• Your Privacy

Privacy Policy

MidSouth Community Federal Credit Union respects the privacy of visitors to our web site. This Privacy Policy is intended to provide information about how we will treat information you provide to us through our web site. Your use of our web site constitutes your acceptance of this policy.

We reserve the right to change this policy at any time by posting a new privacy policy. Nothing in this statement affects our ability to collect, combine, use, verify, retain and report (including sharing with our regulators) information submitted in connection with the provision of products and services or obtained from public sources or third parties.

Personal Information

MidSouth CFCU does not collect data about individual web site users. We currently collect and store aggregate information that does not personally identify you. This information is used to monitor peak usage times and track which areas of our web site are of the most interest to visitors.

Safeguarding Your Information

In today’s high tech world, we are able to do things more quickly and conveniently electronically whether it is to send a letter via email, pay bills or even go shopping online. With this increase in speed and convenience also comes increased risk. Every day, unscrupulous individuals are busy developing new scams targeting the unsuspecting public. At MidSouth Community Federal Credit Union, the security of customer information is a priority. We are strongly committed to the safety and confidentiality of your records. One of the best ways to avoid fraud is to become an educated consumer and we would like to help you in this endeavor. Please take a moment to read this important information on how to keep you safe when conducting business online:

How to Keep Yourself Safe in Cyberspace

An important part of online safety is knowledge. The more you know, the safer you’ll be. Here are some great tips on how to stay safe in cyberspace:

1. Set good passwords. A good password is a combination of upper and lower case letters and numbers and one that is not easily guessed. Change your password frequently. Don't write it down or share it with others.

2. Don't reveal personal information via email. Emails and text messages can be masked to look like they are coming from a trusted sender when they are actually from someone else. Play it safe, do not send your personal information such as account numbers, social security numbers, passwords etc. via email or texting.

3. Don't download that file! Opening files attached to emails can be dangerous especially when they are from someone you don't know as they can allow harmful malware or viruses to be downloaded onto your computer. Make sure you have a good antivirus program on your computer that is up-to-date.

4. Links aren't always what they seem. Never log in from a link that is embedded in an email message. Criminals can use fake email addresses and make fake web pages that mimic the page you would expect. To avoid falling into their trap, type in the URL address directly and then log in.

5. Web sites aren't always what they seem. Be aware that if you navigate to a Web site from a link you don't type, you may end up at a site that looks like the correct one, when in fact it's not. Take time to verify that the Web page you're visiting matches exactly with the URL that you'd expect.

6. Logoff from sites when you are done. When you are ready to leave a site you have logged in to, logoff rather than just closing the page.

7. Monitory account activity. Monitor your account activity regularly either online or by reviewing your monthly statements and report any unauthorized transactions right away.

8. Assess your risk. We recommend periodically assessing your online banking risk and put into place increased security controls where weaknesses are found; particularly for members with business accounts. Some items to consider when assessing your online banking risk are:

• Who has access to your online business accounts?
• How and where are user names and passwords stored?
• How strong are your passwords and how often are they changed? Are they changed before or immediately after terminating an employee who had access to them?
• Do you have dual controls or other checks and balances with respect to access to online banking transactions?

What to Expect From MidSouth Community Federal Credit Union (MSCFCU)

• MSCFCU will NEVER call, email or otherwise contact you and ask for your user name, password or other online banking credentials.
• MSCFCU will NEVER contact you and ask for your credit or debit card number, PIN or 3-digit security code.

Rights and Responsibilities

With respect to online banking and electronic fund transfers, the Federal government has put in place rights and responsibilities for both you and the credit union. These rights and responsibilities are described in the Members Guide to Services you received when you opened your account with MidSouth Community Federal Credit Union. You can also find them online under the disclosures link. Ultimately, if you notice suspicious account activity or experience security-related events, please contact the credit union immediately at 800.736.8407. Also, please visit www.onguardonline.gov and/or http://ftc.gov/bcp/index.shtml to find out more about protecting yourself.

E-mail Communication

You are not required to disclose to MidSouth CFCU any personal identifying information when you visit the web site, however you may choose to contact us via e-mail, which does require the disclosure of personal identifying information. When you communicate with us by e-mail, we use your e-mail address and other personal information for the specific purpose you requested and for responding to your questions or comments. We will not sell, trade, or otherwise disclose personal identifying information unless we are compelled to do so by law.

Opt-in E-mail List

You may choose to provide your e-mail address and other personal identifying information by signing up for our e-mail mailing list. This disclosure of personal information is entirely voluntary, and if you choose to provide it, MidSouth CFCU will use it to send educational and promotional e-mail messages about our products and services. It is our policy to include instructions on how to unsubscribe from this list in every e-mail we send. We will not sell, trade, or otherwise disclose your e-mail address unless we are compelled to do so by law.

Links to Other Sites

MidSouth CFCU's web site offers links to external Internet sites. These links are offered as a service, and MidSouth CFCU does not control the content nor endorse products offered on them.

Terms and Conditions

The information, text, and graphics included on the MidSouth Community Federal Credit Union web site are protected by the copyright laws of the United States and international treaties. The information contained in this web site is subject to change. Not all products and services are available in all geographic areas. Your eligibility for any particular product or service is subject to approval by MidSouth.