Privacy & Security

*These links will take you away from the Express Credit Union web site.

Privacy Notice & Disclosures

Express Credit Union (ECU), 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 financial information. If you have any questions, please contact a member service representative at ECU.

Information We Collect and Disclose 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 or others
  • Information we receive from a consumer reporting agency

We may disclose some of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions (including but not limited to Insurance Companies and/or Mortgage Loan Brokers & Servicers) with whom we have joint marketing agreements.

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 member information we provide to other third parties. In order to conduct the business of the credit union, we may also disclose personal information about you under other 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, and follow your instructions as you authorize, or protect the security of our financial records.

Federal law gives you the right to limit:

  • Sharing for affiliates’ everyday business purposes – information about your credit worthiness
  • 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.

You may choose not to receive Express Credit Union or affiliates’ marketing offers about new products and services, special promotions and other activities. Call 206-622-1850, visit our office at 1930 6th Ave S, Seattle, WA  98134 or write to us at PO Box 94286, Seattle, WA 98124. If you have previously opted out, and you have not since revoked that authority, you do not need to provide another opt out at this time. If you determine that information that is used for any of the purposes described above is incorrect, you may contact us at 206-622-1850. Please note that for joint account holders, we will treat an opt out direction by either account holder as applying to the entire account.

If you terminate your membership with ECU

We will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees 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

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

  • Protect your account numbers, card numbers and PINs (personal identification numbers). Never keep your PIN with your EZCheck Debit Card or ECU 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.

As a member-owner of ECU, all policies governing your credit union are available for your review. If you have questions concerning this notice, please do not hesitate to call us. We are here to serve you.

Phishing Scams

E-mail fraud is a major problem for unsuspecting internet users. These emails, claiming to be sent by one of your financial services providers, or even a government agency, ask members to reply with personal information, such as their credit card number, Social Security number or online user ID and password.

A typical email will probably warn you of a serious problem that requires your immediate attention. The email may also encourage you to click on a button to be forwarded to the institution’s Web site. In a phishing scam you could be redirected to a phony Web site that can look very similar to an authentic financial institution’s Web site, where the thieves will try to obtain personal information from you.

Express Credit Union will never initiate a request for sensitive information via email (such as Social Security numbers, Personal Identification Numbers, passwords or account numbers). If you receive an email that requests this type of sensitive information, be suspicious of it and contact the institution that you received it from to verify its authenticity. If you did not initiate the communication, do not provide any information.

Identity Theft

Listed below are a few valuable victim assistance resources that can help aid you in your identity fraud resolution.

Credit Bureau Contact Information:

*These links will take you away from the Express Credit Union web site.

Equifax  www.equifax.com*

To report fraud, call: (800) 525-6285 or write: P.O. Box 740241, Atlanta, GA 30374

Experian  www.experian.com*

To report fraud, call: (888) 397-3742 or write: P.O. Box 9532, Allen, TX 75013

TransUnion  www.transunion.com*

To report fraud, call: (800) 680-7289 or write: Fraud Victim Assistance Department,

P.O. Box 6790, Fullerton, CA, 92834

Children’s Privacy Statement

Express Credit Union is committed to protecting your child’s online privacy. We recognize that protecting your child’s identity and online privacy is important. That responsibility rests with us and with you, the parent. If you believe your child has given us personally identifiable information, please contact us so we can give you the opportunity to review and delete the information. Please call us at (206) 622-1850 or e-mail us at expresscu@expresscu.org

Kids: Please be sure to get your parent’s permission before giving any information about yourself to anyone on the Internet.