eStatements

Farmers Insurance Federal Credit Union 
         
By submitting the FARMERS INSURANCE FEDERAL CREDIT UNION’S eStatements Enrollment Form, you are authorizing Farmers Insurance Federal Credit Union to deliver your statement of account(s) and disclosures by electronic means. You agree that electronic availability will satisfy Farmers Insurance Federal Credit Union’s requirement to provide you a periodic statement of your account(s).

This Disclosure and Agreement establishes the rules and requirements regarding Farmers Insurance Federal Credit Union’s eStatements service. By utilizing the service, you agree to the terms and conditions of the Disclosure and Agreement. Read this document carefully. You can print a copy for your files or to receive a paper disclosure, please contact us by telephone or mail as shown below.

TERMS USED: “We,” “our,” “us,” “FIGFCU,” and “Credit Union” shall mean Farmers Insurance Federal Credit Union. “eStatements” shall mean Electronic Statements. “You” and “Your” shall refer to the Credit Union member, joint owner, or anyone authorized by the member to use the account.

GOVERNING DOCUMENTS: Your use of the eStatements service is governed by this Disclosure and Agreement and any other agreements you have with us concerning your activities with the Credit Union. These other agreements are not changed by your use of eStatements.

eSTATEMENTS SERVICE: This service provides you with convenient, paperless access to your monthly account statements. Your eStatements will contain all of the same information as paper statements, and you will have the same opportunities to contact us about any questions or disputes.

For inquiries and additional information about an item on your eStatements, please contact us at:

Farmers Insurance Federal Credit Union
2255 N. Ontario Street Suite 320 Burbank, CA 91504
Attention: Electronic Services
or telephone eServices at 800.877.2345.

ACCESS TO eSTATEMENTS AND REQUIREMENTS:

Online Banking Access – eStatements are accessed via the Credit Union's Online Banking service. You must have access to Online Banking and a valid password in order to retrieve your eStatements.
A valid Email address – You must have an active, valid Email address on file with the Credit Union. If at anytime your Email address changes, you must notify the Credit Union immediately via Online Banking, or by contacting the Electronic Services department at 800.877.2345.
It is your responsibility to notify the Credit Union anytime you should have a change in your Email address, or if you wish to remove any account from electronic delivery. You may change your Email address via Online Banking or by written and signed request sent to: Farmers Insurance Federal Credit Union, 2255 N. Ontario Street Suite 320 Burbank, CA 91504; or by calling us at 800.877.2345.
In order to access eStatements you will need Internet access and Adobe Acrobat Reader 4.05 or greater to view your statement. If you do not have Acrobat Reader, click here to download it for free. (http://www.adobe.com/go/EN_US-H- GET-READER)
Browser recommendations: Netscape Communicator 4.7x or above (128-bit encrypted), Microsoft Internet Explorer 4.01 or above (128-bit encrypted), America Online 32 bit encrypted version 4.0 or above
If you use Microsoft Internet Explorer for your browser, you will need the following setting enabled to view your statement: In the browser, go into ‘Tools’ from the menu bar; - Choose ‘Internet Options’ – Choose ‘Advanced’ – Scroll down to ‘Security’ – Place a check mark in the box for ‘Do not save encrypted files to disk’, – Choose ‘Apply’.
You may request a paper copy of any Account Statement or other information received electronically under this Agreement by notifying us. All requests must include the applicable account number(s) and specific period(s) for which the statement is requested. Please refer to our fee schedule for applicable fees. eSTATEMENTS ACKNOWLEDGEMENT: In order to sign-up for eStatements, you must agree to this Disclosure and Agreement. By agreeing to this document you elect and authorize the Credit Union to begin electronic delivery of your account statements and marketing material, as well as notices we are required to provide under applicable Federal and State statutes. If you have more than one FIGFCU membership account, you need to submit a request for each account. By accepting eStatements, you understand that it is your responsibility to maintain proper equipment and software to view your eStatements. Each document, which may be presented to you electronically under this Agreement, may be printed, if you have a printer available, or saved and retained for your electronic records. You may not consent to receive your account statements electronically under this Agreement if you do not have the capacity to print or retain the documents. The Credit Union strongly advises that you save your statement in PDF format to your personal computer or print out a copy of your statement (and check images if this applies). The Credit Union keeps a 12-month rolling history of your statements online.
eSTATEMENTS ACTIVATION: Once you have agreed to this document, your eStatements will be automatically activated. You will then be sent an Email announcement when your next eStatement is available. If you change your Email address, you agree to update your Email address under the User Options feature within Account Access. Failure to do so may adversely affect eStatement notifications that are sent to you via Email.

VISA CREDIT CARD eSTATEMENTS: If you signup for eStatements and have a Credit Union Credit Card, you may also elect to receive your monthly credit card statements via eStatements. You will receive a separate Email announcement when your Credit Card eStatement is available. Your Credit Card eStatements will contain all of the same information as paper statements, and you will have the same opportunities to contact us about any questions or disputes. You need to make this election separately from your monthly account summary statement.

RETAINING eSTATEMENTS: Your eStatements will be available via Online Banking for a rolling period of thirty six (36) months from the date of posting. You agree to download and print or otherwise save and store your eStatements and any disclosures for future reference.

YOUR RIGHT TO TERMINATE: You may cancel your eStatements at any time online by selecting the “Paper Statements” option on your eStatements summary page, by submitting a request in writing, or by contacting us at 800.877.2345 for further instructions. Your request will take no longer than thirty (30) days to become effective from the date the Credit Union receives the request. If you cancel eStatements, the Credit Union will resume sending your statement via regular mail.

OUR RIGHT TO TERMINATE: You agree that the Credit Union can terminate eStatements and provide you with mailed statements for any reason at any time.

OUR RIGHT TO CHANGE: You agree that the Credit Union can amend, supplement, change or discontinue any of these terms and disclosures at any time by posting the same documents in this location. If you continue to use this service after any such change, you are considered as agreeing to the change. If you do not agree to the change, you must terminate as set forth above.

LIMITED LIABILITY FOR FAILURE TO PROVIDE eSTATEMENT NOTIFICATION: The Credit Union will not assume liability for non-receipt of notification of statement availability including but not limited to the following:

The Email address on file is invalid. If your Email notification returns as non-deliverable, you will be required to update your enrollment information and recertify acceptance of the terms of this disclosure.
Your Email or Internet Service Provider filters the notification from your Inbox (e.g. considers it “spam” or “junk mail”).
Circumstances beyond our control (such as fire, flood, earthquake, electrical failure, or malfunction of central data processing facility, etc.) prevent the notification, despite reasonable precautions that we have taken.
There is a malfunction in your personal computer browser and/or software.
You must be an Online Banking user in order to receive notifications and access eStatements. By selecting “I Agree” you are consenting to receive your account statements in electronic form rather than printed format. Your eStatements will contain the same content as the paper version supplied by the Credit Union which includes: account balances, transaction activity, electronic fund transfer information, year-to-date interest, and error notification procedures. The statement delivery option (paper or eStatement) will depend on your Online Banking status that is recorded on our system on the last day of the month and/or the close of the billing cycle, and this will be the only method used to deliver that month’s statement.

Copyright ©2020 Farmers Insurance Group Federal Credit Union                                                                 080719

Farmers Insurance Federal Credit Union 
MasterCard/Visa eStatements
Disclosures and Agreement

By submitting the FARMERS INSURANCE FEDERAL CREDIT UNION MasterCard/Visa MasterCard/Visa eStatement Enrollment Form, you are authorizing Farmers Insurance Federal Credit Union to deliver your credit card statements of account(s) and disclosures by electronic means. You agree that electronic availability will satisfy Farmers Insurance Federal Credit Union's requirement to provide you a periodic statement of your account(s).

This Disclosure and Agreement establishes the rules and requirements regarding Farmers Insurance Federal Credit Union's MasterCard/Visa eStatement service. By utilizing the service, you agree to the terms and conditions of the Disclosure and Agreement. Read this document carefully. You can print a copy for your files or to receive a paper disclosure, please contact us by telephone or mail as shown below.

TERMS USED: "We," "our," "us," and "Credit Union" shall mean Farmers Insurance Federal Credit Union. "MasterCard/Visa eStatements" shall mean Electronic Statements. "You" and "Your" shall refer to the Credit Union member, joint owner, or anyone authorized by the member to use the account.

GOVERNING DOCUMENTS: Your use of the MasterCard/Visa eStatement service is governed by this Disclosure and Agreement and any other agreements you have with us concerning your activities with the Credit Union. These other agreements are not changed by your use of MasterCard/Visa eStatements.

MASTERCARD/VISA E-STATEMENT SERVICE: This service provides you with convenient, paperless access to your periodic account statements. Your MasterCard/Visa eStatements will contain all of the same information as paper statements and you will have the same opportunities to contact us about any questions or disputes.

For inquiries and additional information about an item on your MasterCard/Visa eStatement, please contact us at:
Farmers Insurance Federal Credit Union
PO Box 36911
Los Angeles, CA 90010-0911
Attention: Card Services
or call Card Services at (800) 877-2345

ACCESS TO MASTERCARD/VISA E-STATEMENTS AND REQUIREMENTS:

1. Online Banking Access - MasterCard/Visa eStatements are accessed via Farmers Insurance Federal Credit Union's Online Banking service. You must have access to Online Banking and a valid password in order to retrieve your MasterCard/Visa eStatements.
2. A valid email address - You must have an active, valid email address on file with the Credit Union. If at anytime your email address changes, you must notify the Credit Union immediately via Online Banking, or by contacting the Electronic Services department at (800) 877-2345.
3. It is your responsibility to notify FARMERS INSURANCE FEDERAL CREDIT UNION anytime you should have a change in your e-mail address, or if you wish to remove any account from electronic delivery. You may change your e-mail address on the web site or by a written and signed request sent to: Farmers Insurance Federal Credit Union, 2255 N. Ontario Street Suite 320 Burbank, CA 91504; or by calling us at (800) 877-2345.
4. Browser versions prior to Netscape 4.7 and Internet Explorer 5.5 are not supported by this site. Online Banking requires a 128 bit encryption.
5. You may request a paper copy of any Account Statement or other information received electronically under this Agreement by notifying us. All requests must include the applicable account number(s) and specific period(s) for which the statement is requested. Please refer to our fee schedule for applicable fees.

MASTERCARD/VISA E-STATEMENT ACKNOWLEDGEMENT: In order to signup for the MasterCard/Visa eStatement service you must agree to this Disclosure and Agreement. By agreeing to this document you elect and authorize the Credit Union to begin electronic delivery of your account statements and marketing material, as well as notices we are required to provide under applicable Federal and State statutes. If you have more than one FARMERS INSURANCE  FEDERAL CREDIT UNION MasterCard and/or Visa account, you need to submit a request for each separate account. By accepting MasterCard/Visa eStatements, you understand that it is your responsibility to maintain proper equipment and software to view your MasterCard/Visa eStatements. Each document, which may be presented to you electronically under this Agreement, may be printed, if you have a printer available, or saved and retained for your electronic records. You may not consent to receive your account statements electronically under this Agreement if you do not have the capacity to print or retain the documents. The Credit Union strongly advises that you save your statement in PDF format to your personal computer or print out a copy of your statement (and check images if this applies). The Credit Union only keeps a 36 month rolling history of your statements online. You may not consent to receive your account statements electronically under this Agreement if you do not have the capacity to print or retain the documents. The Credit Union strongly advises that you save your statement in PDF format to your personal computer or print out a copy of your statement (and check images if this applies). The Credit Union only keeps a 36 month rolling history of your statements online.

MASTERCARD/VISA E-STATEMENT ACTIVATION: Once you have agreed to this document, your MasterCard/Visa eStatement service will be automatically activated. You will then be sent an email announcement when your next periodic MasterCard/Visa eStatement is available. If you change your e-mail address, you agree to update your e-mail address in Online Banking. Failure to do so may adversely affect MasterCard/Visa eStatement notifications that are sent to you via e-mail, and may require reenrollment for this service.

MASTERCARD or VISA CREDIT CARD Payments: If you sign up for MasterCard/Visa eStatements the Credit Union will not be providing a payment coupon. Payments can be made via electronic payment by using Online Banking, Fonline, automatic payment transfer, and Electronic Bill Pay. Payments may also be made at your local Service Center or Credit Union Office.

RETAINING eSTATEMENTS: Your eStatements will be available via Online Banking for a period of 36 months from the date of posting. You agree to download and print or otherwise save and store your eStatements and any disclosures for future reference.

RETAINING MASTERCARD/VISA E-STATEMENTS: Your MasterCard/Visa eStatements will be available via Online Banking for a period of twelve (12) months from the date of posting. You agree to download and print or otherwise save and store your MasterCard/Visa eStatements and any disclosures for future reference. Your MasterCard/Visa eStatements will contain all of the same information as paper statements, and you will have the same opportunities to contact us about any questions or disputes.

YOUR RIGHT TO TERMINATE: You may cancel your MasterCard/Visa eStatement service at any time online by selecting the "Paper Statements" option on your MasterCard/Visa eStatements summary page, by submitting a request in writing, or by contacting us at (310) 381-2300 or (877) 254-9328, option 4 and speaking with a Call Center Representative. Your request will take no longer than thirty (30) days to become effective from the date the Credit Union receives the request. If you cancel MasterCard/Visa eStatements, the Credit Union will resume sending your Credit Card statement via regular mail.

OUR RIGHT TO TERMINATE: You agree that the Credit Union can terminate the MasterCard/Visa eStatement service and provide you with mailed statements for any reason at any time.

OUR RIGHT TO CHANGE: You agree that the Credit Union can amend, supplement, change or discontinue any of these terms and disclosures at any time by posting the same documents in this location. If you continue to use this service after any such change, you are considered as agreeing to the change. If you do not agree to the change, you must terminate as set forth above. 

LIMITED LIABILITY FOR FAILURE TO PROVIDE MASTERCARD/VISA E-STATEMENT NOTIFICATION: The Credit Union will not assume liability for non-receipt of notification of statement availability including but not limited to the following:

1. The email address on file is invalid. If your e-mail notification returns as non-deliverable, you will be required to update your enrollment information and recertify acceptance of the terms of this disclosure.
2. Your email or Internet Service Provider filters the notification from your Inbox (e.g. considers it "spam" or "junk mail").
3. Circumstances beyond our control (such as fire, flood, earthquake, electrical failure, or malfunction of central data processing facility, etc.) prevent the notification, despite reasonable precautions that we have taken.
4. There is a malfunction in your personal computer browser and/or software.

You must be a Online Banking user in order to receive notification and access MasterCard/Visa eStatements. By selecting "I Agree" you are consenting to receive your account statements in an electronic format rather than a printed format. Your MasterCard/Visa eStatements will contain the same content as the paper version supplied by the Credit Union which includes: account balances, transaction activity, electronic funds transfer information, year-to-date finance charges, and error notification procedures. The statement delivery option (paper or MasterCard/Visa eStatement) will depend on your Online Banking status that is recorded on our system on the last day of the monthly billing period, and this will be the only method used to deliver that billing period's statement.