Terms and Conditions
Texting (SMS) Policy Terms and Conditions describes how Cooperative Credit Union (“we”, “us”, or “our”) uses text messaging to communicate with members and outlines your responsibilities when you OPT in to receive SMS messages.
We use SMS messaging to communicate with members for purposes such as
Account Alerts
Fraud Alerts
Payment or Collection Alerts
General Member services
Promotional or informational messages
Text messaging is not intended for emergencies or urgent communications.
By providing your mobile phone number and opting in through our website or other enrollment methods, you consent to receiving text messages from Cooperative Credit Union.
Consent is not a condition of membership or loan approval.
Message frequency may vary.
Message and data rates may apply.
You may OPT out of SMS messages at any time:
Text STOP to unsubscribe
Text HELP for assistance or contact information.
After opting out, you will no longer receive SMS messages unless you re-enroll.
For your protection:
Do Not Send account numbers, PINs, password, online banking credentials, Social Security number, or full card via text.
Text messages may not be encrypted and may not always be secure.
If you believe your account or personal information may be compromised, contact us at 620 251-5290.
When communication via SMS, you agree not to:
Send abusive, threatening, fraudulent, or harassing messages.
Use obscene, discriminatory, or unlawful language
Attempt impersonation, phishing, or spam
Submit false or misleading information
We reserve the right to suspend or terminate SMS communications if messages are unsafe or inappropiate.
We protect member information in accordance with applicable federal and state regulations.
Your mobile number is used only for authorized credit union communications
We do not sell or share SMS opt-in information for third party marketing
SMS records may be retained for regulatory, security, audit, or service-quality purposes.
For additional details, please review our Privacy Policy.
SMS delivery is subject to carrier availability and technical conditions.
Message delivery is not guaranteed.
Delays or failures may occur due to network, device, or carrier issues.
SMS services are available to members 18 years of age or older, unless otherwise permitted by law and approved by a parent or guardian.
Regulatory Compliance (NCUA & Kansas )
Our Texting practices are designed to comply with applicable Federal and State requirements, including but not limited to:
Federal Regulations
NCUA Regulations, including:
Privacy of Consumer Financial Information (12 CFR part 716)
Security Program, Record Retention, and Incident Response (12 CFR Part 748)
Gramm-Leach-Bliley Act (GLBA) safeguarding of members information
Telephone Consumer Protection Act (TCPA) and FCC rules governing SMS Communications
Kansas State Laws
Kansas Consumer Protection Act (K.S.A. 50-623 et seq.)
Kansas Data Breach Notification Act (K.S.A. 50-7a01 et seq.)
Other applicable Kansas banking, credit union and consumer-protection laws.
Compliance with theses laws help ensure responsible communication, data protection, and consumer rights.
We may update these Texting Terms and Conditions from time to time. Changes will be posted on our website, and continued participation in SMS messaging constitutes acceptance of the revised terms and conditions.
If you have any questions about these texting terms and conditions of SMS services, please contact: