Log On

 

Privacy Notice

 

Hawthorne Credit Union is owned by its members and is run by a board of directors you elect.  You can be confident that your financial privacy is a top priority of this credit union.  We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information.

We have also included some tips on how you can help protect your financial privacy.

Hawthorne is committed to providing you with competitive products and services to meet your financial needs. In order to do so, we have entered into agreements with other companies that provide either, services to us, or additional financial products for you to consider.   We share information about you with these companies to complete your transactions and to provide you with certain financial opportunities.

We take every measure to safeguard the information you give us.  We have no intention of selling that personal information to third-party businesses.

The following policies outline how we use and safeguard the information you give us.

Definitions

You, means all our account holders.  We, our and us means Hawthorne Credit Union.

Non-public personal information means information about you that we collect in connection with providing a financial product or service to you.  Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An Affiliate is a business/company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us.  Ownership does not mean complete ownership, but means owning enough to have control.

A non-affiliated third party is a business/company that is not an affiliate of ours.

Disclose/Disclosure means the sharing of information.


Information We Collect about You

We collect non-public personal information about you from a variety of sources, including:

  • Information we receive from you on applications or other forms;

  • Information about your transactions with us, our affiliates, or others;

  • Information we receive from a consumer reporting agency; and

  • Information obtained when verifying the information you provide to us.  This may be obtained from future or past employers or from other institutions where you conduct financial transactions.

Information We May Disclose About You

We may disclose all of the nonpublic personal information we collect, as described above to:

  • Non-affiliated third parties as permitted by law; 

  • To companies that perform marketing services on our behalf; or

  • To other financial institutions with whom we have joint marketing agreements.

To protect your privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide.  We do not permit these companies to sell the member information we provide to other third parties.

We reserve the right to disclose nonpublic private information to our future affiliates.  We may share transaction and experience information from our account records such as:

  • Name

  • Address

  • Account Balances

  • Account Activity

  • Types of Accounts

  • Credit Card Usage

  • Payment History

  • Deposit History

  • Parties to the Transaction

Federal Law allows us to disclose the information listed above with our affiliates. 

Former Members

If you decide to terminate your membership or become an inactive member we will adhere to the privacy policies and practices as described in this notice.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees and officials who need to know that information to provide products or services to you.  Our employees are trained in the importance of maintaining confidentiality and member privacy. 

We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Tips to Help Protect Your Privacy

Protect your account information such as account numbers, card numbers and printed checks from being lost or stolen.

Use caution when disclosing information by phone. Do not hesitate to tell the caller you would like to call them back through established channels such as published phone numbers for the business they represent.

Keep your PINs (personal identification numbers) and passwords secure.  Never keep your PIN with your debit card or credit card. 

Make sure we always have your most current address, phone number, email address and the like.  It is important that we know how to reach you.  If we suspect fraudulent or unauthorized activity on your account, we need to be able to contact you immediately.

Review a copy of your credit report annually.

Questions?

If you have any questions, please contact a call center representative at 630-369-4070 (or outside Illinois at 800-848-1697).

Or, email us at memberservice@ehawthorne.org

 

Error Resolution Notice

In case of errors or questions about your electronic transfers telephone us at 630-369-4070 or 800-848-1697 (outside of Illinois). Or, write us at 1519 N. Naper Blvd., Naperville, IL 60563 or email us at memberservices@ehawthorne.org as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Tell us your name and account number. Tell us the dollar amount of the suspected error. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days in the case of VISA Check Card point of sale transactions) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, Point-of-Sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the transactions that we used in our investigation.  
 

Disclaimer

Our site contains links to the web sites of other organizations that we feel may provide helpful information for you. Hawthorne cannot be responsible for the content on these sites, as we do not represent these organizations. Please check with the organizations representing these sites to inquire about their privacy policies and security practices, as they may be different from ours.”