Privacy & Security
Your financial privacy
is a top priority.
4Front Credit Union is owned by its members and operated by a board of directors elected by the membership. You can be confident that your financial privacy is a top priority of your credit union.
A Note to Our Members
Information We Collect
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 name, address and income
- Account balances and transaction history
- Credit history and credit scores
Information We Disclose
We do not disclose or sell information to non-affiliated businesses or third parties desiring access to our member information. We may disclose information we collect about you under 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, follow your instructions as you authorize, or protect the security of our financial records.
We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you with our affiliates, to complete your transactions and to provide you with certain financial opportunities. We have also entered into agreements with other companies that provide either services to us or additional financial products for you to consider. Under these agreements, we may disclose information we collect to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect your privacy, we require these companies to agree to maintain strong confidentiality protections and we prohibit their use of this information other than to carry out the purposes for which it is disclosed.
If you terminate your membership with 4Front Credit Union, we will not share information we have collected about you, except as permitted or required by law.
Steps We Take to 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, members of the Board of Directors and Committee Members shall maintain confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and industry practices to safeguard your nonpublic personal information.
Linking to Other Web Sites
4Front Credit Union is not responsible for the content of any third party website or the privacy practices of such third parties. In addition, a link from our website to another website does not indicated that 4Front Credit Union endorses the services or policies of such third party website. You should always investigate the information practices of all websites that you access and carefully examine the privacy policies, if any, of the sites appearing on or linking to or from www.4frontcu.com. Information collected from the linked websites will be subject to the information practices of those websites.
Our Mobile App and Your Local Data
Our mobile banking app periodically collects, transmits, and uses geolocation information to support features that prevent fraudulent card use and alerts, but only if you expressly authorize the collection of such information. You may choose whether geolocation information can be monitored on a continuous basis in the background, only while the app is being used, or not at all. You can change your location permissions at any time in your device settings.
4Front Credit Union prioritizes the protection of our members' critical information and privacy. With this in mind, we have the following security services installed on our Internet server:
- Each server is located behind and protected by a firewall.
- Each server runs proprietary software that constantly monitors the servers for unauthorized use and any attempts to "hack" into information. Administrators are contacted when forced attacks are committed, and countermeasures can be applied to stop these instances.
- All administrative activity requires user log-in and authentication. All administrative updates are logged into files that can be reviewed later.
- All servers come with a Global Verisign Certificate (RSA) for digitally encrypted communications between the Web server and your member. Information passed in applications cannot be decrypted by third parties attempting to "pick" information being passed across the Internet backbone.
Receiving Encrypted Email
We encrypt sensitive email correspondence to our members using protections provided by Zix Corp, an industry leader in security technology. View more information about our Encrypted Email User Awareness Program, including step-by-step instructions how to receive encrypted email from 4Front and how to reply using the same protections.
USA Patriot Act
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. 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.