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The following documents are available to all members:

Privacy Policy

This Privacy Policy describes how Centex Citizens Credit Union collects and uses your personal information and how we maintain the confidentiality and accuracy of such information. This policy also explains how communication of your non-public personal information can be limited and how you can verify the accuracy of information regarding your accounts with us.

Definitions of Personal Information

Non-public personal information generally means financial information that is identified with you that is not obtainable from a public source. For example, your account balance is non-public information. In contrast, the fact that you have a mortgage loan with us is public information because your deed of trust or mortgage information includes any list, description, or other grouping of customers that is created using non-public information whether or not the list also includes public information.

How We Obtain Personal Customer Information

We generally obtain personal customer information from you (for example, when you open an account with us). In the conduct of our business, we collect and maintain various types of information about our customers, including:

How We Use Your Personal Information

We use personal information only for legitimate business purposes in a manner consistent with banking practices in compliance with applicable laws and regulations.

Your non-public information may be used to:

With Unaffiliated Third Parties

We may disclose personal information to companies or entities unaffiliated with Centex Citizens such as:

  1. Third Party Services: We disclose your personal information to companies that provide check printing for checking accounts.
  2. Credit Reporting Agencies: We may disclose information relating to our attaining reports regarding your credit history information through TRW Credit Reporting.
  3. Data Processing: We may disclose your personal information to third party services providers (EDS) who process all transactions on your accounts.
  4. Legal: We sometimes may be required to disclose your personal information in order to comply with subpoenas, court orders, and legal reporting such as to the Internal Revenue Service.
  5. We may disclose your personal information to protect your accounts against fraud and unauthorized transactions. We may also disclose information to resolve customer disputes, and as necessary, to regulators, attorneys, auditors, and accountants.
  6. In no event will we disclose to an unaffiliated third party any account number or access code to any of your accounts with us for any marketing purposes without your authorization. We may disclose all of the information we collect, as described above, to companies that perform other services on our behalf so that we may provide members competitive products and services. These disclosures typically include information to process transactions on your behalf, conduct operations of the credit union, or protect the security of our financial records.

Accuracy of Customer Information

At Centex Citizens Credit Union, it is important that the information we maintain about your accounts with us is as accurate as possible. We maintain internal controls to help ensure the accuracy of such information. If you believe that any such information is inaccurate or incomplete, please contact us and we will take appropriate action to correct or amend our records.

Privacy Policy and Notice

Centex Citizens is committed to protecting the privacy of your personal information and ensuring the accuracy of such information. We collect and maintain information about you to enable us to protect the security of your accounts, conduct business in a manner consistent with federal laws and regulations, provide information and offers on products and services to meet your needs, and satisfy legal requirements.

Disclosures

Overdraft

WEBSITE PRIVACY POLICY

Our Online Privacy Practices

Keeping financial and personal information secure is one of our most important responsibilities. Centex Citizens Credit Union is committed to protecting the information of our members and other visitors who use our website. We value your trust and handle all personal information with care. As with information we collect through other means, we use the information you provide online to respond to your needs, service your accounts, and provide you with information about other services.

Secure Transmissions

To ensure information remains confidential, Centex Citizens Credit Union uses encryption technology such as Secure Socket Layer (SSL) to protect the information you enter and submit on our website.

Email Security

Regular Internet email is not secure. You should never provide information that is sensitive or confidential such as your social security number, account number, or PIN through an unsecured email. We ask that you do not send personal or account Information through regular email. Centex Citizens Credit Union provides a method of sending a secure email to the credit union by accessing our “Member Center” found by logging into Online Banking and clicking on the menu item “Member Center.”

Cookies

A cookie is a small piece of information that a website stores directly on the computer you are using. Cookies may contain a variety of information from a simple count of how often you visit a website to information which allows customization of a website for your use. Centex Citizens Credit Union uses cookies to gather data about the usage of our website and to ensure that you have access to your account information. Anytime a cookie is used, personal information is encrypted for our use only and is protected from third party access (a cookie cannot be read by a website other than the one that sets the cookie).

Linking to Other Sites

To provide you with easy access to information, Centex Citizens Credit Union may provide links to other websites such as mortgage companies, insurance companies, government agencies. These links are provided as a convenience to our members. We do not guarantee or endorse any of the content in these links, and Centex Citizens Credit Union does not represent either the third party or the member if the two enter into a transaction. The privacy and security policies on these linked websites may differ from those practiced by Centex Citizens Credit Union. We encourage you to read the privacy policies of all websites you visit, especially before providing any personal non-public information.

Warranties & Limitations of Liability

Information on this website is provided “as is” without any express or implied warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Centex Citizens Credit Union shall not be liable to any party for any direct, indirect, consequential or other damages for use of this website or other hyperlinked websites.

Site Use & Content

You may view, copy or print pages from this site solely for personal, non-commercial purposes. You may not otherwise use, modify, copy, print, display, reproduce, distribute or publish any information from this site without the express permission of Centex Citizens Credit Union. At any time, Centex Citizens Credit Union may without notice make changes to this site or to the services or products described on this site.

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