IBEW LU 712 FCU
MEMBER PRIVACY POLICY
IBEW Local Union 712 Federal Credit Union recognizes the importance of the confidential nature of the information it must maintain for its membership. The management and board of directors have developed procedures that ensure the credit union’s compliance with this Policy. This is designed to protect our member’s information, and guard their membership from harm or inconvenience. This policy was unanimously approved at a regular board meeting on April 18,2001.
Types of Information Collected. At IBEW Local Union 712 FCU, we collect nonpublic personal numbers. When necessary for billing purposes, your account number and types of accounts held at the cinformation from a variety of sources. From the member, we collect information as a result of transactions, between members and other parties. These transactions include, but are not limited to over-the-counter transactions, share drafts, ATM or debit cards and electronic transactions such as direct deposits.
Types of Information Disclosed. The IBEW LU 712 FCU may disclose nonpublic, personal information about our members. This would include identification information such as name, address and telephone redit union may also be disclosed. At no time will we disclose their Social Security number or any applicable PINs or passwords.
Third Parties to whom we Disclose Information. Examples of organization we are affiliated with and may disclose information to are: CUNA Mutual Insurance Group (our insurance company) and Enterprise Car Rental (for annual car sales). All third parties that we deal with also must enter into a written agreement to abide by our Privacy Policy. Under no circumstances will we give out information to unaffiliated, independent third parties.
Safeguarding Member Information. Only employees and committee members have access to their information. Management and the Supervisory Committee are responsible for the oversight of our Privacy Policy. All employees have read and understand these policies, and are aware that the disciplinary action will be taken for any violation.
Member’s Right to Opt Out. At any time, members have the right to opt out of the credit union’s sharing agreements with third parties. This option covers all third party.
Disclosures and has not termination period.
Exceptions to Opt Out. By law, the credit union may share personal information about members regardless of the member’s decision to opt out. These include, but are not limited to companies that perform transaction processing initiated by the member or by the credit union on the member’s behalf, government agency to comply with legal requirements.
IBEW LU 712 FCU
Fee schedule effective 5-15-2010
Copy of Check 5.00
Cashing Checks (less than $100 in S-1) 20.00
Close Account and reopening within 90 days 20.00
Non-Sufficient Funds deposited in Account 30.00
Reopen Blocked/Closed Checking Account 20.00
Stop Payment per Request 15.00
Visa Gift Card 3.50
Visa Reloadable Debit 9.50
Certified Check 5.00
Copy of Statement up to 4 pages 3.00
additional pages (each) 1.00
Teller Check payable to third party 5.00
Wire Outgoing Domestic only 15.00
Wire Incoming FREE
ATM transaction (6 monthly) FREE
ATM transaction (over 6 monthly) .50
VISA Debit replacement card 5.00
VISA Debit NSF 30.00
Overdraft/NSF/Uncollectable (from checks, ACH,
Debit Cards or other electronic means) 30.00
VISA Check Card FREE
VISA Credit Card NSF payment 10.00
Home Banking FREE
Bill Pay FREE
Certified Check 5.00
Account Non-Activity after 2 years 10.00
Account Reconciliation 20.00 per hr. min 1 hour
Account Research 20.00 per hr. min 1 hour
Bad Address/undeliverable 10.00 per statement
Payoff letters (faxed or mailed mortgage request) 20.00
The above fees are subject to change.
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