Help Center
Frequently Asked Questions
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Your Questions. Answered.
We've compiled common questions in one place to make it easier for you to learn about our products and services, and to handle simple issues. If you need additional assistance, contact us. Our Andrews Federal team is ready to serve and ready to solve.
Alerts
How do I set up alerts on my debit card?
Log into digital banking and go to the 'Card Services' tab, and then go to 'Card Management', and go to 'Card Details'. Or click/tap the image of the card, and go to 'Alerts'.
How do I set up Digital Banking alerts?
Log into digital banking and go to the 'Account Services' tab, and then go to 'Manage Alerts', and go to 'New Alert'.
How do I set up alerts on my credit card?
Log into digital banking and go to 'Card Services', and then go to 'Card Management', and go to 'Card Details'. Or, click/tap the image of the card, and go to 'Alerts'.
How do I set up Bill Pay alerts?
Log into digital banking, and go to 'Pay Bills', and then go to 'US Bill Pay', and go to 'My Account' to view alerts within the notification box.
Where can I find alerts to let me know when my balance is too low?
Log into digital banking and go to 'Account Services', and then go to 'Manage Alerts', and go to 'New Alert'.
Digital Banking
How do I enroll in Online Banking?
How do I log in to Online Banking?
Where can I find my statements online?
Log in to Digital Banking and go to Account Services > Statements/Tax Forms.
How do I reset my username and/or password to get into Online Banking?
Can I transfer money to another Andrews Federal member?
Log into digital banking, and go to 'Move Money', then go to 'Other Member'.
Does Andrews Federal offer a way to pay bills in Europe? If so, how much does it cost?
Yes, we do. We offer Euro Bill Pay when you enroll and go to Digital Banking platform. The cost is just $1.00 per online transaction or $2.00 for in-person transactions.
What loans can I pay using the online loan payment system?
You can pay any type of loan. However, the loan must not be past due by 45 days, or more.
How do I change my address, phone number or email address on my account?
To update your address, phone or email address, log into digital banking go to 'Settings', and then go to 'Manage Contact Info'.
Who can register to make a loan payment online?
Anyone with a Loan or Visa with Andrews Federal can create a login and password. You may also choose not to create a login or password. Instead, you may make a one time payment; the system will not store your information.
How do I change my name on my account?
You may visit any of our branches, along with proof of name change. Such as marriage certificate, SSN card, or government issued document. You may also send a secure message through digital banking and a representative will review and follow up with you shortly.
What if I forget my loan payment username?
Your username is your email address. If you forget your email address, you can re-register, but your payment information will not display any previous payment information. You will have to set your account back up.
Security
How do I set-up a security alert notification?
Log in to Digital Banking and go to 'Account Services', then go to 'Manage Alerts', and 'New Alert'.
Can I use a general power of attorney to access a family member's account at the credit union?
A general power of attorney may be accepted, but must be reviewed and approved by a branch manager.
What to do if you receive an invalid password attempt notification?
If you received a notification in regards to a failed login attempt (invalid password) that was not instituted by you, we recommend that you immediately change your username and change your password.
What should I do if I notice a fraudulent transaction on my card or in my account?
Log in to Digital Banking and go to Main Menu/Card Services, then Card Management, and select the image of your card, then toggle the Enable/Disable Card option.
What should I do with my paper check after I deposit it using my phone?
After you deposit your check, please hold onto the check for a minimum of 30 days.
How do I change my password?
To change your login password, you will need to confirm your identity and complete the password update process. You can change your password through Digital Banking. To get started, please click here.
How do I change my username?
You can change your login username through Digital Banking. To change your login username, you will need to verify your identity by providing some basic information. You can then choose a new username. To begin the process, please click here.
How can I file a dispute on a transaction?
To dispute a debit card transaction, log into digital banking. Under the Accounts section, select each transaction that contains an error and click on the kebab (three dots) to choose "Dispute Transactions."
How can I enable/disable my debit or credit card?
Log in to Digital Banking and go to 'Card Services', then 'Card Management', and select Enable/Disable Card.
Do I have to notify anyone if I'm traveling?
Yes. To place a travel notification on your account, log into digital banking go to 'Card Service', and then go to 'Card Management', and go to 'Card Details' OR go to 'Travel Notifications'.
Branch Services
Can I book an appointment online at a branch?
You can book an appointment online with our stateside and overseas branches. Book your appointment now.
Where are your locations?
MD, DC & VA
Suitland, MD
Joint Base Andrews, MD
Upper Marlboro, MD
Waldorf, MD
Washington, D.C. - SE
Alexandria, VA
Springfield, VA - West Springfield
New Jersey
Burlington, NJ
Joint Base MDL, NJ
Mt. Laurel, NJ
Overseas
Wiesbaden, Germany
Hainerberg, Germany
Brunssum, the Netherlands
Brussels, Belgium
Chièvres, Belgium
What are the maximum daily ATM and POS limits?
The daily ATM cash withdrawal limit is $1000. For Point of Sale (POS) purchases where a PIN is required, the daily limit is $1,000. For POS purchases that do not require a PIN, the daily limit is $3,000. There is a limit of 25 Visa purchase transactions per day.
Do you offer cashier checks? If so, how much are they?
Members may obtain 1 free Official Check per day. Any additional Official Checks are $5.00 each.
Can I cash in coins at the credit union?
Members can conveniently cash in coins using our coin counting machines, available at the following branches: Alexandria, VA; Suitland, MD; Joint Base Andrews; Waldorf, MD; Henson Ridge, DC; Upper Marlboro, MD; Burlington, NJ; JBMDL; and Mt. Laurel, NJ.
Can I access my account at other credit unions?
Yes, through the CO-OP Shared Branch Network, Andrews Federal members will be able to complete some of the same transactions as if you were at an Andrews Federal branch. The CO-OP ATM network offers more than 30,000 no-fee ATMs, covering all 50 states and 10 countries. To find a Shared Branch near you and to confirm the services that are available, visit the Branches & ATMs page.
Does Andrews Federal participate in the Shared Branch Network?
Yes, through the CO-OP Shared Branch Network, Andrews Federal members will be able to complete some of the same transactions as if they were at an Andrews Federal branch. Guest members from other credit unions may access their accounts at our military base locations only. We have suspended service for non-Andrews credit union members at all other branch locations.
Can I use ATMs for free?
Through the CO-OP ATM network, we offer over 30,000 no-fee ATMs, covering all 50 states and 10 countries. Use our ATM locator to find the nearest Andrews Federal or CO-OP ATM. There is a small $1.50 fee to use a non-Andrews Federal or non-CO-OP ATM.
Credit Cards
Who do I contact to freeze my credit card if it's stolen, or I lose it?
Log into digital banking and go to 'Card Services', and then go to 'Card Management', and go to Enable/Disable Card.
What affects my credit score?
A variety of factors impact your credit score including the number and severity of late payments, your total number of credit accounts and loans, the type and age of your accounts, the amount of credit you have utilized on your cards, total debt, the number of new credit accounts that you have recently opened, and the number of recent credit inquiries(applying for credit cards and loans).
How do I add a new card to Apple Pay?
Open the Wallet App, click on "Add Card", scan your card and follow the onscreen instructions.
How can I order a replacement credit card if it's lost or stolen?
Log into digital banking and go to 'Card Service', and then go to 'Card Management', and go to 'Card Details'. Or, click/tap the card image, then go to 'Report Lost or Stolen'.
How can I redeem my credit card reward points?
To redeem your rewards points, log into digital banking, go to ‘Card Services’ > ‘Card Management’ > ‘Card Details’, and select ‘Access Rewards’.
Can I set my credit card up for automatic payment?
You may access the "Visa Automated Payment" Form under the "Learn" section of the home page, then click on "Resources", and then "Forms". The form can be mailed to us at:
Andrews Federal Credit Union
P.O. Box 3000
Clinton, MD 20735-6001
How can I get an increase in my credit card limit?
You may submit a new loan application at anytime to request an increase.
Can I use my credit card outside of the United States?
Yes, you may use your credit card internationally.
Do I have to notify anyone if I'm traveling?
Yes. To place a travel notification on your account, log into digital banking go to 'Card Service', and then go to 'Card Management', and go to 'Card Details' OR go to 'Travel Notifications'.
How can I skip a payment on my credit card?
We do not offer skip-a-payments on credit cards at this time.
Do you offer credit cards to help rebuild credit?
Yes, we offer secured credit cards. We freeze funds equal to the desired balance. The money is still yours but is security for the credit line.
Credit Reporting
What affects my credit score?
A variety of factors impact your credit score including the number and severity of late payments, your total number of credit accounts and loans, the type and age of your accounts, the amount of credit you have utilized on your cards, total debt, the number of new credit accounts that you have recently opened, and the number of recent credit inquiries(applying for credit cards and loans).
Where can I find my FICO® Score?
Log into Digital Banking, select 'Account Services' and click/tap FICO® Score.
Why can't I get a loan without credit?
We have loan options for members with limited or no credit history including Share and Certificate Secured Loans, a Share and Certificate secured Visa and the Cash to Go loan.
How often is my FICO® Score updated?
The FICO® Score (based on Equifax data) is posted in Digital Banking and is updated on a quarterly basis.
Debit Card
Can I freeze my debit card if it's stolen, or I lose it?
To place a freeze on your debit card, log into digital banking and go to 'Card Services', and then go to 'Card Management', and go to Enable/Disable Card.
How do I set up alerts on my debit card?
Log into digital banking and go to the 'Card Services' tab, and then go to 'Card Management', and go to 'Card Details'. Or click/tap the image of the card, and go to 'Alerts'.
How do I add a new card to Apple Pay?
Open the Wallet App, click on "Add Card", scan your card and follow the onscreen instructions.
How can I order a replacement debit card if it's lost or stolen?
Log in to Digital Banking and go to Card Management. Tap your card image, then scroll down and select Report Lost or Stolen. Choose whether your card was lost, stolen, damaged, or used for fraud. Make sure the box next to Order Replacement is checked, and confirm your mailing address. A $10 fee applies for debit card replacements.
How can I reset the PIN for my Debit Card?
To reset the PIN on your debit card call 1.866.985.2273.
How can I file a dispute on a transaction?
To dispute a debit card transaction, log into digital banking. Under the Accounts section, select each transaction that contains an error and click on the kebab (three dots) to choose "Dispute Transactions."
Do you offer ATM fee rebates/refunds for ATMs outside of your network?
ATM fee rebates/refunds are available with our Kasasa Cash Checking and our Kasasa Cash Back Checking.
Deposit Services
How do I switch my current checking account to a Kasasa Cash Checking Account?
Log in to Digital Banking and send us a Secure Message, and our team can assist you with converting your account.
Can I add a Kasasa Cash or Kasasa Cash Back checking if I already have a checking account with Andrews Federal?
No, you have to switch accounts.
How do I re-order checks?
Log in to Digital Banking, and go to the Account Services/Re-Order Checks.
Is there a limit to the number of transactions from my Savings account each month?
Generally, no. However, we do reserve the right to limit the amount, type or frequency of withdrawals or transfers from any of your accounts. If we do impose such a limit, we will disclose such in our Truth in Savings disclosure, and/or at the time you attempt to make your withdrawal or transfer.
Do you offer payroll deduction or direct deposit? If so, how do I set it up?
You can easily set up Direct Deposit using our ClickSWITCH feature. In just a few simple steps, you can use ClickSWITCH to move your paycheck, automatic bills, and other payments with just a few taps. Go to "Switch Direct Deposit" in Digital Banking to use ClickSWITCH.
How soon can I access my funds after depositing a check?
If the check is drawn from an Andrews Federal account, the funds will be available on the first business day after we receive your deposit. If the check is a personal check from an outside institution, the first $275 will be available on or before the first business day after we receive the deposit. The remainder (up to $6,725) will be available no later than the 2nd business day after the day we receive your deposit, and the remaining funds over $6,725 will be available no later than the 7th business day after the day we receive your deposit. For more detailed information, please review our Funds Availability policy in the "Learn" section of this website.
Can I have more than one checking account at Andrews Federal?
Your primary account must be a Kasasa Cash Checking, Kasasa Cash Back Checking, and/or Online checking account.
If you would like to add a secondary checking account, you may add Auxiliary Checking. This is the only current option for a secondary checking account.
What should I do if my checks are lost or stolen?
Log in to Digital Banking to place a stop payment. Go to Account Services/Stop Payment and follow the prompts. There is no fee to stop a check payment via Digital Banking.
How do I place a stop payment on a check?
Log into Digital Banking and go to Account Services/Stop Payment.
How do I add beneficiaries to my account?
Visit our Forms page to download and complete the Payable-on-death Beneficiary Designation form for non-IRA accounts. Contact us if you need to update a beneficiary for an IRA account.
How do I rollover my IRA to the credit union?
As a general rule, you want to start the process where the IRA fund will end up. This ensures there is an IRA to deposit the funds you send. Go to Invest/Individual Retirement Accounts (IRAs) to open an IRA account.
Can I fund my Share Certificate when I open it?
When you open a Share Certificate, you can open it with a zero balance. You then have 10 days to fund your account. Click here for more details about the Share Certificate funding process.
Can I send money from my bank to fund my Share Certificate?
You can send money from another institution to Andrews Federal by logging into your account with the other institution and submitting a request there. You cannot initiate a request from your Andrews Federal account to another institution. Click here for more details about the Share Certificate funding process.
How long do I have to fund a Share Certificate after opening?
You have 10 days to fund your Share Certificate. If your account is not funded within 10 days, it will be automatically closed and you will need to restart the process. Click here for more details about Share Certificate funding.
Can I use my card with Apple Pay/Google Pay?
Yes, you can! It’s easy to add your card to a variety of Digital Wallets, including Apple Pay, Google Pay and more. Follow the instructions here to begin using your card through your Digital Wallet and adding another layer of protection to your accounts.
Loan Services
How can I get pre-approved for a loan?
Start your application online in just minutes. Pre-approval gives you a clear budget, making your vehicle shopping faster and stress-free.
Why can't I get a loan without credit?
We have loan options for members with limited or no credit history including Share and Certificate Secured Loans, a Share and Certificate secured Visa and the Cash to Go loan.
What should I do if I notice a fraudulent transaction on my card or in my account?
Log in to Digital Banking and go to Main Menu/Card Services, then Card Management, and select the image of your card, then toggle the Enable/Disable Card option.
Is my money protected at Andrews Federal?
Yes, similar to the way that FDIC insurance protects bank customers' deposits, the NCUA (National Credit Union Administration) protects credit union member deposits up to $250,000 for each individual depositor. For additional information about NCUA's share insurance, visit mycreditunion.gov.
Can I pay my escrow shortage online?
Unfortunately, you cannot pay your escrow short online. Mail a check with “Mortgage Escrow Shortage” written in the Memo line, to:
Andrews Federal Credit Union
ATTN: Mortgage Department
P.O. Box 3000
Clinton, MD 20735-6001
What is the maximum amount that can be paid to a loan?
You may make a single loan payment up to $2,500. If you need to make a larger payment, we suggest making multiple payments, not exceeding the total loan amount. If your mortgage payment is more than $2,500, you will need to make multiple payments.
What loans can I pay using the online loan payment system?
You can pay any type of loan. However, the loan must not be past due by 45 days, or more.
What are the vehicle insurance requirements?
To protect your vehicle and loan, full coverage insurance with Andrews Federal listed as the lien holder is required—this includes comprehensive and collision coverage with deductibles of $1,000 or less.
How can I get a shipping authorization letter to ship my vehicle overseas?
Shipping letters may be requested through Digital Banking secure messaging, in a branch, or by calling 800-487-5500, ext 5711. Please be sure to provide the following information when requesting a shipping letter.
- Shipping destination
- Shipping date
*Please note that full coverage is still required while your vehicle is being shipped.
Is there a fee for making online loan payments?
There are no fees when making a payment online. However, payments made over the phone are subject to a $14.95 processing fee.
Who can register to make a loan payment online?
Anyone with a Loan or Visa with Andrews Federal can create a login and password. You may also choose not to create a login or password. Instead, you may make a one time payment; the system will not store your information.
Can I drop my coverage while shipping or storing my vehicle?
It is a requirement of Andrews Federal Credit Union that while your vehicle is financed with the Credit Union, you carry full coverage insurance on that vehicle. Should you fail to maintain the required insurance throughout the life of the loan, the Credit Union may purchase a policy for its own protection and pass the cost of the policy on to you, the borrower. Please refer to the following primary insurance requirements:
- Continuous insurance coverage with no lapses
- Andrews Federal Credit Union, PO BOX 924539 Fort Worth, TX 76124 named as lien holder or loss payee
- Comprehensive and collision coverage (or physical damage) with deductibles not greater than $1000
- Proper collateral listed (VIN, Make, Model must all match what is listed on the loan documentation)
- No restricted drivers
Please have your insurance company fax a declaration page showing the above coverage to 877-845-4631 or you may upload insurance directly to myloaninsurance.com/andrewsfcu.org.
You may also call our insurance department directly with questions at 877-576-7640.
If you are planning to store your vehicle, approval is needed. Please contact us through your online banking secure messaging, in branch, or by calling 800-487-5500 for the requirements and necessary documentation.
Please note that full coverage is still required while your vehicle is being shipped.
How do I file a GAP insurance claim if my car is totaled?
If you purchased GAP from your dealership, you should contact them directly to file your claim. If you purchased from us or RateGenius.com, we will file the claim on your behalf. To do so we will need documentation from your insurance provider including the market valuation report, the total loss settlement statement, settlement check, cause of loss letter (if purchase from us) and the police report if applicable. This info can be faxed to 301-702-5323 or emailed to Lservicing@andrewsfcu.org. Make sure that you have a valid email address on file with us so that our communications can be received.
How do I get my loan payment confirmation?
A confirmation email will be sent when you make a loan payment online.
What if my loan payment is returned?
Andrews Federal will call you if your payment was returned. Returned payments are subject to Non-Sufficient Fund Fees/ACH. Please see Account Fee's for more information.
Are there any penalties for paying a loan off early?
No, you are welcome to pay your loan off early at any time without penalty.
Can I make a Principal Only Payment on a Consumer Loan?
Principal Only Payments are available on mortgage loan products only. Consumer loans are not eligible for principal only payments. On consumer loans, interest accrues daily. Each time you make a payment, the payment will first satisfy interest for the amount of days it has been since the last payment (or date of loan origination, if no first payment has been made.)
Follow the instructions below for an easy way to calculate the interest on your loan.
- Multiply the unpaid balance times the interest rate.
- Multiply the answer obtained in step one times the exact number of days between the loan disbursement (if the 1st payment) or payments.
- Divide the answer obtained in step two by 365 (number of days in a year) and this will equal the interest charged as reflected on your statement.
Good News: You may pay more than the amount due each month. Paying more than your required monthly payment can reduce the amount of interest you pay, and shorten the overall length of your loan. You may make additional payments to the loan at any time, however they will first satisfy any interest accrued and then they will go to any fees and then the principal.
How many days can I postdate a loan payment?
You may make a loan payment up to 30 days in advance.
Can I pay more, or less than my current loan payment amount?
You may pay any amount, up to the maximum of $2,500 per transaction.
When do I get my title after I pay my loan off?
Please allow 10 days for your title to be released once your loan is paid in full. The title documents will be released to the address we have on file. The timeframe to receive your title will vary depending on whether you have an electronic or paper title.
If you have misplaced your released title, you may request a Lien Release Letter from us. You will take the Lien Release Letter to the DMV and request a duplicate title from them. You can request this letter in your online banking secure messages, in a branch, or by calling 800-487-5500, ext 5711.
If you are a third party requesting a Vehicle Lien Release Letter, please fax us your request along with the borrower's signed authorization to release information to 301-702-5323.
Can I pay my loan in advance?
No. Loans cannot be paid in advance. A payment is required to be made on your loan(s) each month, as stated in your loan closing documents.
Can I set up a recurring loan payment?
Log into digital banking and go to 'Loan Services', then go to 'Make a Loan Payment', and choose the frequency of the payment and start date.
What if I forget my loan payment username?
Your username is your email address. If you forget your email address, you can re-register, but your payment information will not display any previous payment information. You will have to set your account back up.
Is there a maximum number of loan transactions/payments per month?
Yes, you can only make a total of four (4) online loan payment transactions.
How can I cancel a loan payment that was recently created?
You do not have the ability to cancel your own transactions through the payment system. For same day, or postdated payments, you may contact us for assistance. Or respond to your confirmation email and we can cancel the payment for you (must email before 5:00 PM EST, or call before 7:00 PM EST).
Can I payoff my loan online?
We do not encourage you to use the online loan payment system to pay off your loan. Please contact us to get your exact payoff amount to avoid any shortage in payment.
Membership/General
What is your routing number?
Our routing number is 255074111.
If I visit a branch to open an account, what information should I bring with me?
You will need two forms of state-issued identification, including one primary form such as a state-issued ID, Passport, and/or Military ID. The second form of identification can be a Social Security card, Student ID, Birth Certificate, Permanent Resident Card, Auto Insurance Card, and/or a Credit Card. If your state-issued identification does not have your current physical address, you will need to show proof of current address with another form of identification, such as current utility bill or current bank or mortgage statement.
Do you offer scholarships for kids?
We award ten $2,000 college scholarships and ten $500 Summer Camp Awards annually. Applications for these programs are typically accepted in the first quarter of each year.
Do you exchange foreign currency?
We exchange foreign currency at our overseas locations.
How do I change my name on my account?
You may visit any of our branches, along with proof of name change. Such as marriage certificate, SSN card, or government issued document. You may also send a secure message through digital banking and a representative will review and follow up with you shortly.
Payments
How do I set up my loan payment to come out on the same day as my pay day?
Log in to Digital Banking and go to the Loan Services/Make a Loan Payment and choose the frequency of the payment and start date.
Can I set my credit card up for automatic payment?
You may access the "Visa Automated Payment" Form under the "Learn" section of the home page, then click on "Resources", and then "Forms". The form can be mailed to us at:
Andrews Federal Credit Union
P.O. Box 3000
Clinton, MD 20735-6001
How do I pay a person that does not have an Andrews account?
In digital banking and go to 'Move Money', then select 'Pay-A-Person'.
How do I set up Bill Pay alerts?
Log into digital banking, and go to 'Pay Bills', and then go to 'US Bill Pay', and go to 'My Account' to view alerts within the notification box.
Can I pay my escrow shortage online?
Unfortunately, you cannot pay your escrow short online. Mail a check with “Mortgage Escrow Shortage” written in the Memo line, to:
Andrews Federal Credit Union
ATTN: Mortgage Department
P.O. Box 3000
Clinton, MD 20735-6001
What is the maximum amount that can be paid to a loan?
You may make a single loan payment up to $2,500. If you need to make a larger payment, we suggest making multiple payments, not exceeding the total loan amount. If your mortgage payment is more than $2,500, you will need to make multiple payments.
How do I get my loan payment confirmation?
A confirmation email will be sent when you make a loan payment online.
What if my loan payment is returned?
Andrews Federal will call you if your payment was returned. Returned payments are subject to Non-Sufficient Fund Fees/ACH. Please see Account Fee's for more information.
How many days can I postdate a loan payment?
You may make a loan payment up to 30 days in advance.
Can I pay more, or less than my current loan payment amount?
You may pay any amount, up to the maximum of $2,500 per transaction.
Can I pay my loan in advance?
No. Loans cannot be paid in advance. A payment is required to be made on your loan(s) each month, as stated in your loan closing documents.
Can I set up a recurring loan payment?
Log into digital banking and go to 'Loan Services', then go to 'Make a Loan Payment', and choose the frequency of the payment and start date.
What if I forget my loan payment username?
Your username is your email address. If you forget your email address, you can re-register, but your payment information will not display any previous payment information. You will have to set your account back up.
Is there a maximum number of loan transactions/payments per month?
Yes, you can only make a total of four (4) online loan payment transactions.
How can I cancel a loan payment that was recently created?
You do not have the ability to cancel your own transactions through the payment system. For same day, or postdated payments, you may contact us for assistance. Or respond to your confirmation email and we can cancel the payment for you (must email before 5:00 PM EST, or call before 7:00 PM EST).
Privacy Center
What is the GDPR?
The GDPR is a new set of rules that aims to give people in the European Union (EU), including those assigned to military bases in the EU, more information about and control over their Personal Data and how it is used and processed by businesses serving the EU. The rules focuses on your Personal Data and maintaining its confidentiality, integrity and accuracy.
When did the GDPR go into effect?
The GDPR became effective May 25, 2018.
Who does the GDPR affect?
The GDPR affects any person—referred to as a “Data Subject”—that is physically in the European Union (EU). It also affects businesses such as Andrews Federal Credit Union, that collect or process the Personal Data of any Data Subject. Data Subjects may also include citizens or residents of non-EU countries such as the United States—for example, if a U.S. citizen is temporarily living in the EU.
How is Personal Data defined under GDPR?
As it relates to Andrews Federal Credit Union, “Personal Data” means any information relating to an individual member, potential member, former member, joint account holder, beneficiary and, in limited circumstances, non-members. Personal Data includes but is not limited to your name, address, identification number (such as Social Security Number) and account number.
The GDPR also extends the definition of Personal Data to any information that could lead someone to identify an individual—for example, an IP address, which could determine your location. It also includes sensitive Personal Data such as genetic data and biometric data, all of which could be further used to uniquely identify an individual.
How does GDPR affect you?
In terms of your relationship with Andrews Federal Credit Union, you will need to opt in to communications from us and confirm how you want to be contacted. If you want to continue being notified of the credit union’s promotions, you will need to opt in to receive those communications. In general, business emails cannot be sent to a European Union member who has not opted in. Visitors to our website will also have the option to consent to, or block Andrews Federal from using cookies to track their activity.
What kind of data does Andrews Federal collect?
The Personal Data that we collect and process from or on you will vary based on the Andrews Federal services you choose to use. Personal Data is only collected and used when it is relevant to providing those products or services. Andrews Federal does not collect Personal Data that is not related to the financial services we provide you.
Examples of Personal Data we may collect include your name, address, date of birth, government identification number, contact information (phone number and email), signature, security questions and answers, current debt and income information, credit history and banking history, and transactional behavior information.
How is the data used?
The Personal Data that we collect is used to identify you and maintain your account securely. We share this data with vetted third-party vendors only when it is necessary for our everyday business purposes to serve you, such as when issuing a new debit card, offering online banking services or processing account statements. Additionally, through the cookies on our website, Andrews Federal uses your unique information to enhance your browsing experience and to refine our marketing both to you and others like you.
How does Andrews Federal protect my data?
We understand that the privacy of your Personal Data is very important to you, and Andrews Federal is, and has always been, fully committed to protecting and using the Personal Data of all individuals lawfully, fairly, transparently and securely. Andrews Federal has implemented appropriate technical measures to ensure a high level of information and data security. We also continually invest in testing and updating our security technology and processes to maintain a high level of security. Finally, independent auditors and examiners annually review Andrews Federal Credit Union's information security practices, further ensuring this high level of security.
