First Choice Community Credit Union
Multi-color border


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 include:

  • Name
  • 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.

Confidentiality of the information maintained by the credit union will be maintained as required under our Privacy Policy.

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 Do 

  • 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.