Privacy Statement




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 Payment History
  • Income and Credit History
  • Account Balances and Credit Scores

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


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 United Citizens Bank chooses to share; and whether you can limit
this sharing.

Reasons we can share your personal information

Does United Citizens Bank 

Can you 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



For our marketing purposes
to offer our products and services to you


We don't share

For joint marketing with other financial companies


We don't share

For our affiliates' everyday business purposes
information about your transactions and experiences


We don't share

For our affiliates' everyday business purposes
information about your creditworthiness


We don't share

For non-affiliates to market to you


We don't share


Call (270) 384-2265 or go to

Who we are

 Who is providing this notice?

 United Citizens Bank means United Citizens Bank of Southern Kentucky, Inc.

What we do

How does United Citizens Bank
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 also maintain other physical, electronic and procedural safeguards to
protect this information and we limit access to information to those
employees for whom access is appropriate.

How does United Citizens Bank
collect my personal information?

We collect your personal information, for example, when you

  • Open an Account
  • Pay Your Bills
  • Apply for a Loan
  • Use Your Credit or Debit Card
  • Apply for Financing

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 Creditworthiness
  • 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



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

  • United Citizens Bank has no affiliates.


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

  • United Citizens Bank 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.

  • United Citizens Bank doesn't jointly market.
 Cell Phone

Apple Pay

Make secure purchases in stores, in apps, and now on the web. Apple Pay is simple to use and works with the devices you use every day. Easily pay with your United Citizens Bank debit card with just a touch. And because your card details are never shared by Apple when you use Apple Pay, making payments with your iPhone, Apple Watch, iPad, and Mac is the safer, more private way to pay.

 Mobile Banking

SecurLOCK Equip

Cardholders are concerned about security and want the ability to administer their cards. With SecurLOCK Equip you have the convenience and control via your mobile device to effectively monitor your card account.