All agreements and disclosures shall be construed in accordance with the provisions of the California Uniform Commercial Code (UCC). Share “savings” accounts, share draft “checking” accounts and term certificate accounts are subject to the requirements below and such other terms and conditions as established by the Board of Directors and as contained in the account agreements.
Please note this agreement contains a binding individual arbitration provision and jury and class action waiver which affects your rights with respect to any claims or disputes by or against the Credit Union. You may opt out of that provision as described below.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information identifying each person who opens an account.
What this means for our members
When you open an account, we will ask for your name, address, date of birth, and other information allowing us to identify you. We may also ask to see your driver’s license or other identifying objects.
Please read this provision carefully. It affects your rights and may have a substantial impact on how legal claims you and we have against each other are resolved if you do not opt-out as permitted below.
SCE Federal Credit Union’s savings accounts let you deposit your money in a savings account and withdraw your money generally at any time. Our savings accounts are the Savings Account, No Dividend Savings, Youth Savings, Money Market Account, Super Saver, Youth Super Saver, Vacation Club, Holiday Club and IRA Accounts.
Rate information
Our savings accounts are designated variable rate accounts. These rates and yields may change at any time at the Credit Union’s discretion. Current rates are posted on our Deposit Rates webpage.
SCE Federal Credit Union’s checking accounts let you withdraw your money and write checks against your account at any time. Our checking accounts are the Free Checking Account, Teen Checking, Fresh Start Checking, Rewards Checking, Checkless Checking, and Health Savings Checking Account.
SCE Federal Credit Union’s term certificate accounts let you deposit your money for a specified period of time. Our term certificate accounts are the Term Certificates, Roth IRA Term Certificates, Coverdell Education Savings Term Certificates, and IRA Term Certificates.
Annual Percentage Yield
The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. If you make a withdrawal from your account, your earnings will be reduced.
Maturity
Your account will mature as reflected within our Deposit Rates. The maturity date will be stated on the certificate or receipt provided to you at the time of opening your account.
Rate information
Our term certificates are designated fixed rate accounts within our Fees & Charges. You will be paid these rates and yields until maturity.
Minimum balance and deposit requirements
You must maintain a minimum balance of $1,000 in your term certificate account to obtain the Annual Percentage Yield stated within our Deposit Rates and to avoid closure.
Renewal of account/grace period
Your account will automatically renew at maturity for the same time period as the original term at the prevailing rate unless you withdraw all of the funds in your account at maturity or within a grace period of 10 days after maturity.
Account limitations
You may not make deposits into this account until the maturity date. See Early Withdrawal Penalties. You may make withdrawals of dividends from your account at any time.
Early withdrawal penalty
We may impose a penalty if you withdraw any of the funds from your account before the maturity date. The penalty imposed shall be as follows:
Exceptions to penalties
The penalties stated below will not apply if:
Incorporation of IRA Agreement & Disclosures
All other terms and disclosures for our Individual Retirement Accounts are contained in the Credit Union’s Individual Retirement Account Agreement & Disclosure statement, which by this reference is incorporated into this account disclosure in its entirety. When you open your Individual Retirement Account, the Credit Union agreement and disclosure statement will be provided to you.
This EFT Disclosure & Agreement as amended from time to time (agreement) sets forth the terms and conditions governing the use of the SCE Federal Credit Union electronic transfer services. Disclosure information that applies to all electronic services offered by SCE Federal Credit Union is given below, followed by specific disclosure information for each service. SCE Federal Credit Union may also provide remittance transfers (defined by Regulation E, Subpart B, as an electronic transfer of funds of more than $15, which is requested by a sender and sent to a designated recipient in a foreign country by a remittance transfer provider). The terms and conditions for such electronic transfers will be disclosed to you separately when you receive those services, and may differ from the terms and conditions disclosed herein. As applicable and to the extent not in conflict with such separately provided disclosures, the terms and conditions herein shall apply to remittance transfers that also meet the definition of an electronic fund transfer under Regulation E, subpart A. This agreement takes the place of all prior agreements and disclosures governing the use of all electronic services. By retaining, using, or allowing others to use the electronic services offered by SCE Federal Credit Union, you are agreeing to be bound by the terms and conditions of this agreement. In this agreement, the term “you” and “your(s)” refer to the member, and the terms “we,” “us” and “our(s)” refer to SCE Federal Credit Union.
Personal identification number
The Credit Union will issue you a Personal Identification Number (PIN) that must be used with the ATM/Debit Card for transactions that require the use of a PIN. This number should be memorized. Do not write it on your ATM/Debit Card or where it is easily accessible by others. After memorizing your PIN, you should destroy the notice disclosing your PIN in a secure manner. If you forget, misplace or otherwise disclose your PIN, contact the Credit Union and we will issue you a new one.
Right to receive documentation of transactions
You will get a monthly account statement reflecting all of your transactions unless there is no activity in a particular month. In any case you will get the statement at least quarterly. Depending on the terminal, or if the transaction is $15 or less, you may receive a receipt at the time you make a transaction at a terminal. If you do receive a receipt, retain the receipt to compare with your monthly statement from the Credit Union.
Your liability for lost, stolen or unauthorized transactions involving automated teller machine (ATM) cards
Tell us at once if you believe your ATM/Debit Card and/or Personal Identification Number (PIN) has been lost or stolen, or if you believe an electronic transfer has been made without your permission using information from your check. Calling is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit, if you have one with us). If you tell us within two business days, you can lose no more than $50 if someone used your ATM/Debit Card or PIN without your permission. If you do not tell us within two business days after you learn of the loss or theft of your ATM/Debit Card or PIN, and we can prove we could have stopped someone from using your ATM/Debit Card or PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. If you have authorized someone else to use the ATM/Debit Card and/or PIN, you are responsible for all transactions that person or persons initiates at any time, even if the amount or transactions exceed what you may have authorized.
Your liability for lost, stolen or unauthorized transactions involving Visa Debit Card
Tell us at once if you believe your Debit Card and/or Personal Identification Number (PIN) has been lost or stolen or if your statement shows an electronic fund transfer has been made without your permission using information from your check. Calling is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit if you have one with us). If you tell us within 60 days of our sending your statement, you can lose no more than $50 if someone used your debit card without your permission. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the close of the 60 days and before notice to us. If your delay in notifying us was due to extenuating circumstances beyond your reasonable control, including extended travel, you or a member of your family’s serious illness or death, hospitalization, permanent mental impairment or serious physical impairment, unless the circumstance did not reasonably contribute to your delay in notifying us within the 60-day period, we will extend the 60-day period by a reasonable period.
Special notice to Visa Debit cardholders
If there is an unauthorized use of your Visa Debit Card or a Plus network or Interlink transaction, and the transaction takes place on the Visa network, then your liability will be $0. This provision limiting your liability does not apply to Visa Corporate Card transactions, Visa Purchasing Card transactions, anonymous Visa Prepaid Card transactions, ATM cash disbursements processed on non-Visa or non-Plus networks, or non-Visa PIN-less debit transactions. Additionally, your liability with respect to unauthorized transactions may be greater than the above $0 liability limit, to the extent allowed under applicable law, if the Credit Union reasonably determines, based on substantial evidence, you were negligent or fraudulent in the handling of your account or card. In any case, to minimize your potential liability you should notify us of any unauthorized use no later than 60 days after your statement was mailed to you.
How to notify the Credit Union in the event of an unauthorized transaction
If you believe your ATM/Debit Card or PIN has been lost or stolen, or someone has transferred or may transfer money from your account without your permission, call 800.866.6474 or Contact Us through our website. You should also contact us if you believe a transfer has been made using information from your check without your permission.
Business days
Our business days are Monday through Friday, excluding holidays.
Our liability for failure to make transfers
If we do not complete a transaction to or from your savings or checking account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance, if:
There may be other exceptions not specifically mentioned above.
In case of errors or questions about your electronic transfers
Call 800.866.6474 or Contact Us through our website as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared.
If you tell us orally, we may require you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so you will have the use of the money during the time it takes us to complete our investigation. (If the error you assert is an unauthorized Visa transaction, other than a cash disbursement at an ATM, we will credit your account within 5 business days unless we determine the circumstances or your account history warrant a delay, in which case you will receive credit within 10 business days.) If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.
For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.
We will tell you the results within three business days after completing our investigation. If we decide there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation.
Charges
In order to obtain the electronic services listed, you must open and maintain a savings or checking account. All charges associated with our electronic fund transactions are disclosed within our Fees & Charges.
Disclosure of account information to third parties
We will disclose information to third parties about your account or the transfers you make:
Address change
Keep the Credit Union informed of your current address to insure correct mailing of monthly statements. If we do not have your current address on file, you will be assessed the fee as stated within our Fees & Charges. If you have elected to receive statements electronically, it is also your responsibility to keep the Credit Union informed of your current email address.
Amendments
The Credit Union may change the terms and conditions of this agreement from time to time by mailing written notice to your address as it appears on our records. If any change results in greater cost or liability to you or decreases access to your accounts, you will be given at least 21 days prior notice of the change. Prior notice may not be given where an immediate change in terms or conditions is necessary to maintain the integrity of the system and/or the security of ATM cards, debit cards or designated accounts.
Termination
You may terminate this agreement with us at any time. The Credit Union reserves the right to terminate this agreement and/or your use of your ATM/debit card or PIN with or without cause. We may do so immediately if:
Additional benefits/card enhancements
The Credit Union may from time to time offer additional services to your account. Some may be at no additional cost to you and others may involve a specified fee. You understand the Credit Union is not obligated to offer such services and may withdraw or change them at any time.
Waiver of rights
The Credit Union can delay enforcing any of the provisions under this agreement or the law any number of times without losing its right to enforce them at a later date.
Other agreements
Except as stated otherwise in the agreement, this agreement does not alter or amend any of the terms or conditions of any other agreement you may have with the Credit Union.
Severability
If any part of this agreement should be held to be unenforceable, the remaining provisions of this agreement shall remain in full force and effect.
Who is bound by this agreement
Each person who signs the application agrees to be bound by the terms and conditions of this agreement. If more than one person signs the application, all signers are jointly and severally liable. The Credit Union can waive or delay enforcement of its rights as to one signer without affecting its ability to enforce its rights as to the other signers. The agreement is also binding upon your heirs, personal representatives and successors.
Signatures
By using your access to the system, or authorizing anyone else to use your access to the system, and/or by signing the application, you agree to be bound by the terms and conditions of this Agreement & Disclosure.
Our policy is to delay the availability of funds you deposit in your account. During the delay, you may not withdraw the funds in cash and we will not use the funds to pay checks you have written.
Determining the availability of a deposit
The length of the delay is counted in business days from the day of your deposit. Every day is a business day except Saturdays, Sundays, and federal holidays. If you make a deposit prior to the close of business on a business day we are open, we will consider that day to be the day of your deposit. A 24-hour hold will be placed on the deposit, if deemed necessary, a longer hold will apply.
However, if you make a deposit after the close of business or on a day we are not open, we will consider the deposit was made on the next business day we are open. A 24-hour hold will be placed on the deposit, if deemed necessary, a longer hold will apply. All deposits made at a non-proprietary (not owned by the Credit Union) ATM will be made available for withdrawal by the fifth business day following the banking day of deposit. The length of the delay varies depending on the type of deposit and is explained below.
Same-day availability
Funds from electronic direct deposits to your account will be available on the day we receive the deposit.
Next-day availability
Funds from the following deposits are available on the first business day after the day of your deposit:
If you make the deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit:
If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second business day after the day of your deposit.
Other check deposits
Funds from other check deposits will not be available until the second (2nd) business day after the day of your deposit. The first $225 of your deposits, however, will be made available on the first business day.
Longer delays may apply
Funds you deposit by check may be delayed for a longer period under the following circumstances:
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.
Special rules for new accounts
If you are a new member, the following special rules will apply during the first 30 days your account is open.
Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, federal, state and local government checks and United State Postal money orders will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit.
Funds from all other check deposits will be available on the 9th business day after the day of your deposit.
Deposits at automated teller machines (ATMs)
Funds from any deposits (cash or checks) made at ATMs we do not own or operate may not be available until the fifth business day after the day of your deposit. This rule does not apply at ATMs that we own or operate.
Important notice about your account(s) or safe deposit box – California residents
In accordance with California’s Unclaimed Property Law, C.C.P. §1500, et seq., any funds held by the Credit Union (including, without limitation, funds in a share, share draft, certificate, or other account, sums for the payment of cashier’s checks, teller’s checks, etc.) may be transferred to the Unclaimed Property Division of the California State Controller’s Office if no activity occurs in the account within the time period specified by state law. In addition, any property held in a Credit Union safe deposit box may be transferred upon the running of the time period specified by state law from the date any lease or rental period expires or any agreement for the safe deposit box terminates. We may assess a fee for sending you notice regarding your unclaimed property as set forth in our Fee Schedule.
Important notice about your account(s) or safe deposit box – Nevada residents
The holder(s) of this account shall inform the Credit Union of any change in their address(es). The shares and accumulated dividends earned thereon will escheat to the Office of the State Treasurer if, for a period of three (3) years:
In addition, any property held in a Credit Union safe deposit box may be transferred upon the running of the time period specified by state law from the date any lease or rental period expires or any agreement for the safe deposit box terminates.
Definitions
Membership application
The terms, conditions and information contained in the Membership Application, and all amendments thereto, are by this reference hereby incorporated in their entirety into this TIS Agreement and become an integral part of the General Terms & Conditions of the Credit Union accounts.
Account ownership
The ownership of trust, Totten trust and UTMA accounts shall be governed by the applicable Account Agreement. Unless otherwise specified in the Account Agreement, the parties who sign an Account Agreement agree with each other and with the Credit Union that all funds in the accounts shall be owned as follows:
Special rules for Joint Accounts
Withdrawals by and liability of Joint Owners – The Accountholders of an account agree with each other and with the Credit Union that all funds and all accumulations thereon are and will be owned by all Accountholders jointly and equally regardless of their net contributions and are subject to the withdrawal of or receipt by any of the Accountholders, and payment to any of them shall be valid and discharge the Credit Union from any and all liability for such payment. The Accountholders of an account expressly agree each Accountholder is jointly and severally liable for any and all overdrafts, losses or charges to an account created by any Accountholder(s).
Deposits – The Credit Union may cash or deposit all checks payable to any signer when endorsed by any other signer.
Disputes – If there is a dispute about ownership or control of an account, the Credit Union may place a hold on the account and not release funds until the Credit Union receives either a court order or an instruction signed by all persons claiming an interest in the account.
Special rules for Minor Accounts
Minor Accounts are joint accounts owned by the minor and a joint account owner who is at least 18 years of age. The adult joint account owner must be an existing member in good standing. Good standing is defined as a member who maintained an active account with a positive account history for the preceding six months regardless of when the account was opened. The Credit Union may complete transactions that may include payments of funds directly to the minor without regard to his or her minority. The Credit Union has no duty to inquire about the use or purpose of any transaction by the minor or joint owner. The Credit Union will not honor any transaction request by a parent or guardian who is not a joint account owner. In order for the minor to be allowed to make debits or withdrawals from the account, the minor must be issued a debit card and the joint owner must authorize a withdrawal amount limit. Once the minor reaches the age of majority, this restriction will be lifted.
Changes in Terms & Conditions
The use of an account is subject to such other terms, conditions and requirements as the Credit Union may establish from time to time. The Credit Union has the right to change the terms and conditions of this Agreement at any time, in any manner, and for any reason. We may delete or modify existing terms. We may add new terms without regard to whether the matter is already addressed by this Agreement. We may offer new or different services at any time, and may convert an existing account or service into a new account or service. We will generally notify you in advance of changes by sending written notice to your address as it appears on our records. However, we may make changes without sending you advance notice, unless such notice is required by law. By continuing to use or keep your account open, you will be deemed to accept and agree to any such changes in terms.
Order of posting; understanding your available and actual balance
Order of Posting: The order in which items are paid is important if there is not enough money in your account to pay all of the items presented. We will pay checks, automated debits (ACH), debit card transactions, ATM withdrawals and point-of-sale transactions in the order presented for payment to the Credit Union.
The Credit Union reserves the right to adjust the above processing times in its sole discretion.
Actual and Available Balances: To properly manage the money in your account and avoid Courtesy Pay (overdraft) and Non-sufficient Fund Fees (NSF), it is important that you understand the difference between your “actual balance” and your “available balance” Your “actual balance” is updated throughout the day as transactions are posted to your account. The actual balance will not reflect or include any pending, un-posted authorized transactions, merchant holds. Your “available balance” is the amount in your account at a particular time that is available for immediate withdrawal. Your available balance is updated throughout the day to reflect merchant holds and pending debit transactions. The difference between your actual balance and your available balance is the result of pending activity that has not yet posted to the account (for example, any “pending” debit card merchant withdrawals authorized for payment and deposits that have a hold and are not available for immediate withdrawal). We will use the “available balance” in your account to determine if you have sufficient funds to cover your transactions. You can determine your available balance at the ATM, by phone or by accessing your account with Digital Banking.
You understand you may be overdrawn even when your actual balance is positive. You also understand that you may still overdraw your account even though the available balance appears to show there are sufficient funds to cover a transaction that you wish to make because your available balance will not reflect all of your outstanding checks, automatic bill payments or recent deposits. In addition, a debit card transaction may cause your account to be overdrawn if the available balance is not sufficient at the time of posting even if the available balance was sufficient at the time it was authorized. Also note, your available balance may not reflect all of your pending debit card transactions if an authorization hold is released prior to the transaction being presented for payment. For example, if a merchant obtains your prior authorization but does not submit a one-time debit card transaction for payment within two (2) business days of authorization (or for up to thirty (30) business days for certain types of debit card transactions), we are required to release the authorization hold on the transaction. The available balance will not reflect this transaction once the hold has been released until the transaction has been received by us and paid from your account. You must keep careful records and practice good account management to avoid making transactions without sufficient funds available for withdrawal. For additional details on the availability of your funds for withdrawal, see the section entitled “Your Ability to Withdraw Funds.” If you have additional questions about your available or actual balance, please see a branch representative or call 800.866.6474.
Example 1: If you write a check for $25 but it has not yet cleared your account, your available balance will be $25 less than what is reflected by your actual balance.
Example 2: If you authorize a debit card transaction for $30 but it has not yet posted to your account, your available balance will be $30 less than what is reflected by your actual balance.
Example 3: The following transactions are not reflected in your available balance:
Authorization holds for debit card transactions
When you make a purchase with your Debit Card without entering your PIN, the merchant or other payee may seek our prior authorization and guarantee of payment for the transaction. If we authorize the transaction, we place a temporary hold for the authorized amount in the account linked to your Debit Card. We refer to this temporary hold as an “authorization hold,” and the amount of the authorization hold will be subtracted from your available balance (generally in real time as transactions are received by us throughout each day). The Credit Union will not authorize everyday Debit Card transaction amounts that exceed your current available balance unless you have asked us to do so.
The amount of an authorization hold may differ from the actual transaction amount because the actual transaction amount may not yet be known to the merchant when the authorization request is submitted. Examples include, at-the-pump fuel purchases where the authorization occurs prior to fuel being pumped, restaurant purchases where the authorization occurs prior to the addition of a gratuity, or hotel or rental car transactions where the authorization is for an estimated amount prior to check-out. For those transactions, there may be no authorization hold, or the amount of the authorization hold may be different from the transaction amount. In some other cases we may not receive an authorization request from the merchant, and there will be no authorization hold reflected in your available balance.
We place authorization holds for up to two (2) business days (or for up to thirty (30) business days for certain types of Debit Card transactions) from the time of the authorization. If the transaction is not submitted for payment by the merchant within the specified time period, we must release the authorization hold, which will increase your available balance until the transaction is submitted for payment by the merchant and it is posted to your account. We urge you to record and track all of your transactions closely to confirm that you will not overdraw your account by spending funds that are not available to you.
Overdrafts
The Credit Union is under no obligation to pay an item (such as a check, ACH, ATM and Debit Card transactions) which exceeds the available balance in an account; the Credit Union may, however, pay an item and recover or obtain a refund of the amount of the resulting overdraft plus a fee, (see our Fees & Charges) from any of the accountholders of this account, each of whom expressly agrees that each accountholder is jointly and severally liable for any and all overdrafts of this account and any and all associated costs created by any accountholder. When an item is returned unpaid due to insufficient available funds and not covered by the Courtesy Pay Program (see For Checking Accounts with Courtesy Pay), or when an authorized debit card transaction is paid that exceeds your available balance, including your Courtesy Pay limit if applicable, at the time it is presented for payment, you will be charged a Non-Sufficient Funds (NSF) fee, as stated in our Fees & Charges.
Notice
Notice to one accountholder shall constitute notice to all persons authorized to have access to the account.
Ability to pledge funds
Any or all of the joint accountholders may pledge all or any part of the funds as security for a loan or loans with the Credit Union only.
Financial abuse reporting
Accountholder(s) understand(s) and agree(s) that the Credit Union may report known or suspected illegal or fraudulent activity including, but not limited to, the following:
to appropriate law enforcement or government entities, as required or permitted by law. In addition, the Credit Union reserves the right to suspend, restrict, deny or terminate account services and activity, including the placement of an administrative hold (freeze) on account proceeds, or take such other actions as deemed necessary under the circumstances. Accountholder(s) agree(s) to indemnify and hold the credit union harmless from and against all claims, actions, damages, losses, and expenses, including attorneys’ fees, as a result of any action or inaction taken in relation to the matters described here.
Enforcement of liens
All funds in an account remain subject to any and all liens, including but not limited to statutory liens and/or consensual liens, security interests, rights of offset and charges, notwithstanding the source of the contribution.
Notification of changes
Each accountholder agrees to promptly notify us in writing of any change in address(es). If you fail to do so, we may send notices, statements or other important information to the address shown in our records and you agree to release us from any liability for doing so. You also agree to notify us in writing of any change in ownership or authorized signers, or if an owner or authorized signer dies or is placed under legal guardianship or conservatorship. We may, at our option, require a new Account Agreement to be completed before any such change takes effect. Any such changes shall not affect transactions previously made.
Consent to contact
You agree we and/or our third-party debt collectors may contact you by phone or text message at any phone number associated with your account, including mobile numbers (i.e., cellphone numbers) which could result in charges to you, in order to service your account, prevent fraud or collect any amounts owed to us, excluding any contacts for advertising and telemarketing purposes as prescribed by law. You further agree methods of contact may include use of prerecorded or artificial voice messages, and/or use of an automatic dialing device. You may withdraw the consent to be contacted at your mobile phone number(s) at any time by calling 800.866.6474, Contact Us through our website or by any other reasonable means. If you have provided or provide a mobile number(s) to us in connection with your accounts, or any of them, you represent and agree you are the wireless subscriber or customary user with respect to the mobile number(s) provided and have the authority to give this consent. Furthermore, you agree to notify us of any change to the mobile number(s) which you provide to us. You agree to indemnify us and our third-party debt collectors, and hold us and our third-party debt collectors harmless, from and against any and all losses, claims, damages, liabilities, costs or expenses (including any attorneys’ fees) that arise out your breach of any of the foregoing representations and agreements.
Waiver of certain rights
The Credit Union reserves the right to waive the enforcement of any of the provisions of this TIS Agreement with respect to any transaction or series of transactions. Any such waiver will not affect the right of the Credit Union to enforce any of its rights with respect to later transactions and is not sufficient to modify the terms and conditions of this TIS Agreement.
Consumer reports
The Credit Union makes credit available to its members on a regular basis. The applicant(s)/accountholder(s) of the account authorizes the Credit Union to obtain consumer reports in connection with credit and business transactions involving the applicant(s)/accountholder(s), including but not limited to applying for membership, the opening of a savings or share/draft account or the issuance of an ATM Card, Debit Card, or other service provided by the Credit Union, and the applicant(s)/accountholder(s) of the account authorize any person, association, or corporation to furnish on request of this Credit Union, information concerning the affairs of the applicant(s)/accountholder(s). The applicant(s)/accountholder(s) also authorizes the Credit Union to furnish information concerning the account to consumer reporting agencies.
Negative credit reporting
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
Reporting inaccurate information
If you believe the Credit Union is reporting inaccurate information to a credit reporting agency, please Contact Us through our website.
Post-dated checks
The Credit Union will treat all checks as though the checks were written on the date presented.
Examination of statements
The accountholder(s) to whom the periodic statement of account is sent agree(s) to exercise reasonable care and promptness in examining the statement to discover any errors or discrepancies, and to promptly notify the Credit Union after discovery thereof.
Non-cash payments
Non-cash payments deposited into an account may be credited subject to final payment.
Fees and charges
All accounts shall be subject to service charges in accordance with fee schedules adopted by the Credit Union as amended from time to time.
Attorneys’ fees
You agree to pay the Credit Union all of our costs and reasonable attorneys’ fees, including all collection costs, litigation costs, skip-tracing fees, and outside services fees incurred while we are enforcing our rights under this Agreement.
Credit Union’s right to offset
Accountholder(s) agrees that the Credit Union has the right to offset against any account of any accountholder to cover any amount owing to the Credit Union for any reason. Accountholder(s) understand that this means that the Credit Union has the right to impress and enforce a statutory lien against the accountholder(s’)’s shares and dividends in the event of the failure of the accountholder(s) to satisfy any financial obligation due and payable to the Credit Union. Accountholder(s) understand that the Credit Union may enforce this right without further notice.
The above-described right to offset shall not apply with respect to any written trust instrument or custodial agreement created or organized in the United States and forming part of a tax-advantaged savings plan which qualifies or qualified for specific tax treatment under sections 223, 401(d), 408, 408A and 530 of the Internal Revenue Code (26 U.S.C. 223, 401(d), 408, 408A and 530).
Governing law
This TIS Agreement shall be construed in accordance with the laws of the State of California, including the Uniform Commercial Code (UCC).
Copyright 2006-2023 Simply Legal. All Rights Reserved. (3/23)
The Electronic Signatures in Global and National Commerce Act (E-Sign Act) allows SCE FCU to provide you with documents or communications in electronic form rather than on paper if you consent after we have provided you with the following information.
By clicking the “I Agree” button and completing the online membership application, you agree you have reviewed the applicable disclosures and provide consent to conduct business with SCE Federal Credit Union using electronic communications.
You consent to receive the following information electronically, rather than by postal mail or in person:
If you do not agree or consent to receiving an electronic copy of the related account disclosures, agreements and instructions, we will not be able to open the deposit account(s) online. Instead, you may visit any of our branches to open an account.
Your consent to receive documents or communications electronically applies only to communication pertaining to your request for membership and your new account application.
Note: Consenting to receive documents or communications electronically under this E-Sign Disclosure and Consent does not authorize electronic delivery of periodic statements. You must agree to the E-Sign Disclosure and Consent for eStatements in Online or Mobile Banking to receive periodic statements electronically.
All documents or communications may be viewed electronically on this website and saved by:
In addition, we may deliver documents or communications to you by sending the document or communication to an email address you have provided us; or to the extent permissible by law, by providing access to a website we will generally designate in advance for such purpose; or any other electronic means we have mutually agreed upon. Delivery of electronic documents or communications by any of these methods will be considered “in writing” and have the same legal effect as written paper documents or communications.
You may obtain a copy of any document or communication in paper form in addition to your access to the document or communication in electronic form at any time upon request.
To receive a paper copy of any document or communication, you may call us at 800.866.6474 or write to us at PO Box 8017, El Monte CA 91734. The copy request must contain your account number, name, contact phone number and a description of the document or communication requested and must be signed by you. You will not be charged a copy fee for any document or communication.
SCE Federal Credit Union may always, in our sole discretion, provide you with any documents or communication via paper, even if you have chosen to receive it electronically.
In order to receive and save any document or communication electronically, you must have:
To print and save your document or communication in electronic form using your computer, you will need:
To print and save your document or communication in electronic form using your mobile or electronic device, you will need:
You will be notified of any changes to the hardware and/or software requirements that may create a material risk you will not be able to receive, view, print or save a document or communication.
You are responsible for informing SCE Federal Credit Union of any change in your email address or mobile phone number. You can update your contact information by calling us at 800.866.6474.
| FACTS | WHAT DOES SCE FEDERAL CREDIT UNION (SCE FCU) 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 how we handle user privacy. |
| What? | The types of personal information we collect and share depend on the product or services you have with us. This information can include:
|
| 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 SCE FCU chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does SCE 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 | No |
| For our marketing purposes – to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | 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 | No | No |
| For our affiliates to market to you | No | No |
| For nonaffiliates to market to you | No | No |
| Questions? | Call 800.866.6474 or send us an email. |
|---|
| What we do | |
|---|---|
| How does SCE FCU protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. The measures include computer safeguards and secured files and buildings. |
| How does SCE FCU collect my personal information? | We collect your personal information, for example, when you
|
| Why can’t I limit all sharing? | Federal law gives you the right to limit only
|
| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. SCE FCU’s affiliates include financial companies such as Community Mortgage Funding and Member Advantage Insurance Services. |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. SCE FCU 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. SCE FCU does not jointly market. |
Last updated June 30, 2023
If you are a California resident, you have the following rights under the CCPA:
However, as a financial institution, the CCPA is not applicable if the information we collect, share, or sell is subject to the federal Gramm-Leach-Bliley Act and its implementing regulations and/or the California Financial Information Privacy Act. Generally speaking, this means we are not required to comply with the CCPA if the information we collected is information that:
Nevertheless, the Credit Union takes the privacy and security of your personal information seriously and, even though the CCPA may not be applicable to us in most cases, we will honor your rights described in this CCPA Privacy Policy except in the event of a conflict with applicable state or federal law, another exception to the CCPA applies, or complying with your request would be impossible or require disproportionate effort.
| Category | Examples | Collected? | |
|---|---|---|---|
| 1 | Identifies | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, or other similar identifiers | Yes |
| 2 | Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)) | A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. | Yes |
| 3 | Protected classification characteristics under California or federal law| Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). | Yes | |
| 4 | Commercial information | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | Yes |
| 5 | Biometric information | Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. | Yes |
| 6 | Internet or other similar network activity | Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. | Yes |
| 7 | Geolocation data | Physical location or movements. | Yes |
| 8 | Sensory data | Audio, electronic, visual, thermal, olfactory, or similar information. | Yes |
| 9 | Professional or employment-related information | Current or past job history or performance evaluations. | Yes |
| 10 | Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)) | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. | No |
| 11 | Inferences drawn from other personal information | Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | No |
We obtain the categories of personal information listed in the Table above from the following categories of sources:
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing notice.
Please note the CCPA defines “selling” and “sharing” personal information differently than you might expect. Under the CCPA, (1) “selling” and “sharing” personal information means selling or sharing personal information to a “third party” and (2) the term “third party” does not include our service providers or contractors when we have a written contract in place with such service providers or contractors that meet certain requirements set forth in the CCPA. This means our service providers and contractors are not considered “third parties” for CCPA purposes.
With the above in mind, we have not sold or shared consumers’ personal information with third parties (other than our service providers or contractors) in the previous 12 months.
We have not disclosed consumer’s personal information to third parties (other than our service providers or contractors) for a business purpose in the preceding 12 months.
We have no actual knowledge that we sell or share the personal information of consumers under 16 years of age. The Credit Union does not use or disclose sensitive personal information for purposes other than specified in Section 7027(m) of the CCPA Regulations.
We, or our service providers, and other companies we work with may deploy and use cookies, web beacons, local shared objects and other tracking technologies for various purposes, such as fraud prevention and to promote our products and services to you. Some of these tracking tools may detect characteristics or settings of the specific device you use to access our online services.
“Cookies” are pieces of information that are stored directly on your computer, smartphone, or other internet access device. Browser cookies are assigned by a web server to the browser on your device. When you return to a Website you have visited before, your browser gives this data back to the server. When you visit our Website, we may use cookies and information gathered through your use to personalize your experience with us based on the products, services, and other interactions you have with us. Information gathered through the use of cookies may be used to make offers to you via online ads, email, U.S. mail, or telephone, subject to the privacy preferences you have on file with SCE FCU. Cookies we use do not contain or capture unencrypted personal information.
The browsers of most computers, smartphones, and other internet access devices are set up to accept cookies. You can refuse to accept these cookies through your browser settings. You will need to manage your cookie settings for each device and browser you use. If you choose to reject cookies, you may not be able to use the full functionality of our Website. For example, if we are not able to recognize your device, you will need to answer a challenge question each time you log on. You also may not receive customized advertising or other offers from us that may be relevant to your interests and needs.
Clear GIFs, pixel tags, or web beacons – which are typically one-pixel, transparent images located on a webpage or in an email or other message – or similar technologies may be used on our sites and in some of our digital communications (such as email or other marketing messages). They may also be used when you are served advertisements, or you otherwise interact with advertisements outside of our online services. These are principally used to help recognize users, assess traffic patterns, and measure site or campaign engagement.
“First-party” cookies are stored by the domain (Website) you are visiting directly. They allow the Website’s owner to collect analytics data, remember language settings, and perform useful functions that help provide a good experience. “Third-party” cookies are created by domains other than the one you are visiting directly, hence the name third-party. They may be used for cross-site tracking, retargeting, and ad-serving. We also believe cookies fall into the following general categories:
How to submit a request:
You can exercise your rights under the CCPA by completing one of the following actions:
For all requests, you must provide the following Information:
To submit a request to know the information we have collected about you, to request we delete information we have about you, or to request we correct information we have you believe is inaccurate, you must provide the following information to us:
Please also see the sections below for additional information.
Requests to know:
If you wish to submit a request to know the information we have collected about you, you may request we tell you:
In response to a request to know, we will provide all the personal information we have collected and maintain about you on or after January 1, 2022, including beyond the 12-month period preceding our receipt of the request, unless doing so proves impossible or would involve disproportionate effort, or you request data for a specific time period. The information we provide will include any personal information our service providers or contractors collected pursuant to their written contract with us. If we claim that providing personal information beyond the 12-month period would be impossible or would involve disproportionate effort, we will provide you with a detailed explanation that includes enough facts to give you a meaningful understanding as to why we cannot provide personal information beyond the 12-month period. We will not simply state it is impossible or would require disproportionate effort.
If you want us to disclose the specific pieces of personal information we have collected about you, you must specify you want to know this information at the time you submit your request. For requests that seek the disclosure of specific pieces of information, if we cannot verify your identity, we will not disclose any specific pieces of personal information to you and we will inform you we cannot verify your identity. If the request is denied in whole or in part, we will also evaluate your request as if it is seeking the disclosure of categories of personal information about you.
For requests that seek the disclosure of categories of personal information about you, if we cannot verify your identity, we may deny the request and we will inform you we cannot verify your identity. If the request is denied in whole or in part, we will provide or direct you to our general business Information Practices regarding the collection, maintenance, and sale of personal information set forth in our privacy policy.
We are not required to search for personal information if all of the following conditions are met:
We will not disclose in response to a request to know your Social Security number, driver’s license number or other government-issued identification number, financial account number, any health insurance or medical identification number, an account password, security questions and answers, or unique biometric data generated from measurements or technical analysis of human characteristics. We will, however, inform you with sufficient particularity we have collected the type of information. For example, we may respond that we collect “unique biometric data including a fingerprint scan” without disclosing the actual fingerprint scan data.
If we deny your verified request to know specific pieces of personal information, in whole or in part, because of a conflict with federal or state law, or an exception to the CCPA, we will inform you and explain the basis for the denial, unless prohibited from doing so by law. If the request is denied only in part, we will disclose the other information you requested.
We will use reasonable security measures when transmitting personal information to you.
Requests to delete:
In addition to the general information, you must provide in connection with your request (see “For all requests, you must provide the following information” above), to request information be deleted, you must identify the information you would like us to delete.
If we cannot verify your identity, we may deny the request to delete. We will inform you that your identity cannot be verified.
As set forth in the CCPA regulations, we will comply with a verified request to delete your personal information by:
If we, a service provider, or a contractor stores any personal information on archived or backup systems, we/it may delay compliance with your request to delete, with respect to data stored on the archived or backup system, until the archived or backup system relating to that data is restored to an active system or is next accessed or used for a sale, disclosure, or commercial purpose.
In responding to a request to delete, we will inform you whether or not we have complied with your request. We will maintain a record of the request as required by regulation. We, our service providers, contractors, or third parties may retain a record of the request for the purpose of ensuring your personal information remains deleted.
In cases where we deny your request to delete in whole or in part, we will do all of the following:
In responding to a request to delete, we may present you with the choice to delete select portions of your personal information as long as a single option to delete all personal information is also offered and more prominently presented than the other choices. If we provide California consumers the ability to delete select categories of personal information (e.g., purchase history, browsing history, voice recordings) in other contexts, however, we must inform you of your ability to do so and direct you how you can do so.
Requests to correct:
In addition to the general information, you must provide in connection with your request (see “For all requests, you must provide the following information” above), to request information be corrected, you must identify the information you would like us to correct.
If we cannot verify your identity, we may deny the request to correct. We will inform you your identity cannot be verified.
In determining the accuracy of the personal information is the subject of your request to correct, we will consider the totality of the circumstances relating to the contested personal information. We may deny your request to correct if we determine the contested personal information is more likely than not accurate based on the totality of the circumstances. Considering the totality of the circumstances includes, but is not limited to, considering:
If we are not the source of the personal information and we have no documentation to support the accuracy of the information, your assertion of inaccuracy may be sufficient to establish the personal information is inaccurate.
If we comply with your request to correct, we will correct the personal information at issue on our existing systems and implement measures to ensure the information remains corrected. We will also instruct our service providers and contractors that maintain the personal information at issue pursuant to their written contract with us to make the necessary corrections in their respective systems. Service providers and contractors must comply with our instructions to correct the personal information or enable us to make the corrections and must also ensure the information remains corrected.
If we, a service provider, or a contractor store any personal information that is the subject of your request to correct on archived or backup systems, we/it may delay compliance with your request to correct, with respect to data stored on the archived or backup system, until the archived or backup system relating to that data is restored to an active system or is next accessed or used.
We will accept, review, and consider any documentation you provide in connection with your request to correct whether provided voluntarily or as required by us. You should make a good-faith effort to provide us with all necessary information available at the time of your request.
We may require you to provide documentation if necessary to rebut our own documentation that the personal information is accurate. In determining the necessity of the documentation requested, we will consider the following:
Any documentation provided by you in connection with your request to correct shall only be used and/or maintained by us for the purpose of correcting your personal information and to comply with the record-keeping obligations under the CCPA regulations.
We will implement and maintain reasonable security procedures and practices in maintaining any documentation relating to your request to correct.
We may delete the contested personal information as an alternative to correcting the information if the deletion of the personal information does not negatively impact you, or if you consent to the deletion. For example, if deleting instead of correcting inaccurate personal information would make it harder for you to obtain a job, housing, credit, education, or other type of opportunity, we will process the request to correct or obtain your consent to delete the information.
In responding to a request to correct, we will inform you whether or not we have complied with your request. If we deny your request to correct in whole or in part, we will do the following:
If the personal information at issue can be deleted pursuant to a request to delete, you can make a request to delete the personal information. See “How to submit a request,” “For all requests, you must provide the following information”,” and “Requests to delete” above.
We may deny your request to correct if we have denied your request to correct the same alleged inaccuracy within the past six months of receiving the request. However, we must treat the request to correct as new if you provide new or additional documentation to prove the information at issue is inaccurate.
We may deny a request to correct if we have a good-faith, reasonable, and documented belief a request to correct is fraudulent or abusive. We will inform you we will not comply with the request and will provide an explanation why we believe the request is fraudulent or abusive.
Where we are not the source of the information you contend is inaccurate, in addition to processing your request, we may, but we are not required to, provide you with the name of the source from which we received the alleged inaccurate information.
Upon request, we will disclose all the specific pieces of personal information we maintain and have collected about you to allow you to confirm we have corrected the inaccurate information that was the subject of your request to correct. This disclosure will not be considered a response to a request to know that is counted towards the limitation of two requests within a 12-month period as set forth in Civil Code section 1798.130, subdivision (b). With regard to a correction to your Social Security number, driver’s license number or other government-issued identification number, financial account number, any health insurance or medical identification number, an account password, security questions and answers, or unique biometric data generated from measurements or technical analysis of human characteristics, we will not disclose this information, but we may provide a way to confirm the personal information we maintain is the same as what you have provided.
The following is a general description of the process we use to verify your identity when submitting a request to know, a request to delete, or a request to correct:
By law and regulation, we are required to positively verify your identity prior to responding to your requests.
If you use an authorized agent to submit a request to know information under CCPA, you must verify your own identity with us and provide the agent written permission to submit the request on your behalf unless the agent holds a valid Power of Attorney or Conservatorship of the Person or the Estate for you. An agent’s failure to provide proof of authorization will result in a denial of the request.
The CCPA gives you the right to tell us not to sell or share your personal information with third parties by opting-out of such information sales or sharing. However, the CCPA also states we are not required to provide you with the right to opt-out if we only sell or share your personal information with our service providers or contractors pursuant to a written contract meets specific requirements, such as the requirement that we only sell or share your personal information to the extent that is reasonably necessary for the service provider or contractor to carry-out the contracted for business purpose and provided the service provider or contractor agrees only to use your personal information for that purpose. You do not have the right to opt-out because we do not sell or share your personal information outside of an exception that allows us to do so.
In addition, the CCPA gives you the right to limit our use or sharing of your sensitive personal information. However, the CCPA also states we are not required to provide you with the right to limit our use or sharing of your sensitive personal information so long as we only share it for the specific purposes set forth in Section 7027(m) of the regulations implementing the California Privacy Rights Act. We are not required to provide you with the right to limit our use or disclosure of your sensitive personal information because we only use or disclose such sensitive personal information for the following purpose(s):
If you have questions or concerns about this Privacy Policy, you may contact us by:
To effectively communicate SCE FCU’s policy regarding the privacy of the personal information of persons that visit scefcu.org.
SCE Federal Credit Union (“SCE FCU”) understands the importance of protecting your privacy. Our goal is to maintain your trust and confidence when handling your personal information. We are committed to maintaining the confidentiality of your personal information consistent with state and federal laws. This Online Privacy Policy (“Policy”) describes how SCE FCU collects, uses, shares, and protects information when you visit or use scefcu.org (“the Website”). By using the Website, you consent to the terms and conditions of this Policy, including your consent to our use and disclosure of information about you in the manner described in this Policy. The term “us,” “we” or “our” in this Policy refers to SCE Federal Credit Union.
How we collect information
“Cookies” are pieces of information that are stored directly on your computer, smartphone or other internet access device. Browser cookies are assigned by a web server to the browser on your device. When you return to a website you have visited before, your browser gives this data back to the server. When you visit the Website, we may use cookies and information gathered through their use to personalize your experience with us based on the products, services and other interactions you have with us. Information gathered through the use of cookies may be used to make offers to you via online ads, email, US mail or telephone, subject to the privacy preferences you have on file with SCE FCU. Cookies we use do not contain or capture unencrypted personal information.
The browsers of most computers, smartphones and other internet access devices are set up to accept cookies. You can refuse to accept these cookies through your browser settings. You will need to manage your cookie settings for each device and browser you use. If you choose to reject cookies, you may not be able to use the full functionality of the Website. For example, if we are not able to recognize your device, you will need to answer a challenge question each time you log on. You also may not receive customized advertising or other offers from us that may be relevant to your interests and needs.
How we respond to “do not track” signals
“Do Not Track” (“DNT”) refers to an HTTP header used by Internet web browsers to request that a web application disable its tracking or cross-site user tracking. When DNT is enabled, a user’s web browser adds a header to content requests indicating that the user does not want to be tracked. Applicable law requires us to disclose how we respond to web browser DNT signals. We do not respond to or take any action with respect to a DNT configuration set in your internet browser, and therefore, there is no reason to disable tracking related to SCE FCU’s online presence.
Personal information we collect
When you interact with us via our Website, we will not obtain personal information about you unless you choose to provide such information. Personal information that we may collect about you through online interaction includes information that you provide, such as your name, mailing address, email address and other contact information; data resulting from your activity, such as transaction information; and limited location information (for example, a zip code to help you find a nearby ATM).
We will retain your personal information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Other information we collect
In addition to the personal information described above, we also collect anonymous demographic information, which is not unique to you, such as your ZIP code, region, preferences, interests, and favorites. We may also automatically collect information about your computer hardware, such as the IP address of the device you use to connect to the Website, the type of operating system and browser you use, search engine used, access times, referring website addresses, the parts of our Website you access, and the site you visit next.
We, or our service providers, and other companies we work with may deploy and use cookies, web beacons, local shared objects and other tracking technologies for various purposes, such as fraud prevention and to promote our products and services to you. Some of these tracking tools may detect characteristics or settings of the specific device you use to access our online services.
Clear GIFs, pixel tags or web beacons – which are typically one-pixel, transparent images located on a webpage or in an email or other message – or similar technologies may be used on our sites and in some of our digital communications (such as email or other marketing messages). They may also be used when you are served advertisements, or you otherwise interact with advertisements outside of our online services. These are principally used to help recognize users, assess traffic patterns and measure site or campaign engagement.
“First party” cookies are stored by the domain (website) you are vising directly. They allow the website’s owner to collect analytics data, remember language settings, and perform useful functions that help provide a good experience. “Third-party” cookies are created by domains other than the one you are visiting directly, hence the name third-party. They may be used for cross-site tracking, retargeting and ad-serving. We also believe that cookies fall into the following general categories:
We may allow certain widgets (e.g., social share buttons) on our Website that allow users to easily share information on another platform, such as a social media platform. The third parties that own these widgets may have access to information about your browsing on pages of our Website where these widgets are placed. You may wish to review information at the third party sites, such as social media platforms where you have an account, to determine how these third parties collect and use such information.
In addition to the uses described above, we use the information for purposes as allowed by law, such as:
If you are an SCE FCU member, we will use and share any information that we collect from or about you in accordance with our Privacy Policy.
SCE FCU may share the information we collect from and about you with service providers with whom we work, such as data processors and companies that help us market products and services to you. When permitted or required by law, we may share information with additional third parties for purposes including response to legal process. Where appropriate, we will limit sharing of your information in accordance with our Privacy Policy.
We do not partner with third parties for the purposes of engaging in online behavioral tracking, nor do we permit third parties to collect from the SCE FCU Website personally identifiable information about your online activities.
Our website is not intended for children under the age of 13. We do not knowingly collect, maintain, or use personally identifiable information from our Website about children under the age of 13 without parental consent. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the Federal Trade Commission website.
Keeping your account information up-to-date is important. You can access and/or update your personal information in connection with your account or application by logging on to your account online or by calling our Contact Center at 800.866.6474.
Security measures have been implemented to improve Online Banking security. The login security uses a verification code to authenticate yourself via text message and/or a voice call to ensure that it’s you trying to access your Online Banking accounts. The options on how to receive your verification codes are provided during the login security setup. Login Security allows us to recognize you as the true owner of your account by recognizing not only your login information but also your computer. If we don’t recognize your computer, you will be requested to receive a new verification code. This adds an additional layer of protection from fraud and identity theft by preventing unauthorized access to your secure financial information.
The SCE FCU Website may contain links to third party websites. Although these links were established to provide you with access to useful information, SCE FCU does not control and is not responsible for any of these websites or their contents. We do not know or control what information third-party websites may collect regarding your personal information. SCE FCU provides these links to you only as a convenience, and SCE FCU does not endorse or make any representations about using such third party websites or any information, software or other products or materials found there, or any results that may be obtained from using them. We encourage you to review the privacy statements of websites you choose to link to from the SCE FCU Website so that you can understand how those websites collect, use, and share your information. SCE FCU is not responsible for the security or privacy practices of the linked websites.
From time to time, we may change this Policy. The effective date of this Policy, as indicated above, reflects the last time this Policy was revised. Any changes to this Policy will become effective when we post the revised Policy on our Website. Your use of the Website following these changes means that you accept the revised Policy.
Rates and terms subject to change without notice.
| ATM surcharge | $2 | Free when using SCE FCU or CO-OP Network ATMs |
|---|---|---|
| Bill Pay | $5 $20 | Expedited payment – electronic Expedited payment – check |
| Checks | at cost | Personal and Business |
| Check copies | $2 | Two free per statement |
| Coin deposit | 5% 10% | Of amount redeemed by members, waived on Youth accounts Of amount redeemed by non-members |
| Courtesy Pay (paid item)27 | $26 | No fee if overdrawing available account balance by $5 or less or if the transaction is $5 or less and paid by using Courtesy Pay; no more than four Courtesy Pay fees per day per account |
| Debit card replacement | $5 | |
| Deposit adjustments | $2.50 | |
| DMV services | $50 | Title transfers, lease buyouts, private party and out-of-state sales |
| Early withdrawal | $15 | Club and Super Saver (two free per year); Youth Super Saver (four free per year) |
| Escheat | $2 | |
| Foreign collections item | $30 $45 | Canada All other countries |
| Foreign transaction | 1% | Of total transaction |
| Home Equity Line demand | $40 | |
| Home Equity Line demand update | $20 | |
| Home Equity Subordination | $250 | |
| Inactive account fee | $5 | No activity in 12 months – waived with balances >$250 or for members under 18 |
| IRA transfer | $25 | In transferring to another financial institution |
| Legal action | $50 | Tax levies, judgments, garnishments or subpoenas |
| Loan document copy | $10 | |
| Loan modification | $50 | |
| Medallion stamp | $25 | |
| Non-member check cashing | $5 | |
| Notary | $5 | $2.50 each additional signature |
| Official check | $3 | One free per day |
| Online or phone payment | $12.50 $10 $6.50 | Phone-assisted payment One-time- online ACH or debit payment Recurring automatic online ACH or debit payments |
| Photocopies | 20¢ | |
| Research | $24 | Per hour |
| Return deposited item | $15 | $25 for deposited or cashed check on account with same ownership or on loan payment |
| Return item/NSF | $26 | (Non-Sufficient Funds) Per item each time presented and/or if paid and not covered by Courtesy Pay |
| Return mail | $5 | Up to $30 refund with correction |
| Rewards Checking28 | Free | With eStatements and monthly electronic deposit of $500 |
| Safe deposit box annual fee29 | $50 $75 $125 $150 $175 | 3x5” 5x5” 3x10” 5x10” 10x10” |
| Skip payment | $30 | Limit two per year |
| Special delivery for card or PIN | At cost | |
| Statement copies | $3 | Per statement |
| Stop payment | $10 $25 | Checks and Bill Pay Official check |
| Temporary checks | $2 | Two pages, four checks per page |
| Verification of Deposit or Mortgage | $15 | |
| Visa Gift Cards (at select branches) | $2.50 | $10 replacement |
| Wire transfers | $15 $30 | Domestic International |
27Including checks, automated debits (ACH), debit card transactions, bill payments and point-of-sale transactions. 28$5 per month without eStatements or Electronic Deposit; $10 per month without either. 29Safe deposit boxes and their contents are not insured by NCUA, are not available at all branches and are subject to availability.
Under penalties of perjury, you certify: (1) that the number shown entered on your application is your correct taxpayer identification number; (2) that you are not subject to backup withholding either because you have not been notified that you are subject to backup withholding as result of a failure to report all interest dividends, or the Internal Revenue Service (IRS) has notified you that you are no longer subject to backup withholding; (3) you are a U.S. person (including a U.S. resident alien); and (4) you are exempt from FATCA reporting.
