Privacy Policy & Disclosures

Privacy Disclosure

Allegis Credit Union is owned by its members and run by a board of directors that you elect. You can be confident that your financial privacy is a top priority of the Credit Union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. If you have questions regarding this privacy notice, please contact a member service representative at 269-372-4455.

We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide either service to us or additional financial products for you to consider. Under these arrangements, we may disclose all of the information we collect, as described below, 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 our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell to other third parties the information we provide to them.

Website Privacy Disclosure

While accessing Allegis Credit Union's website, rest assured that your e-mail or application information to the credit union will not be disclosed to any outside individual or organization.  As always, Allegis Credit Union maintains the highest level of confidentiality concerning your financial affairs. Additionally, Allegis Credit Union has taken the appropriate measures to ensure that online information is protected so that the information is securely transmitted and received.  Please click on the RampX logo appearing on our on-line loan application page, or the Verisign logo appearing on our on-line banking page for more information.

Error Resolution Notice

In case of errors or questions about your electronic transactions, contact us as soon as possible. We must hear from you no later than sixty (60) days after we send the first statement on which the error occurred. If you contact us by telephone, we may require that you send us an explanation in writing. If we need more time, we may take up to 45 calendar days. If we do this, we will credit your account within ten business days for the amount of the error in question. We will notify you with the results within three days after completing the investigation. If there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you discover an error, contact us at (269) 372-4455 or mail to: PO Box 177, Oshtemo, MI 49077.

Business Account Electronic Transactions Notice

We may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing Houses (ACH) and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state of Michigan as provided by the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account.

Information We Collect and Disclose About You

We collect and may disclose nonpublic information about you from the following sources: Information we receive from you on membership and loan applications and other forms; Information about your transactions with us or others; Information we receive from a consumer reporting agency; Information obtained when verifying the information you provide on an application or other forms, such as from your current or past  employers or from other institutions where you conduct financial transactions. We may also disclose information we collect about you under other 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. If you terminate your membership with Allegis Credit Union, we will not share information we have collected about you, except as permitted or required by law.

How We 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 are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with Federal Regulations and leading industry practices to safeguard your nonpublic personal information.

The Fact Act

Allegis Credit Union may report information about your account(s) to Credit Bureaus.
Late payments, missed payments or other defaults on your account may be reflected in your credit report.