USU Charter Credit Union
Bill Payer Login & Web Teller Login & links Contact Us Site Index Home Web Teller Demo More Info Web Teller Login Bill Payer More Info Bill Payer Login


Privacy Policy

USU Charter Credit Union is a Federal Credit Union owned by its Members and run by a Board of Directors you elect. You can be confident that your financial privacy is a top priority of the Credit Union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact a Credit Union Member Service representative at (435) 753-4080 or (800) 248-6361.

Children's Online Privacy Policy

Nonpublic Personal Information We Collect About You

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

  • Information we receive from you on applications, e-mail, or other forms;
  • Information about your transactions with us, our affiliate (CSI Financial), or others;
  • Information we receive from consumer reporting agencies;
  • Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers, from other institutions where you conduct financial transactions and other sources listed on the application or other forms;
  • Information we receive from government agencies such as the Department of Motor Vehicles; and
  • Information we may obtain from census data and consumer purchasing providers to develop competitive marketing programs for our members.

Nonpublic Personal Information We May Disclose About You to Other Financial Service Providers / Fair Credit Reporting Act Disclosure

As permitted by law, we may disclose your name, address, telephone number, and date of birth to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. This is to provide you with additional products and services which meet your financial needs. We may also disclose nonpublic personal information about you and other information about our transactions and experiences with you to our affiliate, CSI Financial. Information taken from credit reports will not be exchanged without your authorization.

Additional Nonpublic Personal Information We May Disclose About You to Third Parties Who Help Us Service Your Credit Union Accounts

We may disclose additional nonpublic personal information about you to process transactions on your behalf, to conduct the operations of USUCCU, to follow your instructions as you authorize, or to protect the security of our financial records. Such disclosures are typically made to: CSI Financial and insurance companies. Financial service providers such as credit reporting agencies, other financial institutions, personal property appraisers, real estate appraisers, digital signature services, courier services, real estate settlement services, title companies, collection companies, check suppliers, check reporting systems, ATM suppliers, credit card suppliers, statement printing and mailing services and vendors of the Credit Union's internal data processing software and hardware. We may also disclose information about you under other circumstances as permitted or required by law.

To protect your 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 to other third parties the information we provide.

If you terminate your membership with USU Charter Credit Union, we will not share information we have collected about you, except as 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, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

What You Can Do to Help Protect Your Privacy

USU Charter Credit Union is committed to protecting the privacy of its Members. Members can help by following these simple guidelines:

  • Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit 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 and says they're from the Credit Union and asks for your account number, do not give it to them. Bonafide Credit Union staff already have access to your information and will not need to ask for it.
  • Keep information current on how the Credit Union can reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

This notice may be printed using your browser or you may have a copy sent to you by contacting a Credit Union Member Service representative at (435) 753-4080 or (800) 248-6361. You may also contact us at info@usuccu.org


Web Site and Web Teller Security

  • Accuracy of Personal Information

The Credit Union intends to exercise reasonable procedures in order to assure the accuracy of our records and your personal information. Inaccurate information, when brought to our attention, will be corrected as promptly as possible. If you have any questions regarding the accuracy of your personal information, please contact a Credit Union representative by phone at 435-753-4080, by email at info@usuccu.org, or visit us at one of our offices located at 695 East 1000 North or 198 North Main, Logan, UT 84321. We will investigate your issue and update your records as needed. We request that you keep your personal information as current as possible so that you may get the maximum benefit from the Credit Union. In particular, please make sure that you inform us of any mailing address, phone number, or email address change so that we may communicate with you.

  • Protection of Personal Information

The Credit Union uses multiple levels of security; beginning with your browser and ending with the Credit Union's operating system that acts as a virtual information vault inside the Credit Union. We can receive your secured information via online applications utilizing Web page encryption security as directed in the encryption secured form instructions and required industry standard Secure Socket Layer encrypted browsers. Our Web Site is a VeriSign secure site, the leading provider of Internet trust services. You can review our security certification by clicking on the VeriSign logo on our home page.

For the security of your account information through Web Teller, your account number and access code must be entered correctly. Access to Web Teller is "locked out" if an incorrect account number and password combination are entered three times. The account can be unlocked by contacting the Credit Union. If anyone besides you attempted to access your account, you should immediately notify us and change your access code (password).

  • Non-Personal Information

When you connect to our Web Site, the Credit Union collects non-personal information that does not identify you. This information is used to help us monitor and improve our Web Site. Non-personal information we collect may include but is not limited to: (a) the pages you have visited on our Web Site, (b) the services provided on our Web Site you have used, and (c) the time and date you visited our Web Site.

  • Cookies

In order to access Web Teller you must have 'cookies' enabled in your browser. Information stored in 'cookies' helps us to serve you better and is used to protect your account security when using Web Teller. No personal information is collected by the Credit Union with 'cookies.' You can set your browser to warn you if a 'cookie' is requested and decide whether or not to accept it. However, you will not be able to use Web Teller if you choose not to accept 'cookies.' If you wish, you can also view the contents of and/or delete the 'cookies' file stored on your hard drive.

Protecting your privacy is an ongoing process. USU Charter Credit Union is confident that we have taken all necessary security precautions to ensure that access to our Web and email account services are secure and that your account information continues to remain confidential. We will continue to review the measures we take to safeguard your personal information. These reviews will result in new measures to protect member records as the Credit Union makes changes to its information security practices and other internal control systems to take advantage of new technology.

  • You are also responsible for helping to protect the security of your accounts by:

Never share your password (PIN) with anyone or keeping it in a wallet or purse. This is your best protection against unauthorized access to your accounts. No one from USU Charter Credit Union will ever ask you for the passwords (PINs) for your accounts. The exception is when you choose to sign up for email statements through eBenefits you must provide us with a password.

You should change your password on a regular basis. Immediately change your password and contact the Credit Union if you think that your password may have been compromised. Never leave your password as the last four digits of your social security number. A password should use a combination of letters and numbers that cannot be linked back to you. And, it's best not to use any word that could be found in a dictionary.

Never leave your computer when you have Web Teller or your electronic statement visible. Log off of Web Teller after each use. Be sure to clear your browser's cache by closing the browser down or by following the instructions for the browser after each session so no one can view the account pages you have visited.

By clicking on some of the links on this web site you will be transferred to another company's website. USUCCU is providing these links as a service to you and is not responsible for the content or accuracy of the information provided on these sites. Please be aware that other web sites may obtain or use information about you differently than us. We recommend you read the privacy policies of any web site you visit before using their services.