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Disclosures + Legal

When you bank at Verve, a Credit Union, what you see is what you get. We believe in providing fair rates and full disclosures on everything we do, so below you will find everything you need to know.

Personal Accounts

Business Accounts

Privacy Policy


Additional Resources

Protecting Children

Verve, a Credit Union, recognizes that protecting children’s identities and privacy online is important and that the responsibility rests with both the online industry and the parents. The Credit Union does not collect any personal information on children through its website, but does offer online links through the website to various child-oriented sites. We encourage parents and guardians to monitor children under 13 when the children are online and to participate in any interactive activities offered on the website. Please be advised that any site-collecting information from children under the age of 13 must conform to the Children’s Online Privacy Protection Act of 1998 (COPPA). Please visit the privacy link on the student site for more information.

Security Policy

Server Security

By utilizing Digital Certificate technology, Verve, a Credit Union, ensures the accuracy and security of any data that is transmitted to us using our secure forms. Digital encryption technology utilizes a long set of codes to scramble and then decode information.

A digital key is a special number, or group of numbers, that is carefully chosen to have certain mathematical properties. Depending on the encryption algorithm being used, the key may be a large random number, or a set of related numbers. These keys are the basis for online identity verification.

Once information has been scrambled using the public set of keys for Verve, a Credit Union, the only place they can ever be decoded is on our secure server. This data is not shared with, or sold to, any other institution or group.

Browser Security

Another very important part of this technology has to do with secure browsers. Most modern browsers easily handle encryption codes, however, if you are using an older browser version, it would be wise to upgrade now. This way you will know you have the best security protection available.

To test your current browser, see the information below. There are several ways to tell if the security is working properly.

When you enter a secure website area:

  • A small window may appear notifying you that you are entering a secure area and will ask you if you want to continue.
  • Once you have entered the secured area, the website address will change. It will now read https:// instead of http://. The ‘s’ denotes Secure Mode. If you don’t see https:// at the beginning of the website address, you are not in a secure website area.
  • Also, once you have entered the secured area, a small graphic (either a key or closed padlock) should appear in the lower right hand corner of the browser window.

Email Notice

Please note that emails are not secure transmissions. Please do not include any confidential information in your email such as your account number, Social Security number or any other personal information you would like to keep private. Please use the regular mail or telephone instead.

Terms and Conditions

Please read these terms and conditions carefully. Verve, a Credit Union requires that all visitors to our Internet site (“the Site”) comply with the following rules and regulations. If you do not agree to all of these terms or conditions, do not access the Site.


Copyright in the pages, text and images appearing at the Site are owned by Verve, a Credit Union, unless otherwise indicated. You may download copyrighted material for your personal or educational use only. The information and materials may not be copied, distributed, transmitted, published, used to create derivative work or otherwise used for public or commercial purposes without the express written permission of Verve, a Credit Union.

Third Party Content

Verve, a Credit Union, provides links to other web sites. As such, Verve, a Credit Union, is acting merely as a distributor of information. Any services, offers, statements or other information found at these other website, are those of the third party and not of Verve, a Credit Union. Investment products and services are NOT credit union deposits and are NOT insured by NCUA; are NOT guaranteed by Verve, a Credit Union; and are subject to substantial risk, including the possible loss of some or all of the principal.

Limited Liability

While we will use our best efforts to provide accurate and up-to-date information on the Site, we make no warranties as to the accuracy of the information. You agree that your use of the Site is at your own risk. By your use of the Site, you acknowledge that we disclaim any liability for any damages arising in connection with your access to or use of the Site.

You agree that your use of the Site shall be governed by all applicable Federal laws and the state of Wisconsin and agree that venue shall be located at Oshkosh, Wisconsin.

Transparency in Coverage

Transparency in Coverage