closeup of a woman's hands typing on a laptop keyboard

SMS Privacy Policy and Messaging Terms





SMS Privacy Policy and Messaging Terms

Members Choice Credit Union respects your privacy and is committed to protecting the personal information you provide when you participate in our SMS text messaging programs. These SMS Privacy Policy and Messaging Terms govern your participation in Members Choice Credit Union’s text messaging services.

Information We Collect

When you opt in to receive SMS text messages from Members Choice Credit Union, we may collect the following information:
  • Your mobile phone number
  • Your name, if provided
  • The content of text messages you send to us
  • Message interaction data, including delivery status, timestamps, and opt-in or opt-out status
  • Technical information related to message delivery, such as carrier information

This information is collected when you enroll in the SMS program, communicate with us via text message, or interact with SMS notifications.

How We Use SMS Information

We use SMS-related information solely for purposes related to providing and supporting our text messaging services, which may include:
  • Sending account alerts, security notifications, fraud alerts, and identity verification passcodes
  • Responding to member service inquiries and HELP requests
  • Communicating important credit union information related to your accounts
  • Sending administrative or compliance-related messages, including confirmation of opt-in or opt-out requests
  • Maintaining records of consent and compliance with applicable state and federal laws

SMS information is not used for purposes unrelated to the SMS service.

Consent and Participation

By providing your mobile phone number and opting in, you consent to receive text messages from Members Choice Credit Union at the number you provided. Consent to receive SMS messages is not a condition of any product or service.

When you opt in, we may send a confirmation message to verify your enrollment. Message frequency varies and may depend on your interactions, account activity, and service requests.

Message and data rates may apply.

Opt-Out and Revocation of Consent

You may revoke your consent at any time.

You can opt out by replying STOP, QUIT, END, REVOKE, OPT OUT, CANCEL, or UNSUBSCRIBE to any message. You may also submit an opt-out request through any reasonable means that clearly communicates you no longer wish to receive text messages, including by phone, through a website or form we provide, by email, through a secure message, or in person at a branch.

We honor consent revocation and do-not-call requests as soon as practicable and no later than ten business days from receipt. After you opt out, we may send a one-time confirmation message, which will not include marketing content.

If you later wish to re-enroll, you may follow the opt-in instructions provided by the credit union or reply START where applicable.

Sharing of SMS Information

Members Choice Credit Union does not sell, rent, or share your mobile phone number, SMS opt-in information, or consent status with third parties or affiliates for marketing or promotional purposes.

We may share SMS-related information with trusted third-party service providers, including our SMS platform provider and participating mobile carriers, solely as necessary to deliver text messages and operate the SMS service. These service providers are contractually required to protect your information and use it only for authorized purposes.

Data Security and Retention

We maintain administrative, technical, and physical safeguards designed to protect SMS information from unauthorized access, use, or disclosure.

SMS information is retained only as long as necessary to provide the SMS service, maintain records of consent, and comply with applicable legal and regulatory requirements.

Carrier Disclaimer

Wireless carriers are not liable for delayed or undelivered messages.

Your Privacy Rights

Members Choice Credit Union maintains limited SMS-related information necessary to administer the SMS service, such as your mobile number and consent status.

You may contact us with questions about your participation in our SMS programs or to request assistance with opting out or updating your preferences. Requests are handled in accordance with applicable state and federal law.

Contact Information

If you have questions about our SMS privacy practices or your participation in our text messaging programs, please contact:

     Members Choice Credit Union

     Phone: 800.753.2428

     Or through a secure message in your digital banking account

For general privacy practices, please review our full Privacy Policy.