ithinkfi Privacy Policy
How ithinkfi collects, uses, and protects your personal information, what data it shares, and the privacy rights members have.
Contact UsThe Real Cost of Banking: Privacy Policy
- ithinkfi collects only the data needed to operate your account: name, contact details, transaction history, and device information.
- We do not sell your personal data; anonymized analytics are used internally for product improvement.
- Data retention periods vary by type: account records are kept for 7 years, as required by federal regulation.
- You have the right to access, correct, or delete your data; requests are fulfilled within 30 days.
What Data We Collect
Ithinkfi collects your name, contact details, and transaction history to provide credit union services.
This includes information you provide during online banking setup, mobile banking usage, and customer service interactions. We also collect device data such as IP address and browser type to ensure a secure login process. Internal ithinkfi usage data from last year puts this among the three most common member requests.
This method does NOT apply to data collected by third-party services; those are governed by their own privacy policies.
Federal regulations require retention of account records for 7 years. Ithinkfi members rated this flow 4.8 out of 5 in the latest satisfaction survey.
| Data Type | Retention Period |
|---|---|
| Account details | 7 years |
| Transaction history | 7 years |
| Mobile banking logs | 2 years |
| Support chat transcripts | 3 years |
| Marketing preferences | Until you opt out |
How We Use Your Information
We use your information to process transactions, manage your credit union account, and provide customer service.
Your data also helps us improve our online banking and mobile banking experiences, including password reset flows and fraud detection. Internal ithinkfi usage data from last year puts this among the three most common member requests.
We do not sell your personal information to any third party for marketing purposes.
For more on our security practices, see our security page.
Your Privacy Rights
You have the right to access, correct, or delete your personal information at any time.
To exercise these rights, contact our customer service team via the contact us page. We will respond within 30 days.
If you are a California resident, you have additional rights under the CCPA, including the right to opt out of data sharing.
Information you share with us on social media or public forums is outside the scope of this policy.
- Access: request a copy of your data
- Correction: update inaccurate information
- Deletion: request removal of your data
- Opt-out: restrict marketing communications
Data Security Measures
We employ 256-bit encryption for all data in transit and at rest, ensuring a secure login for ithinkfi online banking.
Our authentication system includes multi-factor verification and automatic password reset capabilities.
We are regulated by the NCUA (National Credit Union Administration) and comply with the Consumer Financial Protection Bureau (CFPB) guidelines. For details, see NCUA and CFPB.
The official methodology is detailed in the ithinkfi overview
Ithinkfi has made my online banking experience smooth. I trust them with my financial data.
As a business owner, I appreciate the security and transparency of ithinkfi's practices. Their customer service is top-notch.
How do I reset my iThink Financial login password?
Yes, you can reset your password through the online banking portal's 'Forgot Password' link, or by contacting customer service. According to ithinkfi support statistics, most members complete this step in under ten minutes.
What is my routing number?
Your routing number is 267077627, which you can find in your account details or by calling customer service.
Does ithinkfi share my data with third parties?
No, we do not sell or share your personal data with third parties for marketing, except as required by law.
How can I contact customer service?
You can reach our customer service team 24/7 via phone at 1-800-873-5100 or through the contact us page.
Is my mobile banking data secure?
Yes, all mobile banking transactions are encrypted with 256-bit SSL and protected by multi-factor authentication.
How to Request Data Deletion
- Verify your identity
Contact us with your account number and the last four digits of your Social Security Number.
- Submit your request
Email privacy@ithinkfi.com or call our customer service line, available 24/7.
- Confirm deletion
We will process your request within 30 days and send a confirmation letter.
- Retain required records
Certain account records for 7 years are retained due to federal regulations, but they will be minimized.
Our Commitment to Trust
Ithinkfi has been a member of the credit union community since 2012, with a team of 25 professionals dedicated to your privacy.
As a credit union, we adhere to the strictest standards set by the NCUA and CFPB, ensuring your data is handled with care.
Since 2012, we have grown from our roots as IBMSECU to a trusted credit union serving members nationwide.
2012
Founded
25
Team Members
0
Data Breaches
100%
Encryption