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This Insight Credit Union Online Statement E-Sign Disclosure and Agreement (“Agreement”) is made between you and Insight Credit Union (“Credit Union”) for the purpose of receiving an electronic version of your account documents online. This Agreement applies to each account you have with Insight Credit Union where electronic documents are available (“Account”). As used in this Agreement, the words “we”, “our”, and “us” mean Insight Credit Union, and the words “you” and your” mean the account holder who has elected to receive his or her electronic statement and electronic notification.
A. Electronic Delivery of Account Statements
You have elected to have statements provided to you electronically through our Credit Union’s online banking system. You understand and agree that by enrolling for electronic statement service that we may discontinue sending paper statements to you (See Section E below for availability of paper statements). You consent to receive electronic statements includes, but is not limited to:
• Periodic or monthly statements for your Account
• All legal and regulatory disclosures and communications associated with your Account
• Notices or disclosures about a change in the terms of your Account
• Privacy policies and notices
You may withdraw your consent to receive electronic statements for any of your Accounts by contacting us at 888.843.8328. We may treat your submission of an invalid e-mail address, the subsequent invalidation of your e-mail address, or cancellation of participation in our online banking services as a withdrawal of your consent to receive electronic statements. We may impose a fee of $5.00 to process the withdrawal of your consent. Any withdrawal of your consent to receive electronic statements will be effective after a reasonable period of time in order for the Credit Union to process your withdrawal.
B. Registration for Electronic Statement Service
In order for you to obtain electronic statement service, you must be enrolled in the Credit Union’s Insight Online service. Any account owner can enroll accounts with joint ownership for the electronic statement service. You must provide a current and valid e-mail address in order to receive electronic notifications. You agree to provide the Credit Union with any updated information needed in order for the Credit Union to provide you with electronic notifications. This includes, but is not limited to, providing the Credit Union with any changes to your e-mail address by logging in to your online banking account and updating your e-mail address or calling us at 888.843.8328.
C. Accessing your Electronic Statement Service
Your electronic statement and accompanying legal notices and disclosures will be available to you via the Credit Union’s online banking service. Once you login to the Credit Unions’s online banking system, you will have access to the Message Center within our online banking system. At the end of each statement cycle, a message will appear in the Message Center alerting you that the most recent electronic statement is available for viewing. You agree to periodically check the Message Center within the Credit Union’s online banking service for messages related to the availability of your electronic statement. The messages will be available in the Message Center for up to 180 days. You may also receive an electronic notification delivered to the personal e-mail you specify, informing you that electronic statement is available for viewing within the Credit Union’s online banking system.
D. System Requirements to Use Electronic Statement Service
In order to access, view, and retain electronic statements that we make available to you, you must have:
• An internet web browser which is capable of supporting at least 128-bit encryption
• Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit
• Software which permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 8.0 and above.
• An e-mail account with an Internet Service Provider and e-mail software
• A personal computer, operating system and telecommunication connections to the Internet capable of receiving, accessing, displaying and either printing or storing, statements received in electronic form from us by accessing our online banking system using an internet browser specified above.
E. Requesting Paper Statements
We will not send you a paper copy of any statement from us on Accounts where you have elected to receive electronic statements, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic statement by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made no later than 5 years after we first provided the electronic statement to you. To request a paper copy, contact us at 888-843-8328. We may charge you a reasonable service charge for the delivery of paper copies of any statements provided to you electronically pursuant to your authorization. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any statement that you have authorized us to provide electronically.
F. Federal Law
You acknowledge and agree that your consent to electronic statements is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
We reserve the right, in our sole discretion, to discontinue the provision of your electronic statement, or to terminate or change the terms and conditions on which we provide electronic statements. We will provide you with notice of any such termination or change as required by law.
By clicking 'Yes, I agree with the terms and conditions of the service', you are providing consent to receive electronic statements and electronic notifications and have demonstrated that you can reasonably access these documents through the use of electronic means.
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