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Merced School Employees Federal Credit Union Homepage

Online Privacy Policy

Merced School Employees Federal Credit Union
cu@home Login

MSEFCU Online Privacy Policy

At the Merced School Employees Federal Credit Union, we respect your right to privacy and understand the importance of maintaining the security of your personal information. This Online Privacy Policy only relates to the information we collect online through, our cu@home Online Banking platform and our MSEFCU Mobile App (which will be referred to as the "Online/Mobile Banking Platforms"). We ask that you read this Policy carefully. By using any of the Online Platforms, you consent to this Policy.

This statement is in addition to  MSEFCU'S Federal Privacy Policy and MSEFCU's Important Privacy Choices for Consumers. We'll use and share any information that we collect from or about you in accordance with these policies.

Information we collect about you:

When you visit our Online/Mobile Banking Platforms, you may be asked to provide information about you that is personally identifiable ("Personal Information"). This may include:

  • First and last name;
  • Physical or home address;
  • E-mail address;
  • Phone number;
  • Driver’s license image; and
  • Social Security Number

In addition, we may collect and store the following information about your visit: the internet protocol (“IP”) address from which you access our Online Platform(s); the type of browser and operating system used to access our Online Platform(s);  the unique identifier of the device from which you access our Online Platform(s), the date and time you access our Online Platform(s); information about your location; financial and transaction information inputted and accessed when using our Online Platform(s); device photos submitted through Remote Deposit Capture (RDC) or shared through conversations;  the pages you visit and the information you request on our Online Platform(s); and analytical information that may assist with diagnostics and performance.

Online Banking Security

MSEFCU is committed to protecting your personal information.  Our Online Banking system uses several different measures to ensure your information is protected.  All information within our online banking uses the Secure Socket Layer (SSL) protocol to ensure that your account information transmitted is protected.  All information transferred through Online Banking has a 256-bit encryption to make your information unreadable as it passes over the internet.  Other online security measures include: automatic time out that occurs if there is no activity within the required time period, recognizing the user’s computer and usage patterns, limited log-in attempts, challenge questions and security phrases.

As fraud cases are on the rise, it is also important that you take your own measures to ensure your information remains protected. 

Here are some tips on how to stay safe when conducting business online.

  • Never give out any personal information including User Names, Passwords, Social Security number, or Date of Birth
  • Don’t respond to email, text, and phone messages that ask for personal information.  Legitimate companies don’t ask for information this way.
  • Create passwords that mix letters, numbers, and special characters.  Don’t use the same password for more than one account.
  • Don’t use personal information for your user names or passwords, such as birth dates or Social Security number.
  • If you shop or bank online, use websites that protect your financial information with encryption.  An encrypted website has “https” at the beginning of the web address; “s” is for secure.
  • If you use a public wireless network, don’t send information to any website that isn’t fully encrypted.
  • Use anti-virus and anti-spyware software, and a firewall on your computer.
  • Set your computer’s operating system, web browser, and security system to update automatically.

For more information click the link below:

Federal Trade Commission: Consumer Advice - Online Privacy and Security

Information we share with third parties

All financial companies need to share members' personal information to run their everyday business. Please see the MSEFCU’s Federal Privacy Policy for information on the reasons financial companies can share their members' personal information; the reasons Merced School Employees Federal Credit Union chooses to share; and whether you can limit this sharing.

How can you make sure your information is accurate?

Keeping your account information accurate and updated is very important. If you're using MSEFCU's Online/Mobile Banking, you have the means to review and maintain your details. To update, simply navigate to the Settings screen and select Profile. Here, you can modify your profile picture, preferred name, email, phone numbers, and street address.

You can also update your information by visiting any one of our branches.

Google Analytics

We use Google Analytics to better understand how users are visiting and using our Online/Mobile Banking Platforms. We do not use Google Analytics to track, collect or upload any data that personally identifies an individual (such as name, address or email address) or other data which can be reasonably linked to such information by Google. We do not receive personally identifiable information about users through our Online/ Mobile Banking Platforms. You may review further information about how Google Analytics collects and processes data and how to control the information sent to Google at "How Google uses information from websites or apps that use our services" at


Cookies are small files containing limited data that are created when you access our Online/ Mobile Banking Platforms. Cookies can be accessed by our Online/ Mobile Banking Platforms to enhance your use of our Online/ Mobile Banking Platforms and their functionality. Our website employs first-party cookies to elevate the overall user experience and monitor your interactions on the Online/Mobile Banking Platforms. These cookies are directly set by our domain, meaning if you're on "", the first-party cookies on your device originate from "". Their primary roles include:

  • differentiating between individual users
  • recalling user preferences and settings
  • verifying user identities
  • retaining items in shopping carts
  • and overseeing other core functionalities that are essential for smooth website operation.

You may elect to set your web browser to inform you when cookies are set or turn off cookies by adjusting the appropriate settings on your browser. Please consult the HELP menu of your browser to learn how to turn your cookies off. If you turn off your cookies you may find your use of the internet or our Online/Mobile Banking Platforms are impaired or otherwise limited and some online banking functions may not work properly.

Some of our business partners or associates (for example, advertisers) may use cookies on our Online/Mobile Banking Platforms. However, we have no access to or control over those cookies. Google may also use cookies to deliver advertisements to you based on your past visit(s) to our Online/Mobile Banking Platforms. You may opt out of Google's use of cookies by visiting Google's Ad Settings.

Children's Online Privacy Protection Act Disclosure

Children’s Online Privacy Protection Act of 1998-COPPA. We recognize the particular importance of protecting privacy where children are involved. We are committed to protecting Children’s privacy on the Internet. MSEFCU does not intend for our website to be directed at children less than 13 years old, but individuals within this age group could register for online accounts (when available). MSEFCU does not knowingly collect or use personal information from children under 13 without containing verifiable consent from their parents. Should a child whom we know to be under 13 send personal information to us (name, address, email, account number, telephone, social security number), we will only use that information to respond directly to that child, seek parental consent, or provide parental notice. We are not responsible for the data collection and use practices of nonaffiliated third parties to which our websites may link. A parent or guardian has the right to review the personal information collected on a child under 13 years old. If requested, the parent or guardian can have the information deleted and refuse to allow any further collection or use of the child’s information. For additional information on COPPA protections, please see the FTC website at:

Disclaimer: Links to other websites found here are provided to assist in locating information. MSEFCU does not provide, and is not responsible for, the product, service, or overall website content available at a third party site. MSEFCU neither endorses the information, content, presentation, or accuracy nor makes any warranty, express or implied, regarding any external site.

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