Consumer Loan Application

CenBank has a loan that is tailored to fit your needs.

Fixed or variable rates
Auto's - new or used
Snowmobiles
Recreational Vehicles
Boats Home Improvements
Repairs
Vacations
or whatever you choose

To get started read the following disclosures. If you agree to the disclosures and would like to continue with your application, Complete, Print & Sign the application below and bring it with you when you meet with a CenBank Lender.

Federal Credit Application Insurance Disclosure

The bank may not condition an extension of credit to you on either: (1) your purchase of an insurance product or annuity from the bank or any of its affiliates; or (2) your agreement not to obtain, or a prohibition on your obtaining, an insurance product or annuity from an unaffiliated entity. You are free to purchase an insurance product or annuity from another source.

By submitting a consumer loan application, you are acknowledging that you have received this disclosure electronically and agree to it.

Notice Regarding Inaccurate Information

As a participant in the consumer reporting system, we furnish information about our experience with you to consumer reporting agencies. These consumer reports allow us to make credit and other opportunities available to you. If you believe that we have furnished information to a consumer reporting agency that is inaccurate please notify us at the following address and identify the specific information that is inaccurate.

CenBank, PO Box 188, Buffalo Lake, MN 55314 - (320) 833-5325

Notice of Negative Information (Pre-sharing)

Federal law requires us to provide the following notice to customers before any "negative information" may be furnished to a nationwide consumer reporting agency. "Negative information" means information concerning delinquencies, late payments, insolvency, or any form of default. This notice does not mean that we will be reporting such information about you, only that we may report such information about customers that have not done what they are required to do under our agreement.

After providing this notice, additional negative information may be submitted without providing another notice.

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Privacy Notice

CenBank collects nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms;
Information about your transactions with us or others; and
Information we receive from a consumer reporting agency.

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.

CenBank restricts access to your personal and account information to those employees who need to know that information to provide products or services to you. CenBank maintains physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

By submitting a consumer loan application, you are acknowledging that you have received the following disclosures electronically and agree to them.
Federal Credit Application Insurance Disclosure
Notice Regarding Inaccurate Information
Notice of Negative Information
Privacy Notice

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