Cincinnati Interagency Federal Credit Union

Internet Privacy Statement

Information collected & stored automatically

Site management information is collected for statistical purposes. Computer software programs are used to create summary statistics, which are used for such purposes as assessing what information is of most and least interest, determining technical design specifications, and identifying system performance or problem areas. No personal information, such as your name or address, is collected or used for this analysis. We collect no information which would identify you personally.

Information collected from e-mails and web forms

When you send us personally identifying information, for example, in an electronic mail message containing a question or comment or by filling out a form that e-mails us this information, we use this information to fulfill or respond to your requests. We may store these requests to provide us with information for future improvements to our web site. We may forward your e-mail to other employees who are better able to respond to your request. CIFCU may also use this information to help us do our work. We do not create individual profiles with the information your provide. CIFCU does not give, sell, or transfer personal information to third parties, unless required by law.

External Links

This site contains links to other sites. CIFCU is not responsible for the privacy practices or the content of such web sites.

Contact information

This site gives members the following options for changing and modifying information previously provided:

1. You can send an e-mail to info@cifcu.org
2. You can send a fax to (513) 569-7836
3. You can send mail to : CIFCU 26 West ML King Drive, G4 Cincinnati, OH 45220
4. You can call (513) 569-7878 OR (888) 692-4328

 

Funds Availability Policy

This disclosure describes your ability to withdraw funds at the Cincinnati Interagency Federal Credit Union. It only applies to the availability of funds in transaction accounts. The credit union reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy.

General Policy: Our policy is to make funds from your cash and check deposits available to you on the same business day that we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. We have different deposit cut-off hours for different deposit locations. The earliest cut-off time that might apply is 1:00PM (or 12:15PM on Wednesdays, Main Office only). If you make a deposit before our cut-off hour on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after our cut-off hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Our cut-off hours are available at the Credit Union.

Reservation of Right to Hold: In some cases, we will not make all of the funds that you deposit by check available to you on the same business day that we receive your deposit. Depending on the the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $200.00 of your deposit will be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the same business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

Holds on Other Funds: If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

Longer Delays May Apply: We may delay your ability to withdraw funds deposited by check into your account an additonal number of days for these reasons:

• We believe a check you deposit will not be paid.
• You deposit checks totaling more than $5000.00 on any one (1) day.
• You deposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last six (6) months.
• There is an emergency, such as failure of communications or computer equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Special Rules for New Accounts: If you are a new member, the following special rules will apply during the first thirty (30) days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5000.00 of a day’s total deposits of cashier’s, teller’s, traveler’s, and federal, state, and local government checks will be available on the next business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000.00 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit.

Deposits at Nonproprietary ATMs: Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines.

 

Privacy Notice Disclosure

CIFCU, your member owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to provide you with this privacy notice. It describes our credit union’s privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.

If after reading this notice you have questions, please phone us at
(513) 569-7878 or (888)692-4328, fax us at (513) 569-7836, e-mail us at info@cifcu.org, or write to:

Cincinnati Interagency Federal Credit Union
26 West Martin Luther King Drive, G4
Cincinnati, OH 45220

Information We Collect About You

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

• Information we receive from you on applications and other forms
• Information about your transactions with us
• Information we receive from a consumer reporting agency
• Information obtained when verifying the information you provide on an application or other forms; this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions

We may disclose all of the information we collect, as described above, as permitted by law.

Parties Who Receive Information From Us

We may disclose nonpublic personal information about you to the following types of third parties:

• Financial service providers, such as insurance companies, and mortgage service companies.
• Non-financial companies, such as consumer reporting agencies, data processors, check/sharedraft printers, plastic card processors, and government agencies.

Disclosure of Information to Parties That Provide Services to Us

In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to other financial institutions with whom we have joint marketing agreements, to other companies that perform marketing services on our behalf, or to nonaffiliated third parties for the purposes of processing and servicing transactions that you request or authorize, so that we may provide members competitive products and services.

We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties.

Disclosure of Information About Former Members

If you terminate your membership with the Cincinnati Interagency Federal Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information

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, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

What Members Can Do To Help

Cincinnati Interagency Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

• Protect your account numbers, plastic card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
• Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.

Let us know if you have questions. Please do not hesitate to call us – we are here to serve you!

With Regard to Mortgage Products

The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (“SAFE Act”) was passed on July 30, 2008.

The SAFE Act is designed to enhance consumer protection and reduce fraud through the setting of minimum standards for the regulation and state-licensing of Mortgage Loan Originators (MLOs).  It also requires the registration of all MLOs on the Nationwide Mortgage Licensing System and Registry (NMLS).

The SAFE Act requires that MLO applicants have demonstrated financial responsibility, character, and general fitness such as to command the confidence of the community and to warrant a determination that applicants will operate honestly, fairly, and effectively.

Each aproved MLO will carry a nationwide identification number known as a “unique identifier” which is assigned by the NMLS.

NMLS Consumer Access is a free service for consumers to confirm that the mortgage company or mortgage professional with whom they wish to conduct business is authorized to conduct mortgage business in their state.  See www.nmlsconsumeraccess.org to verify MLOs by name or by unique identifier.  The names and unique identifiers of CIFCU and its MLOs are listed below and are also posted in each of our offices.

Cincinnati Interagency Federal Credit Union  = 488078
Kimberly B. Zeigler = 718907
Karen E. Anderson = 718908
Lois E Breitensten = 718909
Angela M. Preston = 718910
Tina M. Gallimore = 718911
Kathleen M. Kirk = 718912