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Electronic Consent Agreement

Credit Union of Georgia Online Banking Electronic Consent By clicking ‘I Agree” and submitting this Electronic Consent, you affirmatively agree and authorize Credit Union of Georgia to conduct business with you electronically to include but not limited to providing alerts, disclosures, notices and Periodic Statements by electronic means. If you authorize or have already authorized another person to access your account through Credit Union of Georgia’s Home Banking, eBranch, you agree and authorize the same to receive your electronic communication. This agreement with the Credit Union is subject to the terms and conditions of your Credit Union Membership and Account Agreement. SCOPE OF CONSENT: You elect and consent, at our discretion, to the electronic delivery of e-mail alerts regarding your account information as well as disclosures and notices that we are required to provide you under applicable Federal and State statues and their implementing regulations, as amended from time to time. The information may include, but is not limited to:

  • eAlerts
  • eNotices
  • eStatements
  • Disclosures

Notices of change in terms for your deposit account Terms and Conditions of your deposit account Electronic Funds Transfer Disclosure Funds Availability Policy Truth in Savings Privacy Disclosure and Opt Out Notice Billing Rights Notice of change in schedule of fees Annual Privacy Notice.

Home Banking, eBranch, may work with other internet browsers, but we are unable to provide support for them.

PASSWORDS/SECURITY: After receiving your Home Banking, eBranch, password/access code from us, you agree to change your password/access code immediately when logging on to Home Banking, eBranch, for the first time. You agree not to give or make available your password for any Credit Union electronic service to any unauthorized individuals. If a third party should gain access to your Home Banking, eBranch, access code, you alone are responsible for changing the Access Code to deny a third party’s access to your banking information and you agree to do so via Home Banking, eBranch, and to contact the Credit Union immediately. If you believe that your password has been lost or stolen or that someone may attempt to access your account without your permission, you agree to change your code via Home Banking, eBranch, and notify the Credit Union immediately. If you authorize another person to use your Home Banking, eBranch, access code, that person can use a Credit Union service to perform any of the functions that you may perform. Use of your access code by you or by any other person with your authorization will be considered the same as your written signature authorizing us to complete any transaction or request communicated through the service.

YOUR RIGHT TO TERMINATE: You may withdraw your consent to do further business electronically with us. If you decide to withdraw your consent, the legal validity and enforceability of prior electronic Disclosures will not be affected. You may cancel at any time by emailing your request to ContactUs@CUofGA.org, or calling us at 678-486-1111 or writing us at Credit Union of Georgia, PO Box 2148, Woodstock, GA 30188. Depending on when the request for cancellation is received, we will cancel your eAlerts within a reasonable amount of time. We will begin mailing your paper periodic statements, disclosures, and notices required by federal and state regulations to you via the U.S. Mail.

OUR RIGHT TO TERMINATE: You agree that we have the right to terminate or limit your electronic services at any time and for any reason at our discretion. If your electronic services are terminated or limited, we will begin mailing your paper disclosures, notices and periodic statements required by federal and state regulations to you via the U.S. Mail. We reserve the right to block access to any of your services in order to maintain security.

PAPER COPY: You have the right to receive a paper version of a periodic statement, disclosure, and notice required by federal and state regulations upon request. There may be a fee for requesting any paper copy of an electronic statement we have previously provided to you. Refer to our rate and fee schedule for current fee.

OUR RIGHT TO CHANGE: You agree that we can amend, supplement, change or discontinue any of these terms and disclosures at any time. If you continue to use this service after any such change, you are considered as agreeing to the change. If you do not agree to a revised version, you must terminate as set forth above.

LIMITED LIABILITY: We will not assume liability for non-receipt of e-alerts regarding account information, disclosure or eNotice availability, due to but not limited to the following reasons: The email address on file is invalid. Your email or internet service provider filters the notification from your Inbox (e.g. considers it “spam” or “junk mail”). There is a malfunction in your personal computer browser and/or software.

EMAIL ADDRESS: A valid email address is needed to receive eAlerts, eNotices, and disclosures. It is your responsibility to ensure we have a valid email address at all times in order for us to send electronic communication to you. If you change your email address, it is very important that you change and you agree to change your email address appropriately with us. You understand and agree to keep your current email address updated via the update option online within Home Banking, eBranch, or you may send us a signed request to: Credit Union of Georgia, Attn: Member Services, PO Box 2148, Woodstock, GA 30188, or fax a signed copy to the Credit Union at 678-486-1191. Failure to do so may adversely affect our electronic communications to you.

If an eAlert of account information, disclosures and/or eNotices are returned undeliverable, you agree that the Credit Union has the right to immediately terminate your electronic communication and/or change the delivery of your account periodic statements, disclosures and notices to paper format, and it will be your responsibility to re-apply.

SERVICE INTERRUPTIONS: We may perform maintenance on our systems from time to time, which may result in interrupted service. We will attempt to provide prior notice of such interruptions and changes but cannot guarantee that such notice will be provided. You agree that we will not be liable to you if Credit Union of Georgia’s Home Banking, eBranch, is delayed or unavailable at any time. We make no warranty to you regarding your equipment or the software including fitness for a particular purpose.