Sunday, September 5th, 2010.
Ferko Maryland Federal Credit Union
7630 Hayward Rd
Frederick, MD 21702
Tel: (301) 662-7266
Alt:
Fax: 301-662-4525
DIRECT DEPOSIT & SHARE DRAFT (CHECKING) ACCOUNTS ARE NOW AVAILABLE!
For more info, click the Services tab above or call us today!
PRIVACY POLICY
Protecting
your privacy is important to us. We want you to understand what information we
collect, how we use it, and how we protect it. To assure the continued privacy
and confidentiality of your personal financial information, we observe these
practices and procedures.
Information
We Collect
"Nonpublic
personal information" is personally identifiable information that we collect
in connection with providing you a financial product or service. We collect
nonpublic information about you from some or all of the following sources:
·
Information we receive from you on
applications and other forms;
·
Information about your transactions
with us, or others; and
·
Information we receive from a
consumer reporting agency.
Information We Disclose
We do not disclose any nonpublic personal information about our members
and/or our former members to anyone, except as permitted by law.
Our Security Measures
We restrict access to nonpublic information about you to those employees
who need to know that information to provide products and services to you. We
maintain physical, electronic and procedural safeguards that comply with federal
regulations to guard your nonpublic personal information.
IDENTITY THEFT
ID Theft or (Identity Theft)
occurs when someone uses your personal information to commit fraud or other
crimes. By obtaining a few pieces of confidential personal information, the
thief can open accounts, obtain debit and credit cards, and obtain loans using
your identity. Learning how to protect yourself and what to do if you suspect
that your identity has been stolen are important steps in stopping this crime.
Steps we encourage you to take to protect yourself from ID Theft:
·
Do not give personally identifiable
information such as account or social security number over the phone, through
the mail, or over the internet unless you have initiated the transaction and
know who you are dealing with.
·
Before revealing information, find
out how it will be used and if it will be shared with anyone. Ask if you have a
choice about the use of your information.
·
Store personal information in a
safe place and shred old credit card, debit card, and ATM receipts, account
statements, and unused credit card offers.
·
Check your account statements
carefully to ensure all charges, checks, and withdrawals were authorized.
·
Pay attention to your billing and
statement cycles. Call us if you did not receive a statement; it may mean that
the statement has been stolen or diverted to another address by an identity
thief.
·
Give your Social Security number
only when absolutely necessary. Ask to provide other identifying information
when possible.
·
Minimize the identification
information and the number of debit and credit cards you carry.
·
Guard your mail from theft.
·
Order a free copy of your credit
report from the three credit reporting agencies every year. Make sure it is
accurate and includes only those activities you have authorized.
·
Visit the National Credit Union
Association’s (NCUA’s) Fraud Information website at www.ncua.gov/fraufinfo/index.htm