uOpen Electronic Disclosure and Consent
Federal E-SIGN Act Disclosure and Consent
Please read this Federal Electronic Signatures in Global and National Commerce Act (“E-Sign”) Disclosure and Consent carefully and keep a copy for your records. This disclosure and consent allows us to provide you with electronic versions of important documents (hereafter referred to as the Documents): disclosures, agreements, change notices, terms and conditions, account statements, and any other documents, both for this transaction and in the future that would otherwise be required by law or regulation to be provided “in writing” (on paper). Once you consent to receive the account opening disclosures electronically, you may request paper copies or revoke your consent as described below, which may result in a fee.
Definitions
The words “we”, “our”, and “us” mean Mechanics Cooperative Bank, successors, and assigns.
The words “you” and “your” mean each applicant, account owner, and anyone else with access to the account. If there are multiple owners, then these words mean each account owner separately, and all account owners jointly.
“Access Device” means any electronic device you use to initiate online account opening, access your account, and view electronic documents, and may be a traditional computer or a mobile device such as a tablet or smartphone.
Electronic Delivery of Disclosures and Notices
In order to use the Online Account Opening Product and to access, receive and retain the Documents, you must provide, at your own expense, an Internet connected device that is compatible with this financial institution’s Online Account Opening product deployed at the time of access. Your device must meet the minimum requirements outlined below. You also confirm that your device will meet these specifications and requirements and will permit you to access and retain the Documents electronically each time you access and use the Online Account Opening product, and that you will notify the Bank in the event that your device will not meet the specifications and requirements.
Please click on the HTML links to review the disclosures prior to continuing with your application. In order to retain, you may print the documents by selecting “Download”. Select your printer and click on OK or select Save to retain a copy on your PC. If you are working on a public computer, you should not engage in online account opening.
We retain the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Document that you have authorized us to provide electronically.
System Requirements to Access Information
To receive an electronic copy of the Documents you must have the following equipment and software:
An Access Device capable of accessing the Internet. Your access to this page verifies that your system/device meets these requirements:
An Internet web browser which is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of Microsoft® Internet Explorer version 6.0 (available for downloading at http:// www.microsoft.com/windows/ie/downloads/default.asp and your system or device must have 128-bit SSL encryption software. Your access to this page verifies that your browser and encryption software/device meets these requirements.
You must have software which permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 8.0 and above (available for downloading at http://www.adobe.com/products/acrobat/readstep2.html). Your access to this page verifies that your system / device has the necessary software to permit you to receive and access PDF files.
Multiple Devices
Your acceptance of this Disclosure and Consent on one Access Device constitutes your acceptance on all Access Devices you use, whether a traditional computer or mobile device.
By viewing and accepting this agreement on any Access Device, you are reasonably demonstrating your ability to access and view the Documents in the format provided and on all subsequent Access Devices. It is your responsibility to ensure that any Access Device you use meets the System Requirements described above, and that you are still able to access and view the Documents on the subsequent Access Device. Continuing your application on another Access Device is your reaffirmation of this agreement.
Withdrawal of Electronic Acceptance of Disclosures and Notices, and Request for Paper Copies of Records
You may withdraw your consent to this Disclosure and Consent at any time. To withdraw prior to completion of your application, you may exit this session without selecting the checkbox. To withdraw subsequently, from receipt of Documents in electronic form for any of your Accounts, or to request paper copies of any records which you previously received electronically, you must Contact Us (see How to Contact Us section below). We may treat your provision of an invalid email address or the subsequent malfunction of a previously valid address or cancellation of participation in our online banking product as a withdrawal of your consent to receive electronic statements. We may impose a fee to process the withdrawal of your consent to receive electronic statements. Any withdrawal of your consent to receive electronic statements will be effective only after we have a reasonable period of time to process your withdrawal. A request for paper copies of records which you previously received electronically may result in a fee. To the fullest extent allowed by law, we reserve the right to charge a fee for paper copies of subsequent Documents at our discretion. Fees may change from time to time; you may obtain information about these fees by referring to the fee schedule or by Contacting Us.
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. Any notification of change of email address must be received by us at least seven (7) business days in advance of the scheduled delivery of the Documents. Please contact us to update such information, including your email address.
How to Contact Us
If you wish to contact us for any of the above purposes, or if you have difficulties accessing or viewing electronic documents on your selected Access Device, you may:
- Use the Contact Us form on our website, www.mechanics-coop.com
- Call us by phone at 888-MECHANICS (632-4264); or
- Write us at PO Box 552 Taunton, MA 02780
Acceptance
You can record your consent to the E-SIGN disclosure by placing a checkmark in the box on the webpage. By checking the box on the website you (i) consent to the electronic delivery of any of the Documents and that we may discontinue sending you paper Documents, (ii) agree that your use of electronic sounds, symbols, or processes provided by us to establish your acceptance of or agreement to Service terms, conditions, and/or Legal Disclosures (e.g., an electronic check box or “I Accept” button) constitutes your electronic signature and signifies your intent to be bound, (iii) acknowledge, demonstrate, and affirm your ability to access electronically this notice and the Documents, and (iv) affirm that you have an active and valid email address, and your Access Device’s system capabilities meet the requirements described above. You also agree that we do not need to provide you with additional paper (non-electronic) copies of the Documents, unless specifically requested or as required by law.
If you do not want to receive the Documents electronically, you should exit this area of our website. If you do not consent to receiving the Documents electronically, you will not be able to open a deposit account via our website.
