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Notes and Disclosures

Privacy Notice and Disclosure (download)

City Public Service/ IBEW Federal Credit Union, your member owned financial institution, is committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes our Credit Union’s privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the Credit Union.

If after reading this notice you have questions, please contact us at: (210) 442-0100 or (210) 353-2376

Mobile Application Privacy Policy (below)

A mobile application privacy policy is a document that explains how the credit union's mobile app collects and uses your personal information, like your name and financial details, and how it keeps that information safe. It tells you what the app does with your information, who it may be shared with, and what security measures are in place to protect it. By understanding the privacy policy, you can make sure your information is handled carefully and securely, which helps protect your privacy and keeps your personal information from being misused.

Accessibility Compliance Policy

City Public Service IBEW Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing, including frequent testing and updates to improve accessibility.Should you have any problems accessing our branches or website, please call us at 210.353.2376 so that we may promptly assist you and remedy any accessibility concerns.

Text Banking Disclosure (download)

City Public Service/IBEW Federal Credit Union Text Banking Terms and Conditions

The following applies to Text Banking. Your use of the City Public Service/IBEW Federal Credit Union (“CPS/IBEW FCU”) Text Banking Service (“Service”) constitutes your agreement to these terms and conditions (the “Text Banking Terms”). “You” and “Your” mean each individual CPS/IBEW FCU account owner or person authorized by a CPS/IBEWFCU account owner. The Text Banking Terms are part of the Electronic Funds Transfer Agreement(“Agreement”), which governs your use of CPS/IBEW FCU’s online and mobile banking services generally, as well as your use of the Service. We may amend the Text Banking Terms, and modify or cancel the Service or any of its features without notice.

You agree to provide us with a valid mobile number, and you represent and warrant that the mobile number that you provide is your own and is associated with a mobile device that you own or lease (“Device”).

You agree that we may send you text messages through your wireless provider. We do not charge for the Service, but your wireless service provider may assess fees for text messaging. You are responsible for all such charges and fees. You understand that balances provided via the Service may not include recent or pending transactions that have not yet posted to your account, and that other restrictions may apply.

Notify us immediately of any changes to your registered mobile number or Device.

In case of unauthorized access to your Device or Service, you agree to cancel enrollment associated with the Device immediately. You are responsible for maintaining the security of your Device.

You agree to indemnify, defend, and hold us harmless from any third party claims, liability, damages or costs arising from your use of the Service or from you providing us with a mobile number that is not your own.

You agree that we will not be liable for failed, delayed, or misdirected delivery of, any information sent through the Service; any errors in such information; any action you may or may not take in reliance on the information or Service; or any disclosure of account information to third parties resulting from your use of the Service.

You understand that CPS/IBEW FCU is not liable for the performance or characteristics of the networks of wireless service providers. We will not be liable to you for special, indirect or consequential damages via transmissions of this Service.

Privacy Policy for City Public Service/IBEW Federal Credit Union Mobile App

Effective Date: 5/16/2023

Thank you for choosing the City Public Service/IBEW Federal Credit Union Mobile App (hereinafter referred to as the "App"). This Privacy Policy explains how we collect, use, disclose, and safeguard your Information when you use our App. Please read this Privacy Policy carefully. By using our App, you consent to the collection, use, disclosure, and safeguarding of your information as described in this Privacy Policy.

Information We Collect
1.1. Personal Information: When you use our App, we may collect personal information that you provide directly to us, such as your name, address, email address, phone number, social security number, account numbers, and other identifying information.
1.2. Financial Information: We may collect financial information related to your City Public Service/IBEW Federal Credit Union accounts, such as your account balances, transaction history, and creditworthiness.
1.3. Device Information: We may automatically collect certain information about your mobile device when you access and use our App, including your device type, operating system, and mobile network Information.
1.4. Photo Information: Our App utilizes a remote deposit capture feature that allows you to deposit checks by uploading photos. When you use this feature, we collect and process the images of the checks, including any personal or sensitive information that may be visible on the checks.

Use of Information
2.1. We may use the information we collect from you for various purposes, including but not limited to:
• Providing and maintaining our App
• Processing your transactions and requests
• Verifying your identity
• Improving our services and developing new features
• Communicating with you about your accounts and updates to our services
• Detecting and preventing fraud and other unauthorized activities
• Complying with legal obligations

Disclosure of Information
3.1. We may disclose your information to third parties in the following circumstances:
• With your consent or at your direction  To our service providers and affiliates who assist us in providing the App and related services
• In response to a valid request from law enforcement, regulatory authorizes, or other government officials
• To protect our rights, privacy, safety, or property, or that of our users or others
• In connection with a merger, acquisition, or sale of all or a portion of our assets

4.1. We strive to implement appropriate technical and organizational measures to safeguard the Information we collect through our App. However, please be aware that no security measures can provide absolute protection, and we cannot guarantee the security of your information.

Children's Privacy
5.1. Our App is not intended for individuals under the age of 18. We do not knowingly collect personal Information from children. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately.

Your Choices
6.1. You can choose not to provide us with certain information, but this may limit your ability to use certain features of our App.
6.2. You may opt‐out of receiving certain communications from us, such as promotional emails, by following the instructions provided in those communications.

Updates to this Privacy Policy
7.1. We may update this Privacy Policy from time to time. We will notify you of any changes by posing the new Privacy Policy on this page and updating the effective date.

Contact Us
8.1. If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at: City Public Service/IBEW Federal Credit Union Address: 1002 Camden St., San Antonio, TX 78215 Phone: 210‐353‐2376