Great Erie Federal Credit Union
An important note to our members: It is the practice of Great Erie Federal Credit Union to vigorously protect our member's confidential information. Our Credit Union is committed to making available financial products and services that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with our Credit Union.
Our Credit Union will collect only the personal information that is necessary to conduct our business: That means just what is necessary to provide competitive financial products and services - no more. Our Credit Union will protect your personal information. Our Credit Union will maintain strong security controls to ensure that member information in our files and computers is protected.
Where appropriate, we will use security coding techniques to protect against unauthorized access to personal records, ensure accuracy and integrity of communications and transactions, and protect member confidentiality. You will always have access to your information. As a member of our Credit Union, you will always have the opportunity to review your information and make necessary changes to ensure that our records are complete and accurate. Our Credit Union will only share information when absolutely necessary. We will only share information to administer the products and services we provide, when required to do so by the government, or when we partner with other businesses to offer a broader array of products and services.
Maintaining the privacy of your information is how we do business unlike many financial institutions; your Credit Union exists to serve you, our member/owner through providing high-quality financial services for your benefit, not other third parties. This simple fact drives our philosophy on how we handle your financial information. Other than the third party relationships outlined above - and being subject to federal and state laws governing the release of information through court actions - you can rest assured that your Credit Union is on your side in protecting the privacy of your financial and personal information.
Our Credit Union will partner only with businesses that follow strict confidentiality requirements. The businesses we select will offer products designed to enhance our members' economic well-being. Under no circumstance will we authorize these firms to charge your account without your express consent, and we will not sell member information to telemarketing firms. Our Credit Union will offer you a choice in how your information is used.
You, as a member of Great Erie Federal Credit Union, may elect to keep your information from being shared with our business partners. If you notify us in writing or by calling 716-662-1311 during normal business hours, that you do not want your information shared, we will take all reasonable steps to make sure that your requests are followed. At least once a year, we will remind all of our members of their right to choose.
General Policy Statement:
It is the policy of Great Erie Federal Credit Union (Credit Union) to deny basic financial services and access to Credit Union facilities or events for reasons related to: (1) a member’s abusive or threatening behavior to employees; (2) causing the Credit Union a loss or frivolous expense; (3) intentionally or otherwise perpetrating real or potential fraud on the Credit Union; or (4) any other reason that poses a safety or soundness threat to the Credit Union. A member may be denied any and all services offered by the Credit Union and such services may be terminated upon notification of the member. The member may be denied access to any Credit Union facility or event upon written or oral notice to them. A member will retain the right to have a savings (share) account and the right to vote at all annual and special meetings.
1. DENIAL FOR LOSS TO THE CREDIT UNION
A. What Constitutes a Loss. This list is non-exhaustive and is used only as an example of types of behavior that may be deemed as "losses" under this policy.
i. Delinquency on a loan obligation
ii. Filing Bankruptcy
iii. Abusing Overdraft Privileges
iv. Perpetuating Fraud
5. ATM/Debit Card
6. Credit Card
v. Being Convicted of Financial Crimes
B. Services that may be Denied. All services may be denied; except the right to have a savings account and the right to vote in annual and special meetings, including but not limited to:
i. ATM and debit cards
ii. Borrowing Privileges
iii. Checking Accounts
iv. Check cashing privileges (excluding on-us items)
v. Direct Deposit
vi. Official Check Services
vii. Internet Banking
viii. ACH transactions
ix. Wire transfers
x. Club Accounts
xi. Payroll Deduction
xiii. Joint Membership
C. Notification of Denial of Services. Any denial of services must be approved by Management. The Credit Union will notify the member in writing or verbally of the denial of services and the reason(s) upon which the denial is based. If petitioned, the Credit Union will allow a member to request a reinstatement of services.
i. Members may be approved for a waiver of the Denial of Services policy by Management if they have caused a loss but are working to reaffirm their debt obligations.
D. Reinstatement & Appeal. A member seeking reinstatement of services must notify Management, or designee, in writing of the reasons for their request. Such a request may, at the discretion of Management, be supplemented by testimony either in person or in writing.
i. Management will respond to the member request within one week of receiving the appeal.
ii. This response may be received orally or in writing.
iii. In the event that the member is not satisfied with Management's decision, they may request a final review by the Board of Directors (Board).
iv. Decisions made by the Board will be final and will be recorded in the Credit Union's records.
2. DENIAL FOR ABUSIVE AND THREATENING BEHAVIOR
A. Abusive Conduct. Including but not limited to:
i. Making false, vicious, or malicious statements verbally or in writing about the Credit Union or any employee, manager, or Board member
ii. Using profane, abusive, intimidating, or threatening language verbally or in writing in any form of media toward the Credit Union or any employee, manager, Board member, or fellow member
iii. Attempting to coerce or interfere with Credit Union employees in the performance of their duties at any time
iv. Conducting or attempting to conduct or engage in any fraudulent, dishonest, or deceptive activity of any kind involving Credit Union employees or services
v. Attempting to interfere in any way with Credit Union delivery of services or information to its members
vi. Any posting, defacing, or removing notices or signs on Credit Union premises or on the Credit Union website
vii. Writing on Credit Union bulletin boards without management authorization
viii. Appropriations or misappropriation of Credit Union funds, property, or other material proprietary to Credit Union
ix. Immoral conduct or indecency on Credit Union premises
x. Deliberate or repeated violations of security procedures or safety rules
xi. Possession, use, or being under the influence of drugs or alcoholic substances on Credit Union premises
xii. Fighting or possession of weapons of any kind on Credit Union premises
xiii. Threatening the safety of employees or members, directly or indirectly through inappropriate or criminal behaviors
B. Response to Abusive Conduct. Including but not limited to:
i. Denying services (such as those mentioned above)
ii. Physical removal from Credit Union premises
iii. Restricting the member from using the lobby on Credit Union premises
iv. Restricting the member from using the drive-thru on Credit Union premises
v. Contacting law enforcement
3. NOTIFICATION TO MEMBERS OF DENIAL OF SERVICES POLICY.
The Credit Union shall notify all members of the Denial of Services Policy by providing the Policy at all facilities as well as providing a copy of the Policy to members upon request.