DISCLOSURES
IH Mississippi Valley Credit Union is NCUA (National Credit Union Administration) insured. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
IHMVCU also provides an additional $250,000 coverage for both individual share and retirement accounts through Excess Share Insurance Corp., a licensed insurance agent.
IHMVCU Disclosures
Complete Deposit Account Contract
Business Complete Deposit Account Contract
Insurance Coverage and You
eStatement Disclosure
Privacy Policy
Credit cardholder agreement
Online Privacy Policy
Third Party Web Site Statement
Printable Reconciliation form
Proxy Notice
IHMVCU Transactional Disclosures
Fee Schedule
Funds Availability
Electronic Funds Transfer
Business Fee Schedule
Business Funds Availability
Business Electronic Funds Transfer
Online Privacy Policy
General Use
As a general policy, IH Mississippi Valley Credit Union does not automatically collect personal information from users of its web site or Online Branch. IH Mississippi Valley Credit Union does collect and store information on the domain a visitor uses to access its web site, the Internet address of the web site from which a user links to the credit union's web site and the date and time of the user’s visit to the credit union's web site. This information is used to measure the number of visitors to our web site and track the route a user travels while within the credit union's web site to better service users through improved design and site navigation.
Member-only Areas
Personal identification (i.e. member account number, PIN/Password) is collected when a valid credit union member with an active credit union account(s) has registered to enter the secure online banking area (Online Branch) of the credit union's web site. This information enables the credit union to regulate access of this information to those who request such access and those entitled to perform transactions on the account(s).
Cookies
The IH Mississippi Valley Credit Union web site requires the use of cookies, which are small pieces of information a web site stores on a visitor's Web browser. For example, cookies are required to help protect the privacy of a member's transactions by automatically terminating online sessions if the member forgets to log out. Cookies cannot be used to capture a user's e-mail address, obtain data from the user's hard drive or gain confidential or sensitive information about the user. Additionally, a cookie cannot be read by any web site other than the one that set the cookie.
Online Forms
IH Mississippi Valley Credit Union provides online forms and applications to better serve the needs of our members. Personal information provided by a user via any of the credit union's online forms is used by the IH Mississippi Valley Credit Union only to process the member's request for service.
E-mail Communication
Personal information transmitted to IH Mississippi Valley Credit Union may be used by credit union staff to respond to inquiries for service or information or to improve the service the credit union provides. Since e-mail messages may not be secure against interception by unauthorized individuals, users may want to seek alternatives to e-mail when it's necessary to provide sensitive or personal information. Likewise, the credit union will not transmit sensitive or personal information that can compromise or violate a user's privacy when communicating via e-mail.
Third Party Web site Statement
IH Mississippi Valley Credit Union provides links to other web sites and resources. We do not control these sites and resources, and are not responsible for their availability, content or delivery of services. IHMVCU encourages you to be aware of all privacy and security practices before giving information about yourself.
