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Online Banking Policies and Discosures

EPIC Federal Credit Union Online Banking Policies And Disclosures

Privacy Policy:

What Does EPIC Federal Credit Union Do with Your Personal Information?

Why:

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What:

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income
  • Account balances and payment history
  • Credit history and credit score

When you are no longer our customer, we do not continue to share your information as described in this notice.

How:

All financial companies need to share member’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their member’s personal information; the reasons EPIC Federal Credit Union chooses to share; and whether you can limit the sharing.

Reasons we can share your personal information:

For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Does EPIC Federal Credit Union share? Yes

Can you limit this sharing? No

For our marketing purposes – to offer our products and services to you

Does EPIC Federal Credit Union share? Yes

Can you limit this sharing? No

For joint marketing with other financial companies

Does EPIC Federal Credit Union share? Yes

Can you limit this sharing? No

For our affiliates’ everyday business purposes – information about your transactions and experiences

Does EPIC Federal Credit Union share? Yes

Can you limit this sharing? No

For our affiliates’ everyday business purposes – information about your creditworthiness

Does EPIC Federal Credit Union share? No

Can you limit this sharing? We don’t share

For our affiliates to market to you

Does EPIC Federal Credit Union share? No

Can you limit this sharing? We don’t share

For our nonaffiliates to market to you

Does EPIC Federal Credit Union share? No

Can you limit this sharing? We don’t share

What We Do

How does EPIC Federal Credit Union protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does EPIC Federal Credit Union collect my personal information?

We collect your personal information, for example, when you:

  • Open an account or make a wire transfer
  • Show your government-issued ID or apply for financing
  • Give us your contact information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

  • Sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with a common corporate identity of EPIC Federal Credit Union; companies such as EPIC Insurance Agency.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies. EPIC Federal Credit Union does not share with our nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include CUNA Mutual Group’s MEMBERCONNECT and SWBC.

Questions? Call 504-454-8224 

EPIC ONLINE HOME BANKING DISCLOSURES AND AGREEMENT

TERMS AND CONDITIONS:

This Electronic Funds Transfer Agreement is the contract which governs your and our rights and responsibilities concerning the online banking services offered to you by EPIC Federal Credit Union. In this agreement, the words “you” and “yours” mean those who sign the application or account cards as applicants, joint owners, or any authorized users. The words “we”, “us”, and “our” mean EPIC Credit Union. The word “account” means any one or more share and share draft accounts you have with us. Electronic funds transfers are electronically initiated transfers of money from your account through the electronic method(s) described below. By signing an application or account card for online banking services or by using the service, each of you, jointly and severally, agree to the terms and conditions in this agreement and any amendments hereto. We may terminate access to electronic fund transfers or cancel your access devices, if any, at any time. Upon such termination, we shall give you notice of termination. Access to electronic fund transfers may be terminated by you by giving a written notice to us. Termination of the access shall not affect the liability you incurred prior to termination. You must keep your share Account and checking Account open in order for your access to electronic fund transfers to remain valid. You agree to pay the current charges shown on the Fee Schedule and any future charges that may be approved by our Board of Directors for the use of electronic fund transfers. You authorize us to take any such fees from any Account in which you have an ownership interest or the right to withdraw.