Privacy Policy
Important Information About the Personal Data Your Credit Union Collects, and How We Use It to Provide Products and Services to You.
To assure the continued privacy and confidentiality of your personal financial information, your credit union observes these practices and procedures:
We collect nonpublic information about you from some or all of the following sources:
- Information we receive from you on applications or other forms;
- Information about your transactions with us, our affiliates, or others; and,
- Information we receive from a consumer reporting agency.
We do not disclose any nonpublic personal information about our members and former members to affiliates or non-affiliated third parties except as permitted by law.
We restrict access to nonpublic 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.
Credit Union members and the public may receive copies of this notice of privacy practices by contacting the credit union.
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Federal Regulations limit the number of transactions which may be performed each month on your Share Savings Account because it is designated a non-transaction account. You may make no more than six covered transfers or withdrawals per calendar month or statement cycle. The Chart below explains these limitations.
Checking Accounts provide unlimited transactions. These include withdrawals, electronic payments or transfers to other accounts.
| Unlimited Transactions |
Limited to 6 per calendar month
(Any Combination) |
Withdrawal or transfer:
In person request
By automated teller machine (ATM)
By mail
To pay a HRTFCU loan
Withdrawals by check (to self)
In person request
Telephone request
TellerPhone request
Home Banking request
Fax request
|
By preauthorized transfer to a third party
By preauthorized payment to a third party (ACH)
By preauthorized transfer to member’s non-loan account
By overdraft to checking account
Transfers through home banking
Transfers through TellerPhone
Transfers through a telephone call to HRTFCU, by fax or by e-mail |
*A fee of $5.00 per transfer is charged for automatic overdrafts from savings to checking. All subsequent overdrafts in excess of the (6) allowed will be returned for reason of Not Sufficient Funds (NSF).
Helpful Tip: If you set up automatic debits to your account make sure to arrange to have those funds deducted from your checking account which allows for unlimited ACH withdrawals.
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