Welcome to BCEFCU

Privacy Notice

The Baltimore County Employees Federal Credit Union, your member-owned financial institution, is committed to providing you financial products and services to meet your needs and help you achieve your financial goals. We are equally committed to protecting your privacy. You can be confident that your financial privacy has always been a priority of this Credit Union.

We are providing you this Privacy Notice to explain how we collect, use, and safeguard your personal financial information. We hope you find it informative and reassuring as to our commitment to this issue.

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What does Baltimore County Employees Federal Credit Union do with your personal information?

Why?
Financial companies choose how they share your personal information.
Federal law gives consumers the right to limit some but not all sharing.
Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?
The types of personal information we collect and share depends on the product or service you have with us. This information can include:

Social Security Number and account balances
Credit history and credit scores
Income and payment history

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 Baltimore County Employees Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does BCEFCU 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	Yes
For joint marketing with other financial companies	Yes	Yes
For our affiliates’ everyday business purposes— information about your transactions and experiences	No	We do not share
For our affiliates’ everyday business purposes— information about your creditworthiness	No	We do not share
For our affiliates to market to you	No	We do not share
For non-affiliates to market to you	Yes	Yes

To Limit Sharing
Call 1-800-234-4730 and speak with a Member Services Representative.

Go to the Contact Us page. Send an email and select "Opt-Out of Sharing"

Questions?
Call 1-800-234-4730 and speak with a Member Services Representative.

What we do

How does the Baltimore County Employees Federal Credit Union
protect my personal information?
To protect your personal information from unauthorized access
and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Baltimore County Employees Federal Credit union
collect my personal information?
We collect your personal information, for example, when you

Open an account or deposit money
Pay your bills or apply for a loan
Use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, and 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 non-affiliates to market to you

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

Certain member transactions, such as real estate loans (purchases,
refinances, home equity loans) involve the recordation of first and
second mortgages in a “Land Records” Office and become a matter of public record and are available to any person or business firm desiring to obtain this type of data.

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

Definitions

Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.

Baltimore County Employees Federal Credit Union has no affiliates.

Non-Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.

Non-affiliates Baltimore County Employees Federal Credit Union shares with can include insurance companies, government agencies, plastic card processors (credit/debit/ATM), financial statement publishers or printers, mortgage companies, mortgage service companies, consumer reporting agencies, data processors, check/share draft printers, and direct marketing companies.

Joint marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.

As of March 31, 2011, the Baltimore County Employees Federal Credit Union did not have joint marketing partners to disclose for this Privacy Notice.

Other important information
You may opt out of receiving marketing information from Baltimore County Employees Federal Credit Union or through its joint marketing agreements. Follow the instructions in the “To Limit Sharing” section.