Capturing Photos, Photo ID's, and Signatures

North Alabama Educators Credit Union is committed to protecting your financial accounts from fraud and identity theft. It is our responsibility and obligation to insure that all financial transactions being completed are being performed by the members authorized for access to a particular account. The credit union is financially liable for any fraudulent or erroneous transactions posted to a member’s account.

Our credit union staff are digitally capturing photos, photo ID’s, and signatures to help prevent errors and fraud on our membership. This information is only used for the purpose of verifying our members upon subsequent visits. Please keep in mind that identity thieves can counterfeit photo ID’s in an attempt to steal account funds if they know your account number. Having this information on file also can assist members if they have lost their own photo ID and need to perform a transaction. This exact scenario occurred at our Athens branch following the April 2011 tornadoes when a member’s identification was lost but we were able to verify the member’s photo and signature on file.

We also hear from longer term members who do not want to have to show their photo ID when performing a transaction. With nearly 12,000 members it is impossible for our staff to recognize every member of the credit union. This photo retention process can assist those longer term members since we will have the photo ID available on file to the credit union staff member.

Please keep in mind that we are simply trying to protect member accounts. The information is not being shared with anyone outside of the credit union. We are already seeing the information when we post member transactions now. We would appreciate your cooperation in our efforts to secure and protect your membership account(s).