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Consumer Information

 

State of Illinois- Community Reinvestment Notice

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation once the Department completes our first evaluation. We will update this notice when our first evaluation has been issued. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.

Evaluations available under the federal Community Reinvestment Act (CRA) (12 U.S.C. 2901 et seq.) are not affected by the Illinois Community Reinvestment Act.


Information - Data and Security Breaches

On occasion retailers and other businesses that accept credit cards or debit cards as forms of payment may have their data security systems breached. These breaches can compromise the personal information of the card holders.

We would like to remind our customers that it is important to check your credit reports on a periodic basis. According to federal regulations, individuals are permitted to receive a free copy of their credit report every twelve months from one of the three major credit reporting agencies (TransUnion, Experian, or Equifax). Please see below under the "Identify Theft" section for the contact numbers for each of the credit agencies.

Additionally, we would also like to remind you of your obligation to view your account statements for unusual activity and to report any unauthorized activity to Community Savings Bank immediately upon identification. You can notify Community by contacting our Accounting department at (773) 685-5300 or in writing to Community Savings Bank, Attn: Accounting department, 4801 W. Belmont Avenue, Chicago, IL 60641.


Illinois Revised Uniform Unclaimed Property Act

In Illinois, as in most states, by law abandoned property is turned over to the state after it has been untouched for a period of time. Property that is subject to unclaimed property laws includes deposits in bank accounts, contents of safe deposit boxes, uncashed bank checks, and other types of financial property. Effective January 1, 2018 Illinois changed the time periods that determine when inactive accounts will be considered to be abandoned. * A few examples are shown below, along with the periods of inactivity which qualify property to be considered abandoned under the new law.

  • Deposit Accounts: 3 years (this includes time certificates after the initial maturity)
  • Safety Deposit Boxes: 5 years of inactivity
  • Uncashed Bank Checks: 3 years after issuance

What can you do? Here are a few tips.

  1. Keep track of your accounts. Know what you own, and know where your assets are.
  2. Keep your accounts active. Contact your bank or other holder of financial assets concerning inactivity, respond as soon as possible. Don't ignore abandoned property notices.

You have worked hard for your money. Keep it safe, and keep accounts active. If you have any questions about your accounts, contact your financial institution or other holder of your financial assets.

For more information on unclaimed property please visit the Illinois State Treasurer Unclaimed Property website.  Learn more

*Illinois Revised Uniform Unclaimed Property Act


Internet Banking and Online Bill Payment Customers Browser and Operating System Support Changes

Due to enhanced security Microsoft is discontinuing its support of Transport Layer Security (TLS) version 1.0/1.1. Microsoft will only be supporting the TLS version 1.2. In order to continue using Community's Internet banking and Bill pay services you will need to verify that the Operating System (OS) and Browsers used to access Community's Internet banking and Bill pay services support TLS 1.2 and upgrade if necessary.

The following Browsers and Operating systems support the TLS 1.2 version:

  • Microsoft Edge, Microsoft IE Desktop and mobile version 11, Firefox 27 and higher, Google Chrome 38 and higher, Mobile Safari versions 5 and higher, Microsoft Windows Server 2008 R2 and higher, Microsoft Windows 7, 8.0, 8.1 and 10.
  • Microsoft IE Desktop versions 9 and 10 are capable of supporting TLS 1.2 only when run in Windows 7 or newer, but not enabled by default.

Please note that Microsoft Windows Server 2008 and below and Microsoft XP/Vista and below are not compatible versions and will not work with Community's Internet banking or Bill pay services.

How to Enable Transport Security Layer (TLS) 1.2

  • From your internet browser select Tools,
  • Then Internet Options.
  • Click on the Advanced Tab, and scroll down to Security section.
  • Ensure TLS 1.2 is checked, if not check TLS 1.2
  • Select Apply, OK.

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