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Privacy

PremierOne cares about your privacy. Please read our privacy policies below:

General Privacy Policy

PremierOne Credit Union respects the privacy of all our members. We are committed to providing you with financial services that meet your needs. We recognize that keeping your financial information secure is one of our most important responsibilities. This policy describes how PremierOne Credit Union collects and uses your confidential information “nonpublic personal information” and how we maintain the confidentiality of such information.

If you have any questions about this policy, please contact us at 408.524.4500 or 855.500.7128.

Member Information We Collect

We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms;
  • Information about your transactions with us, our affiliates, or others;
  • Information we receive from a consumer reporting agency or other data compilation firms; and
  • Information you provide through our home banking service or Web site.

Information We Share

We may disclose all or some of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Information about Former Members

If you decide to end your relationship with PremierOne Credit Union we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We also use technological means (such as backup files, virus detection, firewalls, and other computer software and hardware) to protect against unauthorized access or alterations of member data.

Federal Notification

Opt Out Member Form

Website Policy

Information Collection and Use

PremierOne Credit Union is committed to protecting user privacy. Your privacy is important to us. To better protect your privacy, we are explaining our online information practices and choices you can make about the way your information is collected and used. We may collect information at several points throughout our website, along with other electronic communication methods. Our website offers opportunities for visitors to opt-in to receive email updates, as well as to choose to utilize resources, participate in surveys, submit query forms, or partake in promotions. These methods may require users to provide contact or other information (such as name, email address, phone number, and/or preferences). We use this information to send members and potential members information about the Credit Union, including about our products and services. PremierOne Credit Union will not request account or personally sensitive information, such as Social Security numbers, through any general electronic method. We advise members to provide such information ONLY through secure communication, such as eBranch. In addition, PremierOne Credit Union may utilize third party vendors to assist with electronic forms, or host web pages or provide electronic services. In the event we utilize a third party vendor for any electronic purpose, we will perform due diligence regarding the privacy and reputation of the vendor. By choosing to participate in Web-related activity, and using our website functions, you release the Credit Union from any liability related to third party vendor privacy and understand that privacy policies from third party vendors may be different than PremierOne Credit Union.

Those who sign up to receive emails and/or for other participatory endeavors and subsequently wish to withdraw their participation may opt-out at any time.

We also keep track of activity on our website via log files stored on web servers. We collect information such as IP address, browser type and version, and pages you view. We also may keep track of how you got to our site and any links you click on to leave our site. We may use our logs of your website activity and other voluntary information collected throughout the website to assist us in offering you a personalized web experience, assist you with technical support, diagnose problems with our server, administer our website and tailor our product and service offerings to you. At times, the Credit Union may utilize a third party vendor to assist us with technical or performance aspects related to electronic communication. In the event we utilize a third party vendor for any purpose related to electronic communication, we will perform due diligence regarding the privacy and reputation of the third party vendor. By using our website, you release the Credit Union from any liability related to third party vendor privacy and understand that privacy policies from third party vendors may be different than PremierOne Credit Union.

Choice/Opt-out

As much as we are able, the Credit Union devises methods that enable users to choose to submit information. The PremierOne Credit Union electronic policy tolerates only permission-based marketing emails. Users always have the opportunity to opt-out of any marketing email by replying to any marketing email with unsubscribe in the email or you can unsubscribe by clicking "here" in the last sentence of the email that reads- If you no longer wish to receive emails from us please go here . If you believe that you have received an unsolicited marketing email from PremierOne Credit Union on behalf of any other party, you may report it to us by clicking here. Secure communication through eBranch including account notification and information is considered transactional and is not included in the marketing Opt-out portion of this policy.

Social Media Policy

The Credit Union has created a page on Facebook, YouTube, and other Social Media outlets, as a way to interact with members, foster a sense of community, hold promotions and contests, and discuss topics related to Credit Union products and services. The Credit Union also follows our internal policies related to member security and information. We are committed to a transparent and honest social media flow, and will not create "fake" destinations and posts designed to mislead followers and control a conversation. Every website, "fan page", or other online destination that is ultimately controlled by the Credit Union will make that fact known to users and must be authorized by the Credit Union.

Members should always be aware they are on a social networking site, and that the social networking site may have different privacy standards than the Credit Union. The Credit Union cannot be held responsible for aspects of the social network outside of its control. The Credit Union encourages all members to review the Social Networking Terms and Conditions and Privacy Policies of each site, and to learn other Social Networking tips (provided below).

Member and non-member participation is welcomed as a means of sharing experiences, suggesting improvements, and contributing to conversations. In order to maintain the integrity of the Credit Union, and protect our members’ information, the following terms of use regarding our social media presence have been established:

  • All comments will be reviewed and posts that are derogatory, defamatory, obscene, hateful, ethnic, off topic, spam, personal attacks, illegal, offensive, or those that are private or confidential, or any comment that is deemed to be inappropriate will be removed. The Credit Union maintains the sole responsibility of judgment for these items.
  • Posts must be in text format from someone over age 13.
  • Posts from members with photos will not be accepted unless specifically requested by an authorized representative for a contest or other business-related purpose. In these instances, pictures will be reviewed and removed if inappropriate.
  • Posts or comments intending to sell a product or service not deriving from official Credit Union personnel or those intending to divert traffic to a particular website for personal or monetary gain will not be permitted, this includes Spam.
  • All comments are monitored, but not controlled or edited. At our sole discretion the Credit Union reserves the right to remove a post we deem inappropriate. We do not endorse any comments made by its employees, unless they are an authorized and designated representative of the Credit Union.
  • Financially-sensitive information will never be requested through a social media page. Members should not disclose information, such as account usernames and numbers, passwords, pins, social security numbers, or account details through social media. Please inform us immediately at 408.524.4500 if you receive such a request through the Credit Union’s social media site.
  • At times, and related to promotions, sweepstakes, or postings, the Credit Union might utilize a third party company for the specific use of developing a promotion or posting information or an article through a Social Networking site. Third-party companies may not be bound by the same privacy policy as the Credit Union. In these instances, the Credit Union will perform due diligence to ensure the reputation and operation of the third party company or application. Members should be aware that Social Networking sites and third-party applications may review member profiles or other information outside of Credit Union control when the member has opted in or allowed them to do so. We will provide disclosure related to every promotion and include whether the Credit Union used a third-party application to develop the Social Networking promotion.
  • Should a member want to participate in a promotion or sweepstakes with the Credit Union but not participate through the Social Networking site, they may send a 3x5 index card including their name, address, email address, telephone number, and birth date that identifies what promotion in which they wish to be included. They should mail the card to Marketing, PremierOne Credit Union, 6640 Via Del Oro, San Jose, CA 95119 during the promotion period. The Credit Union is not responsible for any lost, stolen or damaged entries. See the official rules of each promotion for more details.
  • The Credit Union may require an email address, and birth date or other detail to participate in any promotion or sweepstakes. An email address will be the method of contact for winners. All entrants will have the opportunity to opt-in to receive informative monthly emails from the Credit Union. The birth date is required to validate age-restrictions based on Federal or State law surrounding sweepstakes. This information will not be made public through the Credit Union page or site, and will remain proprietary information. Members should be aware that if this information is provided through a Social Networking site, their information may be viewed by the Social Networking site or third-party company if they give permission or allow them to do so.
  • Except for posting winner names as related to, or identified with, giveaways, contests, or other promotions, the Credit Union will not post identifiable member information on the page.
  • The Credit Union does not validate assertions or statements in the comments. All statements and viewpoints expressed are strictly those of the commenter alone, and do not constitute an official position of the Credit Union, unless posted by the authorized representative of the Credit Union.
  • All rights reserved: The Credit Union reserves the right to edit, delete, move or mark as spam any and all comments, and also has the right to block access to any one group from commenting, or from the page.
  • All comments on our Facebook or other social media pages are the responsibility of the commenter, not the Credit Union. By submitting a comment on such page, you agree that the comment content is your own, and to hold this site and all subsidiaries and representatives harmless from any and all repercussions, damages or liabilities. 
  • Commenters understand that comments, check-ins or other interaction with social media platforms are considered public and commenters should not have expectation of compensation or other recognition should the Credit Union use the comment as posted on the Credit Union’s page. 
  • The Credit Union reserves the right to change guidelines at any time at its sole discretion and will keep current guidelines online.

Security Information and Updates

General Information

PremierOne Credit Union may set and access PremierOne cookies on your computer. We may also set and access device identifiers which could include IP address, user agent information (browser version, OS type and version), and device provided identifiers. Once you log into PremierOne Credit Union on your device, PremierOne may recognize your device to provide you with a personalized experience, independent of your device settings.

 Security InformationInformaIn

Beware of Vishing, Smishing, and Phishing: The latest attempts to gain your information include mobile phone text messages whereby you must call a phone number and provide confidential information.

Vishing

Voice phishing is the criminal practice of using social engineering over the telephone system to gain access to private personal and financial information from the public for the purpose of financial reward. Unless you contacted an institution directly, you do not know who is on the other end of the line. Never submit confidential information by phone or voicemail if you are not the one who initiated the call.

For example, if you receive a text that says "Dear credit union bank customer, we regret that we have had to lock out access to your account. Please call 901.562.1204 to access your account." If you respond, an automated response may request your credit card number. This is referred to as “Vishing” because the fraudsters are Voice Phishing for your information. Whether by mobile phone or email, do not call and leave confidential information on a message or provide this information if you did not initiate the request.

Smishing

SMiShing is short for "SMS phishing." SMiShing is a security attack in which the user is tricked into downloading a Trojan horse, virus or other malware onto his cellular phone or other mobile device. Once the software is installed it can give the criminals control of your device and access to your data.

For example, if you receive a mobile text that says "Dear credit union/bank customer, we regret to inform you that you have been locked out of your account. Please click here to access your account." When you click the link the software is installed on your device and the device becomes compromised.

Phishing

Suspicious phone calls, emails, or mail that request a response or action to contact an institution or individual where you would provide account number, personal information or a password.

Remember that legitimate institutions will never contact you and ask for your account or confidential information. If you receive a response like this about your account at PremierOne Credit Union, end the conversation and contact the credit union directly at: 1(408)524-4500 or 1(855)500-7128. NEVER respond to any request like this unless you initiated the request yourself.

Tips

The federal government and technology industry have developed practical tips to helping you guard against internet fraud, computer security and protecting your personal information. You can browse the websites below to review ways you can protect yourself from fraud and identity theft.

 

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Welcome

PremierOne Credit Union would like to personalize your banking experience. Please enter your first name below.

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to any other source.

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