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Mid American Credit Union Online Banking Privacy Policy

Facts    

WHAT DOES MID AMERICAN 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
  • Account balances
  • Transaction history
  • Credit scores
  • Checking account information
  • Employment information

When you are no longer a member, we continue to share your information as described in this notice. 

 

How?

 

 

All financial companies need to share members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members' personal information; the reasons Mid American Credit Union chooses to share; and whether you can limit this sharing.

 

 

 Reasons we can share your personal information  Does Mid American Credit Union share? Can you limit this sharing?

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

Yes

No

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

Yes

No

For joint marketing with other financial companies

Yes

No 

For our affiliates' everyday business purposes - information about your transactions and experiences

Yes

No

For our affiliates' everyday business purposes - information about your credit worthiness

No

We don't share 

For non affiliates to market to you

No 

We don't share

 

What We Do  

How does Mid American 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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does Mid American Credit Union collect my personal information? 

 

 

 

 

 

We collect your personal information, for example, when you

  • Open an account
  • Pay your bills
  • Apply for a loan
  • Provide your mortgage information
  • Show your driver's license

We also collect your personal information from others, such as credit bureaus, affiliates and 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. See below for more on your rights under state law.

 

Definitions  

Affiliates

 

 

 

Companies related by common ownership or control. They can be financial and non-financial companies

  • Our affiliates include: Credit Union Service Center

Nonaffiliates

 

 

 

 

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Mid American Credit Union does not share with non-affiliates so they can market to you
  • 

Joint Marketing

 

 

 

A formal agreement between non-affiliated financial companies that together market financial products and services to you.

  • Our joint marketing partners include insurance companies and investment companies

 

Other Important Information

For Alaska, Illinois, Maryland, and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization.

For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing without your authorization.

For Vermont Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.

 

Mid American Credit Union8404 West Kellogg DriveWichita, KS 67209316.722.3921Fax 316.722.0920Privacy Policy