Allegheny Health Services Employees Federal Credit Union is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. To assure the continued privacy and confidentiality of your personal financial information, your credit union observes the following practices and procedures:
We collect nonpublic information about you from some or all of the following: Information we receive from you on applications or other forms; information about your transactions with us, our affiliates, or others; and information we receive from a consumer reporting agency.
We do not disclose any nonpublic personal information about our members and former members to affiliates or non-affiliated third parties except as permitted by law.
We restrict access to nonpublic 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 information.
As a member of the credit union, you also have a responsibility to safeguard your financial information. Protect your account numbers. Use caution when disclosing your account numbers, social security numbers, etc. to other persons. Keep your information with us current. If your address or phone number changes, please let us know.
UCC 4A DISCLOSURE
Provisional Payment Disclosure
Credit given by AHSEFCU to you with respect to an automated clearing house credit entry is provisional until AHSEFCU receives final settlement for such entry through a Federal Reserve Bank. If AHSEFCU does not receive such final settlement, you are hereby notified and agree that AHSEFCU are entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid you in the amount of such entry.
Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account, AHSEFCU is not required to give next day notice to you of receipt of an ACH item and AHSEFCU will not do so. However, AHSEFCU will continue to notify you of the receipt of payments in the periodic statements we provide to you.
Choice of Law Disclosure
AHSEFCU 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 Pennsylvania as provided by the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving a your account.