Privacy & Disclosures

Vantage Credit Union: Commitment to Information Security

One of Vantage Credit Union’s most important responsibilities to our members is ensuring the security of their financial information. This includes protecting the availability, confidentiality, and integrity of all member accounts. We take this responsibility seriously, as it has far-reaching implications for the lives and financial well-being of our members.

To control risk, we closely monitor our security posture using the latest in testing, auditing, and reporting technologies. We regularly assess our policies, procedures, and member information systems to ensure they meet or exceed industry standards. Our security program includes:

• Redundant critical systems
  
• State-of-the-art intrusion detection and monitoring
  
• Ongoing risk assessments and internal audits
  
• Annual reviews and updates to our information security program
  

We also work with top-tier partners to stay ahead of emerging threats and evolving technologies.

Regulatory Compliance
Vantage Credit Union’s information security practices are designed to align with applicable federal and state regulations and industry frameworks. These include federal laws and guidelines focused on financial data protection, privacy, and cybersecurity, as well as state-level consumer protection and data security requirements, such as those overseen by the Missouri Division of Credit Unions. Our program is structured to meet these standards while promoting robust risk management and incident response.

Member Education and Protection
It’s also our priority to educate members about information security risks posed by individuals or entities not affiliated with the credit union. These actors may attempt to trick you into divulging sensitive account information for fraudulent purposes.

Identity theft, phishing scams, telephone scams, lottery scams, and internet scams (including bogus job offers and secret shopper schemes) continue to grow. Please remember:

• Vantage Credit Union will NEVER solicit your account number(s), card number(s), PIN, Social Security Number, or other sensitive information via phone, email, or text message.
• We will only request such information if you initiate contact with us, and we need to follow up on your request.
• If you receive unsolicited communications requesting this information, do not respond. Instead, contact us immediately to report the incident and ensure your account remains secure.

Federal Resources for Fraud Protection
We encourage members to explore the following federal resources for additional guidance:

• FTC IdentityTheft.gov
  
• CFPB Fraud Protection Center
• IRS Identity Theft Central
  
• USA.gov Identity Theft Resources
  

If you ever have questions about the security of your information, please don’t hesitate to contact us. Your peace of mind is our priority.

Patriot Act

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 information that identifies each person who opens an account.

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

Financial Statement Notice

The credit union’s financial statement for the previous month is available to members upon request. Thank you.

Browser & Device Recommendations

In order to receive support and to protect the security and confidentiality of digital banking information, you must use a supported application or web browser and device to access digital banking. The following supported operating systems, browsers, and versions represent the minimum approved operating environment. If an unsupported operating system, browser, or version, is used, the experience may not be optimal or secure, or may render certain tools unusable. In some cases, access to digital banking may be completely unavailable. In addition, JavaScript must be enabled and web extensions should be disabled ensuring the most optimal experience.