Privacy Policy

Privacy Policy

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:


  • Social Security number and Income
  • Transaction history and Payment history
  • Employer Information and Credit History
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Bay Atlantic FCU chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Bay Atlantic FCU share? Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus Yes No
For our marketing purposes – to offer our products and services to you No We don’t share
For joint marketing with other financial companies No We don’t share
For our affiliates’ everyday business purposes –
Information about your transactions and experiences
No We don’t share
For nonaffiliates to market to you No We don’t share
Questions? Call 856-696-2525 or go to
Who We Are
Who is providing this notice? Bay Atlantic Federal Credit Union
What we do
How does Bay Atlantic FCU protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
Bay Atlantic FCU also maintains other physical, electronic and procedural safeguards to protect your information and we limit access to information to those employees for whom access is appropriate.
How does Bay Atlantic FCU collect my personal information? We collect your personal information, for example, when you


  • Open an account or apply for a loan
  • Show your government issued ID or your driver’s license
  • Give us your income information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only


  • Sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you

State law and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else? style=”text-align: left;” colspan=”2″>Your choices will apply to everyone on your account.
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.


  • Bay Atlantic FCU does not share with our affiliates.
Non-affiliates Companies not related by common ownership or control. They can be financial and non-financial companies.


  • Non-affiliates we share with can include insurance companies, government agencies, plastic card processors (credit/debit/ATM), financial statement publishers or printers, mailhouse, mortgage companies, mortgage service companies, consumer reporting agencies, data processors and check/share draft printers.
Joint marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.


  • Bay Atlantic FCU does not share with our joint marketers.

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