Disclosures


Website Terms of Use

Pioneer WV Federal Credit Union recognizes and respects the privacy of its members and other users of its Web site resource. We are committed to protecting information on and within our Web site resource with the same safety and confidentiality standards utilized in the transaction of all Pioneer WV Federal Credit Union interactions.

Pioneer WV Federal Credit Union is committed to making financial products and services available that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with our credit union.

As a member of our credit union, you also have a responsibility to safeguard your financial information.


General Use: As a general policy, Pioneer WV Federal Credit Union does not automatically collect personal information from users of its Web site resource. Pioneer WV Federal Credit Union does collect and store information on the domain a user uses to access its Web site resource, the Internet address of the Web site from which a user links to the credit union's Web site resource and the date and time of the visitor's visit to the credit union's Web site resource. This information is used to measure the number of visitors to its Web site resource and the route a user travels while within the credit union's Web site resource to better serve users and improve design and site navigation.


Member-Only Areas: Personal identification (i.e.: account number, password) is collected when a valid credit union member with an active credit union account(s) has registered to enter the secure online banking area of the credit union's Web site resource. This information enables the credit union to regulate access of this information to those who request such access and those entitled to perform transactions on these account(s).

Pioneer WV Federal Credit Union does not sell or provide any member information to any list service, third parties or non-credit union agencies for any reason -- ever.


Online Forms: Pioneer WV Federal Credit Union provides several online form resources (i.e.: loan application, check order) to better serve the needs of its members. Personal information provided by a user via any of the credit union's online forms is used by Pioneer WV Federal Credit Union only to process the member's request for service. If the user is concerned about the security of transmitting this information via the Internet, the user is encouraged to contact the credit union directly at 304-348-6648 or 1-800-339-4378 or transmit the information via another resource.


E-Mail Communication: Personal information transmitted to Pioneer WV Federal Credit Union may be used by credit union staff to respond to inquiries for service or information or improve the service the credit union provides. Since e-mail communication may not be secure against interception by unauthorized individuals, users may want to seek alternatives to e-mail when it is necessary to provide sensitive or personal information. Likewise, the credit union will not transmit sensitive or personal information that can compromise or violate a user's privacy when communicating via e-mail.


Web Site Links: As a courtesy to our members, we may provide links to other related web sites that we feel may be of interest or use to you. We assume no responsibility for the availability or content of these sites. The addition of any of these links is not to be construed as an endorsement of any services offered by these sites.


Online Banking, Bill Pay, and e-Statements

Pioneer WV Federal Credit Union will NEVER call, email or otherwise contact you and ask for your user name, password or other online banking credentials. For your safety, accessing our online conveniences requires more than the traditional account number and passcode. Multi-Factor Authentication (MFA) provides an extra level of security for your account information. With MFA, when you log into our online banking website, you will be prompted for your username and password (the first factor), a unique phrase and identification of a picture that you've chosen (the second factor) and in some cases, the answer to one of several security questions that you've chosen (the third factor). Taken together, these multiple factors provide increased security for your Pioneer WV Federal Credit Union account(s).

Credit Cards

Pioneer WV Federal Credit Union will NEVER contact you and ask for your credit card number or PIN.

Please see below for more information about how our Fraud and Card Service Departments approach member service calls.

If you receive a call from our Fraud department:

They will identify themselves as the Security department calling on behalf of Pioneer WV Federal Credit Union and that they are calling to verify recent activity on your Pioneer WV Federal Credit Union card.


If you are available to answer the phone a live representative will confirm that they are speaking with the individual listed on the credit card and the representative will proceed to verify activity on the account.

If you are uncomfortable with the call, please hang up and call back on the 800 number on the back of your card.

If the Fraud department leaves a message, they will:

  • Identify themselves as the Security department calling on behalf of Pioneer WV Federal Credit Union.
  • Tell you the card type they are calling to verify transactions on.
  • Provide you with a case ID to reference on your return call to an 888 number.

When you call the 888 number, you will be asked to provide the Case ID that was left with the message and the month and year of your birth. If you are unable to provide the Case ID, you will be asked:

  • The last four digits of your Social Security Number;
  • Your address;
  • The 3 digit security code on the back of your card;
  • Your date of birth; or
  • Any other personal information that may be on your credit or debit card account.

Debit Cards

Pioneer WV Federal Credit Union will NEVER contact you and ask for your debit card number, PIN or 3-digit security code. Please see below for more information about how our Fraud and Card Service Departments approach member service calls.

If you receive a call from our Fraud department:

They will identify themselves as the Fraud Detection Department calling to verify activity on your debit/credit card.

If fraud is detected during calling hours of 9am-9pm:

If you are available to answer the phone then a Fraud Detection Specialist will proceed with the transaction verification process. If the transactions are valid the specialist will update the account. If there is any question about the transactions being verified then the specialist will continue with the verification process. If you are uncomfortable with the call, please hang up and call back on the 800 number on the back of your card.

If the fraud is detected during Non-Calling Hours your contact number will be added to an automated dialer list:

If you are available to answer the phone, you will be connected with a live representative to verify the transactions on your debit/credit card.


If you're unavailable when the call is made, the automated system will leave a message asking you to call an 800 number to speak with the Fraud Detection Department regarding your debit/credit card.


If the Fraud department leaves a message, they will:

  • Identify themselves as the Fraud Detection department.
  • The specialist will leave a 6 digit reference number.
  • Ask you to call an 800 number to verify activity on your debit/credit card.

When you call the 800 number you will be speaking to a live representative:

  • The representative will request for your reference or card number.
  • The representative will request for the last four digits of your social security number or any other personal information that may be on your credit or debit card account for verification.
  • The representative will verify the activity in question on your debit/credit card and respond appropriately

If you choose to speak with a representative they will ask for a combination of three of the items below:

  • Your mother's maiden name;
  • The last four digits of your Social Security Number;
  • Your address;
  • Your date of birth; or
  • Any other personal information that may be on your debit card account.

Rights and Responsibilities

With respect to online banking and electronic fund transfers, the Federal government has put in place rights and responsibilities for both you and the credit union. These rights and responsibilities are described in the account disclosures you received when you opened your account with Pioneer WV Federal Credit Union. You can also find them online at our website www.pioneerwv.org and click on the Forms link at the bottom of the page. Ultimately, if you notice suspicious account activity or experience security-related events, please contact the credit union immediately at 1(800) 339-4378 or (304) 348-6648.

Savings Bonds

Savings Bonds - No more over-the-counter savings bonds sales after 12/31/2011

As of December 31, 2011 you will no longer be able to buy paper savings bonds at Pioneer WV Federal Credit Union or by mail order. Please refer to www.treasurydirect.gov where you can purchase, manage, and redeem your electronic savings bonds online. Electronic savings bonds are secure and convenient to manage in a TreasuryDirect account, and you will no longer have to worry about storing, misplacing, or losing paper savings bonds. In addition, with a TreasuryDirect account, you can purchase electronic savings bonds as gifts and convert paper savings bonds to electronic ones.


Share Insurance

Your savings at Pioneer WV Credit Union are federally insured to at least $250,000 by the U.S. Government through the National Credit Union Share Insurance Fund (NCUSIF), a subsidiary of the National Credit Union Administration (NCUA).


Equal Opportunity Lender/Equal Housing Lender

Pioneer WV Credit Union is an equal opportunity lender.