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United Bank of Union-3.24.7.4

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Permission is hereby granted, free of charge, to any person obtaining a copy of this software and associated documentation files (the Software), to deal in the Software without restriction, including without limitation the rights to use, copy, modify, merge, publish, distribute, sublicense, and/or sell copies of the Software, and to permit persons to whom the Software is furnished to do so, subject to the following conditions:
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This software consists of voluntary contributions made by many individuals. For exact contribution history, see the revision history available at https://github.com/jquery/jquery

The following license applies to all parts of this software except as documented below:
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Permission is hereby granted, free of charge, to any person obtaining a copy of this software and associated documentation files (the Software), to deal in the Software without restriction, including without limitation the rights to use, copy, modify, merge, publish, distribute, sublicense, and/or sell copies of the Software, and to permit persons to whom the Software is furnished to do so, subject to the following conditions:
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I consent to receive the new account disclosures and statements electronically.

Electronic Delivery Agreement

General

Federal law requires that we obtain your consent before providing communication electronically. By accepting this Agreement, you have elected to receive communication by electronic delivery, subject to the Federal Electronic Signatures in Global and National Commerce Act, and that you and United Bank of Union both intend that the Act applies to the fullest extent possible to validate our ability to conduct business with you by electronic means. It is recommended that you read this carefully and save for future reference.

As used in this Agreement, “communication” means any periodic statement, billing statement, authorization, agreement, disclosure, notice, or other information related to your Account including, but not limited to, information that we are required by law to provide you in writing. All communication shall be in full compliance with applicable laws and regulations. Within this Agreement, the terms 'you', 'your', and “customer” refer to each person on an account who has elected to receive electronic communication. The term “we,” “us,” and “our” refer to United Bank of Union. The term “account” or “accounts” means your accounts at United Bank of Union.

In some cases, we must continue to mail paper statements, legal notices, and disclosures even if you elect to receive them electronically. Upon your request, we can make available a paper copy of any communication.

Changes in Terms of Use

We reserve the right to modify this Agreement at any time. Any modifications to this service shall be effective the date provided within the notification posted on our website. We will notify you of any amendments to this Agreement by providing notice to you via your email address or our website. United Bank of Union has the right to rescind this Agreement at any time and for any reason without advance notice.

System and Hardware Requirements

To access, view, and retain electronic records and communications that we make available to you, you must have:
• A connection to the internet,
• An up-to-date internet browser and mobile device operating system,
• An active email address,
• A login for United Bank of Union’s Digital Banking,
• A program that accurately reads and displays PDF files (such as Adobe® Acrobat® Reader), and
• Sufficient electronic storage capacity to retain communications or access to a printer.

We will communicate any changes of these requirements. If a change in these requirements create a material risk that you will not be able to access or retain electronic records, we will require your consent to electronic delivery once again. You will also be given the right to withdraw consent at that time.

Accessing Electronic Documents

We will use the email address provided by you to send an email notifying you of the availability of your Documents, such as your Electronic Statements (eStatements) and Electronic Notices. You may then log in to your Digital Banking service at www.ubu.bank or through the United Bank of Union’s Mobile App. Your Documents may be viewed by:
1. Clicking on Menu
2. Clicking on Services
3. Clicking on eStatements Library
4. Selecting the account and month of statement

If you request that we mail a paper copy of a statement, normal research fees may apply. You may change your method of delivery for each account under the Statement Preferences section within Digital Banking. If you change your statement delivery preference from electronic to paper, we will retain your consent to electronic delivery, and you will not be required to re-enroll. (Paper statement fees may apply for certain deposit accounts. Please refer to your Truth in Savings disclosures and our Schedule of Fees.)

Accessing Other Communication

We will use the email address provided by you to send an email notifying you of any communications sent securely through Digital Banking. You may then log in to Digital Banking on our website, or through the United Bank of Union Mobile App. Your communication may be viewed by:
1. Clicking on Menu
2. Clicking on Messages
3. Clicking on an unread message.

Customer Responsibilities

You are responsible for accessing, opening, and reading your electronic communication at your earliest convenience. These documents contain important and legally binding information and/or disclosures. You are responsible for promptly notifying us if any documents are incomplete, unreadable, or inaccessible. You agree to immediately notify us of any changes to your email address.
You understand that you have a duty to exercise reasonable promptness in examining your statements for accuracy. The statute of limitations governing these responsibilities will commence at the time we send you the email notification that your statement is available. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.

Liability

We do not guarantee the delivery of any email notification, nor liability for losses or damages arising from non-delivery, delayed, or missed delivery. Factors affecting these email notifications are solely between you and a Third Party that you designate, such as an Internet Service Provider and Phone company. We make no representations or warranties whatsoever with regard to third party service providers’ products or services. Likewise, we make no warranty of any kind, expressed or implied, that our electronic delivery will be uninterrupted or error free. We do not and cannot warrant that United Bank of Union will operate without error, or that documents will always be available. You agree that neither we, nor our suppliers, directors, officers, or employees, be held liable for any technical, hardware or software failure of any kind, and any interruption in the availability of our service, or delay in operation or transmission.

Equipment Failure

In the event of equipment failure or email delivery error, you may request a paper copy of your statement at no charge. If your email is returned undeliverable for any reason, we will attempt to call you to update our records. If we cannot reach you, we will reinstate paper delivery of your statement. (Paper statement fees may apply for certain deposit accounts. Please refer to your Truth in Savings disclosures and our Schedule of Fees.)

Withdrawal of Consent

You may contact us or visit us at any one of our locations if you wish to withdraw your consent to electronic delivery. Please allow 30 calendar days from the date of notification to implement your request. (By discontinuing eStatements, you may be subject to paper statement fees for certain deposit accounts. Please refer to your Truth in Savings disclosures and our Schedule of Fees.)

Termination

Termination of this agreement will result in paper statements and communications being mailed to the address we have on file beginning with the next statement cycle, and your electronic notifications will be discontinued. The enrollment process must be completed again to reinstate electronic delivery.

Contact Us

You may visit us at any of our branch locations, or by:
Phone: (636) 583-2555
Fax: (636) 583-0932
Email: operations@ubu.bank
Mail: United Bank of Union
Operations Department
P.O. Box 500
Union, MO 63084

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Note: This information is also in the email message we sent if you need to review it later.

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What you need to know about Overdrafts and Overdraft Fees.

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

1. We have standard overdraft practices that are available after your account has been open for 30 days and as long as you maintain your account in good standing.

2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the Standard Overdraft Practices that come with your account.

After your account has been open for 30 days and as long as you maintain your account in good standing, we do authorize and pay overdrafts for the following types of transactions:

(i) checks and other transactions made using your checking account number,

(ii) automatic bill payments.

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to:

(i) ATM transactions, or

(ii) Everyday debit card transactions.

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined or returned.

What fees will I be charged if United Bank pays my overdraft?

Under our standard overdraft practices:

-We may charge you a fee up to $35 each time we pay an overdraft.

-There is a daily limit of $245 on the total fees we can charge you for overdrawing your account.

What if I want United Bank of Union to authorize and pay overdrafts on any ATM and everyday debit card transactions.

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions (will start after your account has been open for 30 days), check the box next to “I opt into the optional Overdraft Service for Everyday Debit Card Transactions.” You understand that your ATM transfers, withdrawals, and debit card purchases may be paid up to your Overdraft Protection limit if there are not enough funds in your account, and that there may be a fee up to $35 for each transaction paid. If you do not opt in now, you can always opt in later by calling us at 636-583-2555 or visiting one of our locations.

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Please allow up to three business days for funds to be available in your new account.

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By selecting One Time Authorization, I authorize an ACH debit to my checking or savings account, for the amount noted in this web form, to fund my new bank account(s). I certify that the account to be debited via ACH is titled under my name and that I have signatory rights on said account. I understand that because this is an electronic transaction, these funds may be withdrawn from my account as soon as today. I further understand that due to the expeditious nature of this transaction, I will not be able to revoke this authorization.

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By selecting the submit button, I authorize a charge to my credit/debit card, for the amount noted in this web form, to fund my new account(s) and I understand a cash advance fee might be charged by the financial institution that issued my card.

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Thank You for Applying. Unfortunately, your application could not be processed online. To complete your application, someone will contact you soon or you may call us at your convenience at 636-583-2555.

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Electronic Delivery Agreement

General

Changes in Terms of Use

System and Hardware Requirements

Accessing Electronic Documents

Accessing Other Communication

Customer Responsibilities

Liability

Equipment Failure

Withdrawal of Consent

Termination

Contact Us

Welcome

Select State

Verify Identity

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