General Information:

When you enroll in the eStatement program, you agree to receive your monthly or quarterly member account statements electronically. We will generate periodic account statements that reflect all activity for the preceding statement period. When statements are available for review, we will notify you by email. We will use the email address on your account records. If we are unable to deliver proper notification to the e-mail address you provided, we will make reasonable attempts to obtain this information. Your mailing address and email address should be kept current at all times.

Member account statements include activity and balance information on savings, checking, loans and other transaction accounts. Your account statements are made available to you when you visit www.firstcommunity.com and select "View Your eStatement". You will need to log on with your account number and PIN. You will be provided a readable, printable and downloadable statement from this site.

To retain your statements, you can download them to your computer or print them. In addition to your regular statement, you agree to be sent notices or disclosures as required by law or regulation regarding your membership and accounts.

While you are enrolled for eStatements, you will not receive a paper statement. You have the right to request a paper copy of your statement by emailing estatement@firstcommunity.com. You have the right to withdrawal your consent to receive your statements in electronic form by emailing us at estatement@firstcommunity.com or writing us at:

First Community Credit Union

Attention: Internet Services

P.O. Box 1030

Chesterfield, MO 63006

Your Billing Rights:

NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. If you think your statement is wrong, or if you need more information about a transaction on your statement, write us on a separate piece of paper at the address listed on the front of your statement. Write us as soon as possible. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.

1. Tell us your name and account number.
2. Tell us the dollar amount of the suspected error.
3. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about.

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE. After we receive your letter, we cannot try to collect any amount in question, or report you as delinquent. We can continue to send statements to you for the amount in question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to the parts of your statement that were not in question. If we find that we made a mistake on your statement, you will not have to pay any finance charges related to the questioned amount. If we did not make a mistake, you will have to make up any missed payments of the questioned amount and you may have to pay finance charges. If we don’t follow these rules, we cannot collect the first $50 of the questioned amount, even if your statement was correct.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Write us at the address shown on the front of your statement as soon as you can if you think your statement or receipt is wrong, or if you need information about a transaction on your statement or receipt. You can telephone us, but doing so will not preserve your rights. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.

1. Tell us your name and account number.
2. Describe the error of the transaction you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If the investigation takes longer than our assigned time frame, we will recredit your account for the amount you think is in error so that you may use the money while the investigation is pending. This time frame is 20 business days if the transfer involves a new account, five business days (after written notification) for Visa debit transactions or 10 business days in any other instance.