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New Accounts

Important Information about Procedures for opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record all information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. You will be asked to provide your driver’s license or other identifying documents.

Equal Housing Lender

We do Business in Accordance With Federal Fair Lending Laws

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:

  • Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or
  • Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing & Urban Development
Washington, D.C. 20410
For processing under the Federal Fair Housing Act

and to:
National Credit Union Administration
Office of Examination and Insurance
1775 Duke Street
Alexandria, VA 22314-3428
For Processing under NCUA Regulations

Equal Credit Opportunity Act

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

  • On the basis of race, color, national origin, religion, sex, marital status, or age,
  • Because income is from public assistance, or
  • Because a right was exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

National Credit Union Administration
Office of Examination and Insurance
1775 Duke Street
Alexandria, VA 22314-3428

Unlawful Internet Gambling Enforcement Act

NOTICE REQUIRED BY THE UNLAWFUL INTERNET GAMBLING ENFORCEMENT ACT (UIGEA):

Federal laws require that you be provide with notice under the referenced Act. The Credit Union account agreements provide the following (together with other agreements regarding such account/transaction activity with us). Transactions through third parties such as VISA, MasterCard and NACHA will also be affected by this law.

INAPPROPRIATE AND/OR GAMBLING TRANSACTIONS

Certain federal and/or state laws such as the Unlawful Internet Gambling Enforcement Act or Third Party Service Providers’ Rules may limit or prohibit certain transactions such as (but not limited to) those coded as possible gambling transactions. The Credit Union may decline to accept, process or pay any transaction that we believe to be illegal or unenforceable (regarding your obligation to pay us or otherwise) under applicable law; or which is otherwise limited or prohibited, including but not limited to any transaction involving or relating to any gambling activity. Such prohibition or limitations may affect some otherwise proper or allowable transactions such as debits, charges or other transactions at or relating to a hotel-casino. You understand and agree such limitations/prohibitions are not within the Credit Union’s control and that the Credit Union will not have any liability, responsibility or culpability whatsoever for any such use by you or any authorized user(s); or for declining to accept, process, or pay any such transaction. You further agree to indemnify and hold the Credit Union harmless from any suits, liability, damages or adverse action of any kind that results directly or indirectly from any such use of your account and/or access devices.

Visa Notice

When you use your Visa Check/Debit Card at certain merchants and you do not enter a PIN, transactions may be processed as either a Visa Check/Debit Card transaction or a transaction on the STAR, PULSE, NYCE, COOP, or ACCEL/Exchange network. One or more of these networks may be displayed on the back of your debit card. Merchants must provide you with a clear way of choosing to make a Visa Check/Debit Card transaction if they support this option. Please be advised that should you choose to use STAR, PULSE, NYCE, COOP, or ACCEL/Exchange network when making a transaction without a PIN, different terms may apply, and you will not be eligible for certain Visa benefits. Certain protections and rights applicable only to Visa Check/Debit Card transactions as described in your cardholder agreement will not apply to transactions processed on the STAR, PULSE, NYCE, COOP, or ACCEL/Exchange network.

If you have any questions, please contact PSCU at 1-727-299-2449 or 1-855-517-2618.

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Our Approach to Social Media

Fire Police City County Federal Credit Union (Credit Union) sponsors select pages on social media outlets that include, but are not limited to, Facebook and Twitter. We strive to be an organization that develops community value through everything we do. We want to engage with people about issues that matter to them and where we can make the greatest impact in our communities. Please understand that non-Credit Union postings to Credit Union sponsored pages are not representative of the opinions of the Credit Union. Nor does Fire Police City County FCU confirm the accuracy of content posted by other users.

DO NOT INCLUDE PERSONAL OR ACCOUNT INFORMATION IN POSTS OR PRIVATE MESSAGES. We will never discuss a member’s personal transactions or account information online and instead direct our members to Contact Us to keep nonpublic personal information confidential.

The Credit Union is not affiliated, nor responsible, for the security, privacy or any other operations of the social media outlet or service or third party applications and advertising that may be connected to or linked to by them. We discourage clicking on links posted by other users, as these links may pose risk to your computer or take you to inappropriate sites. We do not compensate for suggestions or ideas posted on Credit Union sponsored pages and we reserve the right to remove postings that are:

  • Abusive, defamatory, or obscene
  • Fraudulent, deceptive or misleading
  • In violation of any intellectual property right of another
  • In violation of any law or regulation
  • Promoting or advertising a business, service or entity unrelated to Fire Police City County FCU
  • Otherwise inappropriate

Refer to the specific social media site outlet regarding their privacy and security policies.

Fire Police City County FCU Privacy Notice.

Commitment to Minor’s Privacy

Our website is structured to be a minor friendly web page. We are committed not to collect or maintain personally identifiable information from those who we know are minors under the age of 13.