For standard identity verification, we do not run a credit check. However, if you're applying for a loan, line of credit, or specific financial product, a credit check may be required as part of that process.

Yes. If your name, address, or identification changes, you are required to notify us and update your records. We may also request updated information as part of our routine account reviews or compliance procedures.

Your information is securely stored and only used for verification and compliance purposes. We follow strict data protection protocols and comply with the Gramm-Leach-Bliley Act (GLBA) and state privacy laws to keep your data safe.

We won’t be able to open or maintain your account without verifying your identity. Failure to provide KYC documentation may lead to account restrictions or closure, in accordance with federal compliance laws.

To open a personal account, you’ll need: A valid government-issued photo ID (e.g., driver’s license, passport) Your Social Security Number (SSN) or Tax Identification Number (TIN) Proof of your current residential address (e.g., utility bill, lease agreement) Business accounts require additional documents, including proof of business registration and EIN.

We are legally required to verify the identity of all members to comply with federal laws like the Bank Secrecy Act (BSA) and USA PATRIOT Act. KYC helps protect you and the credit union from identity theft, fraud, and financial crimes.