Security and Privacy Statement

AAA Banking’s Pledge to You

Your privacy and security is important to us. That is why we have taken steps to maintain appropriate confidentiality with regard to all information obtained from you during your visit to this website.

Consumer Retail and Trust Accounts

To view your bank or trust account privacy policy which describes information we can collect and how we use your information (this does not include your AAA credit card account), please click here.

Consumer Credit Card Accounts

To view your credit card account privacy policy, please click here.

Children’s Online Privacy Protection Act

We recognize that protecting children’s identities and privacy is important. We do not knowingly market to or solicit information from children under 13 without parental consent.


To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions to obtain, verify, and record information that identifies each person (businesses and individuals) who opens any financial transaction account(s) including deposits, loans and safe deposit boxes.

What this means for you: When you open any Auto Club Trust, FSB account, we will ask for your name, address (mailing and physical, if different), date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license or other identifying documents.

In all cases, protection of our customer's identity and confidentiality is our pledge to you.

Website Privacy Policy

We understand how important privacy is to you. Our website Privacy Policy discloses the privacy practices for the AAA Banking website (

Disclosure of Account Information to Third Parties

Information to third parties about your account(s) or the transaction(s) you make will only be disclosed if at least one of the following applies:

  • It is necessary to complete a transaction.
  • To verify the existence and condition of your account to a third party such as a credit bureau or merchant.
  • To comply with a governmental agency or court order.
  • If permission is given to us by you, which we may require to be in writing.
  • As explained in the separate Privacy Disclosure.
  • It involves a claim by or against us concerning a deposit to or withdrawal from your account.
  • Where otherwise required or permitted under state or federal laws and/or regulations.

This website Privacy Policy informs you of:

  1. Personally Identifiable Information or Third-Party Personally Identifiable Information Collected About You
  2. Use of Cookies
  3. How Information is Protected
  4. With Whom Information May be Shared
  5. Whether Information is Collected From Minors
  6. Choices Available to You Regarding Collection, Use and Distribution of Information
  7. Links to Other Websites
  8. How You Will be Notified of Changes to the Privacy Policy
  9. How You Can Correct Any Information Inaccuracies
  10. How to Contact AAA Banking About the Privacy Policy or the Practices of This Website

If you are not comfortable with any of the terms or policies described in this Privacy Policy, please discontinue use of this site. Please be aware that we may periodically update or revise this Policy. Please check our Privacy Policy frequently for any changes.

Personally Identifiable Information or Third-Party Personally Identifiable Information Collected About You and How it is Used

Visitors to the AAA Banking website are free to explore the site without providing any personal information. In order to evaluate what AAA’s Banking website visitors want and how to improve usage of the site, AAA logs a website visitor’s IP address (this is often a temporary IP address assigned by an Internet Service Provider (ISP) each time you log into the ISP), the type of operating system you are using and the type of browser software used. AAA Banking may also keep track of the portions of the AAA Banking website you visit. This activity is done without AAA’s knowledge of your name, email address or other personally identifiable information.

Use of Cookies

“Cookies” are short bits of information that a web server can store temporarily within your web browser. Our website uses cookies to carry forward information you entered on one page to the next. The data in the cookies we send can only be used by our website. Our cookies do not read data from your computer’s hard drive or other website cookies.

There are two types of cookies. The first, known as persistent cookies, are saved to a computer’s hard drive until they expire on the date specified by the web server. The second, more commonly known as session cookies, exist only in memory and are destroyed once you close your web browser. We use both persistent and session cookies.

If you are concerned about the use of cookies, you can reject them. To do this, set your browser to not accept cookies. You may still use our website even though you reject cookies. However, rejecting cookies may prevent you from using certain functions or sections of our website.

How Information is Protected

We use a secure server implementing the Secure Sockets Layer (SSL) protocol to safeguard the information you submit to us. You will know you are on a secured page if you see the lock icon on the bottom of your Web browser window, or if the URL has changed from ( or any related bank URLs offered by Auto Club Trust, FSB. You can determine if the URL you are visiting is part of Auto Club Trust, FSB by reviewing the URL domain name. All Auto Club Trust, FSB banking website domain names include

E-mail messages are not secure unless you are using a secure e-mail program. E-mail messages are subject to viewing, alteration, and copying by potentially anyone. For your safety, we encourage you to use our secure email system to contact us via email or contact us directly (via postal service or telephone) regarding any confidential or sensitive matters. View the Contact Us page of our website for links to our secure email system, postal information and phone numbers.

AAA Banking may use your email address to contact you to confirm rate information, account information or other product and service needs.

With Whom Information May be Shared

Any information we collect over our website (including email addresses) will not be shared, sold or rented to any third-party vendor. We do not request or store information solely for marketing purposes. All bank employees are expected to comply with the Company Code of Conduct, which includes the confidential treatment and security of private information.

There may be circumstances when we may, without your authorization, and sometimes as required by law, share information about you with third parties who perform services for us such as our affiliates and subsidiaries; credit bureaus; regulatory authorities; law enforcement agencies; or other governmental authorities.

Does AAA Collect Information From Minors?

The AAA Banking website is for banking and other financial products and services. We make no active effort to collect personal information from children under the age of 18. Children who wish to submit information should have permission from a parent or legal guardian.

Choices Available to You Regarding Collection, Use and Distribution of Information

Any information you submit to AAA via this banking website is done on a voluntary basis. When you access this site, the collection, use and distribution of your information will be handled according to the terms and policies outlined in the Privacy Policy. If you object to any of these policies, we ask that you do not submit information or access our site.

Our website may contain links to other websites. Please be aware that we are not responsible for the privacy practices or the content of these websites. When you leave our website, we encourage you to read the privacy policy of every website that collects personally identifiable information. The privacy policy for AAA applies solely to information collected by our banking website.

Please be aware that our organization and banking structure encompasses many states, as such the internet banking websites we use may redirect you to additional URL domain names.

We may also contract with vendors to provide additional features or services via the internet. These third-party websites are not under the control of AAA and we are not responsible for their content. These websites have separate privacy and data collection practices, independent of AAA. We have no responsibility or liability for these independent practices, policies or actions. You are solely responsible for any personal information you provide while visiting these websites.

How You Will be Notified of Changes to the Privacy Policy

If AAA decides to change this Privacy Policy, we will post those changes on the AAA Banking website so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify such users. Users will have a choice as to whether or not we use their information in this different manner. We will use information in accordance with the Privacy Policy under which the information was collected.

How You Can Correct Any Information Inaccuracies

This site does not offer a way to correct, update or delete your information. If you need to revise your information, please contact the Customer Care Center for AAA Banking at 855-999-BANK (2265).

How to Contact AAA Banking about the Privacy Policy or the Practices of This Website

If you have questions about this privacy policy, the practices of this site, or your dealings with this website, you can call us at 855-999-BANK (2265) or write us at Auto Club Trust FSB, 1 Auto Club Drive, Dearborn, MI 48126.

Security Statement

We have developed this information as a service to you. We care about you and the safety of your personal information. Follow the guidance below to keep yourself and your identity safe.

YOUR SECURITY IS IMPORTANT TO US. Please be aware that our organization and banking structure encompasses many states, as such the internet banking websites we use may redirect you to additional URL domain names.


User ID and Password - Our system is designed to limit online account access to those possessing the User ID and Password associated with your account(s).

Encryption - We have encryption technology in place (currently 128 bit SSL) that allows for the protection of data in transit between your computer and ours. The closed lock icon will usually indicate whether a communication session is encrypted.

Firewalls - Our computer systems include “firewalls” that we monitor and that are designed to protect against unauthorized access to our systems.

Timeout - Our system is designed to log you off automatically after several minutes of inactivity.

Account Number - Generally, we only display the last four digits of your account numbers online (to prevent people looking over your shoulder from seeing the full number).

Cookies - We use a cookie (a small file transferred to your computer’s hard drive) to maintain authentication between our application server and your browser. When registered users terminate their connection to our site, this cookie is deleted. If your browser does not accept cookies, we are unable to maintain authentication between your browser and our application. We also use a persistent cookie to personalize the display of information for you. If your computer does not accept cookies, you may be unable to access information from us online.

Things You Should Do To Protect Yourself Online:

User ID and Password - Please follow some simple rules to protect yourself:

  • Never disclose your User ID or Password to anyone else
  • Memorize your User ID and Password, don’t write them down
  • Change your password frequently
  • Don’t use birth dates, names, or other easily guessed letters or numbers
  • Don’t be taken in

We will never send you an email asking for your user ID or password.

Log Out - When you are finished accessing your account online, log out (look for the log out link). We suggest you do this before you shut your computer off and before you surf to any other websites.

Email - Don’t use email to send us sensitive information (such as Social Security numbers, account numbers, etc.).

Phishing, Spoofs, Hoaxes and other Deceptive Emails - Be careful when responding to emails that look like they are from us, a regulator or an auditor. Many thieves or hackers will send you an email that will ask you to click on a link that takes you to a website (or pop-up window) where you will be asked to “confirm,” “verify,” “update” or otherwise provide sensitive information (such as your account number, password, PIN, or Social Security number). Sometimes these emails will falsely say that your account will be shut down if you don’t act quickly. Don’t be intimidated by these threats. These links, websites and pop-up windows may look like ours, but will really just take you to the thief. Clicking on one of these links can expose your computer to viruses and spyware, even if you don’t supply the sensitive information they want.

We will never send you an email that asks you to verify an account number, password, PIN or Social Security number.

If you receive such a request, it is probably fraudulent. If you have any doubts about whether an email from us is authentic, don’t reply to it, open any attachment or use the link in the email. To contact the bank, please find the applicable telephone number on the Contact Us page.

Your security is important to us.

Please be aware that our organization and banking structure encompasses many states, as such the internet banking websites we use may redirect you to additional URL domain names.

Spam - Don’t open attachments in emails if you don’t know who the sender is. Attachments can contain viruses and spyware. Delete unwanted email.

Links to other Websites - If you click a link to another website, that website may collect, use and disclose information about you in ways that are different from what we do. You should review that website’s policies. We are not responsible for what the operators of other websites do with your information.

Security for your own Computer - Protect your own computer by:

  • Keeping your operating system and browser up to date
  • Installing a personal firewall
  • Installing anti-virus software and keeping it up to date
  • Scanning your computer for spyware on a regular basis
  • Not downloading programs or files from unknown sources
  • Installing a pop-up blocker from a trustworthy source
  • Disconnecting from the internet when you are not online

Additional Things You Should Do To Protect Yourself And Your Identity:

Your Account Number - Don’t share your account number with anyone. Don’t give your account number to someone over the phone, especially if you did not call them. Beware that some people may try to trick you by saying that they need your account number in order to award you a prize. Store new and canceled checks, account statements and other sensitive information in a safe place.

Don’t Share Your Cards - Don’t share your ATM, debit or credit cards with anyone.

Review Your Accounts - Review your online account information frequently and your statements promptly. Balance your checkbook every month. If you don’t receive a statement, let us know right away.

Review Your Credit Reports - Obtain and review a copy of your credit report periodically. This is one way to find out about identity theft.

Your Mailbox - Check your mailbox every day, don’t leave your mail for long periods of time for thieves to steal. Consider dropping your outgoing mail in a U.S. Postal Service mailbox instead of your home mailbox. Use Online BillPay and sign up for e-Statements.

Your Telephone - Don’t give sensitive information to unknown callers. Hang up and call the company yourself, using a phone number that you located in the phone book or your own records.

We will never make an unsolicited telephone call requesting sensitive information from you.

Your Garbage - Shred materials containing sensitive information before you recycle or discard them.

Identity Documents - Don’t carry your Social Security card, birth certificate or passport in your wallet or purse.

Social Security Number - Don’t print your Social Security number or driver’s license on your checks.

If You Are A Victim Of Identity Theft, Follow These Three Steps:

  1. Contact the fraud departments of each of the three major credit bureaus (Equifax, Experian, and TransUnion) and report that your identity has been stolen. Ask that a “fraud alert” be placed on your file and that no new credit be granted without your approval.
  2. For any accounts that have been fraudulently accessed or opened, contact the security departments of the appropriate creditors or financial institutions to close these accounts. To contact the AAA Banking Team, please find the applicable telephone number on the Contact Us page.
  3. File a report with your local police or the police where the identity theft took place. Get a copy of the report in case the bank or credit card company needs proof of the crime at a later date.