

  • If you have a financial product or service with us, we will use and share any information that we collect from or about you in accordance with our Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal information.
  • If you have questions after reviewing this policy, please do not hesitate to contact our Online Banking Support Team at 1-352-753-9515

Information We Collect

Personal Information

When you visit or use our online services, we may collect personally identifiable information from or about you such as your name, email address, mailing address, telephone number(s), account numbers, limited location information (for example, a zip code to help you find a nearby ATM), username and password. We may also collect payment card information, social security numbers, driver's license numbers (or comparable) when you provide such information while using our online services and where we believe it is reasonably required for ordinary business purposes.

Usage and Other Information

In addition to the personal information described above, we may collect certain information about your use of our online services. For example, we may capture the IP address of the device you use to connect to the online service, the type of operating system and browser you use, and information about the site you came from, the parts of our online service you access, and the site you visit next. We or our third-party partners may also use cookies, web beacons or other technologies to collect and store other information about your visit to, or use of, our online services. In addition, we may later associate the usage and other information we collect online with personal information about you.

Citizens First Bank Mobile Applications

For your convenience, Citizens First Bank offers you the ability to access some of our products and services through mobile applications and mobile-optimized websites ("Citizens First Bank Mobile Banking"). When you interact with us through our Citizens First Bank Mobile application or our CFB Business The Villages, FL application we may collect information such as unique device identifiers for your mobile device, your screen resolution and other device settings, information about your location, and analytical information about how you use your mobile device.

Why do we collect this information?

The mobile application requests access to information stored on your device such as location, camera, contacts, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account.

It is important for you to understand that:

  • Before granting access to this information, you will be prompted to give the application that permission.
  • If you do not wish to grant that permission, you may decline.

If you later change your mind, those permissions can be updated in your device's settings.

What do we collect?

Some examples of information your app will request access to are:

  • Location
  • Contacts
  • Camera

How do we protect your 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.

The application information is retained in accordance with state and federal record retention laws. Please contact us to determine specific timeframes for your personal stored information and if that information may be deleted.


Please contact Citizens First Bank regarding questions about the information included in this Online Privacy Policy Disclosure or questions about this application by contacting our Customer Care Center at 1-352-753-9515

Controls & Alerts (Card Control App)

The Controls and Alerts App periodically collects, transmits, and uses geolocation information to enable features that prevent fraudulent card use and send alerts, but only if you expressly authorize collection of such information.  Geolocation information can be monitored on a continuous basis in the background only while the Solution is being used or not at all, depending on your selection.  Location permissions can be changed at any time in your device settings.

Additional Sources of Information

We may also collect information about you from additional online and offline sources from co-branded partner sites or commercially available third-party sources, such as credit reporting agencies. We may combine this information with the personal and other information we have collected about you under this Online Privacy Policy.

Use of Information

We use the information discussed above in a number of ways, such as:

  • Processing applications and transactions;
  • Verifying your identity and location (such as when you access your account information);
  • Preventing fraud and enhancing the security of your account or our online services;
  • Responding to your requests and communicating with you;
  • Managing your preferences;
  • Performing analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view;
  • Providing you tailored content and marketing messages;
  • Operating, evaluating and improving our business (including developing new products and services; improving existing products and services; performing data analytics; and performing accounting, auditing and other internal functions);
  • Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies;
  • Allowing you to participate in surveys, contests and similar promotions; and;
  • For any other purposes that we may specifically disclose at the time you provide or we collect your information.

We may also use data that we collect on an aggregate or anonymous basis (such that it does not identify any individual customers) for various business purposes, where permissible under applicable laws and regulations.

Disclosure of Information

We may share the information we collect from and about you with our affiliates and other third parties. For example, we may share your information with:

  • Citizens First Bank third-party service providers
  • Citizens First Bank affiliated websites and businesses in an effort to bring you improved service across our family of products and services, when permissible under relevant laws and regulations;
  • Other companies to bring you co-branded services, products or programs; and
  • Other third parties to comply with legal requirements such as the demands of applicable subpoenas and court orders; to verify or enforce our terms of use, our other rights, or other applicable policies; to address fraud, security or technical issues; to respond to an emergency; or otherwise to protect the rights, property or security of our customers or third parties.

We will limit sharing of your information in accordance with our Privacy Notice.

We may share anonymous or aggregated information with third parties to help deliver products, services, and content that are better tailored to the users of our online services and for other purposes.

Understanding Cookies, Web Beacons and Other Tracking Technologies

We, or our service providers, and other companies we work with may deploy and use cookies, web beacons, local shared objects and other tracking technologies for various purposes, such as fraud prevention and monitoring our advertising and marketing campaign performance. Some of these tracking tools may detect characteristics or settings of the specific device you use to access our online services.

  • "Cookies" are small amounts of data a website can send to a visitor's web browser. They are often stored on the device you are using to help track your areas of interest. Cookies may also enable us or our service providers and other companies we work with to relate your use of our online services over time to customize your experience. Most web browsers allow you to adjust your browser settings to decline or delete cookies but doing so may degrade your experience with our online services.
  • Clear GIFs, pixel tags or web beacons—which are typically one-pixel, transparent images located on a webpage or in an email or other message—or similar technologies may be used on our sites and in some of our digital communications (such as email or other marketing messages). They may also be used when you are served advertisements, or you otherwise interact with advertisements outside of our online services. These are principally used to help recognize users, assess traffic patterns and measure site or campaign engagement.

Cookies and Advertising

When you visit any website, it may store or retrieve information on your browser, mostly in the form of cookies, to collect information regarding your online activities. This information might be about you, your preferences or your device and is mostly used to make the site work as you expect it to. The information does not usually directly identify you, but it can give you a more personalized web experience. We also use cookies for other purposes, such as maintaining continuity during an online session, anti-fraud and information security purposes.

We may use similar technologies, such as web beacons, log files and tags, alone or in conjunction with cookies, to collect statistics on your browsing patterns and/or to assess the overall activity at our website, including how often a particular web page is visited. We may also use web beacons in an email communication sent to you to determine whether you clicked on a link in the email that directs you to our website. In order to deploy this technology and gather the aforementioned information, we work with third parties to track usage across webpages and email messages. These third parties provide us with the information regarding the online activities. These technologies allow us to improve your experience when visiting or using our websites, including providing content that may be of specific interest to you or send you promotional material, such as emails tailored to your interests. This practice is known as online behavioral advertising.

You can control the use of cookies. Below you will find the different category headings to find out more and change our default settings. Please be advised that if you choose to disable cookies, it may limit your use of certain features or functions on our websites.

Strictly Necessary Cookies

These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only activated by actions made by you, particularly when you request a service, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but this would impair the website’s functionality.

Analytics Cookies

These cookies allow us to count visits and traffic sources, so we can measure and improve the performance of our site. They help us understand how visitors interact with our websites, by collecting and reporting information anonymously.

Functional Cookies

These cookies enable us to provide enhanced functionality and personalization in the website. They allow Citizens First Bank to tailor the website to your preferences, as it remembers information that changes the way the website behaves or looks, like your preferred language or the region that you are in.

Online Advertising Cookies

These cookies are used to track visitors across websites and may be set through our site by our service providers. The intention is to display ads that are relevant and engaging for the individual user.

Do Not Track Signals

A "Do Not Track Signal" is a header in the HTTP field that requests that a web application disable either its tracking or cross-site user tracking of an individual user. Citizens First Bank will allow access and navigation through its general site regardless of the existence of a user generated Do Not Track Signal. The use of a Do Not Track Signal may affect your ability to access the Citizens First Bank Online Banking section of this site unless additional verification procedures are performed.

Linking to Third-Party Websites

Citizens First Bank may provide links to websites that are owned or operated by other companies ("third-party websites"). When you use a link online to visit a third-party website, you will be subject to that website's privacy and security practices, which may differ from ours. You should familiarize yourself with the privacy policy, terms of use and security practices of the linked third-party website before providing any information on that website.


We use reasonable physical, electronic, and procedural safeguards that comply with federal standards to protect and limit access to personal information. This includes device safeguards and secured files and buildings.

Please note that information you send to us electronically may not be secure when it is transmitted to us. We recommend that you do not use unsecure channels to communicate sensitive or confidential information (such as your Social Security number) to us.

Updating Your Information

Keeping your account information up to date is very important. You may review or update certain account information by logging in and accessing the Citizens First Bank Online Banking section of this website. If you cannot change the incorrect information online, or you prefer to request changes offline please contact our Customer Care Center at 1-352-753-9515.

Changes to this Online Privacy Practices

We may change this Online Privacy Policy from time to time. When we do, we will let you know by appropriate means such as by posting the revised policy on this page with a new "Effective" date. Any changes to this Online Privacy Policy will become effective when posted unless indicated otherwise.