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PRIVACY POLICY

Our Privacy Pledge

At Utilities Federal Credit Union, we respect the privacy of our members. We recognize the importance of maintaining the confidentiality of our member’s personal financial information. We will send an annual notice to the membership describing the privacy policy and practices followed by the credit union. It also explains to our members what types of member information we collect and under what circumstances we may share it.

Information We Collect and Disclose about the Members

The credit union collects only relevant information about members that is needed to establish and maintain their accounts and services as the law allows or requires us to collect. We may collect personal and financial information about member information which is “nonpublic.” The member information we collect varies depending on the accounts and services the member requests and uses. We collect information about the member from the following sources:

Application Information

We retain personal information we receive from applications received for membership, deposit account, EFT services, loans, or other credit union services. This information includes: name, address, social security number, birth date, phone number, employment and financial status, and credit history.

Transactions

Any time the member makes a transaction on one of their accounts, including ATM or card transactions, loan advances, transactions through Online Banking, over the phone or at a branch office, we retain the transaction information, including: account number, the date, amount, location of the transaction, and other pertinent information

Credit Reports and Marketing Information

When we evaluate an application for an account or service, we may request a credit report from a consumer reporting agency. We retain the personal and credit history information about the member and we may use it to evaluate future account service requests. From time to time, we also obtain demographic household information about members and potential members from marketing information firms.

Online

We obtain information online when the member visits our website, www.utilitiesfcu.org. This includes retaining information provided to us on any online application, Online Banking transaction or information sent to us by e-mail.

Member Information We Share

In order to provide financial services to our membership, we share certain information with our third party service providers. However, we only share information to the extent necessary to service the member’s account or offer new services to them. If we share member information, it is with the goal of bringing the member quality services, more choices, and greater convenience. Information we may have about former members is generally only shared or disclosed if necessary to enforce or administer an account or as required by law.

Sharing Information with Third Party Service Providers

In order for us to conduct our operations, including servicing the account or processing transactions, we need to share information with our service providers, including: data processing companies, check, ATM and other payment processing companies, payment networks, loan service providers, collection agencies and credit reporting agencies.

Financial service providers, such as insurance companies or institutions that extend credit under a joint program with us, and which typically offer financial services that are different than those we provide to the member. These service providers act on our behalf and have agreed in writing to keep the member information we provide to them confidential. The member may choose to opt out of this type of sharing.

We share the following categories of information to third party service providers depending on the specific services provided:

Personal information (name, address, and account number).
Account information (type of accounts, account balances, and transaction history).
Transaction information (dates, amounts, locations, and type of transaction).

We do not sell member information nor share account numbers with independent third party marketers offering their products and services. While we may assist in offering financial products and services of our contracted financial service providers, we control the member information used to make such offers.

Sharing Information as Legally Required or Permitted

We may share any member information in response to a lawful request issued by a court, government agency, or regulatory authority or as permitted by law in order to administer or enforce the member’s account. We may also share our experience information about you with credit bureaus. Our reporting to credit bureaus is governed by the Fair Credit Reporting Act, which affords you the right to make sure that your credit bureau reports are accurate.

Our Confidentiality and Security Safeguards

We maintain strict policies and security controls to assure that member information in our computer systems and files is protected. Credit Union employees and agents are permitted access to member information that they may need to perform their jobs and to provide service to the member. Credit Union employees and agents have access to such member information as necessary to conduct a transaction or respond to member inquiries. All employees and agents are trained to respect member privacy. No one except our employees and agents have regular access to the credit union computer system and records storage. The credit union has established internal security controls, including physical, electronic, and procedural safeguards to protect the information provided to us and the information we collected about the member. We will continue to review our internal security controls to safeguard member information as we employ new technology in the future.

Online Privacy Protections

At our website, www.utilitiesfcu.org, the member may apply for accounts and services and may communicate with us via e-mail. To protect the information provided to us online, we use multiple levels of security. The application information we accept online and our Online Banking service relies on industry standard “Secure Sockets Layer” (SSL) encryption to secure member’s transaction information and communication. Generally, our e-mails are not secure. When the member visits our website, they can access site information, without revealing their personal identity. However, in order to help us identify the member for future site visits, we use “cookies” to track their visit. A “cookie” is a piece of information that our web server stores on a computer hard drive and retrieves later. The cookie will not request, require or collect personal identity information and the member remains anonymous. Member information is not accessed by or stored within a cookie in any way.

Protecting Children’s Information Privacy

Children’s Online Privacy Policy

Utilities Federal Credit Union has adopted the following privacy policy for our young members (12 and under) and other visitors to the kids’ section of our website.

We may collect information on domain names, dates and times of visits, and number of page views. This information contains no personal information. It is used only to keep track of usage of our site, and it will help us to continue to improve the overall value of our site. Visitor information is never sold, given, or discussed with third parties.

If a child sends us an email with their personal information to answer a quiz, submit a story, send a recipe, etc., we will respond to their email as appropriate. We may keep their email address for the purpose of sending information about the kids’ section of our website or about the Credit Union. We will not sell, give, or share their personal information to/with any third party vendor or any other organization. We will not condition their participation in an activity on the provision of more personal information than is necessary for them to participate in the activity.

Parent of a child whom has sent emails to us regarding items posted to our website, have the right to review the information their child has sent to us. If we collect their child’s personal information for purposes of responding more than once to a specific request from their child, they have the right to refuse to permit further contact with their child and to require that we delete their child’s information.

The Credit Union’s online financial services are not designed for or directed toward children. We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children’s identities and online privacy is important and that responsibility rests with us and with parents.

Privacy Policy Inquiries

The member is advised to contact us about our privacy practices, by calling (402) 933-0233 or writing to us at Utilities Federal Credit Union, 6221 Center St. Omaha, Nebraska 68106.

Important Information about Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, the USA Patriot Act requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for the member: when an account is opened, we will ask for person’s name, physical address, date of birth, taxpayer identification number, and other information that will allow us to identify the person. We will also ask to see a driver’s license or other identifying documents. If any additional information is required we ill let the individual know at the time of opening.