Privacy

First Class Federal Credit Union (FCFCU) is committed to protecting the privacy of its members and other users of its web site. To that end, we have adopted the following privacy policy for our web site:

1. General web site pages: FCFCU collects and stores information on the domain you use to access its web site, the Internet address of the site from which you linked directly to its site, the date and time of your visit to its web site, and the browser software used by you to access its web site.
   
   
2. Member-only web site pages: Personal identifying information is collected when a member registers to access FCFCU's member-only sections of our web site. This information enables FCFCU to regulate entry to the member-only portions of our web site and to measure member usage. Any personal identifying information gathered during member registration is not sold to, leased to, or shared with third parties.
   
   
3. E-mail: Personal information contained in e-mail sent by members and non-members may be used by our staff and volunteers to answer questions, to follow up on suggestions or complaints, or to improve the level of service FCFCU provides. Please be advised that e-mail may not be secure against interception by unauthorized individuals. Therefore, if you wish to communicate sensitive or personal information with FCFCU, you may want to send it by postal mail.

We (FCFCU) reserve the right to change this policy at any time by posting a new privacy policy on our web site. If you have any questions about FCFCU's web site privacy policy, call us at 610-439-4102 or l-888-458-7332.

Privacy Practices For Credit Union Members

First Class Federal Credit Union, your member owned financial institution, is committed to providing you financial products and services to meet your needs and reach your financial goals. We are equally committed to protecting our members’ privacy. You can be confident that your financial privacy is a priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact a member service representative at 610-439-4102 or l-888-458-7332.

Information We Collect And Disclose About You

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications and other forms.
• Information about your transactions with us or others.
• Information we receive from a consumer reporting agency.
• Information obtained when verifying the information you provide on an application or other forms. This may be obtained from your current or past employees, or from other institutions where you conduct financial transactions.

We may disclose all the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members’ 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 member information we provide to other third parties.

In order to conduct the business of the credit union, we may also disclose nonpublic personal information 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 First Class 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 nonpublic 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 nonpublic personal information.

What You Can Do To Help Protect Your Privacy

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

• Protect your account numbers, card numbers, PIN (personal identification numbers) and passwords. Never keep your PIN with your debit or credit 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 you, explains 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 your information and will not need to ask for it.
• Keep your information with us current. 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 will attempt to contact you immediately. If your address or phone number changes, please let us know.

If you have questions concerning this notice, contact the credit union.