Disclosures

Privacy Policy

Kraftman Federal Credit Union is committed to making available financial products and services that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with our credit union. As a member of Kraftman Federal Credit Union, you also have a responsibility to safeguard your financial information, to ensure that you can rely upon the quality of products and services we make available, Kraftman Federal Credit Union stands behind the following privacy policy:

Provide competitive financial products and services. Kraftman Federal Credit Union will protect your personal information. Kraftman Federal Credit Union will maintain strong security controls to ensure that member information in our files and computers are protected. Where appropriate, we will use security controls to ensure that member information in our files and computers is protected. We will use security coding techniques to protect against unauthorized access to personal records, ensure accuracy and integrity of communications and transactions, and protect member confidentiality.

You will always have access to your information. As a member of Kraftman Federal Credit Union, you will always have the opportunity to review your information and make necessary changes to ensure that our records are complete and accurate. Kraftman Federal Credit Union will share information only when absolutely necessary and legal. We will share information only to administer the products and services we provide, when required to do so by the government, or when we partner with other businesses to offer a broader array of products and services. Kraftman Federal Credit Union will partner only with businesses that follow strict confidentiality requirements. The businesses we select will offer products designed to enhance our members' economic well being. Under no circumstances will we authorize these firms to charge your account without your express consent, and we will not sell member information to telemarketing firms.

Kraftman Federal Credit Union will offer you a choice in how your information is used. Any member of our credit union may elect to keep their information from being shared with our business partners. As a member of Kraftman Federal Credit Union, you will receive an annual notice of our privacy policy and its changes. At this time, Kraftman Federal Credit Union only has marketing agreements with three companies with whom we share members' names and addresses for joint financial products. If you desire for your name and address not to be shared with any of our business partners for any special products, you have the right to come into our office at any time and sign a request to be excluded from any third party mailings. If you desire to do this, see someone in Member Services at any time at Kraftman Federal Credit

Kraftman FCU Mobile app and Home Banking collect user ID, device ID, and email address for account purposes only.

Request Account Data Removal (Mobile app and Home Banking)

To request user ID, device ID, and email address to be removed from the Kraftman FCU Mobile app and Home Banking visit https://www.kraftmanfcu.com/contact to request account data to be removed. Please note that you will lose access to Home and Mobile banking once this data is removed.

Identity Theft

We are committed to helping you – our member – protect yourself from fraud.  As one way to demonstrate this commitment, we have compiled helpful information to enable you to protect your personal privacy and financial security.  In addition, should you encounter fraud or identity theft, we have also included guidance on how to notify us and others, as appropriate.

As soon as you realize that you may have been a victim of an identity theft, it is important to take immediate action. An aggressive response on your part may help reduce your exposure to financial loss.

Contact your local police department

In the event of identity theft, it is important that you notify your local police department and file a report.  Be sure to request a report number or a copy of the report for your records and, if necessary, to include with any affidavit you may need to provide.

Contact the Federal Trade Commission

The Federal Trade Commission (FTC) maintains the Identity Theft Clearinghouse; the federal government’s centralized identity theft complaint database.  We encourage you to contact them and report your identity theft in one of these ways:

Identity Theft Data Clearinghouse
Federal Trade Commission
600 Pennsylvania Ave. NW
Washington, DC 20580

Contact us

Should you become a victim of identity theft or if you believe your Credit Union account information may have been compromised, please contact us immediately so we can process your claim.  You may contact us as follows:

Kraftman Federal Credit Union 318-281-2804 or email at info@kraftmanfcu.com

We take identity theft seriously.  If a criminal has opened an account in your name, we will help you by:

  • Walking you through your credit report to identify other suspicious accounts

  • Notify the companies holding the suspicious accounts

  • Place fraud alerts at the credit bureaus

  • Share information with law enforcement agencies and the Federal Trade Commission

Email Fraud, Phishing or Spoofs

The Credit Union will never send an email request asking for you to verify or update personal information or passwords by replying to the email or by going to a website through a link included with the email.  Even if you don’t provide information, by clicking on the link you could expose your computer’s operating system to a virus or to software that enables criminals to “eavesdrop” on your keystrokes and capture your passwords and other confidential information.  If you believe you have received or replied to a suspicious email and provided private information about your account, please contact us immediately at [318-281-2804].

Lost or Stolen ATM or Debit Card

Please report a lost or stolen ATM or Debit Card by immediately calling [1-800-383-8000].  We will ensure that your current card is canceled and that a new card is sent via U.S. Mail.

Lost or Stolen Credit Card

Report a lost or stolen credit card to us immediately by calling the phone number available on your credit card statement.  If the statement is not readily available, please contact us directly at (1-800-808-7230 or after hours 1-800-991-4964).  Remember, the longer you delay, the more time the thief has to make charges on your account.

Reminder to our membership

Kraftman Federal Credit Union will never call a member to ask for confidential information such as

username, password, PIN, SSN, or security code on the back of their card. We will never call and

request to log into your personal computer or smart phone. Use caution when providing your debit

card or credit card information online while using public WIFI or over the phone.

If you are suspicious of the caller, hang up and call our main number directly at 318-281-2804.

Notifying Credit Bureaus

It is highly recommended that you contact the three national consumer reporting agencies if you believe you have been a victim of identity theft.  Ask each agency to place a “fraud alert” on your credit report and to send you a copy of your credit file.

Equifax – 1-800-525-6285

P.O. Box 740241
Atlanta, GA 30347-0241
www.equifax.com

Experian – 1-888-397-3742

P.O. Box 9530
Allen, TX 75013
www.experian.com

TransUnion – 1-800-680-7289

Fraud Victim Assistance Division
P.O. Box 6790
Fullerton, CA 92634-6790
www.transunion.com

Funds Availability Policy

Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit.

In some cases, we may delay your ability to withdraw funds beyond the first business day. In such cases the funds will generally be available by the fifth business day after the day of deposit.

USA Patriot Act

IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that on personal accounts identifies each person who opens an account. In addition on legal entity accounts, we will require identification on beneficial owners and controlling person.

What does this mean for you?

When you open an account we will ask your name, address, date of birth, and other information that allows us to identify you. We will ask to see your driver’s license or other state issued identification and your Social Security card. We possibly might ask for other needed identification.

IN ALL CASES PROTECTION OF OUR MEMBER’S IDENTITIES AND CONFIDENTIALITY IS OUR PLEDGE TO YOU!

The above requirements also apply to any joint owner or other person added onto any account.