Carolina Cooperative Credit Union is committed to protecting the privacy of our members. In general, you can visit us on the World Wide Web without disclosing to us who you are or revealing any information about yourself. There are several areas, however, that will collect certain information about you and we want you to know how we handle that information.
The Fair and Accurate Credit Transaction Act of 2003, or FACTA, was passed in December 2003 to help consumers with their credit and help prevent identity theft. This new legislation requires us to give the following notice to members before any "negative information" may be furnished to a national credit reporting agency:
We may report information about your account(s) to credit bureaus. Late payments, missed payments or other defaults on your account(s) may be reflected in your credit report.
Carolina Cooperative Credit Union’s Customer Identification Program is designed to protect our members and the Credit Union from fraudulent and illegal activity when opening an account with the Credit Union. The Carolina Cooperative Customer Identification Program is a necessary requirement to comply with the USA Patriot Act, International Money Laundering Abatement and Anti-Terrorist Financing Act, and the Customer Identification Program of the USA Patriot Act.
Positive identification of all individuals, businesses, minors and non-US citizens will be required before opening a new member account or additional accounts for existing members. Part of the Credit Union’s internal screening procedures of members opening new or additional accounts with the Credit Union, requires the member to provide certain information and some form of government issued photo identification. The requirements are as follows:
We ask our members for their full understanding and cooperation with the Credit Union’s compliance efforts with federal laws designed to battle fraudulent and illegal account activity in financial institutions.
Our site provides links to other web sites accessible via the Internet. These sites are created and maintained by other organizations. The Credit Union does not control or guarantee the accuracy, relevance, timeliness or completeness of the information on these sites.
Additionally these sites may use “persistent” and/or “non-persistent” (session) cookies. Persistent cookies store information in a small text file which is placed on the hard disk of your computer. These cookies can contain a variety of information, from a simple count of how often you visit a web site to information that allows customization of a web site for your specific use.
Non-persistent cookies are temporarily stored on your web browser and set to expire after you end a web session. These cookies are often used to manage traffic on a web site.
Any problems or questions concerning these third party websites should be directed to the Credit Union at 1-800-726-8901.