Click on the below documents and disclosures to review or print.

• myACFCU Online Remote Deposit Agreements and Disclosures
• What you need to know about Overdrafts and Overdraft fees
• Commercial Business Membership Agreements and Disclosures
• Membership Agreements and Disclosures
• Consent to Receive Electronic Documentation
• Discretionary Courtesy Pay
• Account to Account Funds Transfer Agreement
• Fair Credit Report Act
• USA Patriot Act
• Abusive Member Policy
• Fee Schedule
• Non-Participation Policy
• Military Lending Act Disclosure
• VISA Credit Card Disclosure
• Equal Opportunity for All
• Bump Rate Disclosures
• 18-Month Bump Rate Disclosure

WHAT DOES APPALACHIAN COMMUNITY FEDERAL CREDIT UNION
DO WITH YOUR PERSONAL INFORMATION?

Facts

Why?

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.

What?

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

• Social Security Number (SSN) and income
• Account balances and payment history
• Credit history and credit scores

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information, the reasons Appalachian Community Federal Credit Union chooses to share, and whether you can limit this sharing.

How does Appalacian Community share your information?

Reasons we can share Your personal information	Does the Credit Union share?	Can You limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes - to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes - information about your transactions and experiences	No	We don't share
For our affiliates’ everyday business purposes - information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For non-affiliates to market to you	No	We don't share

Questions?

Call (800) 378-3778 or write to us at: 201 E. New Street, Kingsport, TN 37660

What We do

How does Appalachian Community Federal 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.

How does Appalachian Community Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

• Open an account or deposit money
• Pay Your bills or apply for a loan
• Use Your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or others.

Why can't I limit all sharing?

Federal law gives you the right to limit only

• Sharing for affiliates' everyday business purposes – information about your creditworthiness
• Affiliates from using Your information to market to you
• Aharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies. Appalachian Community Federal Credit Union does not share with our affiliates.

Non-Affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies. Appalachian Community Federal Credit Union does not share with non-affiliates so they can market to you.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our joint marketing partners include categories of companies, such as:

• Financial service providers
• Insurance companies