To sign up for E-statements, please read the following E-statements Agreement below and complete and sign the attached enrollment form.
This agreement governs the electronic receipt of your periodic account statements and account Disclosures/Notices you receive electronically.
As used in this document, the words, “we”, “our”, “us”, and “Bank” mean Kirkwood Bank & Trust. The words “you” and “your” mean each account owner(s) or authorized signer(s). “Account(s)” means your checking account or savings account at Kirkwood Bank & Trust.
Consent to Electronic Delivery of Statements and Disclosures/Notices
By accepting this Agreement, you direct Kirkwood Bank & Trust to provide periodic account statements and Disclosures/Notices related to your checking and/or savings account(s) by means of electronic mail as an alternative to statements in paper form. Your consent applies to electronic periodic statements as well as required Disclosures/Notices that may be presented electronically now and in the future; this may include, but is not limited to, your periodic account statement, regulatory disclosures regarding your account that are required to be provided after account opening, notices regarding changes to your account or amendments to any agreements and/or disclosures governing your account, and our annual privacy notice.
If your account is owned jointly with another person, either account owner may consent to receive or cancel E-statements and electronic Disclosures/Notices. Such consent shall apply to all owners. A notification email to one owner of a joint account is considered notice to all owners.
Your Right to Withdraw Consent
You have the right to withdraw your consent for electronic delivery of periodic statements and Disclosures/Notices. You may withdraw your consent by contacting us by using one of the methods listed in the “Contact Us” section of this Agreement. You will begin receiving paper statements and Disclosures/Notices in the mail with your next statement cycle. The cancellation of E-statements in no way affects the validity or legal effect of all E-statements and disclosures which have been previously delivered electronically under the E-statements Service. There is no fee to withdraw your consent and resume paper statements and Disclosures/Notices.
The services described in this Agreement will be available to you only as long as you maintain your account(s) with us. Your final statement will be mailed to you via U.S. Mail.
Obtaining Paper Copy of Statement
You may request a paper copy of your statement by contacting Kirkwood Bank & Trust using one of the methods listed in the “Contact Us” section of this Agreement. We will provide the statement or Disclosure/Notice to you via U.S. Mail using the address in our records. There may be a fee for providing a paper copy to you as indicated on our Fee Schedule.
You agree to notify us immediately of any change in your email address using one of the methods listed in the “Contact Us” section of this Agreement. Notification of an email address change should be received at least 10 business days prior to the end of your scheduled cycle date. If KB&T receives notification that electronic delivery is not possible due to an incorrect or closed email address, we may elect, at our discretion, to choose to revert your account(s) to standard delivery via U.S. Mail without additional notification.
In order to receive E-statements and Disclosures/Notices, you will need a personal computer with Internet access, Adobe Acrobat, and email capability. An Internet browser that supports 128-bit encryption is recommended. Current anti-virus and malware programs are also recommended.
We may terminate your access to E-statements and Disclosures/Notices to protect either of us. You are responsible for maintaining the confidentiality of your account and Passwords and restricting access to your computer and devices. You agree to notify us promptly of any unauthorized use of your Password or breach of security
Error Resolution - Personal Accounts Only
You understand the importance of your role in preventing misuse of your account(s). You agree to promptly examine your statement and notify KB&T immediately of any errors on your account(s). We must hear from you no later than 60 days after we sent the first statement on which the problem appears. The statement date will be considered the date the email notification is sent (the email date). You may contact us using one of the methods listed in the “Contact Us” section of this Agreement.
Change in Terms
Kirkwood Bank & Trust reserves the right to make changes and/or amendments to the terms and conditions of this agreement at any time. You will be notified of any changes at least 30 days prior to the effective date if the change(s) would result in an increase in fees or charges, increase of liability to you, or any increase in your responsibility for unauthorized transactions, unless prior notice is excused by law or is necessary to maintain the security of the system.
Kirkwood Bank & Trust strives to provide excellent customer service. We will use our best efforts to deliver your E-statement and Disclosures/Notices in a timely manner and in accordance with any applicable requirements by law. KB&T shall not be liable if you are unable to access your E-statement and Disclosures/Notices due to system maintenance, computer failure, interruption in service, delay in operation or transmission, fire, flood, Acts of God, legal restrictions, or other unforeseen events. You agree that KB&T will not be held liable for losses or damages arising from non-delivery, delayed delivery, miss-delivery of email notifications or for circumstances beyond our control. We make no warranties or representations to the third party service provider used to access your email notifications or E-statements.
You may contact us by using one of the following options:
- Call us at: 800.492.4955 or 701.258.6550
- Write us at: Kirkwood Bank & Trust, ATTN: Bookkeeping PO Box 6089, Bismarck, ND 58506-6089
- Electronically using the “Contact Us” form on our website.
- In person at any of our Kirkwood Bank & Trust locations.
Enrolling in E-statements
To enroll an account(s), complete the following procedures:
- Complete and sign the E-statement Enrollment Form.
- Return the Enrollment Form to one of our KB&T locations or submit it to us electronically. If we receive the Enrollment Form via mail or electronically, we will contact you at the listed number in our records to confirm you have requested this service.
- You will receive an email from KB&T to confirm your email address.
- Reply to the email which is confirming you are able to send and receive mail at the email address you provided to KB&T.
Receiving Monthly E-statements and Disclosures/Notices
You will receive an email from KB&T with a Password protected attachment which contains your statement and any Disclosures/Notices. E-statements are generated on the 15th of each month for Personal Accounts, and the last day of the month for Business Accounts. If either falls on a weekend or holiday, the statement will be generated the previous workday.
- Open the attachment(s). You will be asked for a Password.
- Use the Password you provided on the enrollment form to open your E-statement. There are no minimum requirements for the Password but it is recommended that your Password be 8-12 characters in length and includes upper and lower case letters, numbers, and special characters. It is also recommended that this Password is different from all your other Passwords and only used for E-statements.
- You may print or download your E-statements and any Disclosures/Notices.