Privacy Notice

Privacy Notice [Printable Version]

TBA Credit Union is committed to respecting your privacy and to safeguarding your personal information and financial accounts.  The Credit Union:

  • Restricts access to your non-public personal information to those employees and members of our official family who have a specific business purpose in utilizing your data.
  • Trains employees and official family on the importance of maintaining confidentiality and privacy.
  • Implements and maintains physical, technical, and procedural safeguards that comply with regulation and accepted industry practices.

As the Credit Union collects and may share your personal information, Federal law gives you the right to limit some but not all sharing. Please read the Privacy Notice carefully to understand what the Credit Union does.

To help protect your personal information, here are a few safeguards

  • Avoid sharing account numbers, Social Security Numbers (SSN), Employer Identification Numbers (EIN), debit or credit card numbers, PINs (personal identification numbers) and passwords, and never store your PIN with your debit card or credit card.
  • If someone contacts you and asks for your account number or personal information, do not share it, even if the person explains it is on behalf of your bank, credit union or other institution. Credit union staff have access to your personal information and will not need to ask for it. If you believe the request may be legitimate, contact the institution using a phone number you find in the phone book or a legitimate online site. In cases that you’ve initiated contact, limit the information you share, and confirm why it is needed.
  • It is important the credit union has your current telephone number, mailing address, and email address. If we suspect fraudulent or unauthorized activity on your account, we will attempt to contact you immediately. If you have an update to your information, call us at 231-946-7090.
  • Regularly review all financial, medical and benefits statements for unauthorized transactions, activity or changes. If you discover something suspicious, report it to the institution immediately.

FACTSWHAT DOES TBA 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 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
bureaus
YesNo
For our marketing purposes - to offer our products and
services to you
YesNo
For joint marketing with other financial companiesYesNo
For our affiliates' everyday business purposes -
information about your transactions and experiences
YesNo
For our affiliates' everyday business purposes -
information about your creditworthiness
YesYes
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 tbacu.com.

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.
Name


Mail to:

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


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
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 TBA Credit Union collect my personal
information?
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
sharing.

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

Definitions
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.