E-Statements

To Sign Up for E-Statements

Contact us at:
Monroe:  734-242-3765    |    Lambertville:  734-856-4029

E-Statement FAQ

EDUCATION PLUS CREDIT UNION ELECTRONIC STATEMENT (OR "eStatement") DISCLOSURE AGREEMENT

Electronic Delivery of Statements and Notices By submitting your request for eStatements electronically, you consent and agree that Education Plus Credit Union ("Credit Union") may provide certain disclosures and notices to you in electronic form, in lieu of paper form.

Definitions As used in this Agreement, the words "we", "our", "us" and "Credit Union" mean Education Plus Credit Union. "You" and "your" refer to the account owner(s) authorized to receive eStatements under this Agreement. "Account" or "accounts" means your share and/or loan accounts at the Credit Union. "Business days" means Monday through Friday. Federally designated holidays are not included.

Scope of Consent for Electronic Delivery of Statements Your consent to receive electronic statements covers the periodic statements you are provided in connection with your share and loan accounts with the Credit Union. Your consent also covers all disclosures that are required or may be provided on or with your account and/or loan statements, including, but not limited, to the Billing Rights Statement required by the Truth in Lending Act and the Error Resolution Notice required by the Electronic Funds Transfer Act.

You understand that the Credit Union will discontinue mailing printed loan and share account statements to your address of record. All future statements will be maintained on a website which you access to obtain, review, print, and copy/download your periodic statements. Each month we will send an e-mail notice to you advising you of the availability of your eStatement and the website where you can access your statement. You may then access your statement via that website using the procedures we authorize. The Credit Union will not use the e-mail provided for purposes other than those disclosed in this Agreement. The Credit Union does not sell member e-mail addresses or provide them to non affiliated third parties.

Scope of Consent for Electronic Delivery of Notices Your consent to receive electronic notices covers any notice or other type of communication provided to you pursuant to the terms of this Agreement.

We will send all notices, attachments and/or documents via-email to the last known e-mail address provided by you. You agree to notify us promptly of any change of your e-mail address.

Education Plus Credit Union eStatement Procedures You will receive an e-mail shortly after the end of each statement period (not all accounts generate monthly statements) letting you know that your statement is ready for viewing. The notice will include a link to the Credit Union eStatement log-in page. You must log into this page to view your statement.

Visit http://www.edpluscu.com click, on the eStatements link, enter your User ID and password, and click Enter.

After clicking the Enter button, you will be able to view a list of your available statements.

Duty to Review Periodic Statements Your eStatement will be dated the day of the e-mail notifying you of the availability of your eStatement (the "E-mail Date"). You must promptly access/review your eStatement and any accompanying items and notify us in writing within the applicable time period specified in your Truth In Savings or Loan Agreement, whichever is applicable, of any error, unauthorized transaction, or other irregularity. If you allow someone else to access your statement, you are still fully responsible to review the statement for any errors, unauthorized transactions, or other irregularities. Any applicable time periods within which you must notify us of any errors on your account statement(s) shall begin on the E-mail Date regardless of when you receive and/or open the eStatement.

Change of E-mail address You agree to notify us immediately of any change in your e-mail address. Notice must be in writing to the Credit Union, by fax to 734-384-9230, by regular mail or by e-mailing us from the new e-mail address to estatements@edpluscu.com.

Security You understand the importance of your role in preventing misuse of your accounts and you agree to promptly examine your eStatement for each of your Credit Union accounts as soon as you access it. You agree to protect the confidentiality of your account and account number, and your personal identification information, as well as your driver's license number and social security number. You understand that personal identification information by itself or together with information related to your account, may allow unauthorized access to your account. Data transferred via eStatement is not encrypted. You acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing the Internet, or e-mail transmitted to and from us, will not be monitored or read by others.

Password Security If you forget your password, click the E-mail Password link under the log in information. If you are having difficulty accessing your account, contact us at 734-242-3765 or toll-free at 1-800-732-1921.

Your log in password is confidential information that should be known only by you. The Credit Union will not, for any reason, ask for your log in password. If anyone contacts you and requests this information, contact us immediately. You are responsible for keeping your log in password confidential.

Here are some suggestions for maintaining password secrecy:

Memorize your passwords - never write them down.

Try to use random numbers and letters for your password. Avoid using passwords that could be easily guessed by others (your name, your phone number, your date of birth, etc.).

Always exit your e-mail before leaving your computer unattended.

Notify the Credit Union immediately if you have any reason to believe that the confidentiality of your password has been compromised.

If you have a "multiple-party account", your password may be changed using the "change password" link under the log in information, by any authorized party to your account. THE CREDIT UNION SHALL HAVE NO OBLIGATION OR LIABILITY TO ANY OF THE PARTIES TO A MULTIPLE-PARTY ACCOUNT IF THE PASSWORD IS CHANGED USING PROCEDURES WE AUTHORIZE.

Change in Terms We may change any term of this Agreement at any time. If you do not wish to accept the change, you may terminate this Agreement by withdrawing your consent to receive statements and notices electronically.

Your Right To Withdraw Consent You have the right to withdraw your consent to have your statements provided in an electronic form by contacting the Credit Union in writing or via e-mail to estatements@edpluscu.com. We must receive your withdrawal of consent not less than three days before the date statements are processed for a statement period for you to receive a paper statement for that statement period. You will receive paper statements for subsequent statement periods.

Disclaimer of Warranty and Limitation of Liability We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the eStatements provided to you under this Agreement. We do not and cannot warrant that eStatements will operate without error, or that eStatements will be available at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of eStatements, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty or any other legal theory.

Joint Accounts If your share account is joint with another person, one of you may consent to receive disclosure electronically and that person's election to receive eStatements shall apply to both of you. We will then send the notice regarding the availability of your eStatements to the e-mail address provided in lieu of providing a paper statement.

Our Right to Terminate You agree that we can terminate our eStatements service and revert to printed, mailed statements for any reason at any time.

Communications between Credit Union and You Unless this Agreement provides otherwise, you can communicate with us in any one of the following ways:

E-mail (regarding eStatements ONLY) at: estatements@edpluscu.com.

Telephone at 734-242-3765 or 1-800-732-1921 (Monroe) or 734-856-4029 (Lambertville)

Postal Mail at P.O. Box 1928, Monroe, MI 48161

Office at 15470 S. Telegraph/Monroe or 3558 Sterns/Lambertville or at specially designated times at our outlying locations.

Requesting a Paper Copy of a Statement Requests for paper copies of a statement may be made using the preceding contact information.

Hardware and Software Requirements To access your eStatements you will need a personal computer that has the capability of running software that can access the Internet and that can send and receive electronic mail. For accessing the Internet we recommend that you use the latest version of Netscape Navigator or Microsoft Internet Explorer. If you are reading this agreement online, you have the necessary hardware and software to access your eStatements.

To open and view eStatements or any other document sent by the Credit Union your computer system must be equipped with Adobe Acrobat software version 4.0 or higher. You may download Adobe Acrobat for free at http://www.adobe.com or by clicking on the link provided on the eStatement sign on page.

To retain a copy of your statements, you will need a printer attached to your computer capable of printing Web pages. To save your statements on your computer you can use the "Save" feature of your Internet software to save pages to your hard drive or to some other media, such as a floppy disk.

Additional Terms and Conditions of your Electronic Statement Agreement The terms and conditions of your Truth In Savings agreement for each of your Credit Union accounts as well as your other agreements with the Credit Union such as loans continue to apply notwithstanding anything to the contrary in this Agreement.

This agreement is also subject to applicable federal laws and the laws of the State of Michigan. If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect.. Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs and the Credit Union's successors and assigns. Certain of the obligations of the parties pursuant to this Agreement that by their nature would continue beyond the termination, cancellation or expiration of this Agreement shall survive termination, cancellation or expiration of this Agreement.

This Agreement will be executed electronically when you click the box indicating that you agree to its terms and is effective on that date. Please print a copy of this Agreement and save for your records. This Agreement will continue to be available online.

I accept this Agreement