USA Patriot Act Disclosure
Pursuant to the USA Patriot Act,
Section 326, First Choice Community Credit Union is required to verify the identity of individuals applying for
membership and opening new accounts or services with the credit union. Information we are required to obtain
- Street address (and mailing address, if different from street address)
- Identification number (SSN, passport number and country of issue, alien ID card number)
- Date of birth (birth certificate required for minor accounts)
- Copy of current government issued photo ID (driver’s license, state ID, military ID, etc.)
Additional data may also be gathered depending on the type of account to be opened. Data on existing members may be
gathered as an additional product or service is requested.
The USA Patriot Act also requires First Choice to maintain all records of any documentary evidence used for verifying
the member for at least five years after the date an account is closed.
Web Site Disclosure
First Choice Community Credit Union uses reasonable efforts to include accurate and up-to-date information on this web
site. However, First Choice Community Credit Union makes no warranties to its accuracy and therefore assumes no liability
or responsibility for any errors or omissions in the content of the First Choice Community Credit Union site.
First Choice Community Credit Union does not review all of the sites that are linked our web site, nor does First Choice
Community Credit Union endorse or control the external web sites that may be found as links from our web site nor other
sites to which they may link. First Choice Community Credit Union is not responsible for the content or the accuracy of the
content in the linked sites.
Web-Site Statement Internet Gambling and
First Choice Community Credit Union
With the dramatic increase in Internet-based wagering, Congress has acted to ensure that illegal Internet gambling
is thwarted, and has enlisted credit unions to assist in this effort. Congress concluded that new mechanisms for
enforcing gambling laws on the Internet were necessary because traditional law enforcement mechanisms are often inadequate
for enforcing gambling prohibitions or regulations on the Internet, especially when it crosses state or national borders.
Whether an individual engages or a business engages in Internet gambling processes, it is important to know what
First Choice Community Credit Union is now doing to ensure that these activities are not being conducted unlawfully.
The Unlawful Internet Gambling Enforcement Act (UIGEA) requires us to do certain things,
and permits us to do others.
What First Choice Community Credit Union MUST Do
- Under Federal rules, credit unions must have policies and procedures to block
transactions that finance Internet gambling by credit and debit cards.
- First Choice Community Credit Union is permitted to rely on the procedures
established by credit card operators (VISA) to block illegal gambling transactions. While it is up to VISA to determine
their specific procedure, it is possible that they may not differentiate between lawful and unlawful gambling, choosing
instead to block all gambling transactions.
- First Choice Community Credit Union must screen business customers
at the time of an account opening to establish the level of risk that the new account holder might be for
participating in restricted activities.
- First Choice Community Credit Union is required to notify our business
customers that illegal Internet gambling transactions are prohibited and cannot be processed through the bank.
When First Choice Community Credit Union receives a report from a law
enforcement or regulatory agency that an account is processing restricted transactions, we must first determine whether
the transactions are legal or illegal, and if illegal, take appropriate actions (such as closing the account).
What First Choice Community Credit Union is Permitted to
- We or our credit card operators are permitted to "over block"
transactions, which means that we can block Internet gambling transactions whether legal or illegal.
What You Should Do
- The UIGEA does not change the legality of any gambling activity. Individuals and
businesses should never participate in illegal gambling activities of any kind. Just as important is to know which
activities are lawful and permitted, and which are not. There are a myriad of Federal, state and Tribal laws prohibiting
or regulating gambling, and you should be knowledgeable about those that affect your particular activities.
- First Choice Community Credit Union maintains written policies and procedures for
how it will comply with the Unlawful Internet Gambling Enforcement Act.