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Home : InfoCenter : Terms and Disclosures : e-Statement Terms and Conditions

eStatement Terms and Conditions

Customer must be the Primary Account owner on all accounts they wish to access electronically.

eStatement Agreement ("Agreement") :

In consideration of the eStatement Program ("Program") to be provided by Standard Bank and Trust Company as described from time to time in information distributed by Standard Bank and Trust Company to its customers, the undersigned customer(s) of Standard Bank and Trust Company ("you" or "your") agree(s) as follows:

General. You hereby request and authorize Standard Bank and Trust Company to send notice of regular periodic account statement(s) and any required account disclosures to you in electronic format for all accounts designated in this agreement. You understand that you will be responsible for viewing your account statement(s) and disclosures through Standard Bank and Trust Company's Online Banking Program, and that by entering into this Agreement, you will no longer receive paper account statements. You agree to be bound to all rules and regulations applicable to your deposit account and any other contract for services at Standard Bank and Trust Company as established and amended by Standard Bank and Trust.

Program Requirements. You hereby affirm and agree that you have access to the following computer hardware and software, which are necessary for the operation of this Program:

  • Personal Computer with internet access
  • Microsoft Internet Explorer browser (version 6.0 or higher) or Firefox browser (version 3.0 or higher)
  • Adobe Acrobat 6.0 or higher
  • Authorized Online Banking Access
  • Method by which to store statements: printer, download capability, sufficient memory space on computer, or disk drives

Standard Bank and Trust Company will notify you of any material change in hardware or software required for retrieving or storing account statements or disclosure information. If such changes render you unable to access the Program, you may cancel your participation in the Program immediately by terminating this Agreement as outlined below. There will be no charge for such termination.

Disclosures. Federal law requires that we obtain your consent before providing required account disclosures electronically. To receive your periodic statements online, you must consent to receive any required disclosures electronically. Standard Bank and Trust Company will provide this information in a clear, conspicuous manner that you can print and/or store using the hardware and software specified above. Standard Bank and Trust will send a message to your email address each month telling you when your disclosures and/or periodic statements are available. A copy of said disclosures may be viewed by accessing Online Banking via Standard Bank and Trust Company's web site, www.standardbanks.com. The disclosures will be available for viewing online for a period of at least 90 days.

You may withdraw your consent to receive your account disclosures electronically by calling Customer Service toll-free at 1-866-499-BANK (2265); sending your email request to customerservice@standardbanks.com; or mailing your written request to Standard Bank and Trust, eStatements, CRF Department, 7725 W 98th Street, IL 60457. There are no fees for withdrawal of consent. Such withdrawal of consent will result in termination of this agreement, and will result in Standard Bank and Trust Company mailing your account statements and disclosures to the address Standard Bank and Trust Company has on file in paper form.

Termination. You may terminate this Agreement at any time by contacting us as indicated above. There are no fees associated with revoking this Agreement. Standard Bank and Trust Company may also terminate this Agreement at any time and for any reason without advance notice to you. Termination of this agreement will result in Standard Bank and Trust Company mailing your paper account statements and disclosures to the address Standard Bank and Trust Company has on file.

Operation of Online Account Statement Program. Standard Bank and Trust Company will send you an email notification each month to the email address you provide. The notification will inform you that your deposit account statement and required disclosures are available online. Following the notification, you will be able to access your account statement by logging on to Personal Online Banking via Standard Bank and Trust Company's website, www.standardbanks.com , using your Access ID and Password. Your account statement will be posted at Standard Bank and Trust Company's website for 18 months after Standard Bank and Trust Company emails you the notification that it is available. You are responsible for printing or downloading copies of your statement for your permanent records. If you require a copy of your account statement after the 18-month period has ended, you must follow the procedure described for obtaining a paper copy below.

Paper Copy Procedure. You have a right to obtain a paper copy of any of the above-described disclosures or online account statements. To obtain a paper copy, you must call our Customer Service Center at 866-499-BANK (2265). A paper copy of your statement will be provided to you for a fee of $5.

Email Address Access and Changes. You agree to maintain a valid email address to receive the account statement notifications. You agree to notify Standard Bank and Trust Company immediately if you are unable to access any of the information that has been delivered by Standard Bank and Trust Company in an electronic form or manner. If you change your email address, you must notify Standard Bank and Trust Company by calling Customer Service toll-free at 1-866-499-BANK (2265). If the email notification is returned to Standard Bank and Trust as undeliverable, a written notification that your electronic statement is available will be mailed to you at the address Standard Bank and Trust Company has on file for you, along with a request for your new email address. If we do not receive a response from you within fourteen (14) days, Standard Bank and Trust Company will cancel this Agreement and resume mailing paper statements to the address Standard Bank and Trust Company has on file for you.

Liability.  Standard Bank and Trust Company will not be responsible or liable for consequential or incidental damages for Standard Bank and Trust Company's performance under this Program, damages arising from unauthorized access to the Online Account Program, damages arising from your inability to access your online account statement, including computer, email or internet malfunctions, or any costs associated with updating, modifying or terminating your software or hardware.

Confidentiality. You agree to maintain the confidentiality and security of your online account Access ID and Password, and you agree that Standard Bank and Trust Company's security procedures are commercially reasonable.

I acknowledge that I have reviewed this Agreement, understand the terms and conditions set forth herein, and agree to be bound hereby. This agreement will apply to the accounts I have listed above.

Please click here to open the attached PDF document. This will indicate to us that you have the ability to open and view PDF documents, which is the format that statements and disclosures appear in.

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Member FDIC. Equal Housing Lender Equal Housing Lender. Standard Bank's internet account access features make use of a private network, intended for authorized users only. We have confidence in the security measures we employ; however, this is not an invitation for individuals to attempt unauthorized access. Standard Bank reserves the right to monitor, record and prosecute any individuals who attempt unauthorized use of this system.

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