Digital Banking Privacy Policy | Dynamic Federal Credit Union

Share/Savings
Your membership to Dynamic Federal Credit Union starts here! When you open your savings account (principal share), you become a member and owner of Dynamic FCU. The funds you deposit into this account are considered your “shares” in the credit union. This gives you a voice in the credit union’s decisions and allows you to participate in our cooperative.

Whether you are planning for short-term goals like saving for Christmas, an upcoming vacation, or annual home expenses… or long-term goals like your child’s first vehicle or college… our various savings accounts have you covered!

A minimum balance requirement of $5.00 is all you need to open your new:

Principal Share
- ATM card available with a principal share account.
Christmas Club
- Save all year for your Christmas shopping.
Subsidiary Share – Vacation, Escrow, etc.
- Budget savings accounts can be set up to help you achieve your financial goals.
Student Share
- Perfect for the child in your life… help them reach for the stars with this high-yield savings account!
Click here for a list of our current rates.

Your money is federally insured to at least $250,000 and backed by the full faith of the United States Government through the National Credit Union Administration.

Share Certificate Accounts
Looking to earn some extra cash on your savings? Our Share Certificates are the perfect option to store some of your extra money. Our flexible term options allow you to choose a product that best fits your financial goals. Are you needing your money sooner rather than later? Choose a shorter term. Able to invest longer? Take advantage of the higher rate of return on our longer-termed Share Certificates.

All terms require a minimum deposit of $500:
- 6 month
- 12 month
- 18 month
- 24 month
Click here for a list of our current rates.

Your money is federally insured to at least $250,000 and backed by the full faith of the United States Government through the National Credit Union Administration.

Health Savings Accounts
A Health Savings Account (HSA) is more than just a savings account for medical expenses. As the cost of healthcare rises, an HSA gives you some control over your medical spending. If you have a High-Deductible Health Plan (HDHP), you are eligible to open an HSA to help you pay for deductible health expenses and other out-of-pocket medical costs while you save for future medical expenses.

Please consult your tax advisor to ensure you are eligible and to discuss the tax guidelines.

HSA accounts have many benefits:
- Dividends are earned tax-free.
- You can deduct contributions that you make to your HSA on your federal income tax return.
- Any HSA contributions made through payroll deduction reduce your federal income tax liability and Social Security and Medicare taxes.
- Earnings in your HSA grow tax-deferred.
- HSA distributions that you use to pay for qualified medical expenses are tax-free.
- You are in charge of your HSA assets.
- You can withdraw money for medical expenses at any time.
- You can carry over your HSA balance from year to year.
- You own the HSA and can take it with you even if you change health plans or employers.
Access your Dynamic HSA with an HSA MasterCard Debit Card and HSA checks.

Click here for a list of our current rates.

Your money is federally insured to at least $250,000 and backed by the full faith of the United States Government through the National Credit Union Administration.

The Credit Union is hereby authorized to recognize the signature(s) subscribed hereto in the payment of funds or the transaction of any business for this account. I agree to allow the Credit Union to obtain periodic credit reports. The right or authority of the Credit Union under this agreement shall not be changed or terminated except by written notice to the Credit Union which shall not affect transactions theretofore made.

BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays.

TYPES AND LIMITATIONS OF SERVICES

ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate to make the following transactions: (a) withdraw cash from Your designated share and share draft Account(s); (b) transfer funds between Your share and share draft Account(s); and (c) make balance inquiries on Your share and share draft Account(s) with Us. ATM and POS withdrawals may not exceed a total of $500.00 per day (share, share draft and line of credit combined), subject to the available funds in Your Account.

If You fail to tell Us within 2 business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500.00.

UNAUTHORIZED TRANSFERS. To report a lost or stolen Card, PIN, Access Code or any combination thereof, You will call Us at (419) 586-5522. You may also report the loss of a Card, PIN, Access Code or any combination thereof, by writing to Us at 900 E. Wayne Street, Celina, OH 45822. You should also call the number or write to the address listed above if You believe a transfer has been made using the information from Your check without Your permission.

FOREIGN TRANSACTIONS. For transactions initiated in foreign currencies, the exchange rate between the transaction currency and the billing currency (U.S. dollars) will be: (a) a rate selected by MasterCard from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate MasterCard itself receives; or (b) the government-mandated rate in effect for the applicable central processing date. In each instance You will be charged up to 1.00% calculated on the final settlement amount for transactions that are initiated in foreign countries, and if Your transaction is also initiated in a foreign currency You will be charged up to an additional 1.00% calculated on the final converted settlement amount. Transactions initiated via the internet with merchants or other parties located outside of the United States of America are deemed to occur in the foreign country where the merchant or other party is located.

TERMINATION. We may terminate Your right to use Your Card, PIN or Access Code, or cancel this Agreement at any time upon written notice. You may request termination of these services in writing.

Eligible items: You agree to scan and deposit only "checks" as that term is defined in Federal Reserve Regulation CC ("Reg. CC"). When the image of the check transmitted to Dynamic is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code. You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered ineligible items:

Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
Checks previously converted to a substitute check, as defined in Reg. CC.
Checks drawn on a financial institution located outside the United States.
Checks drawn or otherwise issued by you or any other person on any of your accounts or any account on which you are an authorized signer or joint account holder.
Checks that are remotely created checks, as defined in Reg. CC.
Checks not payable in United States currency.
Checks dated more than 6 months prior to the date of deposit.
Checks or items prohibited by Dynamic's current procedures relating to the Services or which are otherwise not acceptable under the terms of your Dynamic account.
Checks payable on sight or payable through Drafts, as defined in Reg. CC.
Checks with any endorsement on the back other than that specified in this agreement.
Checks that have previously been submitted through the Service or through a check deposit capture service offered at any other financial institution.
Checks or items that are drawn or otherwise issued by the U.S. Treasury Department. 6. Deposit Limits. We may establish limits on the dollar amount and/or number of items or deposits, and such limits may be subject to change without notice. These limits are available to view on www.Dynamicfcu.com. If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and we will not be obligated to allow such a deposit at other times. 7. Endorsements and Procedures. You agree to restrictively endorse any item transmitted through Mobile Check Deposit Service with the signature of all payees and by designating the item as "For Mobile Deposit Only, Dynamic FCU". You agree to follow any and all other procedures and instructions for use of the Service as we may establish from time to time.

Availability of Funds: You agree that items transmitted using the Services are not subject to the fund’s availability requirements of Federal Reserve Board Regulation CC. In general, if an image of an item you transmit through the Service is received and accepted on a business day that we are open, we consider same day as long as Dynamic Federal CU receives all deposit files by 4:30 PM ET. Files received after this cut-off time will be credited on the following business day. The funds deposited using the Services will generally be made available the one business day after the day of deposit (provided no hold is placed). Deposits made on weekends and credit union holidays will not be considered received until the next business day. If a hold is placed on your deposit, you will be able to see it in the Pending menu in Online or Mobile Banking.

Image Quality: The image of an item transmitted to Dynamic using the Services must be legible, as determined in the sole discretion of Dynamic. Without limiting the foregoing, the image quality of the items must comply with the requirements established from time to time by Dynamic, the American National Standards Institute, the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearinghouse or association.

Receipt of Items: We reserve the right to reject any item transmitted through the Services, at our discretion, without liability to you. We are not responsible for items we do not receive or for images that are dropped during transmission. An image of an item shall be deemed received when you receive a confirmation from Dynamic that we have received the image. Receipt of such confirmation does not mean that the transmission was error free, complete, or will be considered a deposit and credited to your account. We further reserve the right to charge back to your account at any time, any item that we an eligible item. You agree that Dynamic is not liable for any loss, costs, or fees you may incur as a result of our chargeback of an ineligible item.

It may be necessary from time to time to change the terms or conditions regarding your statement access. In the event such a change is necessary, we will display a message when you login to Digital Banking Services.

This is your bill pay agreement with Dynamic Federal Credit Union. You may use Dynamic Federal Credit Union’s bill paying service to direct Dynamic Federal Credit Union to make payments from your designated checking account to the "Payees" you choose in accordance with this agreement. The terms and conditions of this agreement are in addition to the account agreements, disclosures and other documents in effect from time to time governing your account. "You" or "Your" means each person who is authorized to use the service. "Payee" means anyone, including the Credit Union, you designate, and the Credit Union accepts as a "Payee".

If there is no activity on your Bill Pay account for three months there will be a $10 monthly service fee. If funds are not available in your account to pay bills, there will be a $32.00 insufficient funds fee assessed. Please refer to Bill Pay Disclosures below.

How to Set Up Payees/Payments

If you want to add a new "Payee", select the "Payee" tab located in your Bill Pay application or speak to a service representative Monday-Friday 7:30 AM – 2:00 AM by calling 1-866-884-5332.
You may add a new fixed payment to a "Payee" by accessing the service and entering the appropriate information. Most other additions, deletions, or changes can be made in writing or by using the service.
The Credit Union reserves the right to refuse the designation of a "Payee" for any reason.
You may pay any "Payee" within the United States (including U.S. territories and APOs/AEOs).
Dynamic Federal Credit Union is not responsible for payments that cannot be made due to incomplete, incorrect, or outdated information.

Single & Recurring Payments: The system will calculate the Estimated Arrival Date of your payment. This is only an estimate; please allow ample time for your payments to reach your "Payees".

Available Funds: You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as any other payment obligations you have to the Credit Union.

Dynamic Federal Credit Union has the right to terminate this agreement at any time.
You may terminate this agreement by written notice to Dynamic Federal Credit Union.
Dynamic Federal Credit Union is not responsible for any fixed payment made before the Credit Union has a reasonable opportunity to act on your termination notice.
You remain obligated for any payments made by Dynamic Federal Credit Union on your behalf.

Bill Pay is free when you sign up for e-Statements and actively use Bill Pay. There is no limit on the number of bill payments per day. If there is no activity on your Bill Pay account for three months there will be a $10 monthly service fee.

Dynamic Federal Credit Union reserves the right to charge you for research time involving payments no longer available in your screen history. You will be informed of any such charges before they are incurred.

Overnight Fee: $19.95
2nd Day Fee: $14.95 Standard or $4.95 Economy
Charitable Donations: $1.99
Gift Pay: $2.99

We collect various types of information when you use our website, online banking, and mobile application, including: We collect various types of information when you use our website, online banking, and mobile application, including:

Personal Information: Name, address, email, phone number, Social Security Number, account details, and other identifiers.
Device Information: IP address, browser type, operating system, device model, device geolocation, internet service provider, and mobile network information.
Usage Information: Pages visited, features used, transaction history, and other interactions occurring on our digital platforms.
Cookies and Tracking Technologies: We use cookies and similar tracking technologies to improve user experience and analyze website traffic. Some parts of our website may use cookies to store preferences and help us understand how our website is used. Users can configure their browser settings to refuse cookies if preferred.
Online Account Opening: We utilize a third party to collect information for opening accounts. In addition to standard personal identifiable information, applicants will be required to upload a copy of their Photo ID and a Selfie to confirm identity.
Online Loan Applications: We utilize a third party to collect information necessary for submitting loan applications online. In addition to standard personally identifiable information, applicants may be required to upload documentation such as proof of income, identification, and other supporting materials. This information is used to verify identity and evaluate loan eligibility, and it is securely transmitted and stored in compliance with applicable regulations.
Membership Maintenance Requests: We utilize a third party to collect information necessary for submitting change requests related to your membership. This may include, but is not limited to:
Updating your address, phone number, or email contact information.
Changing your statement delivery preferences (e.g., switching between paper and eStatements).
Modifying or canceling recurring or automated transfers.
Requesting the addition or removal of joint account owners or beneficiaries.
Updating your name due to legal changes (e.g., marriage or court order).

To process these changes, members may be required to provide documentation to verify identity and support the requested updates. All submitted information is handled securely and in compliance with applicable laws and regulations.

• Electronic Signatures: We may request and collect electronic signatures from members when submitting applications, agreements, or forms through our digital platforms. Electronic signatures are used to authorize transactions, consent to disclosures, and acknowledge receipt of important documents. By providing an electronic signature, you agree that it carries the same legal validity and enforceability as a handwritten signature under applicable laws. All electronically signed documents are securely transmitted and stored using encryption and access controls to protect your information. Your consent to use electronic signatures is obtained during the relevant process, and you may withdraw this consent at any

time by contacting us, though doing so may limit access to certain digital services.

• Camera and Image Collection: Our banking app may collect and utilize user images for various purposes aimed at enhancing user experience and providing specific functionalities, such as uploading documents, identity verification, signature verification, and remote check deposit capture. Users maintain control over the camera access and usage within the app. Camera access is explicitly requested when the app requires image capture for any functionality. Users can enable or disable camera access at any time through the app's settings. Disabling camera access will prevent the app from utilizing the camera for any functionality requiring image capture. Any images collected are used solely for the intended purposes outlined above and are not shared with any unauthorized parties.

• Payment Information: We collect payment-related information, including account numbers, routing numbers, card numbers, expiration dates, and CVV codes, to facilitate transactions and provide secure banking services. This information is protected using industry-standard encryption and security measures to prevent unauthorized access or disclosure.

• Biometric Data: When you use features such as fingerprint or facial recognition to log into our mobile app, your biometric authentication remains on your device and is not collected or stored by Dynamic FCU. These features are optional and managed through your device settings. If enabled, biometric login provides a convenient and secure method for verifying your identity. Disabling biometric access on your device will prevent its use for authentication in our app.

For more information on how we share and protect this data, please refer to Section 4 – Information Sharing and Disclosure.

We use the collected information for the following purposes:

To provide and manage your account and transactions.
To enhance security and prevent fraud.
To improve our website, mobile app, and online banking services.
To comply with legal and regulatory requirements.
To send service updates, alerts, and marketing communications (with user consent where required).
To analyze user interactions to enhance website performance and usability.
To facilitate automated decision-making processes, such as credit approvals and fraud detection, where applicable.

We do not sell, rent, or share your personal information with third parties for their marketing purposes. Users may opt-out of some data sharing with our third-party providers by contacting us through the contact details provided at the bottom of this policy. Certain financial and regulatory requirements as well as our ability to oLer our services to you may require us to share your personal information. We may share information:

With service providers and partners who assist in delivering our services, including data processors, technology providers, payment processors, fraud detection services, credit reporting agencies, and data analytics providers.
When required by law, such as in response to legal requests or regulatory compliance.
To protect the security of our systems, prevent fraud, or enforce our policies. We also maintain an incident response plan to promptly investigate and mitigate any potential breaches, as described in Section 5.
With third-party vendors that support our mobile and online banking platforms, ensuring secure transactions and seamless functionality.

All service providers and partners are thoroughly vetted and held to security standards consistent with NCUA and applicable data privacy regulations. We ensure that all third parties with whom we share data maintain high standards of data protection and comply with applicable privacy regulations.

Dynamic FCU continuously updates and improves security standards to prevent fraud and unauthorized access. We maintain physical, electronic, and procedural safeguards that comply with federal regulations. Our employees have an appropriate level of access to personal information to perform their duties. Additionally, we work with law enforcement officials to investigate unauthorized access attempts.

We also have an incident response plan in place to address potential data breaches. In the event of a security incident, we will promptly investigate, contain, and mitigate the impact. Where legally required, affected users will be notified and provided with relevant information on protective measures.

We retain collected information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce agreements. Users may request access to, correction of, or deletion of their personal information by contacting us through the contact details provided at the bottom of this policy. Certain financial and regulatory requirements may mandate the retention of some data for a specified period.

Your Privacy Choices

You have control over your personal information, including:

Updating your account details.
Managing cookie preferences in your browser.
Opting out of marketing communications.
Restricting the use of certain data by adjusting settings in our mobile app.

If you provide your mobile phone number to Dynamic FCU, you may receive text messages related to your account activity, transaction alerts, security notifications, service updates, and promotional content. These messages may be sent using automated technology. By providing your number, you consent to receiving such messages. You can opt out of marketing-related text messages at any time by following the instructions in the message (e.g., replying “STOP”) or by contacting us directly. However, you may still receive important account-related or security messages.

Please note that message and data rates may apply depending on your mobile carrier plan. We recommend users refrain from including sensitive or confidential information in text messages. For secure communications, please contact us to utilize encrypted or authenticated alternatives.

Users can manage text message preferences by contacting us directly or by adjusting notification settings within their online or mobile banking profiles.

If you choose to provide an email address, you consent to receiving communications from us, including direct communication from our staL, account notifications, security alerts, and promotional messages. Please note that transactional emails, such as those related to account updates, security alerts, and service notifications, are mandatory and will be sent even if you opt out of marketing emails. If you prefer not to receive marketing emails, you can opt out at any time. Since general email is not secure, we advise against sending us confidential information via email. The credit union has several options for securely sending confidential information. Contact us to learn about our secure messaging options, such as encrypted email or secure upload portals.

We respect the privacy of children and comply with the Children’s Online Privacy Protection Act. We do not knowingly collect personal information from children under 13. If we become aware of such information, we will take steps to delete it. All members under the age of 18 are required to have a parent or legal guardian added as a joint owner to all accounts. When using our online applications, such as: our scholarship and online account opening, all minors are required to have obtained the permission of their parent or legal guardian prior to applying. Dynamic Federal Credit Union will contact the parent or legal guardian before processing any applications.

Share/Savings

Share Certificate Accounts

Health Savings Accounts

Online & Digital Services Privacy Policy

1. Introduction

2. Information We Collect

3. How We Use Your Information

4. Information Sharing and Disclosure

5. Data Security

6. Data Retention and Access

7. Third-Party Services and External Links

8. Mobile Banking & Mobile Website

9. Text Message Communications

10. Email Communications

11. Compliance with NCUA, Google Play Store, and Apple App Store

12. Notice Regarding Children’s Information

13. Changes to This Privacy Policy

14. Contact Us & Accessibility

15. User Consent