Member Conduct Policy – Revised 08/17/2022
The purpose of this Policy is to protect the employees and Members of University Federal Credit Union (Credit Union) and its Credit Union Service Organization (CUSO) from abusive members.
This Policy is not enacted to restrict the rights or freedoms of any individual, group or class, but rather to address specific unacceptable conduct in order to assure the rights and protection of Credit Union and CUSO employees and the general membership.
The Board of Directors believes all Members and employees should be able to conduct business without fear of harassment or abusive conduct as a result of their membership, association or employment with the Credit Union or CUSO. The Board of Directors recognizes the Credit Union’s and the CUSO’s outstanding reputation is due in large part to the loyalty, commitment, and continued efforts of its employees and Members.
Accordingly, the Board is committed to treating the employees and Members of the Credit Union and CUSO with the respect they deserve and is committed to endeavoring to maintain a work environment free from any type of abusive conduct.
Imposition of Sanctions - UFCU Members
In the event any Member of the Credit Union or the CUSO engages in any type of abusive conduct, the President or his or her designee, on behalf of the Board and in the President's or his or her designee's sole discretion, is hereby authorized to impose sanctions against any Member who engages in any type of abusive conduct.
In that regard, any or all of the following sanctions may be imposed against a Member who has engaged in abusive conduct:
- Denial of all services other than the right to maintain a share account and the right to vote at annual and special meetings;
- Denial of services which involve personal contact with Credit Union and CUSO employees;
- Denial of access to the Credit Union and CUSO premises;
- Taking any other action deemed necessary under the circumstances that is not expressly precluded by the Federal Credit Union Act, the National Credit Union Administration Rules and Regulations, Credit Union's Bylaws, or the applicable laws of the State of Texas.
Abusive Conduct Definition
For purposes of this Policy, "abusive conduct" includes, but not by way of limitation, any of the following conduct:
- Any type of harassment, including:
- ethnic, or racial harassment,
- making racial or ethnic slurs,
- engaging in sexual conduct,
- making sexual overtures,
- making sexual flirtations, advances, or propositions,
- engaging in verbal abuse of a sexual, racial, or ethnic nature,
- making graphic or degrading comments about an individual or his or her appearance,
- displaying sexually suggestive objects or pictures,
- engaging in offensive or abusive physical contact.
- Any type of assault or battery against a Member or employee of Credit Union or CUSO, or theft, vandalism or destruction of any Credit Union or CUSO property, for example:
- a threat to injure or attempting to injure an employee or Member with the intent to cause fear or an unwanted touching;
- actual touching of, or injury to, a Credit Union employee or Member with the intent to intimidate, injure, or harass,
- destruction, theft or conversion to personal use of Credit Union or CUSO property.
- Making false, vicious, or malicious statements about any Credit Union or CUSO employee or Credit Union or CUSO services, operations, policies, practices, or management, for example:
- using profane, abusive, intimidating, or threatening language towards Credit Union or CUSO employees or fellow Members.
- Attempting to coerce or interfere with Credit Union or CUSO employees in the performance of their duties at any time, for example:
- conducting or attempting to conduct or engage in any fraudulent, dishonest, or deceptive activity of any kind involving Credit Union or CUSO employees or Credit Union or CUSO services.
- Any posting, defacing, or removing notices or signs on Credit Union or CUSO premises, for example:
- writing on Credit Union or CUSO bulletin boards without Management authorization;
- appropriation or misappropriation of Credit Union or CUSO funds, property, or other material proprietary to the Credit Union or CUSO.
- Disregarding or violating posted notices or signs on Credit Union or CUSO premises, or violating UFCU policy, including but not limited to:
- this Member Conduct Policy;
- posted firearm policy;
- posted prohibition of recording audio or video.
- Immoral conduct or indecency on Credit Union or CUSO premises, or when using Credit Union or CUSO communication channels, for example:
- deliberate or repeated violations of security procedures or safety rules;
- possession, use or being under the influence of drugs or alcoholic substances on Credit Union or CUSO premises;
- fighting or possession of weapons of any kind on Credit Union or CUSO premises; or
- illicit, illegal or immoral conduct exhibited during the course of a video conference, phone call or in person; or
- attempting to enlist the Credit Union, CUSO or their employees, to commit a criminal or immoral act.
Imposition of Sanctions – Shared Branch Guest Members
In the event any shared branch guest Member engages in any type of abusive conduct as described above, the President or his or her designee, on behalf of the Board and in the President's or his or her designee's sole discretion, is hereby authorized to impose sanctions against any shared branch guest Member who engages in any type of abusive conduct.
As part of the Credit Union Service Corporation (CUSC) National Shared Branching Network, Management will follow CUSC’s Refusal of Service to Guest Members policy when imposing guest Member sanctions.
This Policy is reviewed periodically by the Board of Directors to determine if revisions are needed. The Board of Directors receives an annual report by the President or his or her designee with regard to actions taken pursuant to this Policy.