What You Can Do to Help Protect Your Information - We are committed to protecting your privacy. We suggest you follow these guidelines:    

 

Your Online Privacy

Links to Non-Premier America Websites - Premier America Credit Union offers links to other websites. Such sites are not within our control and may not follow the same privacy, security, or accessibility standards as ours. We neither endorse nor guarantee, nor are we responsible for the security, content or availability of their sites. You are encouraged to review the privacy policies of third parties before providing information on their sites.

Information We Gather Online - You may visit our website to find out about products and services and check rates, without giving us any information. We may use software tools and/or "cookies" to gather information about site visitors' browsing activities in order to target areas for improvement (including date and time of visits, pages viewed, time spent at the site, browser types, Internet service provider, and the site visited just before and just after our site). We may also track browsing activities of members who have accounts with Premier America Credit Union and who use online Internet Banking services. As part of our security procedures, we may use a cookie to authenticate a user's request.  

About Cookies - Cookies are small text files on your system, used to keep track of settings or data for a particular site. Web sites can use cookies to identify a returning user or to pass information between web pages in a single visit. There are two types of cookies: temporary and permanent. Temporary cookies are deleted once the browser is shut down. Permanent cookies are stored on your system and can be accessed again for multiple visits. Permanent cookies usually have an expiration date and will be automatically deleted from your system at that time. Our online Internet Banking services never pass private information through cookies. Online Internet Banking also uses a temporary session cookie, a non-persistent cookie, or a pre-expired cookie. This cookie is used as part of stringent online security measures to make sure that each is not cached or saved on your computer (each page must be retrieved from the web server). This cookie is deleted when a user logs or times out of Internet Banking or if the browser window is closed and ensures that another user on the same computer cannot access the previous user's session or information. If you use Enhanced Login Security, then Internet Banking may place a secure permanent cookie on your computer. This secure cookie is unique, and when used in combination with your login information, creates a unique way to identify you to the system. For every login attempt after you add extra security to a computer, this secure cookie is validated along with the login identification you normally enter. This secure cookie is only used to validate your identity and does not contain any personal information. Wireless Internet Banking and Bill Pay services may use permanent cookies to speedup identification of device type. This cookie does not contain any personal information.

IP Addresses - If you log on to Internet Banking, you pass through a "firewall" used for security purposes and the Internet Protocol (IP) address associated with the computer you are using may be identified. The IP address does not identify you personally. In certain instances, it may also obtain other information about your computer to better identify you as an online user. This information may be retained in case it is needed for security or protection of member information.  

How You Can Manage Your Information Online - If you are an Internet Banking user, you may access information and update some of your personal information quickly and easily online (e.g. change or reset your PIN, password, phone number or postal address, including email addresses for alert services).  

Service Providers on the Internet - Occasionally you will notice on our website that services are "Powered by" or "Provided by" content providers or technology service partners. We contract with these vendors to help serve you better. We are highly selective in choosing these companies, and they are only allowed to use member information for the purpose of providing the services contracted.  

Co-branded and Alliance Relationships - We have established relationships with other parties on the Internet. These other companies are accessed either through the use of, or by offering "co-branded" sites in which both Premier America Credit Union and the other company share the same URL, domain name or pages within a domain name on the Internet and the names or logos of both companies are displayed. Generally, we do not own the co-branded sites and therefore do not control how those companies use any information supplied to them. It's important that you review their privacy policy to understand how they manage any information you supply them. However, if you are providing us with information, we will always adhere to our Privacy Policy.  

Online Applications and Forms - To protect the information you provide us online, we use multiple levels of security. All information sent using an online application or form is encrypted using security certificates issued by VeriSign. You may communicate with us using secure email forms on the website or within Internet Banking. 

 

Email to Premier America Credit Union - If you send an email outside of the website or Internet Banking, that email is not necessarily secure against interception by unauthorized individuals. Therefore, we ask that you not send confidential account information through regular email. We will not transmit, through regular email, sensitive or personal information that can compromise or violate a user's privacy. When you send an email, your email address will be used to reply, and for a limited time your email address, your message, and response for quality assurance purposes may be stored. This may also be done to meet legal and regulatory requirements. If your email address is collected in this manner, it will not be used it to notify you about our products and services unless you have provided prior permission.  

Email from Premier America Credit Union and Your Preferences - Email is sometimes used to inform members about products, services or product enhancements that may be of interest if you have provided permission. When you provide your email address online you will have an opportunity to tell us if you do not wish to receive these messages. You will also have the opportunity to opt out of future messages on each marketing email you receive.  

Email from Other Sources - We take your email marketing preference seriously and will not send marketing messages if you tell us you do not want to receive them. Additionally, we will send you email servicing messages only when necessary or at your initiation to quickly deliver important product enrollment, account or service information potentially requiring action on your part. Rest assured, when you receive such messages, they will be clearly marked as coming from us and will not request confidential information.  

Suspicious Email - Should you receive a suspicious email that appears to be from Premier America Credit Union, please let us know by calling (800) 772-4000 or (818) 772-4000, email us using our secure email form at www.premier.org, or forward the email to HBSecurity@premier.org. You may also wish to contact your Internet Service Provider for support in blocking emails or subscribing to a spam filter.  

Account Aggregators - Many companies offer account aggregation services that collect information from your accounts and consolidate into one site. In order for this to happen, you have to provide the company with sensitive account information, personal identifiers and an access code, password or PIN. By giving up your password or PIN, you are authorizing that company to access your account. All transactions conducted by the account aggregator using an access code you provide to them are considered authorized by you.

 

Protecting Children's Privacy - We respect the privacy of children, and comply with the practices established under the Children's Online Privacy Protection Act (COPPA). We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen. For more information about COPPA please visit the Federal Trade Commission website. 

  

 

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, account balances, assets and income, payment history, electronic bills, and billing, credit history and credit scores, credit card numbers and usage, checking account information, overdraft history, current and past employers and/or financial institutions, email address, consumer purchasing and census data, data transmitted through cell phones and other mobile devices and postal address. When you are no longer a member, 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 Premier America Credit Union chooses to share; and whether you can limit this sharing.

 

 

Please note: If you are a new member, we can begin sharing your information 30 days from the date we provide this notice. When you are no longer a member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

 

Questions? - Call 800-772-4000 (or 818-772-4000) or send an email to info@premier.org

 

 

How does Premier America 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 Premier America collect my personal information? - We collect your personal information, for example, when you Open an account, make deposits or withdrawals from your account, pay your bills, apply for a loan, use your credit or debit card, make a wire transfer, show your Driver’s License, visit our web site, use our external funds transfer or bill payment services, and complete an application or form. We also collect your personal information from others, such as credit bureaus, or other companies.

 

Why can’t I limit all sharing? - Federal law gives you the right to limit only:

 

State laws and individual companies may give you additional rights to limit sharing.

 

What happens when I limit sharing for an account I hold jointly with someone else? - Your choices will apply to everyone on your account.

 

 

Affiliates - Companies related by common ownership or control. They can be financial and nonfinancial companies. Premier America Credit Union does not have any affiliates.

Nonaffiliates - Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Joint marketing - A formal agreement between nonaffiliated financial companies that together market financial products or services to you.