Announcing Card Control 
Control Your Card On Your Terms
Introducing Card Control, a new service available in online and mobile app banking, that gives members control over how and when their BFCU VISA Debit card is used.
Enjoy a new level of self-service functionality that will empower members to:
• Temporarily turn debit cards on or off
• Set alerts for notification of debit card usage
• Get spending insights
• Restrict types of purchases
Card Control is easy to use and the changes you make are effective immediately, giving you greater control over how and when the debit card is used, and offers another layer of protection against fraudulent transactions and misuse of your debit card.
To use the new service, make sure you are utilizing the latest version of the BFCU mobile app or online banking. Use the QR codes below to download the BFCU Mobile App or check to see if you need to update your current app.
Mobile Privacy Policy
Last Revised: June 2024
Baylands Family CU (the “App”)– powered by Commercial Business Systems – helps you control your credit and/or debit cards through your mobile device, making it easy to manage your finances on the go.
The App allows you to:
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get real-time balances for your accounts
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manage your money
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view your transactions and statements
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make transfers
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pay your bills and manage billers
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deposit a check
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receive alerts
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manage cards
This Privacy Policy, in combination with other relevant privacy notices that we provide to you (e.g., pursuant to financial privacy laws), inform you of the policies and practices regarding the collection, use and disclosure of any personal information that we and our service providers collect from or about users in connection with the App’s website and mobile application (the “Services”).
THE TYPES OF INFORMATION WE COLLECT IN THE APP
Through your use of the Services, we may collect personal information from you in the following ways:
Personal Information You Provide to Us.
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We may collect personal information from you, such as your first and last name, address, e-mail, telephone number, and social security number when you create an account.
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We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.
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If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.
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We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.
Personal Information Collected from Third Parties. We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.
Personal Information Collected Via Technology. We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications and other online services, such as:
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Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., WiFi, LTE, 3G), and general location information such as city, state or geographic area.
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Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.
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Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
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Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.
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Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.
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Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.
HOW WE USE YOUR INFORMATION COLLECTED IN THE APP
General Use. In general, we use your personal information collected through your use of the Services to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. We use your personal information, in connection with the App, in the following ways:
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facilitate the creation of, and secure and maintain your account;
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identify you as a legitimate user in our system;
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provide improved administration of the Services;
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provide the Services you request;
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improve the quality of experience when you interact with the Services;
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send you administrative e-mail notifications, such as security or support and maintenance advisories; and
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send surveys, offers, and other promotional materials related to the Services.
Compliance and protection. We may use your personal information to:
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comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities;
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protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);
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audit our internal processes for compliance with legal and contractual requirements and internal policies;
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enforce the terms and conditions that govern the Service; and
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prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft.
Creation of Non-Identifiable Data. The App may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties in our discretion.
DISCLOSURE OF YOUR PERSONAL INFORMATION
We disclose your personal information collected through your use of the Services as described below.
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In Accordance with Our Other Privacy Notices. Other than as described in this Privacy Policy in connection with the App, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information.
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Third Party Service Providers. We may share your personal information with third party or affiliated service providers that perform services for or on behalf of us in providing the App, for the purposes described in this Privacy Policy, including: to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the Services; to provide technical support; and/or to provide other services to the App.
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Authorities and Others. Regardless of any choices you make regarding your personal information, The App may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.
LINKS TO OTHER SITES
The App may contain links to third party websites. When you click on a link to any other website or location, you will leave the App and go to another site and another entity may collect personal and/or anonymous information from you. The App’s provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit.
YOUR CHOICES REGARDING YOUR INFORMATION
You have several choices regarding use of information on the Services.
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How We Respond to Do Not Track Signals. Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not take action in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.
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Access, Update, or Correct Your Information. You can access, update or correct your information by changing preferences in your account. For additional requests, please contact us.
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Opting Out of Email or SMS Communications. If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the "unsubscribe" link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under "Contact Us" below. If you provide your phone number through the Services, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.
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Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App.
SAFEGUARDS AND RETENTION
We implement reasonable administrative, technical and physical measures in an effort to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information.
A NOTE ABOUT CHILDREN
The Services are not directed towards individuals under the age of 18, and we do not, through the App, intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us through the App and we learn that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible.
PRIVACY POLICY UPDATES
This Privacy Policy is subject to occasional revision. We will notify you of any material changes in its collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Policy will be effective thirty (30) calendar days following notice of the changes on the Services. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify us prior to the effective date of such changes that you wish to deactivate your account. Continued use of the Services following notice of any such changes shall indicate your acknowledgement of such changes.
CONTACT US
If you have any questions or complaints about this Privacy Policy or The App’s data collection or processing practices, or if you want to report any security violations to The App, please contact The App by email at: memberservice@baylandsfcu.org; or by mail at: P O Box 392, West Point VA 23181
Staff Spotlight 
Meet Allison
Meet Allison, our new Human Resources Supervisor. Allison recently joined the Baylands team in July. When she’s not at work Allison can be found enjoying building Lego sets and playing board games.
Fun fact: Allison can listen to a song and memorize the lyrics with just one listen. When asked about her work at Baylands, Allison said “I love being a resource for the employees. Being able to provide support to the people who have the complex job of supporting members and managing the day-to-day operations of the Credit Union, whether answering a question about their benefits, helping maintain their payroll, or just being a person in their corner should they need it, means they can hopefully feel a little more comfortable in their daily lives at work.”
Tip of the Day
Update Information
As life changes, make sure to update your personal information to ensure you receive important correspondence via mail or email from BFCU.
Upcoming Events 
OCTOBER 2024
Member Appreciation Month
Gift of Membership $25 For You, $25 For Me.
Fri-YAY Fridays
International Credit Union Day - Oct 17
NOVEMBER 2024
BFCU Miracle Makers Fundraiser
DECEMBER 2024
Holiday Decorating Contest
Dreams Unlocked, Equity Unleashed 
Home Equity Liine of Credit - Limited Time Special Offer
INTRODUCTORY RATE AS LOW AS 6.99% APR
VARIABLE RATE AS LOW AS 8.50% APR
*APR = Annual Percentage Rate. Promotional Offer starts September 1, 2024 and ends October 31, 2024. Introductory interest rate of 6.99% APR for the first 12 months is effective September 1, 2024 and reflects the current minimum rate offered. The rate may be adjusted based on individual credit standing, debt ratio, and amount of equity in property. Not all borrowers will qualify for the lowest rate. After the first 12 months, the rate will be as low as Prime Rate plus a margin depending on the member’s credit standing, debt ratio and amount of equity in the property at the time the Home Equity Line of Credit (HELOC) was originated. Current rates (as of 8/1/24) range from 8.50% to 18.00% APR. The minimum rate after the first 12-month promotional period is based on the Prime Rate as published in the Wall Street Journal on the first day of the month preceding the rate change date (December 1, March 1, June 1, and September 1).The interest rate on HELOCs is reviewed quarterly and is subject to change the first day of January, April, July and October. The maximum interest rate allowed under the plan is 18.00% APR. Property insurance is required. A $25,000.00 initial draw is required. Membership eligibility required. A Prime Share Account (membership) with a minimum deposit is required upon loan approval. Additional fees, terms and conditions may apply to this offer. Offer is subject to change or end without notice. For further details, please contact a Mortgage Specialist. This credit union is insured by the National Credit Union Administration
Reminder: Tick Tock
Christmas Club Transfer Time
Just a friendly reminder that your Christmas Club account funds will be transferred to your checking or primary savings account on October 31, 2024.
Don’t have a Christmas Club account? Apply online at baylandsfcu.org or talk to a Member Service Representative today to open a new account and get a jumpstart on saving for next year!
Berry Merry Holiday Special
Get a Beary Merry Holiday Loan and make this festive season the happiest one you've ever known! Apply today!
Key features:
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Borrow up to $3,000
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Get a 3.00%* discount on qualifying personal loan rate
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Take up to 30 months to repay
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Available from October 1, 2024 to December 31, 2024
*APR = Annual Percentage Rate. Credit restrictions apply. See credit union for details. Rates are based on creditworthiness so your rate may differ. All loans are subject to approval. The promotion begins on October 1, 2024 and ends on December 30, 2024. Payment example: $2500 personal loan for 25 months at 6.50% APR will result in a monthly payment of $111.37. A Prime Share account (membership) with a minimum deposit is required upon loan approval. Interest will begin to accrue on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan was funded through to the first payment date and then applied to the principal due. This credit union is federally insured by the National Credit Union Administration.