New Account Information
- Truth in Savings Disclosure
- Schedule of Fees
- Electronic Funds Transfer Disclosure
- Electronic Banking Services Agreement and Disclosure
Credit Card Information
We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider.
Under these arrangements, we may disclose all of the information we collect, as described below, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members’ privacy, we work only with companies that agree to maintain strong confidentiality protections and limit the use of the information we provide. We do not permit these companies to sell to other third parties the information we provide to them.
Information We Collect and Disclose About You
We collect the following non-public personal information about you from a variety of sources and may disclose all the information we collect to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.
From membership and loan applications and other forms, we obtain information such as name, address, Social Security Number, and income.
From transactions with us or other companies that work closely with us to provide you with financial products and services, we obtain information such as your account balances, payment history, parties to transactions and credit card usage.
From consumer reporting agencies, we obtain information such as your creditworthiness and credit history.
From verification of information you provide on applications and other forms, we obtain information from current or past employers, other financial institutions and other sources listed on the application.
We may also disclose the information we collect about you under other 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.
If you terminate your membership with Wellness Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.
How We Protect Your Information
We restrict access to non-public personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your non-public personal information.
U.S. Patriot Act
To help government fight funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that on personal accounts identifies each person who opens an account. In addition on legal entity accounts, we will require identification on beneficial owners and controlling person. 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.