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Notices & Disclosures

HBI Credit Union Notices

E-Mail Notice

The CU always wants to make sure your information is secure. Because not all e-mail is secure, when contacting the credit union by e-mail please do not include personal or confidential information (such as account numbers). Please contact the credit union by phone at (651) 642-4490. Working together we can keep your information secure today and into the future. You can also use the Secured Messaging feature within your own Online Banking account to submit questions directly to the credit union.  

Electronic Statement (E-Statement)
Agreement & Consent

Please read and retain this information for your records.

E-Statement Agreement
This agreement is between HBI Employees Credit Union (hereinafter we, us, our), and each participating member of the credit union's E-Statement program, together with any person who is authorized by a member to use or access this service (hereinafter referred together as you, your or yours).

E-Statement Access
Accessing your E-Statements confirms your understanding to be bound by all disclosures and agreements.
By accessing your online periodic statements you will be able to view your account and transaction activity for your deposit and loan accounts, electronic funds transfer transactions, periodic notice of billing error rights under Federal Regulations Z and E, and credit union newsletters and/or statement stuffers, which may contain important legal notices that could affect you.
In order to access your E-Statement online, you must have an active website account established with the credit union. Accessing your E-statements is available through the E-statement tab in the Online Banking program.
The website is generally available 24 hours a day, seven days a week; however, service may be unavailable from time to time for routine software and hardware maintenance or updates.

Access Requirements
Adobe Acrobat Reader may be required to access supporting documents or promotional materials.
If there is a change in the hardware/software requirements associated with this service, we will notify you and provide an explanation of the updated hardware/software requirements.  It is your sole responsibility to insure your personal computer and related equipment are compatible with and capable of operating in a manner that allows you to utilize the E-Statement service.  If you cannot meet the requirements for any reason, you have the right to withdraw your consent at no cost to you. Withdrawing your consent will terminate your E-Statement service.

Right To Receive Paper Statements

Once you enroll in this voluntary program, your paper statement will no longer be sent to you. Although you have elected electronic delivery, the credit union can print a paper statement for a small fee.  Please see our Fee Schedule for current charges.  To request a copy of your statement please contact the credit union at 651-642-4490.

Electronic Signature Agreement & Security
You agree that your use of a key pad, mouse or other device to select an item, button, icon or similar act/action or to otherwise provide the credit union instructions while participating in our E-Statement program or in accessing or making any transaction regarding any agreement, acknowledgement, consent terms, disclosures or conditions, constitutes your signature, acceptance and agreement as if actually signed in writing.  Further, you agree that no certification authority or other third party verification is necessary to validate your electronic signature; and that the lack of such certification or third party verification will not in any way affect the enforceability of your signature or any resulting contract between you and the credit union. You agree and acknowledge that you will keep your PIN and other security codes and identification data confidential, and you will immediately notify the credit union should you believe that your password has been lost, stolen, or that an unauthorized person has electronically accessed your accounts.

E-Mail Address Required - Notification Of Statement Availability
Your e-mail address is required to participate in our E-Statement delivery program. We will send you an e-mail notification at your last e-mail address of record when your online statement is available. You agree to accept responsibility for notifying us if your e-mail address changes. Your E-Statements will remain accessible on our website for at least six (6) months.  If we send your e-mail notification and it is returned to us as undeliverable, you will still be able to access your E-Statement from the internet site and should do so until we can resume sending you paper statements.  However, your participation in the E-statement program will be terminated and subsequent statements will be distributed to you in paper form.

You're Right To Withdraw Consent
You have the right to withdraw your consent to receive your statements in electronic form at any time. If you elect to withdraw your consent there is currently no cost to you and your participation in the program will be terminated.
To withdraw your consent you must go to the E-statement tab and then click Opt Out option. If you decide to you want to re-enroll in the E-statement program, simply visit the E-Statement tab within your Online Banking account and click the Opt In link and follow the instructions listed.
If your E-Statement cancellation request is received within five (5) business days prior to the end of the statement cycle, your current (monthly/quarterly) statement will be distributed to you in paper form.  If the cancellation request is not received within the above-mentioned time frame, your current (monthly/quarterly) statement will be distributed to you in electronic form and subsequent statements will be distributed to you in paper form.

Contractual Agreements/Modification
This electronic consent supplements and modifies other agreements that you may have with the credit union to the extent that this consent and other agreements could contain conflicting provisions.  This consent will govern the delivery of electronic disclosures and statements, but all other contractual obligations of the parties remain subject to the terms of any other agreements.
You will be required to review any account statements you receive and notify the credit union within established time periods if there are any errors on your statement.

Authorization Consent
By agreeing to the terms and conditions of this consent, you represent that you are authorized to enter into this consent for all persons who own or are authorized to access any of your accounts, and that such persons will be bound by the terms of this consent.

E-Mail Communications
You acknowledge and agree that not all e-mail is secure.  Therefore, you agree that we have no liability to you whatsoever for any loss, claim or damages arising from or to, any e-mail or other electronic communications that we have submitted to you or you to us.  We also have no duty to investigate the validity or to verify any e-mail or other electronic communications sent or received by the credit union.
Although we have no obligation to do so, we reserve the right to require authentication of e-mails or electronic communications.  The decision to require authentication is at the sole discretion of the credit union.  We will have no obligation, liability or responsibility to you or any other person or company if we do not act upon or follow any instruction to us if a communication cannot be authenticated to our satisfaction.

Governing Law
This agreement, including the validity of any signatures or consents, any claim, or disputes arising hereunder shall be construed in accordance with and governed by the laws of the State of Minnesota.