Privacy Notice

Privacy Notice [Printable Version]

TBA Credit Union, your member-owned financial institution, is committed to providing you financial products and services to meet your needs and reach your financial goals. We are equally committed to protecting our members’ privacy. You can be confident that your financial privacy is a priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use, and safeguard your personal information. If you have any questions, please contact a member service representative at 231.946.7090.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees and members of our official family who have a specific business purpose in utilizing your data. Our employees and our official family are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

What You Can Do to Help Protect Your Privacy

TBA Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

  • Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit card which can provide free access to your accounts if your card is lost or stolen.
  • Use caution when disclosing your account numbers, Social Security numbers, etc. to other persons. If someone calls you, explains the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
  • Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

If you have any questions concerning this notice, please do not hesitate to call us – we are here to serve you.

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 score

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

Reasons we can share your personal informationDoes TBA Credit Union share?Can you limit this sharing?
For our everyday business purposes - such as to process
your transactions, maintain your account(s), respond to
court orders and legal investigations, or report to credit
For our marketing purposes - to offer our products and
services to you
For joint marketing with other financial companiesYesNo
For our affiliates' everyday business purposes -
information about your transactions and experiences
For our affiliates' everyday business purposes -
information about your creditworthiness
For our affiliates to market to youYesYes
For nonaffiliates to market to youYesYes

To Limit our SharingQuestions?

  • Call 800.678.0987 or 231.946.7090 to speak with one of our member service representatives.

  • Mail the form below.

Please note: If you are a new member, we can begin sharing your information 30 days from the date we
sent this notice. When you are no longer our member, we continue to share your information as described
in this notice. However, you can contact us at any time to limit our sharing.
Call 800.678.0987 or 231.946.7090, or go to

Optional Mail-In Form

If you have a joint account, your choice(s) will apply to everyone on your account.

Mark any/all you want to limit or call 800.678.0987.

[ ] Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

[ ] Do not allow your affiliates to use my personal information to market to me.

[ ] Do not share my personal information with nonaffiliates to market their products and services to me.

Mail to:

TBA Credit Union
PO Box 1049
Traverse City, MI 49685-1049

City, State, Zip

Account Number

Who we are
Who is providing this notice?
TBA Credit Union
What we do
How does TBA Credit Union protect my personal
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 TBA Credit Union collect my personal
We collect your personal information, for example, when you

  • Open an account

  • Apply for a loan

  • Use your credit or debit card

We also collect your personal information from others, such as credit
bureaus, affiliates, or other companies.

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

  • Sharing for affiliates' everyday business purposes - information
    about your creditworthiness

  • Affiliates from using your information to market to you

  • Sharing for nonaffiliates to market to you

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

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

AffiliatesCompanies related by common ownership or control. They can be financial
and nonfinancial companies.
NonaffiliatesCompanies not related by common ownership or control. They can be
financial and nonfinancial companies.
Joint marketingA formal agreement between nonaffiliated financial companies that
together market financial products or services to you.