Support When It Matters Most. 

Big moments, including unexpected ones, can be stressful. The Trusted Contact Program reflects CNB's commitment to standing beside you as a trusted partner and guide. We believe strong banking relationships start with knowing our customers by name, and this program builds on that understanding by giving us one more way to look out for you and your financial well-being. 
 

Considering adding a Trusted Contact?

Life can be unpredictable. If we cannot reach you or if something unusual happens with your account, having a Trusted Contact gives us an extra way to ensure your safety and protect your finances. This is especially helpful for:
  • Seniors or individuals at higher risk of financial exploitation
  • Customers experiences major life changes
  • Anyone who wants added peace of mind

When We Reach Out

By designating a Trusted Contact on your account(s), you give CNB St. Louis Bank permission to reach out if:
  • We’re unable to contact you, or
  • We notice unusual or potentially concerning activity on your account

This Proactive Step Helps Us

  • Combat fraud
  • Reduce the risk of financial exploitation
  • Maintain accurate contact information
  • Support you during critical situations
Your trusted contact does not have access to your account or the authority to make decisions. They are simply someone who can help us reconnect with you when needed - adding reassurance, protection, and peace of mind. 

Trusted Contact FAQ's

The Trusted Contact Program is a voluntary service that allows you to designate a trusted person the Bank can reach out to in certain situations. This program is designed to help protect you and your accounts, especially during emergencies or if we suspect fraud or financial exploitation.

The Trusted Contact Program is authorized under Missouri statute §362.424, RSMo (effective August 28, 2025). This law allows banks to offer customers the option to designate one or more adult Trusted Contacts. It also provides:

  • Immunity from civil liability for banks and Trusted Contacts acting in good faith.
  • Permission for banks to report suspected fraud or exploitation to law enforcement or protective agencies without liability.
No. A Trusted Contact does not have the authority to manage your account or make decisions on your behalf. They are simply a point of contact for the Bank in specific situations.
No. We will never share your account balances or transaction details. Our communication will be limited to confirming your well-being and helping us reconnect with you.
  • Jane Doe has designated her sister as a Trusted Contact. The bank notices some suspicious activity related to Jane’s checking account and tries to reach her, but she is not responding. The bank contacts Jane’s sister and learns that Jane is out of the country on an extended vacation. The sister can then contact Jane to let her know to contact the bank to discuss the suspicious activity to determine any actions that are needed.
  • Jane Doe has designated her son as a Trusted Contact. Unfortunately, it appears that Jane has been contacted by very convincing scammers pretending to work for the IRS and she has withdrawn money from her account to send to them as they have threatened that she will be arrested if she does not pay. Bank employees have discussed with her that the people contacting her are not from the IRS, but the scammers are insistent that she withdraw more money. The bank contacts Jane’s son, who is able to convince her of the scam so that Jane does not withdraw and lose any more money.
  • Jane Doe has designated her daughter as a Trusted Contact. The bank has sent first-class mail to Jane, and it has been returned as undeliverable with no forwarding address, and the bank is otherwise unable to reach Jane. The bank contacts Jane’s daughter and learns that Jane has moved. The daughter is able to provide an updated mailing address for Jane, and subsequently, the bank resumes contact with Jane.
The bank will not communicate with a Trusted Contact until the need arises to reach out to the Trusted Contact. You likely want to inform people that you have designated as Trusted Contacts of that fact, so they will know why the bank is reaching out to them.
No. The program is completely voluntary and offered as an extra layer of protection for your peace of mind.
Visit any branch or call us at (314) 645-0666 to request a Trusted Contact Enrollment Form. Complete and sign the form to designate up to two Trusted Contacts. You can update or remove your Trusted Contacts the same way, at any time.
The bank does not guarantee that contacting the Trusted Contact will prevent fraud or exploitation—this is an additional tool, not a guarantee. The Bank is also not liable for the actions of the Trusted Contact, nor for implementation or non-implementation of the program, and reserves the right to decline to contact the Trusted Contact, where doing so would violate customer privacy preferences or regulatory obligations. Not every bank program is the same, so our process may vary from another bank’s program.
Explore helpful resources from trusted organizations like the Consumer Financial Protection Bureau to understand why adding a Trusted Contact is a smart choice. If you have questions or need assistance, our team is here to help—just ask us for more details or an enrollment form.
The Trusted Contact Program is a simple, secure way to help protect your financial well-being. It does not give anyone control over your account—it just ensures we have someone to reach out to if needed. Backed by Missouri law, this program offers peace of mind and added protection.