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Online Privacy


Online Privacy



Learn how, in general terms, your personal information is collected and used within the online banking section of our site. 

The online banking area of the site is the area of our website that requires you to use your Member ID and Personal Access Code (PAC) to enter.

Controlled access to your information

To make sure you’re the only person accessing your personal financial information, we restrict access to the online banking section of the site by requiring that you enter your Member ID and PAC, which only you know, to log in. Our employees do not have access to your PAC, and they will not ask you to reveal it. If someone asks you to reveal your PAC, refuse them and contact us immediately.


Transactional services

Our internet banking site has many transactional functions, like transfers and bill payments. These transactions are all logged, which ensures that your accounts are debited or credited appropriately while keeping a history of each transaction to verify your account information. 


We store and use your transactional information the same way we would if you banked in-person. We may also use transactional information for servicing your account (for example, billing you for transactions performed or services used).


Creating a secure channel

We create a secure channel between your browser and our server to protect your information when you use our site. To learn more about how we do this, please review our information on internet security.


Application forms

We provide secure online application forms. These forms capture the personal information we use to provide the products and services you request. This information is processed in a similar way to application forms received in-person or over the phone.


Website usage statistics

To continually improve our site, we collect statistics about how our members are using it. These usage statistics are only viewed in the aggregate and are not associated with you as an individual. We use this information to improve the pages that members tell us could be better.


The information collected could include your IP address, your browser type, and your operating system, as well as the number and types of pages visited, and the length of time spent per page and on the site overall.


Our use of cookies

Cookies are small information tokens that sit on your computer. As you use our site, cookies are passed back and forth between our server and your browser.


We use two kinds of cookies: session cookies and persistent cookies. A session cookie only exists while you browse, and is deleted when you close your browser. A persistent cookie stays on your computer even after you close your browser, and may or may not expire on a given date.


We use session cookies to maintain the integrity of your online banking session. They help us distinguish your session from the many others that may be happening at the same time. It’s important to know that they never store any personal information or financial information.


We may use persistent cookies to (i) provide you with a customized experience by recording your preferences; (ii) gather statistical information such as average time spent on a page; and (iii) to show you targeted marketing information about us when you visit other websites. The data gathered provides us with information on how we can improve the design, content and navigation of our website.


Many web browsers give you control over which cookies you let websites use, and how your browser uses them. You can set your browser to notify you when a website uses a cookie so that you accept cookies from only known, reliable sites such as this one. If you’re concerned about cookies, we encourage you to upgrade your browser and review its Help section, to learn more about specific control features.


Memorized accounts feature

We use a persistent cookie to store the information that lets you personalize the site and to make it easier to use. This makes logging in easier by remembering your information within our Memorized Accounts feature. Since the Memorized Accounts feature is optional, this cookie only contains information that you have entered into it. We never store your Personal Access Code (PAC) in a cookie.


Logout button

To ensure that no-one else can access your personal information, always use the logout button to end an online banking session, located at the top of every page. When you exit using the logout button, we delete your session cookie so that your session cannot be resumed unless your Member ID and PAC are re-entered.


Automatic session time-outs

In the event that you leave your computer without logging out, our site will end your session automatically if our system detects that you haven’t been active for several minutes. To restart the session, you will need to provide your PAC again.


Email

To communicate with us electronically, we strongly recommend that you use our Contact Us feature. This feature provides a secure channel for sending us comments, questions or instructions.


General email is not secure since it passes through many points on its route from you to us. If you have to use email to communicate with us, do not include personal financial information (such as account numbers), as we cannot guarantee its confidentiality en route to us.


When you email us your comments, questions or instructions, you provide us with your email address and we use it to correspond with you. We then store your email and our replies to you in case we correspond further.


Links to other sites

Our site may contain links to other websites or Internet resources. However, we have no control over these other websites or Internet resources and do not control their collection, use and disclosure of your personal information. Always review the Privacy Statements of the sites that you are viewing.