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At Fort Financial Credit Union we are highly concerned with protecting and respecting the privacy of our member’s personal financial information. You have chosen to do business with us and we recognize our obligation to keep non-public financial information private and secure. In order to preserve that trust, we pledge to protect your privacy by adhering to the practices described below.
Keeping your financial information secure at all times is one of our most important responsibilities. Our employees are authorized to access your records only when necessary to maintain, update or service your account or to meet your requests for information or additional services or products. All employees are trained to respect our member’s privacy, and those who violate our Privacy Pledge will be subject to disciplinary actions.
Fort Financial Credit Union collects only relevant information from you that the law allows, or requires us to have to conduct business. Our pledge includes information on our current and former members, joint owners, co-borrowers and guarantors, from applications, transactions, public records, credit or service bureaus, or market research. We maintain strict security procedures to protect your information. All information collected is solely used to service your account and to help you learn more about financial services you are interested in.
Keeping your information accurate and up-to-date is a high priority. If you ever find that your account information is incomplete, inaccurate or not current, please contact or write to us at the number listed on your account statement. We will promptly take the necessary steps to update your records.
During the course of conducting business we may share information with other departments or branches of Fort Financial Credit Union. Our affiliates include companies we hold direct ownership in to provide additional services to our membership, such as investment brokerage, mortgages, and insurance. Information is shared in order to speed up the rate and quality of service to our membership.
Information shared within FFCU and affiliates include information about your identity, information from applications, transactions, and account or credit history.
To assist us in offering you services, we may occasionally share similar information with companies that work for us, such as check printing companies and data processors. In addition, to obtain products or services that we do not directly offer or cannot offer by law, we may share information in order for these companies to act on our behalf. Examples of companies that work for us are the company that prints and mails your account statements, or the company that transmits credit card transactions from a retailer to us. Information is shared only to the extent permitted or required by law and necessary to process transactions on your behalf or conduct operations of the credit union. We require strict confidentiality and contractual agreements regarding the privacy of your information with all parties when information is required to be shared.
We do not share information with outside companies for the purpose of marketing non-financial products or services of those companies, unless you have been given the opportunity in advance to decline this option.
Members have the right to opt-out of the credit union’s sharing agreements with certain affiliates and non-affiliates. The purpose we share information with non-affiliates is to inform you about products or services for which you may be eligible to take advantage. We will honor your request to have your information withheld immediately if the opt-out notice is signed at the time of opening the account, or within 30 days of receiving the notice for an existing account.
Exceptions To Opt-Out Rights
This opt-out, by law, will not apply to disclosures that are legally permitted or required, or to disclosures that we make to companies that perform services on our behalf or to companies that have joint marketing agreements with us to market our own products to you. Such exceptions include:
- Transactions, service or products requested or authorized by the member.
- Companies that maintain or service your account with credit cards, ATM/debit cards, mortgage servicing, or electronic financial transactions through the credit union.
- Companies that bill, process or clear necessary items in the normal course of business.
- Companies or contractors that service or maintenance our technical or software systems.
- To persons contracted or permitted by law to assess the compliance and insurance establishments and auditing standards of the credit union.
- To consumer reporting agencies under the Fair Credit Reporting Act.
- To comply with federal, state or local laws or other applicable legal requirements.
We are committed to protecting the privacy of our members. The following are some guidelines that can help you to guard your privacy even further.
- Protect your PINs (Personal Identification Numbers) and passwords. Never keep your PIN with your credit, ATM/debit cards. Memorize your PINs and passwords and do not share them with anyone. Sharing your PIN or passwords with someone is essentially granting them the authorization to access information or perform transactions on your behalf.
- Do not give out private information to anyone requesting it unless you are completely confident of who they are and how they intend on using it. Fort Financial Credit Union will never call you by phone and request information from you such as your account number(s), social security number(s), etc. Immediately report such attempted requests to the Credit Union as well as local law enforcement agencies.
- Keep your information current. It is very important to immediately notify us of any changes, such as address or phone numbers, so that information is not disbursed to unauthorized persons.
Information through our website, www.fortfinancialcu.org, is protected under the same standards as explained above. When you apply online for accounts or services online you provide information that is necessary for us to process your application. Our CU@Home and Online Bill Pay websites are guarded with a secure and encrypted site. Our sites are serviced by companies that work for us to provide a highly secure and technologically advanced and useful site. Links to these companies can be found on our website.
Information submitted through e-mail is advised to be kept to a non-sensitive and non-confidential nature. Generally, e-mails are not encrypted.
We obtain information from our website used to update and monitor it’s usefulness and quality of service. However, we do not automatically collect information that could personally identify you. We do not utilize “cookies,” which is a small text file placed on your hard drive by a server, to collect personal information about you. By configuring your browser you can disable all cookies.
Please be cautious when using consolidation sites. These are websites that offer the ability to collect all of your personal information on one site. Such sites require that you disclose your passwords and PINs for all of your online services. Never provide this information to a site that you do not recognize and fully trust.
All transactions initiated by a consolidation site using the PIN or access codes you provided to them are considered authorized by you, whether or not you were aware of the specific transaction. In addition most of these sites are not regulated by the strict privacy and compliance standards that financial institutions must uphold.
Even though you will receive multiple copies of this notice over time, you are not required to re-submit it again. Once you have chosen the option to limit the information shared, it will stay in effect until you notify us otherwise. If you would like to reverse this option, simply contact your local branch representative or call us at 1-800-837-3262.
- You use the account(s) covered by this disclosure after receipt of this agreement.
- You already have a card and PIN provided by us, and you use them to make such transactions after receipt of this agreement.
- You ask us to provide you with a PIN and you thereafter use it, together with your card, to make such transactions.
- You receive a card from us without asking for it, but then ask us to provide you with a PIN so that you can use the card, and you do thereafter use the card and PIN to make such transactions.
- In any case, your use of the account(s) or making of such transactions after receipt of this disclosure constitutes your acceptance of the terms and conditions set out in this disclosure.
Although your account(s) may be subject to “electronic fund transfers” and in that regard are subject to the terms and conditions of this disclosure, you may continue to use those account(s) TO THE SAME EXTENT AND IN THE SAME MANNER that you have in the past, in so far as “over-the-counter” and other NON-electronic transfers are concerned.
The following sections relate to “electronic fund transfers” affecting your account(s) whether made by use of an automatic teller card or otherwise.
The terms and conditions of the account agreements relating to your account(s) with us remain in effect except to the extent modified by this disclosure.
If you have a card for which we have issued a PIN, you can use it to make some of the following transactions,
- Deposits at selected full service ATMs.
- Cash withdrawals.
- Transfers (non-cash) from your regular share savings account to your checking/share draft account or from your checking/share draft account to your regular share savings account.
- Transfers from any of your share accounts to your loan account.
- Personal PIN change/selection at selected ATM locations. Call the Credit Union for more details.
- Verify balances in specified share or loan accounts you have with us.
- There are no limitations to how often you can make” electronic fund transfers".
You have previously designated which of these “electronic fund transfer” services you want to use. You can discontinue use of any such service whenever you want to. If you begin using a different “electronic fund transfer” service after receipt of this disclosure, we must be notified of the account(s) to be affected. We may make additional types of “electronic fund transfer” services available in the future. We may also discontinue one or more or all of our “electronic fund transfer” services in the future. If we do, we will give at least 21 days advance notice in writing.
Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account, we are not required to give next day notice to you of receipt of an ACH item and we will not do so. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. You can get a transaction receipt at the time you make any type transfer with your account(s) using an ATM machine. If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you can call our touch-tone teller at (260) 432-1561 and select Option 2 to find out whether the deposit has been made. You will receive a statement/summary of your account at least quarterly.
If you think your statement or an ATM transaction receipt is wrong or if you need more information about a transaction listed on the statement or receipt, call us at (260) 432-1561 or write to us at Fort Financial Credit Union; 3102 Spring Street; Fort Wayne, IN 46808; Attn: Card Services Dept. Notify FFCU as soon as you can. We must hear from you no later than sixty (60) days after you receive the FIRST statement on which the problem or error appeared.
- Tell us your name and account number.
- Describe the error or the transaction you are unsure about and explain as clearly as you can why you believe it is an error.
- Tell us the dollar amount of the suspected error.
- No consumer liability if your card is lost or stolen if reported within sixty (60) days.
If you tell us orally, we will require that you send us your complaint or question in writing within ten (10) business days or fourteen (14) calendar days, whichever is greater. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. However, if we need more time, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we make such a re-credit to your account and if we determine there wasn't an error, we have the right to charge the amount of the re-credit but only up to sixty (60) calendar days after you told us and put your complaint in writing (which we received within ten (10) business days or fourteen (14) calendar days, whichever is greater). We will be entitled to refuse to re-credit your account if the ten (10) business days are greater than fourteen (14) calendar days.
If we decided that there was no error, we will send you a written explanation no later than the 3rd business day after we finish our investigation. You may request copies of the documents we used in our investigation and we will furnish them to you. We may, in such cases, require payment of a nominal charge for such copies.
As used herein, “error” includes, but is not limited to; an unauthorized “electronic fund transfer,” an incorrect “electronic fund transfer” to or from your account(s), and an omission of an “electronic fund transfer” affecting your account(s). Your liability to the Credit Union and your responsibility for card withdrawals made from your account resulting from loss, theft, or other unauthorized use of the Card, account number on the Card, the PIN, or any combination of the three shall be subject to applicable law and be limited as follows:
- $0 if you notify the Credit Union within two (2) business days after learning of the loss or theft,
- Up to $50 if you fail to notify the Credit Union within two (2) business days or,
- Up to the entire account balance if you fail to notify the Credit Union within sixty (60) days after a statement showing an unauthorized transfer was mailed to you.
- Up to the entire amount of loss if PIN is with the card(s) in any way or if the PIN is released or disclosed in any way.
If you have made arrangements to make regular payments from your account, you can stop any of these payments.
- Call us at (260)432-1561 or write us at 3102 Spring Street, Fort Wayne, IN 46808 in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call. A fee may be charged.
- If these regular payments vary in amount, the company you are going to pay should notify you ten (10) days before each payment, when it will be made and how much it will be.
Disclosure of Account Information to Third Parties
We will disclose information to third parties about your account or the transfers you make for the following:
- Where it is necessary for completing transfers.
- In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant.
- In order to comply with government agency or court orders.
- If you give us your written permission.
If we do not complete an “electronic fund transfer” to or from your account(s) on time or in the correct amount according to our agreements with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
a) If, through no fault of ours, you do not have enough money in your account to make the transfer.
b) If the transfer will go over the credit limit or on your overdraft line.
c) If circumstances beyond our control (such as fire, flood, or mechanical failures) prevent the transfer, despite reasonable precautions that we have taken, there may be other exceptions stated in our agreement with you.
d) Overdraft transfers made according to your account agreement to cover an overdraft.
- Our single business days for the lobby and drive-up are Tuesday through Friday during normal branch operating hours.
- Saturday, Sunday and Monday are considered one (1) business day.
- Holidays are not included.
We reserve the right to change our business days, hours and the days we are closed. We will notify you in advance if and when we make such changes.
Please Note: ATM transactions, which include deposits and/or withdrawals, may take up to 48 hours to post on your Credit Union account.
If we have issued you a PIN, you agree to keep your PIN secret and you also agree that you will not write the PIN on your card or on any item you keep with your card. If your PIN number is given to anyone or written anywhere, you are liable for all losses. You agree you will not use your card for any transaction that is illegal under applicable Federal, State or Local law.
To protect against possible losses, your card will not allow you to withdraw more than $300.00 cash from all or any ATM machines per business day.
You may only receive $100.00 cash back from a deposit. (This will require two transactions.) We reserve the right to change these limitations on use of the machine.
Deposits or payments made in the ATM machine (whether in cash, check, draft, or money order) are subject to verification and the posting of such deposits and/or payments may be delayed until they can be
collected from the machine, verified, and entered into our account system.
Further delay may occur if the transaction is made on or immediately prior to a Saturday, Sunday or holiday on which we are closed. If you place a check, draft, or money order in the machine as a deposit or payment, it is subject to collection in accordance with your account agreement with us.
Credit given by us to you with respect to an automated clearing house credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid you in the amount of such entry.
We reserve the right to amend this disclosure (agreement) in any manner at any time. We also reserve the right to terminate this disclosure (agreement) by sending a notice of such termination by first-class mail to your last-known address on our records, which notice shall be effective when mailed. For fees, see the latest version of the Rate & Fee Schedule.
We may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing House (ACH) and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state of New York as provided by the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account. |
