Electronic
Delivery of Documents – Disclosure and Consent
CONSUMERS COOPERATIVE CREDIT UNION
847.623.3636 or 877.275.2228
This Electronic Delivery of
Documents Disclosure and Consent states
the conditions for the electronic receipt of documents including periodic
account statements, account disclosures and other notices.
These terms and conditions are in
addition to those terms and conditions outlined in agreements applying to any
account you have with us.
You are encouraged to print a copy of this document and keep
it for your records.
Electronic
Delivery of Documents
By consenting to the electronic delivery of documents, you agree
that Consumers Cooperative Credit Union (CCU) may, but is not obligated to,
send any and all of its account documents, disclosures or other notices to you
electronically (collectively referred to as “Electronic Documents”).
You can elect to withdraw your consent to Electronic Delivery of
Documents at any time by calling us at 877-ASK-CCCU (877-275-2228), by visiting
any branch office listed below, or by standard mail at:
Consumers Credit Union
Waukegan, IL 60079-9119
The legal validity and enforceability of prior electronic
documents will not be affected if you withdraw your consent.
You also may receive a paper copy of your documents upon request,
by contacting the Credit Union using the same methods stated above. Fees may apply as disclosed in our current
Fee Schedule.
Types of Documents
Included and Method of Delivery
Your
Consent to Electronic Delivery of Documents applies to all documents that we
provide to you in connection with your account activity or services, or
requests for other products and services.
Electronic
documents may include any information, statements, or disclosures related to
any of CCU’s deposit and loan products, or other services associated with your
membership account, as well as periodic statements. Electronic documents may
also include important information such as, but not restricted to, share certificate renewal notices,
non-sufficient funds notices, overdraft protection notices, loan payment
notices, Loan Advance Vouchers and Subsequent Action notices, information used
for tax purposes, and any other account notifications and disclosures required
by the Truth In Savings Act, the Electronic Fund Transfers Regulation E, the
Truth In Lending Act, the Privacy Act, the Internal Revenue Service (IRS), or
other documents required by Federal or State Regulations.
If
you consent to Electronic Delivery of Documents, we will provide the documents
on our website or other secure internet delivery method. We will send you an e-mail or other online
notification when relevant information is available for access. Any documents we send to you will be deemed
to have been provided on the date we notify you of the availability.
You will gain access to your
statements, disclosures and notices through the use of your Internet-enabled
device, your Internet Service Provider, and your Consumers CU Online Banking
Account & Password, or other secure method.
Electronic
documents will be available for viewing & printing for at least 18 months.
Required Computer Specifications
To receive
electronic statements, notices, disclosures or other
electronic documents, your computer hardware, software and your Internet
service provider (.ISP.) must meet the following specifications:
ü Internet
Explorer 7 or Above
ü FireFox
3.6 or above
ü Google
Chrome
ü Adobe
Acrobat Reader or other Portable Document Format (PDF) reader must be installed
for online account opening services or personal document archiving
ü E-mail
Address
We will provide
you with notice that your electronic documents are available via e-mail to the
last known e-mail address provided by you. The notice will identify the account
involved and the location where the document is available. You agree to notify us promptly of any change
of your e-mail address.
Contact Information
You are responsible for ensuring
that we have your current e-mail address for purposes of receiving electronic
communications. If your e-mail address changes, you must contact us to provide
us with updated information. If you fail to notify us of any change in your
e-mail address, you agree that we may continue to provide communication to you
at the e-mail address maintained in our records.
If you
have a joint account as noted and
provided for in your CU Account Agreement, your email address may be changed by
any authorized party to your account.
Please visit any branch, or contact us
in writing at the address above, or by phone at 877-ASK-CCCU
(877-275-2228).
Identity verification may be requested for any changes to your account
information.
Fee Schedule
Consumers Credit Union
offers the benefits and convenience of this Service to you free of charge. We
reserve the right to update and/or change the fee schedule for this or other
services at any time. Members will be
provided at least thirty days notification of any changes for fees applicable
to this Service.
