Your privacy rights

We, our, and us, when used in this notice, mean First American Credit Union.

This is our privacy notice for our members. When we use the words “you” and “your” we mean the following types of members:

Our Privacy Disclosure Policy

Categories Of Information That We May Collect

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

• Information we receive from you on applications or other forms, such as: your name, address, social security numbers, assets, and income.
• Information about your transactions with us, our affiliates, or others, such as: your account balance, payment history, parties to transactions, and credit card usage.
• Information we receive from a consumer reporting agency, such as: your creditworthiness and credit history.

Categories Of Information That We Disclose

We do not disclose any nonpublic personal information about our members or former members to anyone, except as required by law.

Disclosure As Permitted By Law

We may disclose all of the information we collect, as described above to service providers and companies that perform marketing services on our behalf (for example—check printing companies).

Confidentiality and Security

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
If you ever have questions or concerns about the integrity of your account information, please contact us.

Your Liability for Unauthorized Transfers and Advisability of Prompt Reporting

If you believe your PIN has been lost, stolen or compromised, you should change your PIN before immediately using the Services.

Tell us AT ONCE if you believe your PIN has been lost, stolen, or compromised. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account (plus your maximum overdraft line of credit, if any). If you tell us within two business days, you can lose no more that $50 if someone used your PIN without your permission.

If you do NOT tell us withing two business days after you learn of the loss or theft of your PIN, and we can prove we could have stopped someone from using your PIN without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Credit Union Liability

If we do not complete a transfer to or from your Account on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages. However, there are exceptions. We will NOT be liable, for instance:

• If, through no fault of ours, you do not have adequate funds in your Account to complete a transaction, your Account is closed, or the transaction amount would exceed your credit limit on your line of credit loan, if applicable.
• If you used the wrong access code or you have not properly followed any applicable computer, Internet access, or user instructions for making transfers.
• If your computer fails or malfunctions or the Net Branch Banking Service was not properly working and such problem should have been apparent when you attempted such transaction.
• If circumstances beyond our control (such as fire, flood, telecommunication outages, organized labor strikes, equipment or power failure) prevent making the transaction.
• If the funds in your Account are subject to an administrative hold, legal process or other claim.
• If you have not give us complete, correct and current instructions so that we can process a transfer.
• If the error was caused by a system beyond our control, such as that of your Internet Service Provider.
• If there are other exceptions that we may establish from time to time.

In Case of Errors or Questions about Your Electronic Transfers

Call us at: (520) 836-8848 or toll free at (800) 759-9442

or write us at:

First American Credit Union
1001 N. Pinal Avenue
Casa Grande, AZ 85222

as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than sixty (60) days after we send you the FIRST statement on which the problem or error appeared.

• Tell us your name and Account number (if any).
• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
• Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.

We will tell you the results of our investigation within ten (10) business days (20 business days if the error involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your Account within ten (10) business days (20 business days if the error involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your Account.

If you give notice of an error within 30 business days after the first deposit to an Account is made, we will tell you the results of our investigation within 20 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to ninety (90) business days to investigate your complaint or question. If we decide to do this, we will credit your Account within 20 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.

We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

We invite you to print a copy of this Net Branch Disclosure and agreement and retain it for your records. You may also obtain a copy of this Agreement at the credit union offices.

First American Credit Union does not have any responsibility for any use or misuse of data by any third party to whom the member has provided account information, passwords, or personal identification numbers.