Policies & Forms

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Address Change
Change your address? Let us know with the Address Change Form [PDF]. 

Privacy Policy
Our Privacy Policy is available in PDF format. 

Procedures for opening a new account (Patriot Act)
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver\'s license or other identifying documents. 

Substitute Checks
Our Substitute Check policy is available below.

Terms and Conditions of your Account
Complete Terms and Conditions are available in PDF format. 

Website Privacy Notice
Our Website Privacy Notice is available below.

Website Privacy Notice

Our Privacy Notice is an important part of our commitment to provide you with the best financial and client service possible. We believe it is essential to clarify how Community First Credit Union uses collected information, the benefits of such use and the way information is protected against unauthorized access and use. Your concern about the security of information relating to you and your accounts is understandable and we want to assure you that we are continuously taking steps to safeguard your personal information. It is also essential that you know that we do not sell customer lists or individual customer information to any third parties.

Each member relationship at Community First Credit Union is built on trust. We have implemented policies, procedures and controls to help safeguard and prevent unauthorized disclosure of non-public personal information, as well as detect any such unauthorized disclosures. Community First Credit Union employees are trained to handle member matters and maintain confidence in a manner consistent with applicable laws and this notice. In addition, only employees actively engaged in the discharge of assigned duties involving customer information are authorized to access that information.

Community First Credit Union has taken reasonable measures to ensure that the information and data presented on this website is accurate, appropriate and up to date. While every effort is made to maintain the accuracy and utility of this information, Community First Credit Union makes no express or implied warranty regarding such information or data, and hereby disclaims all legal liability and responsibility to persons or entities that use or access this site and its content, based on their reliance on any information or data obtained through this website.

Information on this website is not intended to constitute and should not be considered as legal or financial advice, nor is it intended to substitute for obtaining legal or financial advice from competent, appropriate and independent legal counsel or financial advisor. This website content is not designed or intended to provide authoritative financial, accounting, investment or other professional financial advice which may be reasonably relied on by its readers. If expert assistance in this area is required, the services of a qualified professional should be retained.

Links to Other Websites
This Community First Credit Union website provides links to other websites for convenience and informational purposes only. Users should be aware that when you select a link on the Community First Credit Union website to an external website, you are leaving the Community First Credit Union site. You will see a disclosure on our site that alerts you when you are leaving our website. Linked sites are not under the control of Community First Credit Union, and Community First Credit Union is not responsible for the contents of any linked site or any link contained in a linked site, or changes or updates to such sites. Inclusion of such links in the Community First Credit Union website does not imply endorsement by Community First Credit Union of the site, its content, advertisers or sponsors. For your protection, we recommend that you review the separate privacy notices provided on these linked websites. External sites may contain copyrighted materials with restrictions on use and reuse, whereby permission for use or reuse must be obtained from the original source, not from Community First Credit Union.

Use of Cookies on This Website to Collect Data
Community First Credit Union is strongly committed to protecting and maintaining the privacy of your non-public, personal information. Our information gathering and dissemination practices for this site are described as follows. Community First Credit Union automatically collects and stores the following information when you visit our website:

• Date and time your request was received
• Your Internet Protocol (IP) address, or the address of your Internet Service Provider (ISP)
• Specific resource on Community First Credit Union website that was accessed as a result of the request or application
• Content of any sent or received cookie *

*Some parts of the Community First Credit Union website may use a "cookie," which is a file placed on your computer hard drive that allows the Community First Credit Union server to log the pages you use in the Community First Credit Union website to determine if you have visited the site before. It also stores your preferences and other information on your computer to save you time by eliminating the need to repeatedly enter the same information and to display your personalized content. No personal identifying information is captured by the cookie. This information is used by the Community First Credit Union server to provide certain website features during your visit. You can set your browser to warn you when placement of a cookie is requested, and decide whether or not to accept it. By rejecting a cookie, some of the features available on the site may not function properly.

Other than the automatic data collection activity described above, this site collects no personally identifiable information. When you knowingly and voluntarily provide personal, non-public information, such as when you complete data fields on a loan application, you have chosen to make an exception to the automatic data collection as described.

Information We Share
We may share public and non-public personal information concerning your transactions and experience within Community First Credit Union and related organizations. This sharing of information is intended to help us offer financial products and services we believe would benefit you and facilitate the servicing of your accounts. You have a choice as to whether or not you want this information shared with Community First Credit Union-related organizations. If you prefer that we not share this information, you may opt out by writing to us at Community First Credit Union, Attention: Compliance Officer, 2043 E. Prospect Rd., Ashtabula, Ohio 44004. Please provide your name, address and account number(s).

Other non-public personal information may be shared with service providers who assist us in servicing your accounts and preparing and/or delivering financial services and products to you on our behalf. Examples of such third-party service providers include check printers, data processors, deposit or loan account service providers, check verification services, and credit reporting agencies.

Information we collect, as described above, may also be shared with companies that perform marketing services on our behalf or with other financial institutions with whom we have joint marketing agreements. This allows us to offer a variety of financial products and services we endorse and believe you may find beneficial. These companies we do business with agree to keep such information confidential and are prohibited from disclosing such information to anyone for any other purpose. We do not, and will not, share your information with non-financial companies for the purpose of allowing them to market their products and services to you.

Community First Credit Union does not disclose any non-public personal information about you to any other third parties except as permitted or required by law. We do not share medical or health insurance information, nor will we disclose medical information to unaffiliated third parties unless you have instructed us to do so in writing.

Information about Community First Credit Union member accounts may be reported to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report.

Notice Regarding Children's Information
We respect the privacy of children and comply with the practices under the Children\'s Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from children.

Email Communications
When you choose to identify yourself to Community First Credit Union and provide an email address as an accepted communication channel, you are consenting to Community First Credit Union using the information you provide, including personally identifying information, in accordance with this notice, unless you expressly state in the email your objection to any use(s). This may include the transmission of service communications such as welcome letters, billing reminders, technical service information and security announcements. Since general email is not secure and may be intercepted or viewed by others, you should refrain from sending confidential or private information via email.

Information Security Standards
Community First Credit Union continually updates and improves our security standards and procedures to help protect against anyone gaining unauthorized access to your confidential information and to prevent fraud. We maintain physical, electronic and procedural safeguards that comply with federal standards. Our associates have an appropriate level of access to your personal information in order to perform their jobs and provide you with the best financial products and services possible. We do work with law enforcement officials to pursue any individuals who either fraudulently access or attempt to access or use information. We are continually looking for new technology to further enhance the security of this information. Through appropriate checks and balances built into procedures

Substitute Checks Policy

Legal Disclosure: Substitute Checks & Your Rights
IMPORTANT INFORMATION ABOUT YOUR CHECKING ACCOUNT

Substitute Checks and Your Rights 

What is a substitute check? 
To make check processing faster, federal law permits banks to replace original checks with "substitute checks." These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. You can use it the same way you would use the original check." You may use a substitute check as proof of payment just like the original check. 

Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. 

What are my rights regarding substitute checks? 
In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). 

The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. 

If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. 

We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. 

How do I make a claim for a refund? 
If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at: 

Community First Credit Union
2043 East Prospect
Ashtabula, OH 44004
440-997-5919 

You must contact us within 60 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. 

Your Claim must include: 

• A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);
• An estimate of the amount of your loss; 
• An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and 
• A copy of the substitute check or the following information to help us identify the substitute check: the check number, the amount of the check, the date of the check, and the name of the person to whom you wrote the check. 

Accessibility: Community First Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 440-997-5919. All products and services available on this website are available at the Community First Credit Union office.

This site may be utilized for authorized purposes only. Unauthorized access or use is not permitted and constitutes a crime punishable by law. Activity on this site is monitored for security purposes.

Copyright 2024 Community First Credit Union