Visitors to this credit union website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:
The credit union uses this information to create summary statistics and to determine the level of interest in information available on our site. Visitors may elect to provide us with personal information via e-mail or online registration forms or through Co-Browse support. This information is used internally, as appropriate, to handle the sender's request and the member’s needs. It is not disseminated or sold to other organizations.
Some areas of our website may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.
Hyperlinks and Third Party Sites
Your use of the hyperlinks on this website to access or view other Internet sites is at your own risk. Maine Savings Federal Credit Union (MSFCU) is not responsible for the content or accuracy of third party sites hyperlinked from this website nor does it guarantee the products or services offered on third party sites. You should review the privacy statements of a web site before you provide any personal or confidential information.
Co-Browse Support Terms & Conditions
By clicking “I Agree” or otherwise accessing or using the Co-Browse Support service, you are authorizing Maine Savings Federal Credit Union (MSFCU) and our employees to view and access your web session using third-party software and services, and you are agreeing to be bound by these terms and conditions, effective on the date you agree. If you do not agree with these terms and conditions, you are not authorized to use or engage in a Co-Browse Support session and you should immediately close the window and the browser window containing these terms and conditions. You should carefully review these terms and conditions prior to using the service. You may end your current use of Co-Browse Support at any time by closing your browser window by clicking the “disconnect” button.
Notices and "Joint Memberships"
Except where expressly required by applicable law, we will provide all notices to the person (member) listed first on any application, agreement or other relevant document with us. The notice will be mailed to the address noted for said person on the application, agreement or other document. If this person (member) has agreed to receive notices and disclosures electronically, then we can send all such notices and notifications, to the e-mail or Internet address provided by said person. All joint members, borrowers and guarantors agree to the receipt and sufficiency of any notice or notification sent according to this paragraph.
Interruption of Service
At certain times, Maine Savings Federal Credit Union’s website may not be available due to system maintenance or circumstances beyond our control. Maine Savings conducts frequent and regular backups of your information, and utilizes redundant information practices to protect your information from being erroneously altered due to unintentional errors and equipment malfunctions.
Internet Access Fees and Telephone Charges
You agree to be solely responsible for any telephone charges, internet access fees, and other such similar fees and expenses you incur by accessing Maine Savings Federal Credit Union through this website. Please note that these fees may be assessed and billed separately by your online service provider or phone company. Your Maine Savings profile is created free of charge.
The credit union reserves the right to modify, change or amend this Privacy Statement at any time without notice other than as expressly required by applicable law.
What Members Can Do to Help Protect Their Identity
Protect your account numbers, card numbers PINs (personal identification numbers), and passwords. In particular, never keep your PIN with your debit card or credit card, as that makes you vulnerable in the event you lose your card or your card is stolen. Use caution in revealing account numbers, social security numbers, etc. to other persons. In particular, if a caller tells you he/she is calling on behalf of the credit union and asks for your account number, you should beware. Legitimate credit union staff would already have access to that information. It's important that the credit union has current information about how to reach you. If we detect potentially fraudulent use of your account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.
We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children's identities and online privacy is important and that responsibility rests with us and with parents.
Maine Savings Online brings together a combination of industry-approved security technologies to protect data for the credit union and for you, our member. It features password-controlled system entry, a VeriSign-issued Digital ID for the credit union's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router and a firewall to regulate the inflow and outflow of server traffic.
Secure Access and Verifying User Authenticity
To begin a session with the credit union's server the user must key in a Log-in ID and a password. Our system, Maine Savings Online, uses a "3 strikes and you're out" lock-out mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out requiring a phone call to the credit union to verify identity in order to reset the password before re-entry into the system. Upon successful login, the Digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor.
Secure Data Transfer
Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the credit union and customer is encrypted and can only be decrypted with the public and private key pair. In short, the credit union's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.
Employee Security Standards
Maine Savings Federal Credit Union maintains information standards and procedures that include physical and electronic safeguards, restricting access to employees on a need-to-know basis, and training employees on the importance of information security.
Router and Firewall
Requests must filter through a router and firewall before they are permitted to reach the server. A router and a firewall, both pieces of hardware, work in conjunction to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the credit union.
Using the above technologies, your online banking transactions are secure.
Revised April 2020