Privacy Policy

Here's how we use your personal information.

We respect your privacy and we're transparent about how your information can be accessed.

Download our Privacy Policy.

Google Analytics

Capital Credit Union uses Google Analytics, a service that uses “cookies” to track anonymous information regarding your activities on this site. This includes information about your visit including your device type, traffic source and geographic area, as well as pages visited and links clicked. Some behavioral data may be provided by Google “cookies” that shows your gender and age range. This data is used to better understand how visitors access this site and provide a better overall user experience.

Google Adwords & Remarketing

Capital Credit Union uses “cookies” to benefit our marketing campaigns. This includes tracking when campaigns result in a conversion, such as a user showing interest in a specific product. These “cookies” can also be used to present you with advertisements based on your actions on this site.

Facebook Pixel

Capital Credit Union uses the Facebook Pixel to track activity on this site potentially including pages visited and links clicked. This data is used to track the effectiveness of our Facebook posts and advertisements, as well as to build remarketing audiences based on actions taken on this site.

Capital Credit Union takes your privacy seriously and ensures that no personally identifying information is stored in the “cookies."

To opt out of Google’s cookies, click here.
To opt out of third-party cookies, click here.

Mobile & Online Banking Privacy Policy

Capital Credit Union (“we,” “our,” or “us”) is committed to protecting your privacy. Below we describe how we collect, use, access, and share personal and sensitive information through our mobile banking application (“App”), powered by Jack Henry™ Banno services.

  1. Information We Collect. We collect the following categories of personal and sensitive information when you use our App:
    1. Personal Identifiers
      1. Name
      2. Address
      3. Email address
      4. Phone number
      5. Username and login credentials
    2. Financial Information
      1. Account balances
      2. Account numbers (masked where appropriate)
      3. Transaction history
      4. Payment and transfer details
      5. Credit/debit card information
    3. Transaction Data
      1. Transfers between accounts
      2. Bill payments
      3. Debit/credit activity
      4. Mobile deposit activity
    4. Location Data
      1. Approximate or precise location (if enabled by your device)
      2. Used for fraud prevention, security monitoring, and improving services
    5. Device & Usage Information
      1. Device type, operating system, and browser
      2. IP address
      3. App usage data and logs
      4. Authentication and session details
    6. Images & Files (Photos)
      1. Images of checks captured for mobile deposit (Remote Deposit Capture / RDC)
      2. Any images voluntarily uploaded within the App 
         
  2. How We Use Your Information. We use collected data for the following purposes:
    1. Provide and maintain mobile banking services
    2. Process transactions, payments, and mobile deposits
    3. Authenticate users and prevent fraud
    4. Monitor and enhance security
    5. Improve App performance and user experience
    6. Communicate important service updates and alerts
    7. Comply with legal and regulatory requirements
        
  3. How We Share Information. We may share your information with the following parties:
    1. Service Providers: We share data with trusted third-party providers who support our services. These providers are contractually obligated to protect your data and use it only for authorized purposes. Providers include:
      1. Jack Henry & Associates, Inc. (Banno platform provider) for mobile banking infrastructure
      2. Payment processors and transaction networks
      3. Identity verification and fraud monitoring services
      4. Cloud storage and hosting providers
    2. Legal & Regulatory Authorities: We may disclose information:
      1. To comply with applicable laws, regulations, or legal processes
      2. To respond to lawful requests from public authorities
      3. To protect against fraud, unauthorized transactions, or security threats
    3. Business Transfers: In the event of a merger, acquisition, or asset sale, your data may be transferred as part of that transaction.
       
  4. Permissions We Request. To provide full functionality, our App may request access to the following:
    1. Camera / Photos (Required for Remote Deposit Capture)
      1. Access to your device camera and photo library is required for Remote Deposit Capture (RDC)
      2. This allows you to take and upload images of checks for deposit
      3. Images are securely transmitted and stored in accordance with financial regulations
      4. We do not access your photos unless you actively initiate a remote deposit capture or choose to upload an image
    2. Location (Optional)
      1. Used for fraud detection and security monitoring
      2. Helps identify suspicious activity and protect your account
    3. Notifications
      1. Used to send account alerts, transaction updates, and security notifications
      2. You can manage or revoke these permissions at any time within your device settings
         
  5. Data Security. We implement industry-standard security measures to protect your information, including:
    1. Encryption (in transit and at rest)
    2. Multi-factor authentication (MFA)
    3. Secure login protocols
    4. Continuous monitoring for unauthorized access
       
  6. Data Retention. We retain your information only as long as necessary to:
    1. Provide services
    2. Meet legal and regulatory obligations
    3. Resolve disputes and enforce agreements
       
  7. Your Privacy Choices. You may:
    1. Access and review your account information within the App
    2. Update or correct personal information
    3. Disable location services or permissions via device settings
    4. Contact us to request additional privacy-related actions
        
  8. Children’s Privacy. Our App is not intended for individuals under the age of 13. We do not knowingly collect personal information from children.
      
  9. Changes to This Policy. We may update this Privacy Policy periodically. Updates will be posted within the App and reflect a new “Last Updated” date.
If you have questions about this Mobile & Online Banking Privacy Policy or our data practices, please contact:
Capital Credit Union
204 W. Thayer Ave., Bismarck, ND 58501
701.255.0042
[email protected]