Privacy Statement

Your Privacy is Important to us

At Sunrise Credit Union, we are committed to protecting your privacy and safeguarding your personal and financial information. While the Internet is revolutionizing the way that we do business — providing convenient access to financial services from your home or office — we also recognize that it may bring legitimate concerns about Privacy and Security.

This Privacy Statement describes how your personal information is collected, used and disclosed within our MemberDirect^® Internet banking site. The MemberDirect^® site is the area of our website that requires you to use your Member ID and Personal Access Code (PAC) to enter.

For more information on all of our corporate Privacy Policies and Practices please click here to view our corporate Privacy Policy.

Controlled Access to your Information

To ensure that you are the only person accessing your personal information, we restrict access to the MemberDirect site by requiring that you enter your Member ID and PAC to login. Only you know your PAC. Our employees do not have access to your PAC, and they will not ask you to reveal it. If someone does ask you to provide your PAC to them, we ask that you refuse to do so and contact us immediately.

Transactional Services

By nature, our Internet banking site has many transactional functions such as transfers between accounts and bill payment functions. These transactions are all logged to ensure that your accounts are debited or credited appropriately, and a history of each transaction is available to verify your account. We store and use your transactional information in the same fashion as if you performed the transaction at a branch or any other service channel.

We may also use transactional information for servicing your account—for example, billing you for the particular transactions that you perform, or for the services that you use.

Creating a Secure Channel

To create a secure channel between your browser and our server, we use 128-bit Secure Socket Layer (SSL) encryption, the highest level available. To learn more about 128-bit SSL encryption, and our security policies, please review our security information.

Application Forms

To provide you with a convenient method for applying for loans and mortgages, or for purchasing other financial services products such as Registered Savings Plans, we may provide secure online application forms. By nature, these forms capture personally identifiable information that we use to provide you with the products and services that you have requested. This information is processed in a fashion similar to that of application forms received through our other channels. The information contained in the application may be archived or stored, as governed by existing law or policy.

Website Usage Statistics

To continually improve our site, we often collect information about how our Members are using it. These usage statistics are only viewed in the aggregate—and are never tied to an individual.

We use this information for purposes, such as improving the pages where our members are having difficulties, and ensuring that we have the appropriate infrastructure in place to service future needs.

The information collected may include your IP address, your browser type and your operating system, as well as data that is passively generated as you browse the site, such as the number and types of pages visited, and the length of time spent per page and on the site overall.

Memorized Accounts Feature

We use a persistent cookie to store information to help you personalize the MemberDirect site and to make it easier to use. For example, we allow you to make the MemberDirect login easier by remembering your Member ID and Branch within our Memorized Accounts feature. Since the Memorized Accounts feature is optional, this cookie only contains information that you have entered into it.

Logout Button

To ensure that someone cannot access your personal information, always exit the MemberDirect site using the logout button located at the top of every page. When you exit using the logout button, we delete your session cookie so that your session cannot be resumed unless your Member ID and PAC are re-entered.

Our use of Cookies

We also use a key web technology called cookies. A cookie is a small information token that sits on your computer. As you use the MemberDirect site, cookies are passed back and forth between our server and your browser. While cookies can be used for a variety of reasons, we only use cookies where they are of benefit to our members.

Specifically, we use two kinds of cookies—session cookies and persistent cookies. A session cookie exists only for the length of your browsing session and is deleted when you close your browser. A persistent cookie is a cookie that stays on your computer after you close your browser. A persistent cookie may or may not expire on a given date.

We use a session cookie to maintain the integrity of your Internet banking session. With each page that you visit, the cookie is passed back and forth between our server and your browser. We use the cookie to distinguish your session from the many others that may be happening at the same time. Our session cookies never store any personal information, such as your name, date of birth, or financial information, such as your accounts and balances.

Most recent browser versions allow you to set some level of control over which cookies are accepted and how your browser uses them. For example, it may be set to notify you when it is receiving a cookie so that you accept cookies from only known, reliable sites such as this one. If you are concerned about cookies, we encourage you to upgrade your browser to a recent version and review the Help section of your browser to learn more about its specific control features.

Most recent browser versions allow the user to set some level of control over which cookies are accepted and how your browser uses them. Many browsers will allow you to accept cookies from only known, reliable sites that you select such as the MemberDirect site. If you are concerned about cookies, we encourage you to upgrade your browser to a recent version and review the Help section of your browser to learn more about it's specific control features.

Enhanced Security Feature:

On the login screen, our Enhanced Security feature provides you even greater control over your Privacy.

When you click on the Enhanced Security checkbox, the MemberDirect^® site will prevent your browser from caching (storing in the computer's memory) those pages that you have viewed. Should you click on the Back button to view a previous page during a session, the page will be recalled directly from our server. Therefore, when you logout, no one will be able to view your information by clicking on the Back button, or by viewing the browser's History.

Use this function if you are accessing your accounts from a publicly available computer such as in a library or airport. You may also want to consider using the feature if you are using a computer at work, or a friend's computer, to access your accounts.

Once again, it is important to remind you to always logout of the MemberDirect® site using the logout button.

Automatic Session Time-outs

In the event that you leave your computer without logging out, the MemberDirect site has been designed to end your session automatically if our system detects that you haven't provided any instructions or used the browser buttons to navigate for several minutes. To restart the session, you will need to provide your PAC again.

Online Scams

While pickpockets can only target a few people each day, Internet fraudsters cast their nets more expansively, using the anonymity and reach of mass emails and fake websites. You can protect yourself from these situations by knowing how to identify and avoid these scams.

Phishing

Phishing works by sending communications, which appear to be from your financial institution, but are not. You are asked, supposedly by your financial institution, to log into your online banking to verify account information. Often some security concern is cited as the issue. The fake email instructs you to click on a link that takes you to a non-legitimate version of your online banking site – one that is essentially indistinguishable from the legitimate site – where you're asked to enter your credentials.

Once you click on the link, which directs you to a phishing website, you'll be prompted to enter personal or banking information. Phishing scams seek personal details, such as your address, social security number, or mother's maiden name. The details obtained will then be used for identity theft.

Scam emails purporting to be from your credit card company or financial institution often have some telling signs, including:

Poor spelling or grammar
Alarmist content, warning that your account will be closed if you don't provide your banking or personal details immediately.
Notices that you've won a prize and are required to pay a fee to claim it

Never provide personal details or any account details in an email. Electronic messaging is not a secure form of communication. If you receive a message that you are unsure about, don't hesitate to contact us.

Pharming

Pharming occurs when hackers use malicious code on your PC, compromising your computer's host file and redirecting you to fake websites. The malware hides the fraudulent URL, cloaking it in the legitimate one that appears in your browser. With pharming, the dishonest redirection of URLs happens even when you type correct URLs directly into your browser, making you think that you're on the right website when you are not. Once there, you are asked to enter your online banking credentials or account information, which hackers take and use for criminal activity.

How to Avoid Phishing and Pharming Scams

We will never send you emails or communications asking you to verify or provide your online banking details. The best way to protect yourself is never to use a link provided in an email to access your online banking (because we don't send those; scammers do). Do not open emails or email attachments from unknown sources. Scan email through your anti-virus software.

Always type your financial institution's website address directly into your browser and remember to look for confirmation that you are browsing securely. The letter "s" in 'https' indicates you are navigating in a secure site compared to the open and unprotected 'http' URLs. Look for the 'https' when online shopping, too.

Anti-Virus Software

Install anti-virus software on your computer to protect your information, money, and privacy. Such software detects viruses and cleans your computer so that harmful viruses do not spread. Set up your anti-virus to run frequent scans and update the software as soon as it is required. Ensure you have real-time scanning of every email and every file you download.

Malware

Malicious software (malware), spyware, worms, and Trojans are the same class of destructive viruses, just with different names. Nobody wants a computer virus; they can steal your personal information, take over your PC and use your computer to attack other people's computers. Your PC can become infected through email attachments, downloading infected content, or visiting harmful websites.

Spyware

Spyware is what it sounds like – tracking software downloaded to your computer (without your knowledge) when you visit specific internet sites. Secretly, it gathers information about you and your browsing habits. This information can be trivial or include passwords and personal data that you wouldn't want criminals to get their hands on. It can also interfere with user controls and disable legitimate anti-virus programs.

The best way to protect your computer against spyware is smart browsing. Stay away from sites that look unsafe and avoid streaming or downloading content from untrustworthy sources. In addition, many anti-virus products offer targeted spyware solutions that inspect your operating system, install programs, downloads and files.

Scareware

These scams pop up on your screen and display alarmist warnings, telling you a virus has invaded your computer. Scareware prompts you to download (and often pay for) fake anti-virus software to remove the non-existent viruses. Scareware is a scam that tries to trick you into paying money in exchange for nothing.

You can protect against scareware by keeping your anti-virus software up-to-date and by being judicious about what you choose to download to your computer. You should also familiarize yourself with the interface of your legitimate anti-virus program, so you won't be fooled if one of these pop-ups appears.

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Privacy Statement

Your Privacy is Important to us

Controlled Access to your Information

Transactional Services

Creating a Secure Channel

Application Forms

Website Usage Statistics

Memorized Accounts Feature

Logout Button

Our use of Cookies

Enhanced Security Feature:

Automatic Session Time-outs

Online Scams

Phishing

Pharming

How to Avoid Phishing and Pharming Scams

Anti-Virus Software

Malware

Spyware

Scareware

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