Electronic Statement Disclosure

Electronic Statement Disclosure

If you have elected to receive your monthly and/or quarterly statement(s) electronically via First Minnetonka City Bank’s Online Banking service instead of by mail, your Periodic Statements will continue to be processed on your regular statement processing day and posted online.  First Minnetonka City Bank will send you an e-mail on the business day after your statement is processed notifying you that your statement is available for viewing. You will be required to use your Online Banking Access ID, Password and Enhanced Security information to gain access to Online Banking before you can view, print, or save e-Statement account information.

By making this election You agree to be bound by all the terms and conditions of this agreement and to all rules, regulations and procedures applicable to your  deposit account(s) and any other contract for services you may have with First Minnetonka City Bank. You also agree to be bound to procedures established for this service as outlined below or as may be amended from time to time by First Minnetonka City Bank.   First Minnetonka City Bank will notify you of any changes in these procedures or any material change in hardware or software required for retrieving or storing this disclosure information.
  
Your consent authorizes First Minnetonka City Bank to electronically forward your periodic Checking and/or Savings statements and any other disclosures relating to your account(s) including such disclosures as may be required under the Truth in Lending Act, Truth in Savings Act, Electronic Funds Transfer Act, Funds Availability Act and Check Clearing for the 21st Century Act.

You understand you have the right to revoke this election and thereby withdraw consent to receive statements and disclosures electronically.  To do so you must notify bank, 30 days in advance, of this decision using one of the options below:

  • Call a Customer Service Representative at 952-935-8661 
  • Email us at: custservice@fmcbank.com
  • Write us at : Customer Service, First Minnetonka City Bank, 11500 Highway 7, Minnetonka, MN 55305

There are no fees associated with revoking this election. However, in some cases this may result in higher monthly Statement Fees for your type of account. 

You understand that you have a right to obtain a paper copy of any of the above-described disclosures, notices,  or e-statements. To obtain a paper copy, you must make a specific request to First Minnetonka City Bank at the above address. In some cases, research fees specified in the Bank’s Schedule of Fees and Charges may apply to your request pursuant to this paragraph.

You may be required to provide First Minnetonka City Bank with signed, written notice if your designated electronic mail address changes.

First Minnetonka City Bank shall not be responsible or liable for:

  • Consequential or incidental damages for negligent performance by Bank or its services.
  • Damages arising from unauthorized access to e-Statement services.
  • Any costs associated with updating, modifying or terminating your software or hardware.

First Minnetonka City Bank reserves the right to provide a paper copy, mailed to your most recent postal address as recorded on Bank’s records in lieu of any document otherwise required to be provided electronically under this service in the event services cannot be provided because of technical, legal or regulatory constraints or for any reason not under First Minnetonka City Bank’s control.

Additional Terms:
You represent and warrant to the First Minnetonka City Bank that each individual who is to have access to your accounts and information through this service is hereby authorized to access your account information. 

YOU agree that First Minnetonka City Bank’s security procedures are commercially reasonable.

Unless otherwise noted, the meaning of terms used in this agreement and in information incorporated herein shall be defined by the applicable provisions of the Minnesota Uniform Commercial Code. The laws of the State of Minnesota shall govern this Agreement and all transactions hereunder. YOU acknowledge that you have reviewed this Customer Agreement, understand the terms and conditions set forth herein, and agree to be bound hereby. 

YOUR REQUIREMENTS

To access, print, or save your electronically delivered statement you must:

Have a personal computer with Internet and Email Access.

Have an internet browser that supports 128-bit encryption. Both Internet Explorer Version 6.0 or Netscape Navigator Version 6.1 will enable you to receive and use our service. You will also need Adobe Acrobat Reader Version 5.0 or higher.  

Be an Online Banking customer of First Minnetonka City Bank.

Have a Checking or Savings account with First Minnetonka City Bank.

Have a valid email address.

Have access to a printer or storage such as a hard drive so that you can download and/or print statements and/or disclosures for your records.

PRIVACY

Our privacy policy, provided to you at account opening, will apply to this service.

SERVICE AVAILABILITY

First Minnetonka City Bank may change, suspend or eliminate all or any aspect of this delivery service upon notice to you.

ENROLLMENT

Personal Online Banking Customers (Primary Account Owners):

Log on to Online Banking, choose User Options and enroll all your accounts to receive e-Statements. 

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The Fair Housing Act prohibits discrimination in housing because of:

Mission

Enforce the Fair Housing Act and other civil rights laws to ensure the right of equal housing opportunity and free and fair housing choice without discrimination based on race, color, religion, sex, national origin, disability or family composition.

Major Goals

1. Reduce discrimination in housing by doubling the Title VIII case load by the end of 2000 through aggressive enforcement of civil rights and fair housing laws;

2. Promote geographic mobility for low-income and minority households;

3. Integrate fair housing plans into HUD's Consolidated Plans;

4. Further fair housing in other relevant programs of the Federal government; and

5. Promote substantial equivalency among state, local and community organizations involved in providing housing.