Alan Oyster, Chairman
Robert Thomas, Vice Chairman
David Booth, Secretary
James McLaughlin, Treasurer
Help us in the war against terrorism The USA PATRIOT ACT requires credit unions to take extra security precautions 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 that identifies each person who opens an account. These new procedures are designed to prevent crimes, such as identity theft and account fraud, that terrorists commit to finance their operations against the U.S. and its citizens.
When an account is opened or changed, you will be asked for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver’s license or other identifying government-issued documents. The definition of an account covers a broad range of regular financial transactions such as deposit, transaction, asset, or credit accounts or other extension of credit. The required verification may be inconvenient for some but a strong deterrent for terrorists and other criminals. You can rest assured that we will only request the information required by law…and that we will use the information only for purposes of complying with the law. Your privacy is our top concern, and we will respect and protect it as always, consistent with the law’s requirements.
We strive to implement these regulations with as little inconvenience as possible. Since this is a matter of national security, your cooperation is vitally important and we thank you for your help. Call us at 330-305-3050 or click here to request more information.
You can rest assured that your money is safe, sound, and secure with Community One Credit Union. Your funds are Federally insured by the National Credit Union Administration, an agency of the Federal Government. The National Credit Union Share Insurance Fund, (NCUSIF), provides up to $250,000 in coverage for your share accounts.
Community One advises its members to review their share accounts yearly to ensure that all of their funds continue to be insured. We recommend you speak to a Member Service Representative any time you open a new account or modify an existing account.
For more information, click here to go directly to the National Credit Union Administration website. Once there, you will find detailed information regarding your Share Insurance, including how to obtain additional coverage.
Information We Collect About You
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications and other forms
- Information about your transactions with us
- Information we receive from a consumer reporting agency
- Information obtained when verifying the information you provide on an application or other forms; this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions
We may disclose all of the information we collect, as described above, as permitted by law.
Parties Who Receive Information From Us
We may disclose nonpublic personal information about you to the following types of third parties.
Financial service providers, such as insurance companies, mortgage service companies, and securities broker-dealers Non-financial companies, such as consumer reporting agencies, data processors, check/share draft printers, financial statement publishers, plastic card processors, and government agencies.
Disclosure of Information to Parties That Provide Service to Us
In order for us to conduct the business of the credit union, we may disclose all of the information we collect as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements so that we may provide members competitive products and services. We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.
To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties.
Disclosure of Information About Former Members
If you terminate your membership with Community One Credit Union of Ohio Inc., we will not share information we have collected about you, except as may be permitted or required by law.
How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic information.
What Members Can Do to Help
Community One Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:
- Protect your account numbers, plastic card numbers, PIN's (personal identification numbers) or passwords. Never keep your PIN with your 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 explaining 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. If your address or phone number changes, please let us know. 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.
- Let us know if you have questions. Please do not hesitate to call us-we are here to serve you.
ATMs make banking more convenient, but to be safe, keep these tips in mind:
Be aware of your surroundings when you use an ATM, especially at night. It's best to park in a well-lighted area and have someone go with you.
Fill out deposit forms and have your card ready before arriving at the ATM. When you complete your transaction, pocket your card and cash immediately. Never count your money while at the ATM.
At a drive-up ATM, keep all doors locked. Keep your engine running and keep your passenger side and rear windows up.
Treat your ATM/debit card like cash
Guard your ATM/debit card as carefully as you would cash, checks, and credit cards. Never give your account number or card information over the phone.
Keep your PIN secret
Don't write your Personal Identification Number (PIN) on your card, or keep it in your wallet. Memorize your number and don't tell anyone what it is - that includes family members, friends, or credit union employees.
Protect your privacy
Be mindful of others nearby. Position yourself in front of the ATM and shield the keyboard with your hand to prevent anyone from observing your PIN.
Give people who are using the ATM before you the same level of respect and privacy you'd like to receive.
Save your receipts
Your ATM receipt may contain confidential account information, and is your only record of the transaction. Save your receipt until you get your monthly statement, and verify that your account balances.
Look for possible devices attached to an ATM
If the ATM appears to have any attachments or alterations to the card slot or keypad, do not use the terminal. If possible, report the problem to the ATM operator or financial institution immediately.
Report a lost or stolen card immediately
If your card has been lost or stolen, call C1CU immediately at (330) 305-3050 or 800-469-0497.
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Community One Credit Union’s Social Media Public Use Policy
To ensure exchanges that are productive, informative, respectful of diverse viewpoints and lawful, we will review all comments and we will not post comments that are, or include:
Off Topic - We will exclude comments not related to the subject of the conversation. If you have an idea for a subject, would like to provide feedback, or would like a C1CU employee to follow-up with you, you may email us directly at email@example.com.
Spam - Comments focused on selling a product or service, or comments posted for a purpose of driving traffic to a particular website for personal, political, or monetary gain will be excluded.
Personal Attacks - If you disagree with the content, we would like to hear from you, but ask that you refrain from personal attacks or being disrespectful to others. Malicious intent and/or participation not in the spirit of civil conversation will be excluded.
Illegal - Posts must not violate laws that govern use of copyrights, trade secrets, etc.
Offensive Language - Comments including, but not limited to, profane or provocative language will be excluded. Comments that contain threatening, hateful, offensive, derogatory, obscene or sexually explicit language will not be tolerated.
Private or Confidential Information - Please do not provide any of your specific account details or other personal information when posting comments. If you have immediate service needs, please contact Member Service at 330-305-3050 or visit one of our local branches for assistance.
Posts in HTML Format (or URLs) will not be accepted. Please only use plain text when submitting your comments.
Posts from Individuals Under the Age of 13 will not be accepted.
Posts Containing Photos will not be accepted unless specifically requested by an authorized representative of Community One Credit Union, Inc. for a contest or other business-related purpose. In these instances, pictures will be reviewed and will not be posted if deemed inappropriate.
All comments are reviewed and approved by Community One Credit Union, Inc. before posting to our social media sites, including Facebook, Twitter, LinkedIn,YouTube and our blogs. Comments are monitored, but not controlled by Community One Credit Union.
Community One Credit Union, Inc. does not endorse any comments made by its employees, unless they are an authorized representative of the credit union. Community One Credit Union, Inc. does not validate assertions or forward-looking statements in the comments. All statements and viewpoints expressed in the comments are strictly those of the commenter alone, and do not constitute an official position of Community One Credit Union, Inc., unless they are posted by the original author (who is an authorized representative of the credit union) or by a subject matter expert responding on behalf of that authorized representative.
Community One Credit Union Employees - If you are a Community One Credit Union, Inc. employee, you MUST disclose your employment status when you submit a comment or question. When participating in online communities, do not misrepresent yourself. Whether you are at home or in the office, working for Community One Credit Union is a material fact that may influence content, and community members have a right to know you work for Community One Credit Union. When commenting on the credit union, unless you are authorized to speak on behalf of Community One Credit Union, you must state that the views expressed are your own. If we feel the nature of your comment is confidential, shares information not generally available, or recommends an action which could adversely affect our members, we reserve the right not to post your comment to a blog or social media site. Thank you for helping maintain the integrity of our community by disclosing your employment relationship.
Community One Credit Union reserves the right to change these guidelines at any time at its sole discretion.