ELECTRONIC SIGNATURE AND CONSENT TO CONDUCT BUSINESS ELECTRONICALLY

ELECTRONIC SIGNATURE AND CONSENT TO CONDUCT BUSINESS ELECTRONICALLY

By continuing with the online Application for Membership, you consent to conduct business electronically regarding membership in Black Hills Federal Credit Union (BHFCU) and the opening of account(s) within that membership. You further understand that enrollment in our Online Banking platform is required to access your electronic notices and statements and it is your responsibility to enroll in Online Banking. 

Using this process to open your account(s) and to access and retain electronic records requires the following:

  • Browser access to the Internet (World Wide Web) with browser software that supports 128-bit SSL3 (Secure Socket Layer 3) encryption, and a computer that supports the browser software;  
  • Adobe Acrobat Reader software to view your documents;
  • An operating system and an internet connection capable of receiving, accessing, displaying, and either printing or storing the communications received from us in electronic form by access to our website using a browser as specified above;  
  • Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit;
  • An email account with an Internet service provider.  You are responsible to provide, maintain and update any personal information needed to contact you electronically (your email address for example).  
  • You are responsible for the installation, maintenance and operation of any software and your computer, tablet or mobile device. BHFCU will not be responsible for any errors or failures involving any telephone service, Internet service, software installation or your  software/hardware issues with your computer, tablet or mobile device.
  • NON-ACCEPTANCE.  If you do not provide your electronic signature and consent to conduct business electronically, your account will be unable to be opened.

 

NOTICES OF ADDRESS, PHONE, NAME OR EMAIL.  Changes to Name, Address and Account Holder. You are responsible for notifying us of any address change (both physical and email), phone number change (both mobile and landline), name change or death of an account holder. Notices must be in a form and manner acceptable to us with enough information to allow us to identify the account. BHFCU is only required to attempt to communicate with you at the most recent address, email address or phone number you have provided to us. We may require all name and address changes to be provided in writing.  If we attempt to locate you, we may impose a service fee as set forth in the Truth-in-Savings Disclosure and Schedule of Fees.  Name changes must be requested in writing with documented proof of legal name change.

 

NOTICES. BHFCU reserves the right to change the terms and conditions upon which electronic services are offered. BHFCU will deliver notice to you at least twenty-one (21) days before the effective date of any change, as required by law. The use of BHFCU’s electronic services are subject to existing regulations governing your accounts, any future changes to those regulations or the addition of other regulations.

 

EFFECT OF NOTICE.  Any written or electronic notice you give us is effective when we receive it. Any written notice we give to you is effective when it is deposited in the U.S. Mail, postage prepaid and addressed to you at your statement mailing address. Any electronic notice we give to you is effective when it is sent to the email address we have on file or made available in our Online Banking platform. Notice to any account owner is considered notice to all account owners.


 

SECURITY OF PASSWORDS/ACCESS CODES AND PINS.  The access codes, PINs or passwords (password) issued to you are for your security purposes. The password is confidential and should not be disclosed to third parties or recorded. You are responsible for safekeeping your password. You agree not to disclose or otherwise make your password available to anyone not authorized to sign on your accounts. If you fail to maintain the security of these passwords and BHFCU suffers a loss, we may terminate any or all of your electronic services immediately.


 

TERMINATION OF ELECTRONIC SERVICES TO INCLUDE e-STATEMENT SERVICES. You agree that we may terminate this Agreement and your use of any or all electronic services if you, or any authorized user of your account or password, breach this or any other agreement with us; or if we have reason to believe that there has been an unauthorized use of your account, password or access code.  However, termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions and/or fees initiated or incurred before termination.

 

CONSENT. By electronic signature accepting this Agreement, you agree to receive electronic delivery of all disclosures, agreements, change notices, tax forms, terms and conditions and any other document required during the course of your relationship with BHFCU.  You further agree that you have access to a computer that satisfies the hardware and software requirements specified in this Agreement and that you have provided us with a current, valid email address at which we may send electronic communications to you.  We strongly encourage you to print or download a copy of this Agreement, as well as any other communication that is important to you for your files. By consenting to this agreement, you understand that you are applying for current and future electronic services that may be offered by BHFCU. You agree and understand that if approved for membership, you are contractually liable according to the applicable terms of the BHFCU Membership and Account Agreement and Disclosures, the Fee Schedule, and all associated terms and amendments BHFCU makes as applicable.

 

HOW TO WITHDRAW CONSENT.  You may withdraw consent to receive communications in electronic form by contacting a Member Service Representative by telephone, mail or via secured message.  By withdrawing consent, you agree to receive communications by mail only.  There is currently no fee for receiving automated mailed statements and notifications.  BHFCU reserves the right to change the terms and conditions upon which the service is offered.  Use of our online account opening service may require you to consent to this Agreement more than one time.  Other than those required by regulation, BHFCU does not guarantee that all notices will be available in paper format.