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Electronic Deliver of Documents Agreement and Disclosure

Electronic Delivery of Documents Agreement and Disclosure

Electronic Deliver of Documents Agreement and Disclosure

Electronic Delivery of Documents Agreement and Disclosure

This Agreement outlines the terms and conditions governing the Electronic Delivery of Documents using Online Banking. This agreement supplements the Online Banking and Bill Payment Agreement and Disclosure. As a customer ("you" or "your") of the Bank, you agree to abide by the terms and conditions of this agreement.

Providing Consent to Electronic Delivery of Documents and Notices

When you enroll in the Electronic Delivery Service, you are consenting to participate in the Electronic Delivery of Documents. Your consent to participate in Electronic Delivery of Documents, via an affirmative response to this e-mail disclosure, indicates that you are agreeing to the following:

  • This agreement applies to all eligible accounts including Checking, NOW, Money Market Savings or Loan Accounts that you have access to using Online Banking.
  • This agreement applies to periodic account statements, as well as any account disclosures or notices that we are required, by law, to provide as are made available to you, with your consent from time to time.  This can include online tax forms which are electronic versions of the tax forms you receive in the mail. These can include Forms 1098, 1099 and 5498. 
  • You must provide a valid e-mail address to which we can send notifications of electronic  delivery availability as well as any additional account disclosures that we are required, by law, to provide. If you do not provide a valid e-mail address, you will not be able to consent to delivery of any electronic documents.
  • The Bank will provide a rolling 16 months of eStatements immediately upon your consent to receive delivery of eStatements for any account to Online Banking. You may have access to less than 16 months of eStatements if your account has not been opened with the Bank for a full 16 statement cycles. Or, if the type of account does not typically produce a monthly statement.
  • The bank will provide a rolling 16 months of transaction history, including access to check images, in Online Banking. 13 months of transaction history will begin to accumulate from the date you enroll in Online Banking. 
  • Online tax forms will be available via online banking for a period of 3 years, 2 prior years and the current year. 

In addition to eStatement, you will have the option to enroll in electronic delivery of other online documents such as rate change notices, overdraft notices, certificate maturity notices and enroll in online tax forms.  All changes to the delivery method on your accounts must be requested in online banking. 

When you choose to receive documents electronically, it is your responsibility to periodically logon to online banking and check the for the delivery of new Documents.  Some may be time sensitive.

Withdrawing Consent to Electronic Delivery of Online Documents

You may withdraw your consent to participate in the Electronic Delivery of Online Documents for any account or any listed form at any time by changing the delivery method from “online” to “paper” on the "Change Document Delivery Method" page which is available on the Customer Service menu in Online Banking.

The Bank reserves the right to treat an invalid e-mail address as a withdrawal of your consent to participate in the Electronic Delivery of Online Documents of Online Banking. For example, if a delivery notification is returned to us because the e-mail address is not available or invalid, the Bank can treat this as a withdrawal of your consent to participate in these services.  Any consent to withdraw from Electronic Delivery of Online Documents services will be effective after a reasonable period of time after we have determined consent to have been made.

Updating Account Records

It is your responsibility to provide us with an accurate, current and complete e-mail address, contact and other information related to this Electronic Delivery of Online Documents and your accounts. Your e-mail address can be updated by logging into Online Banking and selecting "Change E-mail Address" from the Customer Service menu. You may also send us a change of address for your account by sending us a Secure Bank Mail message or by telephoning the bank.

You can access Secure Bank Mail by selecting "Contact Us" from the Customer Service menu.

Requesting Paper Copies

By enrolling in the Electronic Delivery of any Online Documents, paper copies of electronic statements, forms and notices will NOT be sent to you.  You may obtain a paper copy of electronic statements, forms or notices by printing them out yourself or requesting we mail you a paper copy, as long as such a request is made within a reasonable time after we first provided the electronic forms to you.  To request a copy, contact us by telephone or via secure email in online banking. We may charge a fee for providing paper copies of communications that you have authorized us to send you electronically.  We reserve the right, but assume no obligation, to provide paper (in lieu of electronic) copies of any statement or notice you have authorized us to provide electronically.

Hardware and Software Requirements

You are responsible for the purchase, installation, maintenance, upgrades and security of the software, hardware and Internet Access needed to use Online Banking and the Electronic Delivery of Online Documents. 

You agree to use a reputable anti-virus and anti-spy ware software program on the hardware and update such anti-virus and anti-spy ware software periodically in accordance with a commercially reasonable schedule. The Bank is not responsible for any errors or issues that arise from the malfunction or failure of either the hardware or software.

In order for you to access Online Banking or view other Online Documents , you must have:  a computer with access to the Internet that meets the operating system and browser requirements outlined in the table below (Information on Supported Browsers), an e-mail account with an internet service provider, and e-mail software.

In order for you to print or download this Electronic Delivery of Online Documents Agreement and Disclosure, other forms or notices or any document delivered electronically, you must have a printer connected to your computer or sufficient hard-drive space to save the document.

In order to view statements or other requested forms or notices from Online Banking, you must have software installed on the hardware that is capable of opening a PDF. For example, Adobe Reader. 

System And Software Requirements

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Effective January 2019