Red Canoe Credit Union is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members.
Under federal law, we are required to give you this privacy notice. It describes our credit union's privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.
Download full privacy policy.
Protecting Your AccountAt Red Canoe Credit Union, the security of member information is a top priority. We are strongly committed to the safety and confidentiality of your personal information. One of the best ways to avoid fraud is to become an educated consumer and we would like to help you in this endeavor.
What to Expect From Red Canoe Credit Union
- Red Canoe will NEVER call, email or otherwise contact you and ask for your Online Banking user name, password, or other Online Banking credentials.
- Red Canoe will NEVER contact you and ask for your credit or debit card number or PIN.
- Red Canoe will NEVER ask via email or text for your personal information, such as your Social Security number, card numbers, PINs or passwords. Red Canoe does not conduct financial transactions via email. If you receive such a request via email or text, please do not respond or click on any links within it.
Tips for Protecting Your Accounts Online
1. Set good passwords. A good password is a combination of upper and lower case letters, numbers and special characters. Set your password to something that is not easily guessed and change your password frequently. Do not write it down or share it with others.
2. Don't reveal personal information via email or text. 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 unknown file! Opening unknown files attached to emails can be dangerous especially when they are from someone you do not 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 are not 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 are not 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 are visiting matches exactly with the URL that you would 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. Monitor account activity. Monitor your account activity regularly either online or by reviewing your monthly statements and report any unauthorized transactions right away. Always contact the credit union by phone at 800-562-5611 if you feel your personal information has been compromised.
Online Security
To protect the information you provide us online, we use multiple levels of security. The application information we accept online and our Online Banking service relies on industry standard "Secure Sockets Layer" (SSL) encryption to secure your transaction information and communication. When you visit our Web site, you can access site information, without revealing your personal identity. However, in order to help us identify you for future site visits, we use "cookies" to track your visit. A "cookie" is a piece of information that our web server stores on your computer hard drive and retrieves later. The cookie will not request, require or collect personal identity information and you remain anonymous. Your member information is not accessed by or stored within a cookie in any way.
Email Security
The Credit Union does not consider email to be a secure form of communication for sensitive information. Please do not email personal or account information to the credit union. If you need specific account assistance please call the Credit Union at 800-562-5611 so we can assist you and protect your personal and account information.
Rights and ResponsibilitiesWith 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 Account Information Disclosures you received when you opened your account with Red Canoe Credit Union. Ultimately, if you notice suspicious account activity or experience security-related events, please contact the credit union immediately at 1-800-562-5611.
Identity Theft Resources
Free Annual Credit Report
The Fair Credit Reporting Act (FCRA) allows consumers to view their credit reports on an annual basis through the national credit reporting agencies of Equifax, Experian and TransUnion. Reviewing your free credit report on an annual basis will help reduce the impact of fraud and identity theft on your Social Security Number.
Visit www.annualcreditreport.com to view your free annual credit report or call 877-322-8228 for more information.
- Equifax: 800-685-1111
- TransUnion: 800-888-4213
- Experian: 888-397-9742
You can also use BALANCE to review your report, a free service offered to members of Red Canoe Credit Union. BALANCE will provide a low-cost credit report and help you understand your rights.
ID Theft Prevention Tips
- Sign up for eStatements and keep your paper statement out of your unsecured home mailbox.
- Keep your personal information safe.
- Don’t leave financial information where others can view it, either at home or at work.
- Shred/burn documents, especially financial statements, credit applications or credit card convenience checks.
- Take your mail to the post office or collection boxes.
- Do not give out personal information by phone or email. Remember that the credit union will never ask for your personal account information through email. Be wary of anyone asking to “verify” information through these channels.
- Do not carry anything with your Social Security number on it.
- Do not open emails if you don’t know who sent it (especially with attachments).
- Review your credit report(s) at least once a year.
Victims of Identity Theft
If you are a victim of identity theft, here are some steps you should take immediately:
- Contact the credit union and other financial institutions you belong to.
- Contact the credit bureaus to place a Fraud Alert on your accounts. You should also order a credit report to track any fraudulent activity you aren’t aware of.
- Contact your local police department. Having filed a police report may help when dealing with future creditors.
- Contact the Federal Trade Commission. They have an identity theft hotline, and can also help you prepare an ID Theft Affidavit to provide to creditors.
- Contact the Social Security Administration if someone is using your number.
Red Canoe also offers additional Identity Theft Resources through our free BALANCE program. Please visit their site for prevention tips and recovery guides.
Contact Information
Red Canoe Credit Union
800-562-5611
Fraud x5311
After hours Card Services 800-754-4128
Equifax - www.equifax.com
Fraud Reporting 800-525-6285
TDD 800-255-0056
Experian - www.experian.com
Fraud Reporting 888-397-3742
TDD 800-972-0322
TransUnion - www.transunion.com
Fraud Reporting 800-680-7289
TDD 877-553-7803
Federal Trade Commission - www.ftc.gov
ID Theft Hotline 877-IDTHEFT
TTY 866-653-4261
Social Security Administration - www.socialsecurity.gov
Fraud Hotline 800-269-0271
All materials on this site are © 2012 Red Canoe Credit Union unless otherwise specified. No materials on this site may be used elsewhere without express permission. Information provided on any form or application is provided to the credit union in a secured format and is delivered directly to a staff member at the credit union.
Third Party Web Sites Disclaimer:
Red Canoe Credit Union is not liable for the content or availability of linked sites. Any web site you visit by a link from this site is solely the responsibility of the vendor, merchant, or other party providing the site. Links that may be accessed via this site are for the convenience of browsers only. The content of, including materials and information contained on, any site to which you link from this site is solely the responsibility of the provider of that web site. Any transactions that you enter into with a vendor, merchant or other party listed in this site or linked from this site are solely between you and that vendor, merchant or other party. Red Canoe Credit Union is not responsible for any such third party content that may be accessed via this site. Red Canoe Credit Union does not endorse the content contained in these sites, nor the organizations publishing those sites, and hereby disclaims any responsibility for such content. You are also encouraged to read the privacy statements of each linked site provider as Red Canoe Credit Union is not responsible for that site's privacy practices.
