Mobile Banking Privacy Notice

Effective: June 2026

Purpose

Rushmore Electric Federal Credit Union (REFCU) is committed to protecting the privacy and security of members' information. This notice explains how information is collected, used, protected, and shared when you use REFCU's Mobile Banking Application (App).

Information We Collect

We may collect personal information, device information, authentication information, mobile deposit information, and other information necessary to provide mobile banking services.

Personal Information

  • Name

  • Address

  • Email address

  • Telephone number

  • Member number

  • Account information

  • Transaction history

Device Information

  • Mobile device type

  • Operating system version

  • Device identifiers

  • IP address

  • Mobile carrier information

  • App usage and diagnostic information

Authentication Information

  • User ID

  • Password

  • Multifactor authentication data

  • Biometric login preferences

Mobile Deposit Services

When you use Mobile Deposit, the App accesses your device camera to capture images of checks for deposit processing. Check images may be retained in accordance with applicable laws and record retention requirements.Biometric Authentication Biometric authentication is managed by your device manufacturer and operating system. REFCU does not collect or store fingerprint or facial recognition data.

Biometric Authentication

Biometric authentication is managed by your device manufacturer and operating system. REFCU does not collect or store fingerprint or facial recognition data.

Push Notifications

You may receive account activity, fraud, security, transaction, and service notifications. These may be disabled through your device settings.

How We Use Information

Information is used to provide services, process transactions, verify identity, prevent fraud, improve the App, and comply with legal requirements.

Information Sharing

REFCU does not sell personal information. Information may be shared only as permitted by law with service providers, payment networks, regulators, and law enforcement when required.

Data Security

REFCU maintains administrative, technical, and physical safeguards including encryption, multifactor authentication, monitoring, fraud detection, and access controls.

Data Retention

Information is retained only as long as necessary to provide services, maintain records, comply with legal requirements, resolve disputes, and enforce agreements.

Third-Party Services

Third-party websites or services have their own privacy practices. Review their privacy notices before use.

Children's Privacy

The App is not intended for children under the age of 18. We do not knowingly collect personal information from users under the age of 18 without appropriate consent.

Changes to This Notice

This notice may be updated periodically. Current versions will be posted on our website.

Contact Information

Rushmore Electric Federal Credit Union
PO Box 2414
Rapid City, SD 57709
Phone: 1-800-342-9451
Email: info@refcu.coop
Website: www.refcu.coop