Skip to content

Disclosures & Policies


Important Disclosures


USA Patriot Act - Section 326

Customer Identification Program

Important information about procedure for opening a new account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We will also ask to see your driver's license and other identifying documents.



Some merchants may permit you to initiate debit and bill payment transactions with your card using either the VISA network or another network shown on your card, such as the STAR network.  Elevate Federal Credit Union will honor your debit transactions processed by any of these networks.

Transactions processed over the VISA network do not require you to use your PIN to validate the transaction.  Generally, you will sign a receipt, provide your card number (e.g., internet, mail, or telephone transactions), or swipe your card at a terminal. Also, there are certain protections and rights, such as zero liability protection as described in the “Member Liability” section of your Debit Card Agreement, applicable only to VISA processed transactions.



Transactions processed over other networks may not require you to use your PIN to validate a transaction.  Generally, you enter your card number or swipe your card and provide or enter a PIN. However, some merchants may not require you to provide a PIN and may allow you to choose whether the transaction is processed by VISA or another network. Provisions applicable only to VISA transactions (such as VISA’s zero liability protections) will not apply to non-VISA debit transactions. The liability rules for other EFTs in the section titled “Member Liability” will apply.

Please contact Elevate Federal Credit Union if you have any questions regarding this notice. (435) 723.3437

Important Information


Online Privacy Statement This statement provides information about privacy related to the usage of our website. For information about privacy practices connected with accounts and services we provide (including online banking), refer to our Privacy Notice found on this page. Our general website does not gather personal data from visitors. However, we may use web analytics services to help us analyze site usage and improve the user experience. These services do not collect personal information about a user. Rather, they employ “cookies,” which are files placed on your computer to generate information about your use of the website. The cookie provides information about your use of the website (including your IP address), which is transmitted to us or to our analytics provider. You may set your browser to refuse cookies, but if you do so, not all features of this site may be fully functional for you.
Our Mobile App & Your Location Data Our mobile banking app periodically collects, transmits, and uses geolocation information to support features that prevent fraudulent card use and alerts, but only if you expressly authorize the collection of such information. You may choose whether geolocation information can be monitored on a continuous basis in the background, only while the app is being used, or not at all. You can change your location permissions at any time in your device settings.
Ask A Question