General Statement
The directors, management, and staff of Wolverine State Credit Union are concerned about and respect the privacy of our members’ personal financial information.  We understand that our members furnish sensitive information to the credit union in the course of daily business, and the credit union is committed to treating such information responsibly. We know that our members expect privacy and security for their personal and financial affairs.

Wolverine State Credit Union will take all the necessary steps to safeguard sensitive information that has been entrusted to us by our members. The following Privacy Policy outlines practices regarding personally identifiable financial information for members and others with which we establish a “member relationship,” pursuant to 12 CFR §716 of NCUA’s Rules and Regulations.

Types of Information the Credit Union Collects
At Wolverine State Credit Union, we collect nonpublic personal information from many sources. The credit union collects nonpublic personal information directly from members, joint owners, co-borrowers, and guarantors on various applications and forms, for example, loan applications, deposit account applications, and requests for information about accounts or products and services.

The credit union also collects information as a result of transactions between the credit union and such individuals and as a result of providing our products and services. This includes transaction information from share drafts (checks), debit cards, credit cards, automated teller machine (ATM) cards, and electronic transfers (for example, home banking or automated clearinghouse (ACH) transactions).

The credit union also collects information from consumer reporting agencies. Nonpublic personal information does not include information the credit union obtains from government records, widely distributed media, or government-mandated disclosures.

Types of Information the Credit Union Discloses
We may disclose information we collect, as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We may also disclose nonpublic personal information to nonaffiliated third parties as permitted by law.

Former Members
There is no further disclosure at the point membership is terminated, beyond what is permitted by law.

Safeguarding Member Information
At Wolverine State Credit Union, we protect member privacy by ensuring that only employees who have a business reason for knowing information have access to it.  The credit union Financial Privacy Coordinator, will be responsible for maintaining internal procedures to ensure that our members’ information is protected.

All employees have a copy of this policy and are trained at least annually regarding the importance of safeguarding member information. The Financial Privacy Coordinator (Chief Operations Officer), will take disciplinary action with advisement and assistance of HR against any employee who violates the credit union’s privacy policy and procedures.

If we change our policy or practice by, for example, adding a category of information that will be disclosed to a third party, the credit union will notify existing members and give them an appropriate time period to opt out of the disclosure.

All employees receive and acknowledge the confidential information and fraud policies.

The Board of Directors has adopted these policies.

We maintain procedural safeguards that comply with federal regulations to guard your non-public personal information.

All members records are kept in a locked, fireproof room to protect them against physical hazards such as fire or water damage.

Remember, you, the Member, are our first concern.

You can help protect your privacy.

  • Protect your account numbers, credit card numbers and passwords.
  • NEVER keep your PIN with your debit/credit cards. This will safeguard access to your accounts if your card is lost or stolen.
  • Use caution before you give out your account number or personal information unless required-including home phone, driver’s license, credit card, bank accounts and especially your social security number to other persons. Tear up or shred discarded papers that include an account number. Only use retailer. If someone calls and requests this information, ask for their phone number and call them back with the information. Chances are they will not have a phone number and therefore it will be a bogus call.
  • Be sure to keep all of your information current with us. This is extremely important if we should have to contact you. If we detect fraudulent or suspicious activity, we will attempt to contact you immediately. So be sure to let us know if your address or phone number changes.

Cookies
Cookies are electronic markers that are stored directly on the computer you are using to indicate activity or to access a specific web site or pages contained on a web site. When you return to the web site, your browser will give that information back to the server.

If you visit our website, Wolverine State Credit Union uses cookies to collect and store information about the state of your session on our web site. As well, these cookies store your computer’s configuration data and the Internet address of the site from which you linked directly to our web site, and the date and time of your visit. This cookie data is tied to your personally identifiable information to enable our service from your computer. This information is used to measure the number of visitors to the various pages on our site.

If you disable cookies on the computer you are using to access our web site, you will not be able to bank online with us. We do not encode your personally identifiable information in our cookies. However, if you send an e-mail, Wolverine State 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. Paper copies of these documents may be stored in a secure file.