Privacy/Security/Disclosures

• Privacy Statement
• Security Statement
• Disclosures
• Consent Form for Overdraft Services
• Membership Agreement
• Electronic Funds Transfer Agreement
• E-Sign Disclosure
• RDC Terms & Agreements
• Member.Net3 Terms & Agreements

Security Statement

First Area Credit Union is constantly concerned about our member’s critical information and privacy. With this in mind, we have the following security services installed on our Internet server:

• Each server is behind a Firewall. This hardware product blocks critical ports and IP addresses on servers from external attack and access.
• Each server runs proprietary software that constantly monitors the servers for unauthorized use and attempts to "hack" into information. 
• All administrative activity requires user login and authentication. All administrative updates are logged into files that can be reviewed later.
• All servers come with a Global Verisign Certificate (RSA) for digitally encrypted communications between the Web server and your member. Information passed in applications cannot be decrypted by third parties attempting to "pick" information being passed across the Internet backbone.
• All servers run the latest version of software on the market.

Disclosures

Disclosure of Information to Parties That Provide services to Us
In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreement so that we may provide members competitive products and services. We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

To protect our member´s privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties.

Disclosure of Information About Former Members
If you terminate your membership with First Area Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

What Members Can Do to Help

First Area Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

• Protect your account members, plastic card numbers, PINs (personal identification numbers) or passwords. Never keep your PIN with your card, which can provide free access to your accounts of your card is lost or stolen.
• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will never call you and ask for personal information.
• Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we
• Let us know if you have questions. Please do not hesitate to call us - we are here to serve you!