How We Protect Your Privacy
Protecting Children's Information
Our online financial services are not designed for or directed toward children (persons under 13 years of age). We do not knowingly collect, store, use or share personal information about children unless the information has been provided by an adult in connection with the opening of an account for or with the child. We do not knowingly market to children online. We recognize that protecting children’s identities and online privacy is important and that responsibility rests with both us and parents.
What Are Cookies?
“Cookies” are small text files saved to your device when you visit a website. Cookies store the website's name, and also a unique ID that represents you as a user. That way, if you go back to the site again, it knows you've already been there before and can customize your experience with content you’ve shown interest in. Since cookies are text files, they do not run any programs and they cannot read any information stored on your hard drive.
The Types of Cookies on OBee.com
First Party – O Bee places first-party cookies to improve your experience when you visit our site. These cookies remember selected preferences and settings. They help us understand what products and services are most important to you.
Third Party - A third-party cookie is placed on our site by an organization outside of O Bee (a third party) and collects data for the third party. As with standard cookies, third-party cookies are placed so a site can remember something about you at a later time. Third party cookies are commonly used for advertising.
Session – Session cookies retain information submitted via forms and documents. For example, if you are filling in an application form, your information will be saved as you move from screen to screen. Session cookies either expire immediately or within a few seconds of the user leaving the web browser.
Persistent - Persistent cookies allow a website to remember your information and settings for future visits. This enhances your experience of services or functions offered. They remain on your hard drive until you erase them or until they reach their expiration date.
Most browsers are set to accept cookies automatically, however, you can remove or reject cookies in the browser’s settings. Please be aware that removing or limiting cookies may hinder the functionality of obee.com and may restrict some of the site’s features and services. You can learn how to control or reject cookies by checking your browser’s Help or Settings section.
How We Protect Your Accounts & Information
O Bee protects your accounts and personal information through a layered security strategy. Our approach begins with our information security department and their maintenance of firewalls and data intrusion protection. Our Online Banking has multiple security layers, it monitors the location and time that members login and queries certain login attempts with additional questions when unusual activity occurs. O Bee’s Online Banking also protects our members by providing a security image so members know they are on the right site. The final security layer is the O Bee staff. They are well-trained to identify unusual activity, and to keep an eye out for specific red flags that may indicate further inquiry is necessary to protect our members.
How You Can Help to Prevent Fraud
Fraud, in its various forms, has become a serious threat across the country. In fact, Washington State has one of the highest rates of identity theft in the U.S. As such, we've developed this page to provide information on common scams and ways to avoid becoming a victim. As always, if you have any questions please do not hesitate to stop by or give us a call. Protect your family and learn how to protect yourself from fraud and identity theft.
Here are a few simple ways to prevent fraud from happening to you:
- Scan your credit report at least once a year. You are entitled to a FREE credit report once a year.
- Remember, O Bee Visa Debit Cards come with automatic access to an identity theft kit and $1,000 of identity theft insurance (ATM cards excluded from this offer).
- Be Aware of Scams! Keep these ground rules in mind when reading your email.
- Most firms never ask for information over email, this includes the IRS, the NCUA, and of course, O Bee.
- Report the scam to the company being targeted.
- For more information go to
- On Your Home Computer Make Sure You:
- Have all security patches offered by Microsoft or Apple.
- Use a virus scanner, we don’t endorse any products, but try Grisoft, it is free.
- Don’t open any email you’re unsure of.
- Use a spyware scanner regularly.
Lower Your Risk Of Identity Theft
Tips for Consumers:
- Only carry the identification you will need in your purse or wallet.
- Don't carry a lot of credit cards and keep your social security card in a safe place, other than your wallet.
- All mail that contains personal information should be placed in a secure mailbox.
- Shred all personal information before discarding it.
Tips for Businesses:
- Limit access to important data to only those employees with a functional "need to know".
- Use "strong passwords" - including numbers, symbols, and letters - to protect data from hackers.
- Use a shredder or get a contract with a commercial data shredding company.
Also, remember that holders of our Visa Debit cards automatically have access to an identity theft kit and $1,000 of identity theft insurance.
NCUA Protection: Your Money Is Secure
The National Credit Union Administration, commonly referred to as , is an independent agency of the United States government that regulates, charters and supervises federal credit unions. Backed by the full faith and credit of the U.S. government, the NCUA insures the accounts of millions of account holders in all federal credit unions and the vast majority of state-chartered credit unions, including O Bee Credit Union. NCUA protects members against losses should a federally insured credit union fail. No member has ever lost insured funds.
How Your Accounts Are Federally Insured
The standard NCUA share insurance amount is $250,000 per share owner, per insured credit union, for each account ownership category. The $250,000 standard share insurance account became permanent through the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.
In addition to informing our members about NCUA insurance, O Bee strives to educate members on how to structure their accounts in order to maximize the share insurance coverage available. NCUA offers several resources to help educate members. A brief description of these resources follows:
Learn more about NCUA
Learn more about the NCUA’s mission, culture, values and how they ensure that millions of Americans can safely and confidently use credit unions for their financial needs.
Share Insurance Estimator
Allows members to estimate the amount of insurance coverage based on scenarios they input.