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eStatement Disclosure

This agreement applies to each account you have with 1st United Bank where electronic statements are available.  In addition, you may receive most disclosures and notices on your designated accounts through the same web-based electronic service.

You have elected to have statements provided to you electronically through our online banking system; however you do have the right to receive paper statements.  By submitting the Online statement form on the website, you agree that we may provide you with any statement relating to any account in electronic format, and that we may discontinue sending paper statements to you, unless and until you withdraw your consent as described below.  Your consent to receive electronic communications and transactions includes, but is not limited to the following:

  • Disclosures or agreements for your Account(s) of associated features
  • Periodic disclosures or monthly statement for your Account(s)
  • Notices or disclosures about a change in the terms of your Account(s) or associated features
  • Privacy policies and notices
  • Any other correspondence related to the account

Method of Providing Statements to You in Electronic Form

All statements that we provide to you in electronic form can be obtained by accessing our website at within our Online Banking System.  Each month we will send an email notice to you advising you of the availability of your Electronic Statement with instructions on how to access your Electronic Statement.  Your Electronic Statement will then be available for viewing for a period of 13 months from the date of each eStatement.

Requesting Paper Copies

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 seven years after we first provided the electronic statement to you. To request a paper copy, contact us by telephone at (800-282-7170). We may charge you a reasonable research 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.

How to Update Your Records

It is your responsibility to provide us with true, accurate and complete e-mail address, contact, and other information related to this Disclosure and your Account(s), and to maintain and update promptly any changes in this information. You can update such information (such as your e-mail address) by visiting our Website and clicking on the “Contact Us” link, by telephone at 507-334-2201, or by postal mail at 430 NW 4th Street, Faribault, MN  55021.

Withdrawing Consent

You may withdraw consent to receive statements in electronic form for any of your Accounts by contacting us at 800-272-7170 or by mail to 430 NW 4th St, Faribault, MN  55021.

System Requirements

You are required to provide the Bank with a valid email address.  It is your responsibility to notify us if you change your email address.  If a Notice email is returned undeliverable, the Bank may at its discretion discontinue your eStatement service and begin sending your periodic statement and Disclosures to you in paper form at the address shown on our records.

You agree to maintain access at all time to personal computer capability sufficient to receive Notice Emails, view your eStatements and Disclosures, and to view or print your statements and Disclosures.  If additional software become necessary to do any of these acts, you agree to obtain such software at your expense or to discontinue the service.

In order to access, view, and retain electronic statements that we make available to you, you must be enrolled in either 1st United Bank’s Personal or Business Online Banking system and have the following minimum requirements:

  • Personal Online Banking requires an Internet browser (Internet Explorer 6.0 ® or Netscape 6.1® that supports 128 bit encryption);
  • Business Online Banking requires an Internet browser (Internet Explorer 6.0® or Netscape 6.1® that supports 128 bit encryption);
  • Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit;
  • Adobe Acrobat® Reader 7.0 or higher; 
  • 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 via a plain text-formatted e-mail or by access to our web site using one of the browsers specified above. 

Statement in Writing. All statements in either electronic or paper format from us to you will be considered “in writing.” You should print or download for your records a copy of your Statements, this Disclosure, and any changes to that authorization.

No Warranty for Continuous or Uninterrupted Service. Because of the unpredictability of the internet, we do not guarantee continuous or uninterrupted access to your bank statements through the internet. However, should you be unable to access your statements, you can call the bank at (800) 282-7170 and the bank will take other measures to provide copies of your statements to you.

Limit of Liability. You agree that in no event will we or our suppliers (or any of our or our supplier’s shareholders, members, officers, directors or employees) be liable for lost profits or any special, incidental or consequential damages arising out of or in connection with your use of our service, even if we have been advised of the possibility that such damage will occur. Further you agree that neither we nor our suppliers (or any of our or our supplier’s shareholders, members, officers, directors or employees) will be liable for any technical, hardware or software failure of any kind, any interruption in the availability of our service, any delay in operation or transmission, any incomplete or garbled transmission, computer virus, loss of data, or other similar loss. To the extent we may have breached any term of this consent and agreement, you agree that your sole remedy is to discontinue use of this service. You further agree that our Liability to you in any case (whether in contract or not) will not exceed amounts paid to us within the last 90 days (if any) for this service.

Arbitration. You agree that any claim or controversy relating to this Consent and Agreement will be settled by binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association. You agree that any claim or controversy you may have will be arbitrated on an individual basis and will not be consolidated in any arbitration with any claim or controversy of any other party. You agree that the arbitration will be conducted in the city in which the Bank’s main office is located and that judgment on the arbitration award may be enforced by any court having proper jurisdiction.

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 (E-Sign), 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. 

Termination/Changes. 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.