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Electronic Signature Act Disclosure

The terms "We", "Us", "Our", and "Credit Union" refer to First Community Credit Union, and "You", "Your", and "Yourself" refer to each person applying for electronic delivery.

This Electronic Signature Act ("E-Sign Act") Disclosure applies to all electronic communications between You and Us. When you consent to this disclosure, you agree to the following terms and conditions.

Documents Sent Electronically

We will provide You the following documents ("Documents") in an electronic format and discontinue sending them to You in paper form. At any time, You may opt to receive these documents in paper form. The Documents that will be sent electronically include, but are not limited to, the following:

  • Account Statements
  • Tax Documents
  • Other communication for important Notices, Disclosures, and/or Product and Service announcements from Us


You must sign up for EXPRESSnet Online Banking and/or e-statements to receive the Documents electronically. You must also provide and maintain a valid email address at all times, and You must contact Us when You change your email address. Invalid email addresses may be grounds for revoking electronic delivery of the Documents.

Electronic Notification

When We deliver the Documents electronically, We will notify You with the email address We have on file. The notice will only inform You of its availability. Please login to First Community's EXPRESSnet online banking or directly into the e-statement portal to access the documents.

You may update your email address at a branch, through the e-statements link within online banking, or by sending us an email request from our secure message center within online banking. We apologize but we are unable to change an email address through an unsecure email correspondence.

Consent Withdrawal

At any time, You may withdraw Your consent to the electronic delivery of Your Documents. Please contact us at 800.767.8880, or email us at [email protected] and ask to change your statements back to paper delivery. You may also complete a Cancellation of Services Authorization form found within online banking to withdraw your consent.

At Our discretion We may consider an invalid email address, even if valid before, as a withdrawal of consent.

We will not charge You a fee to process Your withdrawal of consent, but We may take a reasonable amount of time to process Your request.

Updated Records

You are solely responsible for providing, maintaining, and updating your contact information and other information pertaining to this Disclosure current with us. You may contact Us to update this information.

Hardware and Software Requirements

Prior to accepting the electronic delivery of disclosures, you should verify that you have the required hardware and software necessary to access and retain Documents and Disclosures in and electronic format. You will need:

  • Internet access
  • A computer and internet browser that supports 128-bit encryption
  • A printer connected to your computer, or
  • Sufficient hard drive space or other media (e.g. USB drive or CD) if you plan to download and save documents and disclosures in electronic format
  • The most up-to-date version of Adobe Reader, which can be downloaded free from

We may revise hardware and software requirements from time to time as necessary, and if there is a chance that the changes may impact your ability to access the documents we will notify you of these changes 30 days in advance and provide you an opportunity to change your method of receiving disclosures.

Paper Copies

We are not obligated to provide You a copy of the Documents authorized to be sent electronically. However, We reserve the right to send you paper copies at Our discretion.

If you would like paper copies without revoking Your authorization to electronic delivery, You may either print the Document Yourself, of You may request them directly from Us. We may charge a fee for paper copies. Please see the account fee disclosure.

Communications in Writing

In accordance with the E-Sign Act, electronic communications of the Documents will be considered "in writing" for the purposes of other federal and state laws.

E-Sign Act

Your consent to the electronic delivery of the Documents falls under the jurisdiction of the E-Sign Act, and that We and You intend to comply to the fullest extent possible.


At Our discretion and if deemed necessary or appropriate, We may terminate Your consent for electronic delivery of the Documents. If such action is taken We will provide You a notice of termination.