CES Credit Union is owned by you, our members and run by a board of directors you elect. We are dedicated to giving our members the tools to reach their financial goals by providing competitive and valuable products and services. You can also be confident that your financial privacy is a top concern of this credit union. We are required by law to give you this privacy policy to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact us at:

Privacy Policy
CES Credit Union
PO Box 631
Mount Vernon, OH 43050

or you may call us at 740.397.1136 or toll-free at 888.397.1136.

Information We Collect About You

CES Credit Union collects nonpublic personal information about you from the following sources:

  • Information we receive from you on membership and loan applications and other forms; and
  • Information about your transactions with us or others; and
  • Information we receive from a consumer reporting agency; and
  • Information obtained when verifying the information you provide on an application or other forms; this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions; and
  • Information we receive from your consumer purchasing and census data.

When we evaluate your application for an account or service, we may request a credit report about you from a consumer reporting agency. Your personal information and credit history information is retained and may be used to evaluate future account services requests.

Parties Who May Receive Information From Us

We are committed to providing you with competitive products and services designed to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. 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 (including but not limited to CUSO Mortgage Corporation and Independence Capital Corporation (Member FINRA, SIPC)). Each of these companies has been approved by the credit union's management or board of directors, and are not permitted to sell the information we provide to them to any third parties. CES Credit Union does not sell member information.  We may disclose all of the information we collect as described above to other financial service providers with whom we have joint marketing agreements.

Your Transactions

Anytime you make a transaction on one of your accounts, including (but not limited to) ATM or card transactions, loan advances, transactions through home banking or through shared branching, over the phone or at a branch, we retain the transaction information, such as: account number, date, amount, location where you made the transaction and other related information. Our affiliates may also provide us with reports on your transactions, such as a mortgage transaction. We may also disclose information we collect about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions, or protect the security of our financial records.

Privacy of Former Members

If you choose to terminate your membership with CES Credit Union, Inc., we will not share information we have collected about you, except as permitted by law.

Employee Confidentiality

CES Credit Union, Inc. restricts access to nonpublic personal information about you to those employees who have a specific business purpose for using it. Our employees are trained on the importance of maintaining confidentiality and member privacy. We maintain electronic and physical safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

Protecting Privacy of Children’s Information

Our online financial services are not designed for or directed toward children. We do not knowingly solicit or collect data from children and we do not knowingly market any service or product to children online. We recognize that protecting children’s identities and online privacy is important, and that the responsibility rests with us and the parents.

What Members Can Do to Help

CES Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

  • Protect your account numbers, plastic card numbers, PINs (personal identification numbers), or passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.  Choose your PIN carefully, and avoid using a PIN related to your address, DOB, telephone number or SSN.
  • Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the Credit Union and asks for your account number, you should beware. Official Credit Union staff will have access to your information and will not need to ask for it.
  • Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you quickly. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
  • If you will be traveling for an extended period, or travelling out-of-state or out-of-country, please let us know. This may help explain unusual or out-of-the-ordinary transactions on your account or card with us.
  • Let us know if you have questions.  Please remember to not give any personal information to anyone you question has a legitimate reason to obtain that information.  Call us on our published number if you are unsure.

Internet Privacy

Every computer on the Internet is identified by a unique number called an IP address which is assigned each time you connect to the Internet.  When you visit any website, your IP address is recorded. CES Credit Union collects site management information for statistical purposes only to create summary statistics. These summary statistics are used for the purpose of assessing what information may be more interesting or less interesting, determining best design and technical specifications, monitoring system performance and detecting any problem areas. In addition, we do not monitor your Internet activity. No information which would identify you personally is collected or used for any of these purposes.

If you send us any information voluntarily from one of our web forms, we will collect and use the information to respond or act on your request, and may store these requests to provide us with information for possible future improvements to our web site. CES Credit Union never sells member information nor creates individual profiles with the information you provide.

To provide you with greater access to information, our site contains links to other sites.  These sites are not owned, operated, or maintained by CES Credit Union, and we do not endorse nor are we responsible for the products or services they promote. You are responsible for viewing and abiding by the privacy statements and other terms and disclosures posted on the third party sites.


If you have any questions concerning CES Credit Union's Internet Privacy Statement, please send an e-mail to, or call us at 1-888-397-1136, or write to us at P.O. Box 631, Mount Vernon, OH 43050. We reserve the right to change our privacy policy and this privacy notice from time to time without prior notice to you, unless prior notice is required by law.

Multi-factor Authentication (MFA) is designed to protect your information

Your online account will be protected with a higher level of security.  The Access Online security enhancements better protect you against online theft and fraud, provide you with more peace of mind when banking online, and will help minimize the risk of falling victim to a “spoofed” web site.

How It Works

You will complete a simple, one-time enrollment process the first time you log into the enhanced system.

  1. You’ll select a picture from an online library of images; the image will be displayed to you on future Access Online logins.  The image is known only to you and the credit union.
  2. You’ll enter a word or phrase that will be displayed along with your image when you login.  The text phrase is known only to you and the credit union.
  3. You’ll select three “Challenge Questions” and provide the answers to the questions.

Logging into Access Online

After enrollment, when you log into Access Online you’ll enter your User ID.  Then, we’ll show you the picture and text phrase you selected.  If the image and phrase shown to you are correct, you’ll continue with the login and enter your password.  This is your assurance that you are logging into the legitimate CES home banking web site, since no one else knows your image and text phrase – only you and us.

Challenge Questions

Challenge questions will only be displayed if you log into Access Online from a different computer than you used when you enrolled.  If we don’t recognize the computer, we will double check that it is really you.  This is another layer of security designed to protect your account from unauthorized access if your account information is stolen, and help us identify you when you are logging into  Access  Online from an unknown computer.  You’ll have the opportunity to “register” computers you regularly use to access your online account.  Once you successfully answer the question, we’ll show you your picture and phrase.

This enhanced security will not require you to have any additional hardware or software for your computer.  All of the identification and validation takes place behind the scenes – creating a silent but secure login.

The protection of your financial information and the security of your online transactions are very important to us.  We will continue to update you as we get closer to implementation.

Thank you!

This is not a measure in response to any security problem. Rather it is a proven security method to authenticate the user and deter potential fraud attempts.