Disclosures

Privacy Statement

MembersFirst Credit Union is committed to protecting the privacy of our members. In general, you can visit us on the World Wide Web without disclosing to us who you are or revealing any information about yourself. There are several areas, however, that will collect certain information about you, and we want you to know how we handle that information.

If you visit our website, MembersFirst Credit Union collects and stores information about the domain you use to access our website, the Internet address of the site from which you linked directly to our site and the date and time of your visit. This information is used to measure the number of visitors to the various pages on our site to better serve our membership. This information is not sold to any third parties.

If you send an e-mail, MembersFirst Credit Union collects and stores personally identifying information in order to process your e-mail, form or application. This information is not sold to any third parties. Due to the volume of e-mail activity, these messages are deleted after they are answered or completed.

If you visit a secure site, such as home banking, you will be asked for personal identification numbers, which will give you access to the members-only section of our website. This information enables MembersFirst Credit Union to regulate entry to the members-only portions of our website and to measure member usage. Any identifying information gathered is not sold to third parties.

If you link to another site from any of our pages, you are leaving our site pages, and we cannot be held responsible for any information that may be gathered at a linked site. We make every effort, however, to ensure that all linked sites follow similar privacy policies as ours in order to offer you maximum security and privacy.

Funds Availability Policy

Our general policy is to allow you to withdraw funds deposited in your account on the same business day we receive your deposit. Funds from electronic deposits will also be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the same business day. Then, the funds will generally be available by the second business day after the day of deposit.

This policy applies only to transaction (checking) accounts that have been open for more than thirty days. Deposits to non-transaction (savings) accounts and new accounts open less than thirty days, may be subject to longer holds. If you have additional questions about when funds may be available, please ask your credit union representative.

Fair Housing Act Disclosure

We Do Business in Accordance With The Federal Fair Lending Laws

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO: Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling, or to deny any loan secured by a dwelling, or Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan, or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO: Assistant Secretary for Fair Housing and Equal Opportunity Department of Housing and Urban Development Washington, DC 20410 For processing under the Federal Fair Housing Act
AND TO
National Credit Union Administration
Office of Examination and Insurance
1775 Duke Street
Alexandria, VA 22314-3428
For processing under NCUA Regulations

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:
On the basis of race, color, national origin, religion, sex, marital status, or age, Because income is from public assistance, or Because a right has been exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO :
National Credit Union Administration
Office of Examination and Insurance
1775 Duke Street
Alexandria, VA 22314-3428

Children’s Privacy Act :

The online financial services offered through the Credit Union’s mobile app are not designated for or directed toward children under age 13. We do not knowingly solicit or collect data from children, and we do not knowingly market to children online without expressed parental consent or notification. If we receive online information from anyone that we know to be a child, we will only use the information to respond directly to a child’s request. We recognize that protecting children’s identities and online privacy is important and that responsibility rests with us and with the parents. If any member believes their child has provided personally identifiable information to us, they must contact us so that we can allow them the opportunity to review and delete such information.

Online Banking Agreement and Disclosure

This Agreement between you and MembersFirst Credit Union (herein sometimes the “Credit Union”, “we” or “us”) governs the use of Online Banking services (herein sometimes “Online Banking”). These services permit MembersFirst Credit Union members (herein sometimes “you”, “I” or “members”) to perform a number of banking functions on accounts linked to the service through the use of a personal computer. Your use of Online Banking services may also be affected by the agreements between you and the Credit Union for your linked accounts. When you link an account to Online Banking services you do not change the agreements that you have with us for that account. Please read the below disclosure as it contains the terms and conditions that applies to the use of MembersFirst Credit Union’s Online Banking Service. 

See the PDF about our Online Banking Agreement and Disclosure

Click here for our fee schedule.

Overdraft Privilege Disclosure

Electronic Disclosure Agreement