Security & Privacy

Online Banking Security: For the member’s protection, Online Banking employs two forms of security: Dual Password Protection and Data Encryption. Dual Password Protection requires the user to enter a second password, in addition to the four digit PIN to ensure account information is not accessed by unauthorized users. Data Encryption is a process that transposes the information sent from our server to your browser into a code that cannot be understood or altered without using a “key.” The “key” deciphers the information from our server to be able to display on your browser. Currently, there are two levels of RSA data encryption that our server will provide, 40-bit and 128-bit. 40-bit data encryption is the standard method that is used all over the world for electronic commerce. Only 40-bit data encryption is currently available for users outside of the United States. If you live within the United States, you should be able to download the 128-bit (Domestic) version of Netscape Communicator or Internet Explorer, or purchase Netscape or Internet Explorer from a retail computer store. If you live outside of the United States, you can download the 40-bit (Exportable) version of Netscape Communicator or Microsoft Internet Explorer. If you already have the “standard” version of Netscape Communicator or Microsoft Internet Explorer, you are protected by the 40-bit security by default. E-mail: Information sent via email may be used by NCFCU to answer questions, address member suggestions, or update member information. Generally, email, other than the mail system that is contained within Online Banking, is not secure against interception. You should refrain from sending emails to the credit union or anyone else that contain account numbers, Social Security numbers, PINs, etc. NCFCU Web Site: Since most areas of the NCFCU Web site do not involve the exchange of information between NCFCU and our members, it is not necessary to use encryption to transfer this information. We do, however encrypt any areas that involve the transfer of information such as Online Banking and the Online Loan Application.
PRIVACY POLICY DISCLOSURE WHAT DOES NEW CUMBERLAND FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
FACTS
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 scores
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, We list the reasons financial companies can share their customers’ personal information, the reasons New Cumberland Federal Credit Union chooses to share, and whether You can limit this sharing.
 
Reasons We can share Your personal information Does the 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 YES NO
For Our marketing purposes – to offer Our products and services to You YES NO
For joint marketing with other financial companies YES NO
For Our affiliates’ everyday business purposes – information about Your transactions and experiences NO WE DON’T SHARE
For Our affiliates’ everyday business purposes – information about Your creditworthiness NO WE DON’T SHARE
For Our affiliates to market to You NO WE DON’T SHARE
For non-affiliates to market to You NO WE DON’T SHARE
 
Questions? Call (800) 716–2328 or write to Us at: 345 Lewisberry Road, PO Box 658, New Cumberland, PA 17070
 
What We Do
How does New Cumberland 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 New Cumberland 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, or others.
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 You
  • sharing for non-affiliates to market You
State laws and individual companies may give You additional rights to limit sharing.
 
Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies. New Cumberland Federal Credit Union does not share with Our affiliates.
Non-Affiliates Companies not related by common ownership or control. They can be financial and non-financial companies. New Cumberland Federall Credit Union does not share with non-affiliates so they can market You.
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to You. Our joint marketing partners include categories of companies, such as:
  • financial service providers
  • insurance companies