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Privacy Policy

Keeping Your Information Protected


B-M S Federal Credit Union respects your privacy. Through this web site, we strive to provide you with valuable information about how we may serve you. Whether you are an existing member or somebody interested in joining our credit union, we hope our site answers your questions regarding our products and services and locations. As a visitor to our web site, you need not be concerned about the confidentiality of your personal information. Our site is not designed to collect our visitors' personal data.

We do not gather information on individual visitors to our web site. We do collect and store information about the name of the domain from which you access the internet, such as AOL.com or MSN.com, the date and time you access our site, the version of browser your PC uses, and the internet address of the web site from which you linked to us. We collect information on visitors only in the aggregate and use it for internal review purposes only. This data enables us to define which areas of the site are of most interest to our users, which avenues of site promotion are most effective, and when peak usage times are.


Our web site does not require you to disclose any personally identifying information. However, if you choose to contact us by email, please remember that your email address, along with any other information displayed in your email header, will be revealed to us. We will use your email information solely for the specific purpose of responding to your questions or comments. Your email address will not be sold, nor will it be shared with others outside the credit union unless we are compelled to do so by law.


Cookies are small files loaded onto a user's PC which "communicate" with a web server. These cookies store a profile which lets the web server know certain demographics about the PC being used (possibly hardware components and/or software used) as well as specific preferences for the PC user. Cookies are used to estimate our audience size. Each browser accessing our site is given a unique cookie which is then used to determine whether a user is a first-time visitor or a return visitor. This helps us deliver better service by helping us understand whether the majority of those accessing the site are new or repeat visitors.

Cookies must be enabled to use our Net Access and Bill Payer internet programs.


We reserve the right to modify this policy at any time.

TouchBanking Privacy Notice

Last Updated: May 2021

TouchBanking — powered by Fiserv — helps you manage your money, view your transactions and accounts, making it easy to manage your finances on the go.

TouchBanking provides the Services to users on behalf of their financial institution (“Your Financial Institution”) as a service provider. This Privacy Notice, in combination with relevant privacy notices that Your Financial Institution provides to you (e.g., pursuant to financial privacy laws), informs you of the policies and practices regarding the collection, use and disclosure of any personal information that TouchBanking collects from or about users in connection with our mobile application (the “Services”).  The specific capabilities of the Services available to you vary depending on Your Financial Institution. You can find more information about Your Financial Institution’s privacy policies and your choices at your Financial Institution’s website or by contacting Your Financial Institution.

Depending on the services offered by Your Financial Institution TouchBanking may allow you to:


TouchBanking may collect personal information from you in the following ways:

(a) Personal Information You or Your Financial Institution Provide to us.

(b) Personal Information Collected from Third Parties. TouchBanking may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.

(c) 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:


(a) General Use. In general, TouchBanking uses your personal information to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. TouchBanking uses your personal information in the following ways:

(b) Compliance and protection. We may use your personal information to:

(d) Creation of Non-Identifiable Data. TouchBanking 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. TouchBanking may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance TouchBanking’s products and services. TouchBanking reserves the right to use and disclose non-identifiable information to third parties in its discretion.


TouchBanking discloses your personal information as described below.

(a) At the Direction of Your Financial Institution. TouchBanking may share your information with Your Financial Institution or with third parties at the direction of Your Financial Institution. Other than as described in this Privacy Notice in connection with the Services, this Privacy Notice does not apply to the processing of your information by Your Financial Institution or third parties with whom TouchBanking shares information at Your Financial Institution’s direction.

(b) Third Party Service Providers. TouchBanking may share your personal information with third party or affiliated service providers that perform services for or on behalf of TouchBanking, for the purposes described in this Privacy Notice, 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 TouchBanking.

(c) Corporate Restructuring. TouchBanking may share some or all of your personal information in connection with or during negotiation of any merger, financing, acquisition or dissolution transaction involving the sale, transfer, divestiture, or disclosure of all or a portion of TouchBanking’s business or assets. In the event of an insolvency, bankruptcy, or receivership, personal information may also be transferred as a business asset. If TouchBanking’s company, business or assets is acquired by another company, that company will possess the personal information collected by TouchBanking and the company will assume the rights and obligations regarding your personal information as described in this Privacy Notice.

(d) Authorities and Others. Regardless of any choices you make regarding your personal information, TouchBanking may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.


The Services may contain links to third party websites. When you click on a link to any other website or location, you will leave the Services and go to another site and another entity may collect personal and/or anonymous information from you. TouchBanking’s provision of a link to any other website or location is for your convenience and does not signify TouchBanking’s endorsement of such other website or location or its contents. TouchBanking has no control over, does not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Notice do not apply to these outside websites. We encourage you to read the privacy notice of every website you visit.


You have several choices regarding use of information on the Services.

(a) 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 communications. There is currently no standard that governs what, if anything, websites should do when they receive these signals. TouchBanking currently does not take action in response to these signals. If and when a standard is established, TouchBanking may revise its policy on responding to these signals.

(b) Access, Update, or Correct Your Information.  You can access, update or correct your information by changing preferences in your account. To do so, you should contact Your Financial Institution. For additional requests, please contact Your Financial Institution on whose behalf we are providing the Services to you.  

(c) 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, TouchBanking 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.

(d) 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 TouchBanking’s collection of location information, you may no longer be able to use some features of the Services.


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.


The Services are not directed towards individuals under the age of 18, and TouchBanking does not intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to TouchBanking and TouchBanking learns that the personal information is the information of a child under 18, TouchBanking will attempt to delete the information as soon as possible.


This Privacy Notice is subject to occasional revision. Your Financial Institution or TouchBanking may notify you, in their sole discretion, of any material changes in TouchBanking’s collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Notice will be effective thirty (30) calendar days following notice of the changes on the Services or immediately where no notice is given. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify TouchBanking 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 (or use of the Services after any such changes) shall indicate your acknowledgement of such changes.


If you have any questions or complaints about this Privacy Notice or TouchBanking’s data collection or processing practices, or if you want to report any security violations to TouchBanking, please contact TouchBanking by email at: dpo@fiserv.com; or by mail at:

Fiserv, Inc.
255 Fiserv Drive
Brookfield, WI 53045
PO Box 979
Brookfield, WI 53008-0979