Privacy Policy

Please click the link below to view the Planters & Citizens Bank Privacy Policy.

Planters & Citizens Bank Privacy Policy

Community Reinvestment Act (CRA) Public File

Privacy Policy

Last updated March 15, 2024

About Us
Planters and Citizens Bank (“P & C Bank”) is in Camilla, GA, with one Loan Production office in Forsyth, GA. P & C Bank is engaged in providing financial products and services to our customers. For more information on P & C Bank, please see

Your privacy is important to us. This Online Privacy Statement (the “Statement”) describes P & C Bank’s online privacy practices. This Statement applies to all P & C Bank’s online services. The Term “P & C Bank” or “we” or “us” or “our” in this Statement refers to Planters and Citizens Bank (“P & C Bank”). This Statement explains how we collect, share, use and protect information when you visit or use the online services provided by P & C Bank. It applies to anyone accessing or using a P & C Bank’s website or online service, whether the user is a Customer of P & C Bank or not. This Statement also explains how information may be collected and used for advertising and marketing purposes.

Planters and Citizens Bank (P & C Bank) is committed to helping protect your privacy and to developing technology that can provide you with a powerful and safe online experience. By using our online services, you consent to the data practices described in this Statement.

Planters and Citizens Bank (P & C Bank) will update this Online Privacy Statement occasionally to reflect company and customer feedback or changes in our online offerings and services. We encourage you to review this Statement periodically to remain informed of our online practices.

Collection of your Personal Information

Information We Collect

Planters and Citizens Bank (P & C Bank) collects personally identifiable information (“Personal Information”), such as information you provide via forms, surveys, applications, or other online fields (including your e-mail address, account numbers, User Name/IDs, name, social security number and home or work addresses or telephone or mobile numbers). P & C Bank may also collect anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests, and favorites. We collect and use such information only where we reasonably believe the information will be necessary or useful in providing you with the products and services you request from us, as well as to help us identify new opportunities to provide products, services, and information to help you achieve financial success. Device images or videos may be accessed when you deposit a check using your app to include, but not limited to, real-time and online payments. Device contacts may be accessed when you make person to person, real time, or online bill payments. Device location may be accessed to detect and prevent fraudulent transactions and to provide you branch and ATM locations. The information we collect and use about you helps us to maintain the security of your accounts with us, improve the customer service we provide to you, and operate more efficiently.

There also is information about your computer hardware and software that is automatically collected by Planters and Citizens Bank. This information can include: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used byPlanters and Citizens Bank for the operation of its online services, to maintain quality of the services, and to provide general statistics regarding use of the Planters and Citizens Web site.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Planters and Citizens Bank public message boards such as but not limited to Planters and Citizens Facebook page, this information may be displayed, collected, and used by others.

Planters and Citizens Bank encourages you to review the privacy statements of Web sites you choose to link to from our sites or advertising so that you can understand how those Web sites collect, use and share your information. Planters and Citizens Bank is not responsible for the privacy statements, privacy policies or other content on web sites outside of the Planters and Citizens Bank.

Use of your Personal Information

Planters and Citizens Bank may use any Personal Information:

• To respond to your inquiries and fulfill your requests;

• To inform you about important information regarding our online services, products, or other service for which you apply or may be interested in applying for, or in which you are enrolled;

• To inform you of changes to terms, conditions, and policies and/or other administrative information regarding your interactions with us, your accounts, or services that you use or in which you have expressed an interest;

• To deliver marketing communications that we believe may be of interest to you, including advertising or offers tailored to you;

• To personalize your experience with our online services;

• To allow you to apply for products or services (e.g., to pre-qualify for a mortgage, apply for a debit card, or to open an account or other financial product) and evaluate your eligibility for such products and services;

• To verify your identity and/or location (or the identity or location of your representative or agent) in order to allow access to your accounts, conduct online transactions and to maintain measures aimed at preventing fraud and helping to protect the security of your account and Personal Information);

• Collected through our social media pages and other online interactions with you to assist in verifying your identity or account status. We may combine this online information with information collected from offline sources or other information we already have or may acquire;

• For business purposes, including data analysis audits, developing, and improving products and services, enhancing our online services, identifying usage trends, and determining the effectiveness of promotional campaigns;

• For risk control, for fraud detection and prevention; to comply with laws and regulations; and to comply with other legal process, regulatory and/or law enforcement requirements; and

• To allow you to utilize features within our online service by granting us access to information from your device such as contact lists or geo-location when you request certain services.

Planters and Citizens Bank does not sell, rent, or lease its customer lists to third parties. We may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, we may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Planters and Citizens Bank, and they are required to maintain the confidentiality of your information.

Planters and Citizens Bank does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.
Planters and Citizens Bank keeps track of the Web sites and pages our customers and others visit within our site, in order to determine what our services are the most popular. This data is used to deliver customized content and advertising within Planters and Citizens Bank to customers and potential members whose behavior indicates that they are interested in a particular subject area, product, or service.

Planters and Citizens Bank may share your personal information with service providers with whom we work, such as data processors and companies that help us market products and services to you. When permitted or required by law, we may share your personal information with additional third parties for purposes including response to legal process.

Use of Cookies and Other Tracking Technologies

We respect the privacy of our customers and other users of our websites. When you use our online services or mobile applications, we do not allow unaffiliated third parties to collect personally identifiable information about you when you use our website or mobile applications.

We do use online tracking technologies, such as cookies or click stream auditing, for our own internal uses, such as to monitor and maintain information about your visits to our sites, to help us identify and address problems, to improve our sites, to analyze web traffic trends, and to protect the security and integrity of our online services. Our affiliates also may use online tracking technologies to recommend products and services.

We and our third-party service providers may collect and use cookies and other tracking technologies in a variety of ways, including:

• Through your browser or device: Certain information is collected by most browsers and/or through your device, such as your Media Access Control (MAC) address, device type, screen resolution, operating system version and internet browser type and version. We use this information to ensure our online services function properly, for fraud detection and prevention, and security purposes.

• Using cookies: We use cookies to help you personalize your online experience. Cookies are small text files stored directly on the web browser you are using, to remind the website about the user the next time you visit the website. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you. The cookies we use do not contain or capture unencrypted Personal Information and cannot be used to run programs or deliver viruses to your device.

o One of the primary purposes for using cookies is to provide a convenience feature to users of a website. A cookie tells the web server that you have returned to a specific page. For example, if you personalize Planters and Citizens Bank’s pages or register with our sites or services, a cookie helps us to recall your specific information on subsequent visits.

o Cookies are used in the online banking login process to identify a user’s computer to help enhance security. If a cookie is not on the computer or the user changes computers, the user will be asked to re-authenticate.

o Cookies cannot be read by a website other than the one that set the cookie. Some websites, however, use cookies to obtain information from your browser. You can set your browner to notify you before accepting a cookie, so that you can control whether you accept or reject a cookie. If you do not accept cookies, your experience at our websites may be impacted.

o Cookies cannot be used to capture your e-mail address, obtain data from your hard drive, or gain confidential or sensitive information about you. You may be shown P & C Bank text and/or image ads on any Google or other third-party internet sites for a limited period of time. You may opt out of re-marketing by visiting Google’s Ads Settings ( You also may opt out of receiving targeted ads from many websites by option out of network advertising programs. Opting out from a specific advertising network means only that the ads you do receive online will be generic and not based on your preferences or behavior.

You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you usually can modify your browser settings to decline cookies if you prefer. You will need to manage your cookie settings for each device and browser you use. If you choose to decline cookies, you may not be able to fully experience the interactive features of Planters and Citizens Bank’s service or websites you visit. For example, we will not be able to recognize your device and you will need to verify your device by dual authentication each time you log on. You also may not receive tailored advertising or other offers from us that may be relevant to your interests and needs.

Additionally, when “Do Not Track” or another mechanism is enabled on a web browser, we do not respond to or take any action with respect to such configuration. That is, we do not disable tracking.

• Other technologies including pixel tags, web beacons, and clear GIFs: These technologies may be used in connection with some website pages, downloadable mobile applications and HTML-formatted email messages to measure the effectiveness of our communications and our marketing campaigns, to compile statistics about usage and response rates, to personalize/tailor your experience while engaging with us online and offline, and to assist us in resolving issues that may arise on our websites.

• Flash objects: As part of our solutions for online authentication, we use Flash objects (sometimes referred to as “Local Shared Objects”) to help us recognize you and your device when you come back to our online services. For our pages running Adobe® Flash® content (demos and tutorials with moving content), we use Flash objects to determine your browser type and version of Adobe Flash in order for you to view the content. We do not use Flash objects for any online behavioral advertising purposes. Deleting cookies does not delete Flash objects. You can learn more about Flash objects - including how to control and disable them - through the Adobe interface. If you choose to disable Flash objects from our Site, then you may not be able to access and use all or part of our websites or benefit from the information and services offered.

• Click Stream Auditing: This process collects and analyzes information such as a web user’s IP address, web pages which referred a user to our website, date and time, domain type, and when a web user has responded to an advertisement.

• IP Address: Your IP Address is a number that is automatically assigned to the device that you are using by your Internet Service Provider (ISP). An IP Address is identified and logged automatically in our server log files whenever a user visits our websites, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice on the internet and is done automatically by many web sites. We use IP Addresses for purposes such as calculating website usage levels, helping diagnose server problems, to personalize/tailor your experience while engaging with us online and offline, for compliance and security purposes, for advertising, and administering the Site. Please see the Advertising section below for more information.

Aggregated and De-identified Data: Aggregated and De-identified Data is data that we may create or compile from various sources, including but not limited to accounts and transactions. This information, which does not identify individual account holders, may be used for our business purposes, which may include offering products or services, research, marketing or analyzing market trends, and other purposes consistent with applicable laws.

Additional Information

Third party widgets – We may allow certain widgets (e.g., social share buttons) on our websites that enable users to easily share information on another platform, such as a social media platform. The third parties that provide these widgets may have access to information about your browsing on pages of our websites where these widgets are placed. You may wish to review information at the third-party site, such as social media platforms where you have an account, to determine how these third parties collect and treat such information. Also, see Linking to Other Sites and Social Media Sites below.

Planters and Citizens Bank’s Card Controls periodically collects, transmits, and uses geolocation information for enabling features that prevent fraudulent card use and alerts, but only if the End User expressly authorizes 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 the End User’s selection. The End User can change his/her/their location permissions at any time in their device settings.


Planters and Citizens Bank’s advertises online (through our websites and mobile applications, through our social media presences, and on other sites and mobile apps not affiliated with (P & C Bank) and offline (in our bank’s physical sites, through call centers, and through direct marketing).

We use third party advertising and media companies to serve ads on our behalf across the internet and to help manage and optimize our internet business and digital communications. These networks use both cookies and pixel tag technology, which do not contain your personally identifiable information, to assist us in measuring the effectiveness of our ads. These technologies work by using your visits to other websites to provide information to us about goods and services that may be of particular interest to you.

We limit these networks from using the information collected by these cookies and pixel tags for any purpose other than to assist us in our advertising efforts. From time to time, we also may share anonymous information with such third-party companies in an aggregate form, for purposes of analysis and improvement of our website.

Planters and Citizens Bank uses the information described in this Statement to help advertise our products and services. We use this information to:

• Present tailored ads to you, such as:

o Banner ads and splash ads that appear as you sign on or off of your online accounts on our website, and within mobile banking and other mobile apps;

o Email, postal mail, and telemarketing; and

o On other sites and mobile apps not affiliated with P & C Bank

• Analyze the effectiveness of our ads; and

• Determine whether you may be interested in our products and services.

Children’s Online Privacy Protection Act (COPPA)

The Children’s Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and other services directed to, and which may collect information from, children under the age of 13. Planters and Citizens Bank respects the online privacy of children. Our websites and online services are not directed at children under the age of 13, nor do we knowingly collect, maintain, or use personally identifiable information from them.

Linking to Other Websites

We may provide links to third party sites, such as credit bureaus, service providers or merchants. If you follow links to sites not affiliated or controlled by Planters and Citizens Bank, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our websites. Planters and Citizens Bank does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness, or reliability of their information.

Social Media Sites

Planters and Citizens Bank provides experiences on social media platforms including, but not limited to, Facebook®, that enable online sharing and collaboration among users who have registered to use them. Any content you post on official Planters and Citizens Bank managed social media pages, such as pictures, information, opinions, or any Personal Information that you make available to other participants on these social platforms, is subject to the terms of use, online privacy practices, and privacy policies (“collectively, the “Policies”) of those respective platforms. Please refer to the social media platform’s Policies to better understand your rights and obligations with regard to such content. In addition, please note that when visiting any official Planters and Citizens Bank social media pages, you are also subject to Planters and Citizens (P & C Bank) Online Privacy Statement, Privacy Notices and Social Media User Terms.

Security of Your Personal Information

Planters and Citizens Bank secures take care to safeguard the information we collect and use about you. We do not share access to the information about you that we collect, unless doing so is necessary to provide you with the products and services that are part of your relationship with P & C Bank.

Planters and Citizens Bank maintains reasonable physical, electronic, and procedural safeguards to protect your nonpublic personal information.

Changes to this Statement

Planters and Citizens Bank will occasionally update this Statement of Privacy to reflect company and customer feedback. We encourage you to periodically review this Statement to be informed of how Planters and Citizens Bank is protecting your information.

Social Security Number Protection Policy

Social Security numbers may only be accessed by and disclosed to Planters and Citizens Bank employees and others with a legitimate business “need to know” in accordance with applicable laws and regulations. Social Security numbers, whether in paper or electronic form, are subject to physical, electronic, and procedural safeguards, and must be stored, transmitted, and disposed of in accordance with the provisions of the bank’s policies. These restrictions apply to all Social Security numbers collected or retained by Planters and Citizens Bank in connection with Customer, employee, or other relationships.

Contact Information

Planters and Citizens Bank welcomes your comments regarding this Online Privacy Statement. If you have any concerns about this Statement, please contact Planters and Citizens Bank at (229) 336-5271 or We will use commercially reasonable efforts to promptly review your concerns and remedy the problem.