By accepting the "Citizens & Northern Bank Electronic Delivery Agreement," you consent and agree that Citizens & Northern Bank (herein after referred to as: the Bank) may provide according to your elections, periodic statements, billing notices, disclosures, or deposit notices relating to an account to you in electronic form, in lieu of paper form sent via the U.S. Postal Service.
Your consent to receive eStatements covers periodic statements and billing notices for opted–in accounts. All periodic statements and billing notices shall be in full compliance with applicable laws and regulations. The provisions in this agreement are part of (and in supplement to) the Bank's Terms and Conditions and are subject to all provisions in the Terms and Conditions. Each Bank account that you opt–in is also governed by the terms and conditions otherwise applicable to that kind of account as separately disclosed to you. If you decide to receive some eStatements electronically and some statements in paper; the eStatements that you receive electronically will be governed by this agreement.
When your periodic statements or billing notices are available, we will send you an e–mail notification using the e–mail address you provided. If the e–mail address you provided is no longer valid or is incorrect, and attempted delivery of your e–mail notification fails, we will continue to deliver your periodic statements or billing notices to your online banking account. You agree that if this opt–in consent is for a checking account statement that has been combined with a savings account statement and/or a Key Loan or Ready Cash/Reserve billing notices, the savings account periodic statement and/or a Key Loan or Ready Cash/Reserve billing notice will also be received in electronic format. All of the terms and conditions apply to the savings accounts as well as the checking account.
Your consent to receive disclosures and deposit notices electronically, may include but is not limited to renewal notices, fee schedules, deposit notices, privacy notices, required account disclosures, tax forms, appraisals, and other information that relates to the opening of a deposit or loan account, product or service, including account agreements, or other disclosures that may be required by the Truth in Lending Act, Truth in Savings Act, Electronic Fund Transfer Act, Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Real Estate Settlement Procedures Act or other applicable federal or state laws and regulations. All disclosures and deposit notices shall be in full compliance with applicable laws and regulations.
When your disclosures or deposit notices are available, we will send you an email using the e–mail address you provided. If the e–mail address you provided is no longer valid or is incorrect, and attempted delivery of your e–mail fails, you understand and agree that the disclosure or deposit notice was nevertheless deemed to have been provided or delivered to you through electronic means. In the Banks sole discretion, if we feel that you should receive the disclosure or deposit notice in paper format rather than electronically, we may deliver any of the aforementioned disclosures or deposit notices either by hand or send them via the U.S. Postal Service to the address connected to the account that the disclosure or deposit notice pertains to.
Cancelling Request: You have the right to receive your periodic statements, billing notices, disclosures, or deposit notices in paper form and may do this by notifying the Bank or by changing your delivery preferences to opt–out in Online Banking. This means that your opt–in status will be removed and we will discontinue electronic delivery. You may reinstate your opt–in status by changing the delivery preferences back to opt–in at any time in Online Banking.
Change in Terms: The Bank reserves the right to change the terms and conditions of this agreement at any time, which includes the addition and deletion of electronic delivery services. The Bank reserves its right to terminate this agreement and your access to electronic delivery service, in whole or in part, at any time.
E–Mail Change: If your e–mail address changes, you may update it by using the delivery preferences screen in Online Banking.
Multiple Owners: Each account owner has the ability to update the e–mail address used and to Opt–in or Opt–out of eStatements or Disclosures and Deposit Notices. All emails will be sent to the most recent e–mail address received by the Bank.
Paper Copy: You have the right to receive a paper copy of a periodic statement, billing notice, disclosure, or deposit notice at any time. Please visit any of our branch offices and request a copy during normal business hours or call your local branch. If there is a cost for a paper copy, the cost is listed on our fee schedule that you received when opening your account. You will be notified of any fee changes.
Hardware/Software requirements: You confirm that you have access to the Internet, Online Banking. To keep Internet based financial transactions secure whether on a computer, phone or hand held device, always keep your browser(s) up to date. Our Online Banking software vendor supports the following browsers: Internet Explorer, Chrome, Safari and Firefox. The current version of these browsers and the previous two versions are supported. We also support Adobe Acrobat Reader which enables you to view your agreement and notices. The current version of Adobe and the previous two versions are supported. You will also need a printer if you choose to print the agreement and notices and a storage device if you choose to download for permanent storage.
Note: Please keep in mind that our vendors only support encryption protocols TLS 1.1, TLS 1.2 and TLS 1.3; they do not support SSL v2 or SSL v3. (TLS –Transport Layer Security vs SSL –Secure Sockets Layer) Both are the cryptographic protocols designed to provide secure communications over the Internet, TLS is the replacement for SSL.