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.

If you visit our website, Carolina Cooperative Credit Union collects and stores information on the domain you use to access our website, the Internet address of the site from which you linked directly to the site, and the date and time of your visit. This information is used to measure the number of visitors to the various pages on our site to better serve our membership.

If you send an e-mail, Carolina Cooperative Credit Union collects and stores personally-identifying information in order to process your e-mail, form or application. This information is not sold to any third parties. 

If you visit a secure site, such as home banking, you will be asked for personal identification numbers which will give you access to the member only section of our website. This information enables Carolina Cooperative Credit Union to regulate entry to the member only portions of our website and to measure member usage. Any identifying information gathered is not sold to third parties.

If you link to another site from any of our pages, you are leaving our site pages, and we cannot be held responsible for any information that may be gathered at a linked site. We make every effort however, to ensure that all linked sites follow similar privacy policies as ours to offer you maximum security and privacy.

Negative Information Reporting Notice

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.

Customer ID Program

(Member Disclosure)

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:

• A copy of a government issued photo form of identification (i.e. driver’s license, military ID card, government employee ID card, passport, visa, permanent resident card, which is either a green card or alien registration receipt card)
• The full legal name, date of  birth and residential street address for individuals (PO boxes are acceptable for mailing address, but not for member identification.  For military personnel without a residential street address, an Army PO or Fleet PO Box number is acceptable)
• Tax Identification Number (for individuals, a social security number, an individual taxpayer identification number, or for businesses an employer identification number)

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.

Third Party Links

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.