City National Bank
PO Box 1031
228 Elm Street
Colorado City, TX 79512
T: (325) 728-5221
F: (325) 728-8333
Email the Bank
Lobby Hours
M-T: 9 a.m. to 3 p.m.
Fri: 9 a.m. to 5 p.m.
Motor Bank Hours
M-F: 8:30 a.m. to 6 p.m.
Sat: 8:30 a.m. to 12 p.m.

Privacy Policy / Security

FACTS What does City National Bank of Colorado City do with your personal information?
Why? 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.
What? 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
  • Payment history and employment information
  • Credit history and checking account information
When you are no longer our customer, we continue to share your information as described in this notice.
How? 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 City National Bank of Colorado City chooses to share; and whether you can limit this sharing.
Reasons we can share your personal info Do We Share? Can you limit?
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 creditworthiness
No We Don't Share
For nonaffiliates to market to you: No We Don't Share
Questions? Call 325-728-5221 or go to www.cnbccity.com
What we do
How does City National Bank of Colorado City 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, as well as;
  • Information access controls
  • Service provider oversight and confidentiality agreements
  • Periodic security training for personnel
  • Proper disposal of customer information
How does City National Bank of Colorado City collect my personal information? We collect your personal information, for example, when you:
  • Open an account or apply for a loan
  • Make deposits or withdrawals from your accounts or use your credit or debit card
  • Provide employment information
We also collect your personal information from others, such as credit card 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 sharing. See below for more on your rights under state law.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and non financial companies.
  • City National Bank of Colorado City has no affiliates
Non Affiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
  • City National Bank of Colorado City 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.
  • City National Bank of Colorado City does not share with non affiliates so they can market to you.
Security Center

The City National Bank will never request your personal information by phone or through email.

We are committed to protecting both your personal and financial information—whether you are banking in person, by phone or online. We also want to help you protect your personal and financial information by providing you with helpful information, warnings and other security tips.

If you feel you have been the victim of a security breach or identity theft, please contact us immediately at 325-728-5221.

Fraud Prevention - Cashier's Checks

Scammers commonly attempt to take advantage of the confidence people place in cashier’s checks or money orders. Cashier’s checks or money orders are sometimes used as a way to steal money from your account or to defraud you in paying for goods or services. It is very difficult to detect fraudulent items. When you deposit a fraudulent check into your account, the law requires us to make the funds available to you within a specific period of time. Often this is prior to the check having cleared through the banking system. If the check is returned unpaid, the bank can reverse the deposit into your account and collect the funds from you.

Some customers have become victims of such scams. While cashier’s checks are usually viewed as a relatively risk-free instrument and a trusted form of payment, you should understand it sometimes takes days to discover that a cashier’s check is fraudulent. In the meantime, the customer may have wired the funds to a scam artist only to find out later that they are now liable for the full amount of the cashier’s check that has been returned.

The OCC Consumer Advisory on Avoiding Cashier’s Check Fraud gives you more information on some common scams and the steps you may take to protect yourself. The advisory discusses cashier’s checks and has other helpful information for those who do business with other instruments such as money orders or official checks.

Some of the more commons scams we have seen include the following:
  • Excess of Purchase Price - You may sell an item over the internet or phone and the buyer sends you a cashier’s check for more than the price of the item. The buyer asks you to wire the excess funds to another party. The cashier’s check turns out to be fraudulent after you have sent the excess funds.
  • Selling Items - You may sell an item over the internet or phone. The buyer sends you a cashier’s check and you ship the goods to the buyer. The check is fraudulent and your goods are lost to the scammer.
  • Unexpected Windfall - You receive a letter that you have the right to receive a significant sum of money. These are often presented as a lottery winning or the beneficiary of an estate. The letter will state that you must pay a processing fee or transfer tax before you can receive the funds. Often included in the letter is a cashier’s check to cover the required fee. The letter will ask that you deposit the cashier’s check to your account and wire the funds. The check is fraudulent.
  • Mystery Shopping - You receive a letter that you have been chosen as a mystery shopper. The letter may include a cashier’s check and you are told to deposit the check into your account and use the funds to buy goods at designated stores or transfer a portion of the money to a third party and keep the rest. The check is fraudulent.

These scams will often present checks from an actual bank, person or well-known company. Modern scanners and printers have the technology to print very realistic instruments. You may trust cashier’s checks issued by an actual bank as it represents funds of the bank and not the depositor. If the item is genuine, there is very little risk that the instrument will be returned. However, if the check is not genuine and you unknowingly accept it, you will be the one who suffers the financial loss.

Here are a few tips to avoid Cashier’s Check Fraud:
  • Try to know the people and businesses with whom you do business. Be cautious about accepting a check from people you do not know since it will be especially difficult to pursue a remedy if something goes wrong.
  • If you use the internet to sell items, consider other options such as escrow services or online payment systems rather than payment by cashier’s checks.
  • Never accept a cashier’s check for more than the selling price. Ask yourself, "Why would a stranger be willing to pay more than the asking price and trust me with the funds?"
  • Ask for a cashier’s check drawn on a bank in your area.
  • Call or visit the bank on whom the check is written. That bank is in a good position to tell you if it is genuine.
  • Be suspicious of anyone who insists that you wire transfer funds or pressures you to act quickly before you know if the payment is honored.
  • Reject any offer that asks you to pay for a prize or gift.
  • If it sounds too good to be true, it probably is.

Anytime a scam involves a cashier’s check, official check or money order from a bank and you have any doubt about its authenticity, contact the issuing bank directly to report it. When contacting the bank, do not use the telephone number provided on the check. To locate the contact information for the bank, you can always check the FDIC Web site at: https://research.fdic.gov/bankfind/.

If you cannot resolve the issue with the bank, for all national banks you may contact the Office of the Comptroller of the Currency’s Customer Assistance Group by calling 800-613-6743 or sending an email to: customer.assistance@occ.treas.gov

Password Security

It seems most every site you visit today requires a username and password. Keeping up with each username and password can become a challenge. To further complicate matters, it seems when you memorize one you are soon forced to change it. While annoying, the truth is the password is the first and sometimes the only line of defense to protect important information. Passwords keep unauthorized users from accessing financial information, health data and other personal information.

Here are some of the Do's and Don'ts for passwords:

DO:

  • Use different kinds of characters. Use uppercase, lowercase, numbers and symbols when allowed.
  • Use long passwords (8 or more characters)
  • Change passwords regularly. Change at least quarterly or whenever you think they may have been compromised.

DON'T

  • Don’t give your password to anyone for any reason.
  • Don’t write your passwords near your computer, laptop bag, user manuals, etc.
  • Don’t send your passwords in an email.
  • Avoid personal information in your passwords such as your name, pets, social security number, phone number, etc.
  • Don’t use the same password for multiple sign-ins.
  • Don’t use easy to discover passwords such as "qwerty" or "123456" or "Password01"
Protecting Your Privacy

Identity theft is one of the fastest growing crimes. It often occurs when an identity thief gains access to your personal identifying information without your knowledge. The purpose is usually to commit fraud or theft.

You can protect your privacy and minimize your risk of becoming a victim by taking the following steps:

Personal Identifying Information

  • Always protect your personal identifying information including your date of birth, Social Security number, credit and debit card numbers, personal identification numbers and passwords.
  • Never give any of your personal identifying information to any person who is not permitted to have access to your accounts.
  • Never give your information over the phone, through the mail or online unless you have initiated the contact and know and trust the person or company to whom it is given.

Credit, Debit and ATM Cards

  • Limit the number of credit, debit and ATM cards you carry.
  • Cancel all the cards that you do not use.
  • Retain receipts from card transactions.
  • Report lost or stolen cards immediately.

Mail

  • Promptly remove mail from your mailbox.
  • Deposit outgoing mail in a post office collection box, hand it to the postal carrier or take it to the post office instead of leaving it in the mailbox where it can be stolen.

Credit Reports

  • Order a copy of your credit report annually and review it for accuracy. You can obtain a free copy of your credit report annually at: http://www.annualcreditreport.com
  • Check your credit report for unauthorized accounts, credit cards or purchases.
  • Look for anything suspicious in your credit report on recent inquiries.
  • If you feel your personal information has been stolen, you may contact the three major credit bureaus to place a fraud alert in your file. They may be reached at:
    • Equifax 1-877-576-5734
    • Experian 1-888-397-3742
    • Transunion 1-800-680-7289

Bank Accounts and Credit Card Statements

  • Contact your financial institution immediately if you do not receive a statement on time.
  • Review your bank account and credit card statements promptly and immediately report any discrepancy or unauthorized transactions.

Telephone and Internet Solicitations

  • Be highly suspicious of any offer made by phone, website or email that seems too good to be true.
  • Before responding to any telephone or internet offer, determine if the person or business is legitimate.
  • Do not respond to unsolicited email that promises you some benefit but requests personal identifying information from you.
  • City National Bank never requests a customer’s bank account number, card numbers, Social Security numbers, Personal Identification Numbers (PIN) or password through email. If you should receive an email requesting such information that appears to be from City National Bank, do not respond to the email and contact the bank immediately at 325-728-5221.

Home Security

  • Store extra checks, credit cards or documents with personal information in a safe place.
  • Shred all credit card receipts and solicitations, ATM receipts, account statements, check images or other financial documents before you throw them away.
Debit Card Data Breaches

What is a Debit Card Data Breach?

A debit card data breach occurs when there is an illegal data intrusion into the computer network of a payment system for debit or credit cards. When this occurs, City National Bank should receive notification from the payment processing network (Visa or MasterCard) that the breach may have resulted in the theft of some of our customers’ card information. These intrusions may occur with merchants throughout the country who use payment processors.

How Does a Data Breach Impact Me?

When a data breach occurs, some City National Bank customers may be affected. We take security breaches very seriously and act diligently to protect you. We work with the payment processing network and other agencies to investigate the breach and closely monitor any affected cards for suspicious activity. We attempt to contact you by phone to explain our potential concerns and normally cancel the card and reissue a replacement card. This replacement can typically occur on the same day as the card is cancelled. We always encourage you to replace the card immediately.

How Does City National Bank Protect Me if a Breach Occurs?

We have very sophisticated fraud detection software that monitors every card transaction. If suspicious activity is detected on your card, we will contact you right away. We will make arrangements to replace your card immediately to prevent fraud. You have numerous other protections from liability should you have fraud on your account as provided by law and the Bank’s policies.

Am I Responsible for Fraudulent Activity on My Card?

In the case of a breach, you will not be responsible for unauthorized transactions on your debit card accounts. If you ever have concerns about your card or any charges that appear, you are required to contact us immediately at 325-728-5221.

Debit Card Security

Nothing will completely prevent you from being a victim of debit or credit card fraud. The number of consumers falling victim to fraud increases daily.

However, you can reduce your risk of fraud by following some simple steps:

  • Do not make it a habit to carry all of your credit and debit cards in your wallet. Only carry the card you use on a regular basis.
  • If you use debit cards, take advantage of online banking to check your account activity regularly.
  • Report any sign of fraud to City National Bank immediately. The sooner you notice and report fraud, the less of a negative impact it may have on you.
  • When using debit or credit cards in stores or restaurants, be aware of how the card is being handled. Pay close attention to how the cards are swiped. Do not leave your card with anyone to hold until later. Dishonest employees can use a device called a “skimmer” to swipe the card and copy your account information.

Be very careful when using your debit or credit card online. Always shop at well-established sites and make sure the site is secure. Look for the padlock symbol on the screen when checking out (See our page on Email Scams – Phishing for more information).

  • Do not write your entire credit card number on your checks when paying a bill. Write only the last few numbers on the memo line for reference.
  • If you are expecting the arrival of a new card in the mail, keep an eye on your mailbox. If it doesn’t arrive as expected, contact the card company.
  • Businesses who use debit or credit cards for daily expenses should carefully review all transactions on their card. Businesses are not provided, in most cases, the broad protection provided the consumer.
ATM Safety and Best Practices

We are concerned about your safety as well as your financial security. Here are a few tips you should always observe when using an ATM.

  • Always observe your surroundings before conducting an ATM transaction.
  • Treat your ATM card like cash.
  • Keep your PIN a secret. Your ATM card will only work with your Personal Identification Number. Never write it on the card or store it with your card. Never tell your PIN to anyone. Not even the financial institution should know your PIN.
  • Take your ATM receipt with you. Do not leave it at the ATM
  • Report a lost or stolen card at once.
  • Check your receipts against your monthly statement to protect yourself from ATM fraud. Verify the transactions each month.
  • Use our Mobile Banking feature to monitor your account and turn off your ATM card if not in use or misplaced.
  • If the ATM is poorly lit, go to another ATM.
  • Never let anyone distract you at the ATM.
Email Scams - Phising

At City National Bank, your privacy is important to us and we want you to be aware of an email scam on the internet called “phishing”. It is a technique criminals use to lure online consumers to fake websites through links in an email.

The message in the email often warns consumers that your account will be closed if your information is not updated or verified. The links within the email are often pointed to websites that ask for bank account information such as routing numbers, account numbers, PINs, passwords and Social Security numbers.

Here are a few ways to protect yourself from internet and email fraud:

  • Never clink on links in unexpected emails that request confidential information. If updates to information are needed, always type the address for the institution’s website into your browser.
  • Before submitting confidential information through forms, make sure that you are using a secure internet connection. There are two ways to generally determine if a website is secure. First, look at the address bar at the top of your browser. If the address begins with https:// then the connection is secure. If it begins with http:// then the connection is not secure. Second, look for a “padlock” icon in your browser’s status bar at the bottom right hand corner of your browser. The padlock verifies that your connection to the website is secure.
  • Make sure that you have installed and updated the latest anti-virus and anti-spyware software. Both viruses and spyware can leave you vulnerable to attack and intrusion. These measures will help keep your computer safe from malicious software that might have installed itself on your computer. These features are especially important if you are using a broadband internet connection like DSL, cable or satellite.
  • Install a hardware or software firewall. A firewall can help prevent attacks on your computer by determining if a requested connection is malicious. A firewall is especially important if you are using a broadband connection like DSL, cable or satellite.
  • Keep your browser, anti-virus and anti-spyware and firewall up to date. Visit the manufacturer’s website and check regularly for software and security updates.
  • Watch for misspelling or grammatical errors on forms requesting confidential information. Hackers often make errors. If it doesn’t look right, it probably isn’t.

  • To access this website your Internet Explorer needs to be updated.

    To get the best possible experience and added internet security using our website, we require you to upgrade your current web browser or install another web browser. A list of the most popular web browsers can be found below.

    Just click on the icons to get to the download page.