Sidney Federal Credit Union

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Data Breaches: What You Need to Know

With so many merchant data breaches in the news, we want you to know that sfcu is ready to help if your personal or financial data is ever compromised. We take service to our members seriously and will do everything we can to ensure that action is taken – quickly – to help you avoid becoming a victim of identity or account theft.

Your credit union is subject to strong data security standards established by Congress and federal regulators. While data breaches can happen anywhere, we are ready with a plan designed to ensure the safety and confidentiality of your sensitive data.

Unfortunately, merchants and retailers aren’t subject to these federal requirements. Many of them follow their own data security standards, but the recent rash of data breaches shows that much more needs to be done. When it comes to protecting your personal information, every measure counts.

When your debit or credit card data is breached at retailer, the cost of card replacement or account reimbursement to you is typically paid not by the merchant where the breach occurred, but by your credit union.

We want you to know that in the event of any breach affecting your accounts, this credit union will always do what we can to make you whole. In the meantime, credit unions around the country are leading the effort to get Congress to pass legislation ensuring merchants and retailers meet a national standard for protecting any of your financial data they collect when you make a purchase. We hope you will support us in this effort.

While we can’t control what happens at merchants and retailers, we want you to know that sfcu will do everything we can to assist you and your family if a breach does occur when you use your sfcu debit or credit card. You can always feel free to reach our member service department at 877-642-7328.

Another great reason to have our CU-Online service... e-Lerts!

The saying "knowledge is power". Knowing when your checking, savings or credit card balance changes, when a loan is due, or when an advance on an Overdraft Loan occurs gives you the power to manage and protect your finances in real time. Sign up for e-Lerts text messages, or e-mails, or both concerning your account activities as they occur.

You need to be set up for CU-Online to get the e-Lerts. Getting e-Lerts is quick and easy. First you must have a CU-Online account. Go to, click on the personal tab, scroll down and click On-Line Banking and follow the sign up now prompt at the bottom of the page.

Once enrolled into CU-Online sign in to your account, go to access accounts and click e-mail notification, click e-Lerts options , select add e-Lerts and choose the e-lerts you want to set up for your accounts.

Here is a snapshot of the e-Lerts you can choose from:

Knowledge is powerful and having e-lerts on your account is a powerful money management and protection tool... you deserve!