Privacy & Terms
Personal Privacy Protections
Marine values your privacy. While we need some of our members’ personal information to conduct business, we respect your ability to control access and use of your personal data.
New Account Opening Procedures
Marine complies with federal account opening procedures to help combat money laundering and restrict terrorism funding. To do this, we use an obtain-verify-record process:
Obtain
We ask for your name, address, date of birth and may ask for other information depending on the products or services you need.
Verify
We utilize documents and resources to verify your identity, including driver’s licenses and credit report agencies.
Record
We protect your information both physically and digitally with federally-compliant security and access management.
Privacy Policy
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 income
- Account balances and payment history
- Credit history and credit score
When you are no longer our customer, we continue to share your information as described in this notice.
View our Fee Schedule.
What does Marine Credit Union do with your personal information?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons MCU chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
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For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
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For our marketing purposes – to offer our products and services to you
For our marketing purposes – to offer our products and services to you
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For joint marketing with other financial companies
For joint marketing with other financial companies
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For our affiliates’ everyday business purposes – information about your transactions and experiences
For our affiliates’ everyday business purposes – information about your transactions and experiences
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For our affiliates’ everyday business purposes – information about your creditworthiness
For our affiliates’ everyday business purposes – information about your creditworthiness
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For our affiliates to market to you
For our affiliates to market to you
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For nonaffiliates to market to you
For nonaffiliates to market to you
Does MCU share?
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For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes
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For our marketing purposes – to offer our products and services to you
Yes
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For joint marketing with other financial companies
Yes
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For our affiliates’ everyday business purposes – information about your transactions and experiences
Yes
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For our affiliates’ everyday business purposes – information about your creditworthiness
No
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For our affiliates to market to you
No
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For nonaffiliates to market to you
No
Can you limit this sharing?
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For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
No
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For our marketing purposes – to offer our products and services to you
No
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For joint marketing with other financial companies
No
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For our affiliates’ everyday business purposes – information about your transactions and experiences
No
-
For our affiliates’ everyday business purposes – information about your creditworthiness
We Don’t Share
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For our affiliates to market to you
We Don’t Share
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For nonaffiliates to market to you
We Don’t Share
Questions? Call toll free 1-800-923-7280
Who we are
Who is providing this notice? MCU means Marine Credit Union.
What we do
How does MCU 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 MCU collect my personal information? We collect your personal information, for example, when you
- Open an account or deposit money
- Pay your bills or apply for a loan
- Use your credit or debit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit only
- Sharing your 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 laws 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.
- Marine Credit Union has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial or nonfinancial companies.
- Marine Credit Union does not share with nonaffiliates so they can market to you.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include insurance companies.