Mohawk Valley FCU Privacy & Compliance
Mohawk Valley FCU Privacy Policy
Mohawk Valley Federal Credit Union is committed to protecting the privacy of our members. Under federal law, we are required to give you 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 contact us at (315) 793-2214 or (315) 624-2950.
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, mortgage service companies, and securities broker-dealers
Non-financial companies, such as consumer reporting agencies, data processors, check/ share draft printers, financial statement publishers, retailers, plastic card processors, government agencies, and mailhouses
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 companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements 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 Mohawk Valley 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
We are committed to protecting the privacy of our members. Members can help by following these simple guidelines:
Protect your account numbers, plastic card numbers, PINs (personal identification numbers) or 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 or emails 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.
Please do not hesitate to call us you have questions-we are here to serve you!
Accessibility Statement
Mohawk Valley FCU is committed to providing a website that is accessible to the widest possible audience, regardless of technology or ability. We are actively working to increase the accessibility and usability of our website and in doing so adhere to many of the available standards and guidelines. Mohawk Valley FCU does not discriminate on the basis of religion, age, race, color, national origin, gender, marital or parental status, or disability. In order to further our commitment to nondiscrimination, we are working to ensure our site conforms to level Double-A World Wide Web Consortium (W3C) Web Content Accessibility Guidelines (WCAG) 2.2. Such guidelines detail best practices for ensuring assistive technology users can access the site. The guidelines also make the site more user friendly for all people. Should anyone find information or functionality which is inaccessible, please contact us at (315) 624-2950. We will make every reasonable effort to accommodate.
Fee Schedule
| SERVICE | FEE EFFECTIVE 04/01/2024 |
|---|---|
| Account Balancing | $10.00 |
| Account Research | $20.00/hour (min $10.00) |
| Account Verification | $10.00 |
| Check Protest | $10.00 |
| Copy of Statement | $5.00 |
| Credit Union Money Order ($.01-$500) | $1.30 |
| Credit Union Money Order ($500.01-$1000.00) | $1.75 |
| Debit Card Replacement | $5.00 |
| Dormant Account (no activity for 24 months) | $5.00 / mos. |
| Foreign Collection Item * $200.00 | $30.00 |
| Garnishment | $25.00 |
| Interim Statement (activity printout) | $2.00 |
| Late Loan Payments | $20.00 |
| Negative Fee | $30.00 |
| Overdraft covered from savings | $2.50 |
| Photocopy of check | $3.00 |
| Returned ACH | $30.00 |
| Returned Check | $30.00 |
| Rushed Debit Card Replacement | $30.00 |
| Stop Payment (Check or ACH) | $10.00 |
| Tax Levy | $25.00 |
| Temporary Checks (12) | $2.50 |
| Returned Mail (after first month) Unfounded | $5.00 / occurrence |
| Fraud Claim | $25.00 |
| Wire Transfer Incoming International | $15.00 |
| Wire Transfer Outgoing Domestic | $10.00 |
| Wire Transfer Outgoing International | $40.00 |