This CenterBank Electronic Statements agreement and disclosure explains the terms and conditions governing the CenterBank eStatements service. The Commercial Customer of CenterBank of Jacksonville, N.A. (referred to as “you” or “yours”) agrees to the terms of the Business electronic statements disclosure and the requirements to access and retain the electronic statements.
Election and Authorization for Electronic Delivery
You acknowledge that you have read and agree to the terms of the electronic statement disclosure, you agree that you meet requirements to access and retain the electronic statements, you can access and retain a PDF file, and you want to receive your account statements electronically. If there is more than one depositor that is party to the account, notice to any one depositor will be effective for all. Your consent and authorization will remain valid until such time as you exercise your right to withdraw this consent. You will no longer receive paper statements by regular mail.
Scope of Communications to Be Provided in Electronic Form
An electronic statement, including copies of imaged checks that you can view, save to your computer, or print at your convenience, will be provided for each account that you have selected for eStatements. However, if the bank has provided you with eStatement for your Line of Credit or other loans, these statements are for information purposes only. You will still receive a paper statement for your loan accounts that will be the official statement of record. From time to time, we may add to, modify, or delete any feature of the eStatements at our sole discretion.
Hardware and Software Requirements
In order to access, review and retain electronic statements (communications), you will need:
Statement Availability
Business account statements will be available online the 2nd day of each month for the previous month statements. When the 2nd of the month falls on a Saturday, Sunday or holiday the statements will be available the following business day. Retail account statements will be available online the 7th day of each month. When the 7th of the month falls on a Saturday, Sunday or holiday the statements will be available the following business day.
Right to Withdraw Consent
You may withdraw your consent to receive statements electronically for any of your accounts at any time by notifying CenterBank. You may be asked to follow up any verbal requests with a signed request to withdraw 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. After that time, you will receive paper statements. No fee will be charged for discontinuing this service. However, if receipt of electronic statements is a requirement of your account, then we reserve the right to close your account or change your account to a different account that may have an associated fee.
Obtaining paper Copies of any Record upon Request
We will not send you a paper statement unless you request it or we deem it appropriate to do so. You may obtain a paper copy of an electronic statement by printing it yourself or by requesting it within a reasonable time after we first provided the electronic statement to you. To obtain a paper copy you may contact CenterBank of Jacksonville. You agree to pay a service fee of $5 for each paper copy of a statement provided to you electronically pursuant to this authorization. The fee will be automatically debited from the account that received a request for a paper statement. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any statement you have authorized us to provide electronically.
Prompt Review of Electronic Statements
You must promptly review your eStatements and notify us in writing of any error within the time requirements indicated on the back of your statement. Any applicable time periods within which you must notify us of any errors on your account statement(s) shall begin on the date the eStatement was first made available to you regardless of when you receive and/or open the eStatement.
Communication 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 enrollment to receive electronic statements, and any other communication that is important to you.
Federal Law
You acknowledge and agree that your consent to electronic statement is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in the 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.
Termination/Changes
We Reserve the right, at our sole discretion, to discontinue the provision of your electronic statement (communications, or to terminate or change the terms and conditions on which we provide electronic statements (communications), including any applicable discount for receiving such statements electronically. We will provide you with notice of any such termination or change as required by law.
ERROR RESOLUTION NOTICE AS IT APPEARS
ON THE BACK OF THE STATEMENTS
In case of errors or questions about your electronic funds transfers call: CenterBank of Jacksonville (904) 348-3100 or write to: CenterBank of Jacksonville, N.A. P.O. Box 47715 Jacksonville, Florida 32247 as soon as possible if you think your statement or receipt is wrong or if you need more information about the transaction on the statement or receipt. You must contact the Bank no later than 60 days after we sent the FIRST statement on which the problem or error appears. You must be prepared to provide the following information: 1) your name and account number; 2) a description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information; 3) the dollar amount of the suspected error.
We will tell you the results of our investigation within 10 business days (5 business days for Visa point of sales transactions or 20 business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, we may take up to 45 days (90 days for new accounts and foreign initiated or point of sales transfers) to investigate your complaint or question, of we decided to do this we will recredit your account within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes to complete our investigation. However, if our investigation shows us to be correct we will reverse this credit immediately. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not recredit your account. We will tell you the results within 3 business days after completing our investigation.