The purpose of this website is to provide a convenient way for you to access information about your credit union accounts. We do not capture any of your information about your credit union accounts. We recognize that privacy and security of personal financial information is a concern to you. We have taken care in establishing and implementing policies and procedures to protect this information. We safeguard information according to established security standards and procedures, and we continually assess new technology for protecting information.
We gather and analyze data regarding usage of our website, including domain name, number of hits, pages visited, length of user session, etc., to evaluate the usefulness of our site.
Utility District Credit Union collects non-public personal information about you from the following sources: (1) Information we receive from you on applications and other forms; (2) Information about your transactions with us or others; and (3) Information we receive from a consumer reporting agency.
We do not disclose any non-public personal information about you to anyone, except as permitted by law. If you decide to terminate your membership or become an inactive member, we will adhere to the privacy policies and practices as described in this notice.
The Utility District Credit Union restricts access to your personal account information to those employees who need to know that information to provide products and services to you. Utility District Credit Union maintains physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
|Regarding Member Information
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means to our Members: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying objects.
U.S.A. Patriot Act
Helping the Government Fight Terrorism
As you know, the United States government is fighting terrorism on all fronts. To help the government put an end to the funding of terrorism and money laundering activities, all financial institutions, including Utility District Credit Union, are required to verify the identity of every person who opens an account.
On October 26, 2001, the U.S.A. Patriot Act went into effect. This means that just as there is heightened security at airports across the country, there will be increased identity verification requirements at the credit union. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
With the extra paperwork and identification requirements, when opening a new account, your patience and cooperation is appreciated. These things are here to protect you, your family, and your fellow Americans. Think of it as your personal role in our country’s fight to protect freedom and democracy.
Plastic Card Security Tips
Ways to Protect Your Identity
With the explosion of Internet financial transactions and the burgeoning use of credit and debit cards, it's more important than ever to protect your electronic identity. Here are some tips to remember:
- Avoid carrying all your plastic cards, Social Security number, birth certificate or passport. Carry only those cards you will be using and other necessary identification.
- Reduce the number of active cards you have.
- Do not write your password or PIN (Personal Identification Number) on your card -- or carry it with you. Memorize it!
- When shopping on the Internet, buy from recognizable, reputable businesses. And make sure you are shopping in a "secure" environment on their website.
- Transactions completed over the Internet should be handled carefully. Do not assume your communication is private. Ensure transmittal of any personal information is protected by encryption. Check with creditors, merchants, network providers, etc., to find out what they're doing to ensure your privacy.
- If you notice a decrease in mail to any one in your household or do not receive anticipated statements, contact the post office and/or your creditor to verify the address they show on your account. Account takeovers are usually accomplished by changing the address on an individual and then requesting new plastic cards.
- When you go on vacation, ask the post office to place a hold on your mail until you return.
- Do not have your Social Security numbers or driver's license number printed on your checks.
- Compliment merchants and clerks who hold your card and verify your signature. Confront clerks who do not verify your signature as required by both VISA and MasterCard.
Most of all, be careful and use common sense when using your credit and debit cards on the Internet.