Last Updated: 10/12/2026
EFCU Financial – Online and Mobile Banking Privacy Policy
EFCU Financial
Online and Mobile Banking Privacy Policy
Effective Date: October 12, 2026
1. Introduction and Scope
EFCU Financial (“we,” “us,” or “our”) is committed to protecting the privacy and security of our members’ personal information. We value the trust you place in us to keep your personal finances and other information confidential, and we maintain strict policies on member confidentiality.
This Online and Mobile Banking Privacy Policy (this “Policy”) describes how EFCU Financial collects, uses, shares, and protects information when you visit or use www.efcufinancial.org, the EFCU Financial online banking platform, and the EFCU Financial mobile banking application (collectively, the “Sites”). By using the Sites, you consent to the terms and conditions of this Policy, including your consent to our use and disclosure of information about you in the manner described herein.
2. Access Requirements
You may gain access to your accounts through any internet-enabled device supported by EFCU Financial. It is your responsibility to safeguard your login credentials and to notify EFCU Financial immediately if you suspect unauthorized access to your account.
3. Types of Information We Collect
3.1 Personal Information We Collect
When you interact with us through the Sites, we may collect personal information that you voluntarily provide, including but not limited to:
• Name, mailing address, email address, and telephone number
• Social Security number and driver’s license or state identification number
• Payment card information and bank account numbers
•Transaction data and account activity
• Limited location information (for example, a ZIP code to help you find a nearby ATM or branch)
We will retain your personal information for as long as your account is active or as needed to provide you services, comply with our legal obligations, resolve disputes, and enforce our agreements.
3.2 Information Collected Automatically
When you access the Sites, we may automatically collect certain technical information, including:
• The Internet Protocol (IP) address of the device you use to connect to the Sites
• Browser type and version, operating system, and device identifiers
• Access times and dates, referring URLs, and the pages you visit on the Sites
• Search engine used and website visited before and after the Sites
3.3 Biometric Information
We may collect your biometric information when you use mobile banking. Biometric information includes a unique biological pattern or characteristic—such as a fingerprint, voiceprint, or scan of face geometry—that is used to identify a specific individual. We may use your biometric information to:
• Verify or authenticate your identity
• Detect and prevent fraud
• Enhance safety and security
If you enable biometric login (e.g., Touch ID, Face ID) on your mobile device, our mobile banking application uses your device’s built-in biometric sensor technology. EFCU Financial does not access or store the actual biometric data; it only confirms that the biometric credential is valid on your device. By enabling biometric login, every person with an enrolled biometric credential on your device may have access to your account. It is your responsibility to manage this access. If your device is lost or stolen, you must disable biometric login immediately.
3.4 Mobile Banking Information
When you use the EFCU Financial mobile banking application, we may collect:
• Geolocation data, if you have opted in to location services on your device
• Device information, including device type, operating system version, and unique device identifiers
• App usage data, including features accessed and session duration
3.5 Location Data
For your convenience, you may be asked to grant permission for access to your mobile device's geolocation data. If you have enabled location services on your phone and agree to the collection of your location when prompted by the EFCU Financial mobile banking application, we will collect location data when you use the EFCU Financial mobile banking application, even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.
If you initially consented to the collection of geo-location information through the EFCU Financial mobile banking application, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App.
3.6 SMS Text Messaging
We use SMS data for:
• Responding to your inquiries and providing requested support.
• Providing account alerts and promotional notifications.
• Sending one-time verification codes for secure authentication.
Disclosure of Information
We do not sell, share, or disclose your phone number or SMS data to third parties, except:
• As required to comply with legal obligations.
• With service providers who assist in delivering secure SMS communications (e.g., SMS gateways or authentication platforms).
Security of Your Information
We protect your SMS-related data through:
• Secure transmission and encryption of one-time verification codes and SMS messages.
• Limiting access to employees who need this information to assist you.
• Regular monitoring to ensure compliance with applicable regulations.
Your Rights
You may opt out of receiving SMS communications at any time by replying “STOP” to any of our messages or contacting us directly. Please note: opting out may affect your ability to receive one-time verification codes or engage in SMS-based support.
4. Cookies and Tracking Technologies
4.1 What Are Cookies
“Cookies” are small text files that are stored directly on your computer, smartphone, or other internet-connected device by a web server.
4.2 How We Use Cookies
When you visit the Sites, we may use cookies and information gathered through their use to:
• Personalize your experience based on the products, services, and interactions you have with us
• Remember your preferences, settings, and login information
• Track site usage, such as the number of visits, pages visited, and session duration
• Enhance the security of the Sites and detect potential threats
• Cookies we use do not contain or capture unencrypted personal information.
4.3 Tracking Pixels and Web Beacons
We may use tracking pixels (also known as “web beacons” or “clear GIFs”), which are small electronic images embedded in web pages or emails. These technologies allow us to:
• Track page visits and measure the effectiveness of our content
• Monitor email open rates and click-through rates
• Evaluate the effectiveness of advertising campaigns
4.4 Third-Party Analytics and Advertising Cookies
We may use third-party analytics services, such as Google Analytics, to collect and analyze aggregated usage data about the Sites. These services may use cookies and similar technologies to help us understand how visitors interact with our Sites, compile reports on website activity, and provide other services relating to website and internet use.
We may also use remarketing tools to display EFCU Financial advertisements on third-party websites you visit after leaving our Sites. These tools use cookies to serve ads based on your past visits to the Sites.
Important: EFCU Financial does not sell your personal information to third parties for advertising or any other purpose.
4.5 Managing and Opting Out of Cookies
Most browsers are initially set to accept cookies. You can adjust your browser settings to refuse all cookies or to alert you when a cookie is being placed on your device. Please note that if you choose to refuse cookies, certain features or functionality of the Sites may be limited or unavailable.
5. How We Use Your Information
In addition to the uses described above, we use the information we collect for purposes as allowed by law, including but not limited to:
• Processing applications, transactions, and payments
• Servicing and maintaining your accounts
• Verifying your identity (such as when you access your account information)
• Sending you important information regarding the Sites, including changes to terms, conditions, and policies
• Tracking website and app usage, such as the number of visits, pages visited, and session duration, to evaluate and improve the Sites
• Responding to your inquiries and requests and communicating with you
• Sending marketing communications that we believe may be of interest to you
• Allowing you to participate in surveys, sweepstakes, contests, and similar promotions
• Conducting data analysis and developing and improving our products and services
• Preventing fraud, detecting unauthorized activity, and enhancing the security of the Sites
• Complying with applicable legal and regulatory obligations
6. How We Share Your Information
If you are an EFCU Financial member, we will use and share any information that we collect from or about you in accordance with our Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal information.
We may share your information for other purposes with your express consent.
EFCU Financial does not sell members’ personal information. We do not partner with third parties for the purposes of engaging in online behavioral tracking on the Sites, nor do we permit third parties to collect personally identifiable information about your online activities on the Sites.
7. Your Rights and Choices / Opt-Out Options
You have several choices regarding the collection, use, and sharing of your personal information:
• Opt Out of Information Sharing: You may opt out of certain information sharing as described in our Privacy Notice.
• Marketing Communications: You may opt out of receiving marketing emails by clicking the “unsubscribe” link included in each marketing email we send. Please note that even if you opt out of marketing emails, we may still send you service-related communications regarding your account.
• SMS Messaging: You may opt out of receiving SMS communications at any time by replying “STOP” to any of our messages or contacting us directly.
• Cookie Preferences: You can manage cookie preferences through your browser settings, as described in Section 4.5 above.
• Update Personal Information: You can update your personal information by logging in to Online Banking, visiting an EFCU Financial branch, or calling Member Services.
8. Information Security and Data Protection
To protect your personal information from unauthorized access and use, we employ security measures that comply with applicable federal and state laws. These measures include, but are not limited to:
• Secure Socket Layer (SSL) and Transport Layer Security (TLS) encryption technology, which encrypts your account information as it is transmitted between your device’s browser and our systems
•
Multi-factor authentication (MFA) to verify your identity when you log in
• Physical, electronic, and procedural safeguards, including access controls that limit access to your personal information to authorized personnel who need it to perform their job functions
• Regular security assessments and monitoring to identify and address vulnerabilities
While we strive to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee the absolute security of your information. We encourage you to take steps to safeguard your credentials, including choosing strong passwords, not sharing your login information, and logging out of the Sites when you are finished.
9. Children’s Online Privacy
The Sites are not directed to children under the age of thirteen (13). EFCU Financial does not knowingly collect, maintain, or use personally identifiable information from the Sites about children under the age of 13 without verifiable parental consent, as required by the Children’s Online Privacy Protection Act (“COPPA”) (15 U.S.C. § 6501 et seq.). If we learn that we have collected personal information from a child under 13 without appropriate parental consent, we will delete that information as soon as practicable.
For more information about COPPA, visit the Federal Trade Commission website at www.ftc.gov.
10. Third-Party Links
The Sites may contain links to third-party websites. Although these links are provided for your convenience, EFCU Financial does not control and is not responsible for any of these websites or their content, privacy practices, or security. We do not endorse or make representations about the use of such third-party websites or any information, products, or materials found there. We encourage you to review the privacy policies of any third-party websites you visit to understand how those websites collect, use, and share your information. EFCU Financial is not responsible for the privacy or security practices of linked websites.
11. Email Communications
We may use personal information you transmit to us via email to respond to your inquiries or improve the services EFCU Financial provides. However, please be aware that standard email communication may not be secure against interception by unauthorized individuals. We advise you to avoid sending sensitive personal or financial information—such as account numbers, Social Security numbers, or passwords—via email.
EFCU Financial will not transmit sensitive personal or financial information that could compromise or violate your privacy when communicating via email. If you need to share sensitive information with us, please contact us through a secure channel, such as Online Banking secure messaging, by phone, or by visiting a branch.
12. Internet Access Fees
You are solely responsible for any telephone charges, data charges, internet access fees, and other similar fees and expenses you may incur by accessing the Sites or using the EFCU Financial mobile banking application. Please note that these fees may be assessed and billed separately by your internet service provider, telephone company, or cellular service carrier. EFCU Financial is not responsible for any such charges.
13. Updates to This Policy
From time to time, we may revise this Policy. The effective date of this Policy, as stated above, reflects the date of the most recent revision. Any changes to this Policy will become effective when we post the revised Policy on the Sites. We encourage you to review this Policy periodically. Your continued use of the Sites following the posting of changes constitutes your acceptance of the revised Policy.
14. Contact Information
If you have questions about this Policy or our privacy practices, please contact us:
EFCU Financial
P.O. Box 91001
Baton Rouge, LA 70821-9939
Phone: (225) 214-6800 or toll-free (800) 963-3328
Website: www.efcufinancial.org
© [2026] EFCU Financial. All rights reserved.