Legal

Privacy Policy

What Morris Sheppard Texarkana Federal Credit Union does with your personal information.

Facts

What does Morris Sheppard Texarkana 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 income
Account balances and payment history
Credit history and credit scores

When you are no longer our 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 Morris Sheppard Texarkana Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Morris Sheppard Texarkana FCU 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 report to credit bureaus

Yes

For our marketing purposes — to offer our products and services to you

We don't share

For joint marketing with other financial companies

We don't share

For our affiliates' everyday business purposes — information about your transactions and experiences

We don't share

For our affiliates' everyday business purposes — information about your creditworthiness

We don't share

For nonaffiliates to market to you

We don't share

Questions?

Call (903) 798-3918, visit www.morrissheppardfcu.org, email us at [email protected], or write to us at: Morris Sheppard Texarkana FCU, 419 W 4th St, Texarkana, TX 75501.

Who We Are

Who is providing this notice?Morris Sheppard Texarkana Federal Credit Union

What We Do

How does Morris Sheppard Texarkana 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 Morris Sheppard Texarkana Federal Credit Union collect my personal information?We collect your personal information, for example, when you open an account or apply for a loan, apply for any credit union service, visit our website or provide information on any online application or transaction, use your debit card, or make deposits to or withdrawals from your accounts. We also collect your personal information from others, including credit bureaus 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; and sharing for nonaffiliates to market to you.

Definitions

AffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies. We do not have any affiliates.

NonaffiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies. Morris Sheppard Texarkana Federal Credit Union does not share information with nonaffiliates for them to market to you.

Joint marketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you. We do not share member information to outside marketing firms.