Privacy Policy

FACTS
WHAT DOES EASTERN PANHANDLE FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and account balances
  • Checking account information and credit history
  • Overdraft history and payment history

When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Eastern Panhandle Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Eastern Panhandle Federal Credit Union share? Can you limit this sharing?
For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus 		Yes No
For our marketing purposes –
to offer our products and services to you 		Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes –
information about your transactions and experiences 		No We don’t share
For our affiliates’ everyday business purposes –
information about your creditworthiness 		No We don’t share
For our affiliates to market to you –
 No We don’t share
For nonaffiliates to market to you –
 No We don’t share
Questions? Call (304) 263-2887or go to www.easternpanhandlefcu.com
Who we are
Who is providing this notice? EASTERN PANHANDLE FEDERAL CREDIT UNION
What we do
How does Eastern Panhandle Federal Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Eastern Panhandle Federal Credit Union collect my personal information? We collect your personal information, for example, when you
  • open an account or apply for a loan
  • make a wire transfer or show your government-issued ID
  • give us your contact information
Why can’t I limit all sharing? Federal law gives you the right to limit only
  • sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State law and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
• Eastern Panhandle Federal Credit Union has no affiliates
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
• Nonaffiliates we share with can include insurance companies, government agencies, plastic card processors (credit/debit/ATM), financial statement publishers or printers, mailhouse, mortgage companies, consumer reporting agencies, data processors, and check/share draft printers.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. .
• Our joint marketing partners include CUNA Mutual Group's MEMBERCONNECT and credit card companies