Privacy Policy

Facts

WHAT DOES ABNB FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

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 account balances Account transactions and credit scores Employment information and payment history
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 ABNB Federal Credit Union chooses to share; and whether you can limit this sharing.

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 account balances
Account transactions and credit scores
Employment information and payment history

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 ABNB Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does ABNB Federal Credit Union share?	Can you limit this sharing?
For our everyday business purposes- such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus	Yes	No
For our marketing purposes- to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes- information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes- information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	No	We don't share

To limit our sharing

Call 757.523.5300 - our menu will prompt you through your choice(s) or
Visit us online: www.abnbfcu.org

Please note:

If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our 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 757.523.5300 or go to www.abnbfcu.org.

What we do

How does ABNB Federal Credit Union 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 ABNB Federal Credit Union collect my personal information?	We collect your personal information, for example, when you open an account or use your credit or debit card show your government-issued ID or apply for financing give us your contact information 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 for 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 law 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.

Definitions

Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include financial companies, such as CUSO Financial Services; nonfinancial companies, such as Priority Title & Escrow; and others, such as Member's Assurance Property & Casualty, LLC.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. ABNB Federal Credit Union does not share with our 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 advertising/marketing agencies, credit card companies, loan recapture programs, financial advisors and insurance companies.

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Our affiliates include financial companies, such as CUSO Financial Services; nonfinancial companies, such as Priority Title & Escrow; and others, such as Member's Assurance Property & Casualty, LLC.

Nonaffiliates

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

ABNB Federal Credit Union does not share with our 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 advertising/marketing agencies, credit card companies, loan recapture programs, financial advisors and insurance companies.

Access to Contacts

With permission, local device contact emails and mobile phone numbers are compared to the Zelle network directory. The system tags contacts that match an enrolled token with a Z logo. Contacts that are not yet Zelle recipients of the end user will be listed in a new My Zelle Ready Contacts section of the selected recipient page.

Information Collected while Using the Application

While using Zelle®, to use the QR Code feature, with your prior permission, ABNB Federal Credit Union may collect or access pictures and other information from your device's Contacts, Camera, and Photos.

Any information collected is used to provide features of the Zelle® service and/or to improve and customize the user experience. The information may be uploaded to our servers or it may be simply stored on your device.

You can enable or disable access to this information at any time, through your device settings.

Rev. 6/21

Online Banking