User Security Information

SDMCU Internet Site
User Information

Welcome to San Diego Metropolitan Credit Union's Internet site. The following information is provided to assist you in understanding the terms under which we operate our Internet site.

Access

This site, including the general content, Internet banking and BillPay may generally be accessed seven days per week, 24 hours per day. Should the site be unavailable due to maintenance, transactions may be performed through MetroLine, the Credit Union's audio response system. During regular business hours, information may be obtained or transactions may be performed through our Phone Branch at 619-297-4835, or through any branch office.

Security

The Internet is a public network. Therefore, it is important to safeguard your personal information, including financial account numbers, credit card numbers, Social Security Number and other data. When personal information is transmitted from our site, it is done so in an encrypted (scrambled) manner. Encryption is utilized on our membership application, additional account request, loan application, mortgage application and any transaction related to Internet banking or BillPay. To show that a transmission is encrypted, we display a small "lock" in the lower right hand corner of our screen. Generally, we include a "Secure Page" banner at the top of these areas, as well. Our general email area, which is provided for you to ask questions, send us comments, or for general correspondence, is not managed in an encrypted environment, so we encourage you to avoid sending personal information through this system.

A note concerning general security on the Internet and with email: If you receive any email warning from any organization indicating account closure unless you respond to sender with confirmation of billing or account information, you should not reply or click on any links contained in the email. Even if you believe the email is legitimate, you should verify through contacting the organization cited in the email via telephone or website address.

You should also review account and credit card statements as soon as you receive them to determine whether there are any unauthorized charges. If a statement is late by more than a few days, you should call our Credit Union or the applicable organization to verify billing address and account balances.

Finally, you should report any suspicious activity to the Federal Trade Commission. Send suspicious email directly to use@ftc.gov. If you believe you have been a victim of a fraudulent scheme, you should file a complaint at www.ftc.gov. For more information on minimizing the risk of damage from identity theft, visit www.ftc.gov/idtheft.

Password Use in Internet Banking

Passwords or Personal Identification Numbers should be used when accessing your account online, as is required in our Internet banking service. Your password should be unique to you and you should change it regularly. You should not share it with others.

Privacy Policy

Credit Unions are required to provide members with their privacy notice regardless of whether business is conducted online or offline. To review our Credit Union's comprehensive Privacy Policy, click here.

Links to other Websites

As a convenience to our members and users, we offer online links to other websites. When using these links, please keep in mind that you are leaving the Credit Union's web site and linking to a site not operated by us. As a result, the Credit Union is not liable for the content, availability or any transactions you may enter into as a result of visiting these linked web sites; additionally, privacy and security policies at these linked sites may differ from our own. Use of an outside provider's services are not insured by the NCUA, and the Credit Union does not guarantee such provider's products or services, although we make every effort to ensure that outside providers impart quality products and services to our membership.

Information Collected at Our Site

When you enter our site, we automatically collect the following for statistical purposes: Internet domain (i.e. www.sdmcu.org) and IP address (the number assigned to your computer whenever you are accessing the Internet) from which you access the site, the date, time and pages viewed. Your email address may also be registered.

When sending a general email, which includes comments or questions, the email file is maintained by us both to assist in responding to you and for general business purposes.

Credit Union Contact with You

As noted in our Information Collected area, your email address may be registered when you enter this site, and may be used occasionally for communications to you. Anytime you receive email communications from us, you will have an opportunity to reply and request that your address be removed from our mailings.

Children's Use of Our Site

The Children's Online Privacy Protection Act applies to individually identifiable information about a child, such as name, address or telephone number, that is collected online. While our website is intended primarily for use by adults, there may be areas designed for minors. In the event that children visit these areas, please note that no personal/identifying information will be gathered. Children wishing to contact us electronically should obtain parental permission prior to doing so.

Contacting Us

If you wish to contact us regarding our Internet site, you may do so by emailing us at memberservices@sdmcu.org or by mailing us at San Diego Metropolitan Credit Union, P.O. Box 719099, San Diego, CA 92171-9099.

Some information contained in this User Information overview is taken from the NCUA publication, Tips to Safely Conduct Financial Transactions Over the Internet.

The general content of this Internet site is copyrighted by San Diego Metropolitan Credit Union. © 2001 Copyright San Diego Metropolitan Credit Union