Disclosures

Unauthorized access or use of this website is not permitted and may constitute a crime punishable by law.

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Patriot Act

Important Information About Procedures for Opening a New Account

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.

What does this mean for you?

When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Security Statement

What is a “cookie” and how does it work?

We occasionally use software “cookies” (tiny data files sent to and stored by the client computer’s web-browser software) to let you use our services more efficiently and to let us keep track of statistical traffic information that helps us improve our Web site. One extremely valuable service provided by cookies is that they can save many preferences which you have established for navigation, searching, and shopping on your favorite Web sites. After your computer has requested and received a cookie from an Internet server, the cookie simply allows you to visit Web site pages repeatedly without having to reintroduce yourself each time you return. No other user’s computer on the Worldwide Web will have that same cookie, and only the Web site which issued that cookie can later retrieve it. A Web site can transmit one or (rarely) more cookies to the user’s browser software, and each may have a very different purpose. Cookies from our server contain only information that a user volunteers, which guarantees the secure transmission of their data across the Internet, or which can automatically disconnect a user’s “log-in” session after a period of inactivity (in case you go to lunch but forget to “log off”).

What is SSL and how does it protect me?

SSL protocol provides secure communications on the Internet. Essentially, SSL does three things:

SSL creates a secure communication channel by encrypting communication between the user and the server.
SSL authenticates that the server to which you are connected is indeed correct. You can be assured that you are actually communicating with us, and not a third party trying to intercept the transaction.
SSL conducts a cryptographic word count to ensure data integrity between the server and the user. The word count (or checksum) provides a count of the number of bytes in a document and ensures the exact number of bytes is transmitted and received. With SSL, even this check sum is encrypted so it cannot be modified. If a message is not received in its entirety, it is rejected and another copy of the message is sent automatically.

Encrypted Data

After you have entered your information, the encrypted data is transported between our systems and our alliance systems. Ensuring the security of your financial transactions is never a finite process for us. We use professional security experts to manage and monitor 24 hours a day, 7 days a week to help ensure that your information is secure.

Members' Access to Credit Union Documents

According to Section 91.315 of the Texas Administrative Code, MCT Credit Union is required to notify our members that the following documents are available for review or to receive a copy of the most recent version:

Balance Sheet and Income Statement
Annual Audit
Articles of Incorporation, Bylaws, Rules, Guidelines, Board Policies and copies thereof, and
Internal Revenue Service Form 990

Please make requests by writing to:

MCT Credit Union
ATTN: Office of the President/CEO
P.O. Box 279
Port Neches, TX 77651

Or by phone at (409) 727-1446

Privacy Policy

FACTS	What does MCT 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 depend on the product or service you have with us. This information can include: Social Security number and account balances credit history and overdraft history payment history and transaction history When you are no longer our member, we continue to share your information as described in this notice.
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 MCT Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does MCT 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 to 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 nonaffiliates to market to you	No	We don't share

Questions? Call (409) 727-1446 or go to www.mctcu.org

What we do

How does MCT 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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does MCT Credit Union collect my personal information?

We collect your personal information, for example, when you

open an account or make a wire transfer
show your government-issued ID or give us your contact information
make deposits or withdrawals from your account

We also collect your personal information from others, such as credit bureaus, affiliates, or 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 nonaffiliates to market to you

State law 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 nonfinancial companies.

MCT Credit Union has no affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

MCT Credit Union does not share with our nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Our joint marketing partners include insurance companies.

Other important information

MCT Cards, the Credit Union’s Credit Card Mobile App provider, periodically collects, transmits, and uses geolocation information for enabling features that prevent fraudulent card use and alerts, but only if the End User expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the Solution is being used or not at all, depending on the End User’s selection. The End User can change his/her/their location permissions at any time in their device settings.

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