The label has no “Data Used to Track You” section.
No. DCU Digital Banking's label has no “Data Used to Track You” section, so the developer states it does not link your data with other companies' data for advertising or sell it to data brokers. It does collect financial info, location, contact info, purchases, identifiers, usage data and diagnostics, of which financial info, location, contact info, purchases, identifiers and diagnostics are linked to you.
What “tracking” means on an iPhone
Apple defines tracking as linking data from this app with data from other companies' apps, websites or offline sources for targeted advertising or ad measurement, or sharing it with a data broker. It is narrower than “collecting data”: an app can collect a lot without tracking you, and a small app can track you with a single advertising SDK.
Since iOS 14.5, App Tracking Transparency requires every app to ask before it accesses your device's advertising identifier or otherwise tracks you. The App Store label is where the developer declares which of its data is used that way. DCU Digital Banking declares none, so it has no reason to show that prompt.
What DCU Digital Banking collects instead
No tracking does not mean no collection. DCU Digital Banking's label lists 7 data types, and financial info, location, contact info, purchases, identifiers and diagnostics are linked to your identity:
- Financial Info — card numbers, bank details, credit scores, salary, income, assets or debts (linked to you)
- Location — where your phone is, either precisely (street level) or approximately (city or area) (linked to you)
- Contact Info — your name, email address, phone number or postal address (linked to you)
- Purchases — what you have bought or tend to buy (linked to you)
- Identifiers — an account ID, screen name, customer number or a device-level ID such as the advertising identifier (linked to you)
- Usage Data — what you tap, open and view inside the app, plus which ads you have seen (not linked to you)
- Diagnostics — crash logs, launch times, hang rates and energy use (linked to you, not linked to you)
How to stop DCU Digital Banking from tracking you
- When DCU Digital Banking shows the tracking prompt, tap Ask App Not to Track.
- Already said yes? Open Settings › Privacy & Security › Tracking and switch off the toggle next to DCU Digital Banking.
- To refuse every app in one go, switch off Allow Apps to Request to Track on the same screen. Apps then cannot ask, and are treated as if you declined.
- For Apple's own ads in the App Store, News and Stocks, see Settings › Privacy & Security › Apple Advertising and turn off Personalised Ads.
- Inside DCU Digital Banking, look for an analytics or personalised-ads switch in its own settings; it covers data the iOS switch does not.
DCU Digital Banking's full privacy label
None declared
Do other banking apps track you?
17% of the 196 banking apps with a label in our snapshot declare tracking; 3% say they collect nothing at all. Nearby in the list:
| App | Tracks you? | Data types |
|---|---|---|
| NWFCU Mobile Banking | No | 8 |
| FNB Banking App | No | 3 |
| Dollar Bank Mobile App | No | 9 |
| Quorum Mobile Banking | No | 8 |
| OneUnited Bank | No | 7 |
| CIT Bank | No | 8 |
| Northwest Mobile Banking | No | 9 |
| Mobile Banking UniCredit | No | 8 |
Check your settings
Done. You have applied every control the label points to.
True or false?
- Right.Not quite.
False: there is no Data Used to Track You section on DCU Digital Banking's label.
- Right.Not quite.
Labels are self-reported by developers. Apple can reject or remove apps that misrepresent practices, but it does not audit each label.
- Right.Not quite.
True: Financial Info appears on its label.
- Right.Not quite.
It is collected and sent; the developer says it is de-identified rather than tied to your account or device.
FAQ
How do I stop DCU Digital Banking from tracking me?
Will DCU Digital Banking still work if I decline tracking?
What is the difference between tracking and data linked to me?
Does declining tracking stop all data collection?
Can apps track me without asking?
Is DCU Digital Banking safe? Full privacy report →How to lock DCU Digital Banking on iPhone →Who tracks you? A–Z →All finance apps →