Privacy Policy

Ecusta Credit Union is committed to protecting the privacy of our members. Under federal law we are required to provide this privacy notice. The following describes our privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of a credit union. If after reading this you have any questions, please contact us at:

(828) 884-7283 or (800) 642-7284

or write to:

Attn: Privacy Act Personnel
Ecusta Credit Union
PO Box 910
Pisgah Forest, NC 28768

Information We Collect About You

We collect non-personal information about you from the following sources:

• Information we receive from you on applications and other forms
• Information about your transactions with us
• Information we receive from a consumer reporting agency

We may disclose all of the information we collect, as described above, as permitted by law.

Parties Who Receive Information from Us

• Financial service provider, such as insurance companies
• Non-financial companies, such as consumer reporting agencies, data processors, check/share draft printers, financial statement publishers, plastic card processors and government agencies.

Disclosure of Information to Parties that Provide Services to Us

In order for us to conduct business of the credit union, we may disclose all the information we collect, as described above, to companies that perform other services on our behalf 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, and follow your instructions as you authorize or protect the security of our financial records.

To protect our members' privacy, we only work 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 the information we provide to other third parties.

How to Opt Out or Stop Certain Disclosures about You

If you prefer that we do not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures - you may direct us not to make those disclosures (other than permitted by law). If you wish to opt out of the disclosures to nonaffiliated third parties, you must obtain and complete an Opt Out Response Form, available at the credit union.

You may opt out of these disclosures at any time. The opt out, by law, will not apply to disclosures that are legally permitted or disclosure we make to companies that perform services on our behalf or to other financial institutions that have joint marketing agreements with us.

Once we receive your requests, we have a reasonable amount of time to stop the disclosures. You may always contact us for assistance if you wish to later revoke your opt out election.

Note to Joint Account Holders

If you and someone else (or others) who is/are not member(s) of our credit union has/have obtained a financial product from us, the nonmember(s) is/are eligible to exercise the right to opt out. If any one of you exercise the right to opt out, we will treat it as if all of you directed us to not make disclosures to nonaffiliated third parties (except those permitted by law).

Disclosure of Information about Former Members

If you terminate your membership with Ecusta Credit Union, we will not share information we have collected about you, except as may be permitted 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

Ecusta Credit Union members can help protect their privacy by following these simple guidelines:

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