Privacy Policy





 

Security Information    


 

MEMBER REMINDER
DO NOT RESPOND to email scams that ask for your account number & credit card number, and personal identification numbers. E-mail messages that ask for this type of information are fraudulent, and should be reported immediately. Morgantown AES Federal Credit Union will never contact you and ask for this information

 

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INTRODUCING FREE FRAUD EDUCATION FROM LIBERTY!!

Empower yourself and get the knowledge and tools you need to protect yourself against fraud!!

FREE online Fraud Series is available now!

  • Interactive, easy-to -read online fraud protection learning center
  • Identity theft, check and credit card fraud, and other consumer scams explained
  • Tips and tricks that help protect against being a victim

 


Morgantown AES Federal Credit Union Privacy Policy

Confidentiality of Member Information

 
Morgantown AES Federal Credit Union is committed to protecting our members privacy.  It is the policy of the Morgantown AES Federal Credit Union to hold member information in confidence, subject to applicable legal requirements and standards.  Morgantown AES Federal Credit Union shall not provide member information to non-affiliated parties.
 
We collect and may disclose personal information about individuals from the following sources:
  • Information we receive from membership and loan applications and other forms;
  • Information about individual transactions with us and others;
  • Information we receive from a consumer-reporting agency;
  • Information obtained when verifying information provided on an application or other forms;
  • Information obtained for purposes of personal and credit insurance products and services.
We shall not disclose any non-public information about individuals to anyone, except as permitted by law.  We will adhere to the privacy and practices described in this notice for current and past members.
 
Morgantown AES Federal Credit Union restricts access to members personal and account information to those employees who need to know that information to provide products or services to members.  We shall maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard individual non-public personal information.
 
Members of the Morgantown AES Federal Credit Union can be assured that the confidentiality of account information is the rule, not the exception.

 

                      Twelve Tips to Ensure Internet Security    

  • Keep your computer secure and the access to it;
  • don't send credit card or account details by e-mail;
  • reject any email that asks you to follow a link to a website and input account details for verification
    even if the website looks authentic,it's probably a fake replica
  • make sure you log out of your online account when finished-especially at work,libraries and net cafes
  • deal only with established and reputable merchants;
  • only make payments to secure websites-look for the padlock symbol in the bottom-right of your browser and click for details.
  • if using a new site: do business first in a small way;
  • check your accounts and report discrepancies immediately
  • ignore the "remember my password option" on banking and shopping sites
  • change your password regularly
  • cancel any card that has been used fraudulently
  • read a company's privacy policy before buying online.


    DO NOT RESPOND to email scams that ask you for your account number, credit card number, and personal identification numbers. Email messages that ask for this type of information are fraudulent, and should be reported immediately. Morgantown AES Federal Credit Union will never contact you and ask for this information.


     TIPS TO REDUCE YOUR CHANCES OF  CREDIT /DEBIT CARD FRAUD!

DO:

  • Shred all personal and financial information-such as bills, bank statements, ATM receipts and credit card offers-before you throw it away.
  • Keep your personal documentation ( e.g. , birth certificate. Social Security card etc.) and your bank and credit card records in a secure place.
  • Call the post office immediately if you are not receiving your mail. to get the personal information needed to use your identity, a thief can forge your signature and have your mail forwarded.
  • Be aware of your surroundings when entering your Personal Identification Number (PIN) at an ATM.
  • Limit the number of credit cards and personal information that you carry in your wallet or purse.
  • report lost or stolen credit / debit cards immediately.
  • Review and consider whether you need currently inactive card accounts. Even when not being used, these accounts appear on your credit report, which is accessible to thieves. If you have applied for a credit card and have not received the card in a timely manner, immediately notify the appropriate financial institution.
  • Closely monitor the expiration dates on your credit cards. contact the credit issuer if the replacement card is not received prior to your credit card's expiration date.
  • Sign all new credit / debit cards upon receipt.
  • review your credit reports annually.
  • Use passwords on your credit cards, bank accounts and phone cards. avoid using the obvious passwords- your mother's maiden name, your birth date, or last four digits of your Social Security or phone number.
  • Match your credit card and debit receipts against monthly bills and statements to make sure there are no unauthorized charges.

DON'T

  • Volunteer any personal information when you use your credit card.
  • Give your Social Security number, credit / debit card number or any bank account details over the phone unless you have initiated the call and know that the business that you are dealing with is reputable.
  • Leave receipts at ATMs, bank counters or unattended gasoline pumps.
  • Leave envelopes containing your credit card payments or checks in your home mailbox for postal carrier pickup.
  • Record your Social Security number or passwords on paper and store them in your wallet or purse. Memorize your numbers and/or passwords.
  • Disclose bank account numbers, credit card account numbers or other personal financial data on any Web site or online service location, unless you receive a secured authentication key from your provider.

 

 


Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government We do Business in Accordance with the Federal Housing Law and the Equal Housing Opportunity Act