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Privacy Policy



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.


The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Name and address, Social Security numbers, Account number(s) and transactions, advances and account history.
  • Information to process transactions on your behalf, conduct the operations of the credit union, and to provide you with certain financial services and opportunities.


All financial companies need to share certain personal information to run their everyday business. In the section below, we list the reasons financial companies (including CES Credit Union) can share their members’ personal information; the reasons CES Credit Union chooses to share; and whether you can limit this sharing.


Who is providing this notice?

CES Credit Union, Inc., P.O. Box 631, Mount Vernon, OH 43050 (with centers located in Delaware, Loudonville, Mount Vernon and Utica, Ohio.)


How does CES Credit Union 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. CES Credit Union will only share information with affiliates that have been approved by the Board of Directors of CES Credit Union.

How does CES Credit Union collect my personal information?

We collect your personal information, for example, when you:

  • apply for membership or provide information on applications and other forms
  • conduct transactions with us or others
  • have information we may obtain from a consumer reporting agency, or from consumer purchasing and census data.

Why can’t I limit all sharing?

CES Credit Union does not sell member information. In accordance with Federal law, CES does
share information for affiliates’ everyday business purposes including some
information about your creditworthiness. You may limit affiliates from using your information
to market to you, and sharing your information to non-affiliates to market to you. State laws
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?
All of the account information is limited, including the joint account-holder’s information.


Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies.

Non-affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies. This may include (but is not limited to) data processors, statement processors and printers, and other processors providing services such as shared branching, ATM, Debit Card and services.

Joint marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you. CES Credit Union offers competitive products and services which may require sharing information to complete your transactions.

To Limit Our Sharing

Call us at (740) 397-1136, or toll-free at (888) 397-1136, and request to opt-out of sharing, (If you leave a message, include name and account number or numbers, or email this information to marketing@cescu.com.) Please note: If you are a new member, we can begin sharing your information on the day you receive this notice. When you are no longer a member, we continue to share your information as described in this notice. However you may contact us at any time to limit our sharing. QUESTIONS? Call us at (740) 397-1136 or toll-free at (888) 397-1136.

Employees and Confidentiality

CES Credit Union, Inc. restricts access to nonpublic personal information about you to only 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.

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 or texts 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 (but we will not be asking for your card or account information).
  • If you will be traveling for an extended period, or traveling 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.
  • Occasionally, our fraud detection service may call you regarding a specific transaction where your card was used. You may be asked to confirm a merchant/vendor and transaction dollar amount (ie “ABC Airlines for $488.66”) to determine if the transaction is a valid one. But again, you will not be asked to give specific account or card information.
  • 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.

Protecting the 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.

Substitute Checks (REG CC)

What is a substitute check?

To make check processing faster, federal law permits financial institutions 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 $2500 of your refund (plus interest if your account earns interest) within ten (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 CES Credit Union, PO Box 631, Mount Vernon, OH 43050 or by telephone: 740-397-1136. You must contact us within 40 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 and/or the following information to help us identify the substitute check:
    • The check number
    • The name of the person to whom you wrote the check
    • The amount of the check
    • Any other important information


The purpose of this policy is to establish and maintain a routine method regarding the collection and handling of drafts and overdrawn share draft accounts (also known as checking accounts) checking accounts (also known as share draft accounts), which minimizes the Credit Union’s potential for loss.

Guidelines – Non-Credit Union Items

Non-credit union items include (but not limited to) items which are made payable to and presented for cash or deposit by Credit Union members but drawn on accounts other than those of the Credit Union. In most instances, the Credit Union will accept the following items for deposit and make funds available without a delayed availability hold. At management discretion, new accounts may require a delayed availability hold on non-cash deposits. If it is deemed that this policy is more restrictive than allowed by Federal Regulation CC, the Federal Regulation will prevail. These items include:

  • Payroll, Government and Insurance Checks.
  • Checks issued by other local, reputable financial institutions and businesses.
  • Personal checks under $250.00.
  • Money orders, cashier’s checks, and certified checks.
  • Electronic or direct deposit  payments.

A delayed availability hold will be placed on the following items:

  • Checks drawn on a foreign bank.
  • Personal checks over $250.00.
  • Checks issued by individuals or businesses with which the Credit Union has had previous returns or is aware of collection issues with other financial institutions or businesses.
  • Starter checks or temporary checks.

Notification of a delayed availability hold will be provided to the member at the time of deposit to those members in our office and by mail to those who have made the deposit by method other than in person. These holds may be lifted by management approval and are subject to a case-by-case review.

For Credit Union Share Draft (Checking) Accounts

Checking accounts (also known as share draft accounts), will be made available to all Credit Union members currently in good standing and who have had no previous problems maintaining a share draft checking account with the Credit Union or other financial institutions.

Unpaid checks (drafts) will be returned in a timely manner through normal Credit Union channels. Drafts will not be “held” because a member is to make a deposit later that day or will have payroll distribution the following business day. A member’s abuse of a share draft account for excessive overdrafts may result in the account being closed as determined by the Credit Union and as outlined below.

  1. Any account which has had more than three returns in a five day period or more than five returns in a one week period may be closed at the discretion of the Credit Union. If it is determined that the account should be closed, an adverse action notice will then be sent to the account owner at last known address by certified mail, return receipt requested.
  2. Any account, which has exceeded any overdraft line of credit, may be closed at the discretion of the Credit Union. if it is determined that the account should be closed, an adverse action notice will then be sent to the account owner at last known address by certified mail, return receipt requested. (Note: Overdraft Line of Credit is not available on a business, organization or club checking account).

In the above instances, the Credit Union will offset the amount of the overdraft to the member’s share account and the draft account will be flagged closed and pursued for collection by the collection department. Any account which the Credit Union has closed and which have maintained a negative balance for a period of more than 180 days may be charged-off and reported as an unpaid charged-off account to the appropriate credit bureau. At any time during the collection process the Credit Union determines that acceptable arrangements for payment(s) cannot be made, legal action may be taken and/or the account may be placed with an outside collection agency. Members will be held liable for any fees associated with the collection of these accounts. All rules, including applicable fees, as may apply to other members, will be enforced on Official Family and employee accounts.