In this E-SIGN Disclosure and Consent Agreement (“E-Sign Consent”):
“Account” or “Accounts” is each account, now or in the future, that you hold with us, are authorized to administer or for which you are designated as authorized signer, or a trust or other fiduciary account in which you have an interest that gives you legal authority to receive information or which is subject to the provision of a Service by us.
“Communication” is defined in Section 1 below.
“Electronic Delivery” is the act of delivering Communications using electrical, digital, magnetic, wireless, optical, electromagnetic, or similar electronic means as set forth in Section 2 below, including through our websites or mobile applications.
“Service” is any product or service that we offer for which Communications are required or permitted to be delivered.
“We,” “us,” “our,” “PFCU” refer to Pathfinder Federal Credit Union that provides you one or more Accounts or Services and such credit union’s affiliates and subsidiaries or our agents, assignees or service providers.
We are required by law, regulation or agreement to give you certain information “in writing.” With your consent, we can provide this information to you by Electronic Delivery. We also need your general consent to use electronic records and signatures in our relationship with you.
You agree that for all Communications for all Accounts and Services we may (i) use Electronic Delivery and, at our discretion, terminate paper delivery of Communications to you and (ii) use and obtain electronic signatures from you in each case unless and until you withdraw your consent to this E-Sign Consent as described in Section 4 below. This E-Sign Consent applies to all Communications for all Accounts and Services, except to the extent it conflicts with the terms and conditions of a separate electronic disclosure and consent with respect to such Accounts and Services.
“Communications” include, but are not limited to, the following:
authorizations, updates, notices, responses to claims, transaction history, Individual Retirement Account (IRA) and Employee Retirement Income Security Act (ERISA) information (including but not limited to notices, plan documents, amendments, account opening, verification, maintenance notices, and other such information);
• Any other document or other information required to be provided “in writing” or that we otherwise provide to you, or that you sign or submit or agree to at our request, in connection with your relationship with us.
All Communications (including alerts that Communications have been provided or posted) that we provide to you electronically will be provided by one or more of the following methods:
Communications delivered by e-mail will be sent to your e-mail address reflected in our records. You represent that any e-mail address you provide to us for Electronic Delivery purposes belongs to you or to a person who has authority to act for the Account or Service or, where relevant, to make transactions against the Account.
You should print, download or otherwise retain a copy of this E-Sign Consent and all other Communications provided by Electronic Delivery.
In order to access, view, and retain electronic Communications, you must have:
If our hardware or software requirements change, and that change would create a material risk that you would not be able to access or retain electronic Communications, we will give you notice of the revised hardware or software requirements. Continuing to use this service after receiving notice of the change is reaffirmation of your consent.
Withdrawal of consent for certain Communications may result in a fee or change in fee for some Accounts. Please refer to your account agreement for additional information. We will not impose any fee to process the withdrawal of your consent to receive Communications by Electronic Delivery. However, your access and use of the Services or certain features of Accounts and Services may be terminated. Any withdrawal of your consent to receive Communications by Electronic Delivery will be effective only after we have a reasonable period of time to process your withdrawal.
At our option, we may treat the provision of an invalid e-mail address, or the subsequent malfunction of a previously valid e-mail address, as a withdrawal of your consent to receive Communications by Electronic Delivery.
A withdrawal of consent does not apply to a tax document that was provided electronically before the date on which the withdrawal of consent takes effect. However, after withdrawal of consent, to
the extent that we are required to provide additional tax documents to you, we will provide them on paper.
To withdraw your consent:
Call us at 307-234-4271
Write us at: Pathfinder FCU, 400 E 1st Street, Suite 100, Casper, WY 82609
Email us at “info@pathfinderfcu.com”
Tell us your name and the description of your request.
It is your responsibility to provide us with true, accurate and complete e-mail address, mobile telephone numbers (if provided), and other information related to this E-Sign Consent and your Accounts, and to maintain and promptly update any changes to this information.
You can update your records through the methods described below:
Call us at 307-234-4271
Write us at: Pathfinder FCU, 400 E 1st Street, Suite 100, Casper, WY 82609
Email us at “info@pathfinderfcu.com”
You should not expect to receive a paper copy of any Communications unless you request it. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the Communication to you by Electronic Delivery. We may charge you a reasonable service charge, with prior notice of any such charge, for the delivery of paper copies of any Communication provided to you electronically pursuant to this E-Sign Consent.
To request paper copies of electronic Communications:
Call us at 307-234-4271
Write us at: Pathfinder FCU, 400 E 1st Street, Suite 100, Casper, WY 82609
Email us at “info@pathfinderfcu.com”
Each Account owner may provide an email address for the Account in connection with each owner’s consent to receive electronic Communications. Only one account owner’s authorization is required to enroll in Electronic Delivery for Communications and to manage preferences for any category of Communications including Account statements.
For purposes of electronic notification for paperless statements and other Communications on a joint or multiple owner Account, you agree that electronic notifications for such Communications delivered to the email address of the Account owner who enrolls in Electronic Delivery for such Communications will constitute delivery to all Account owners, even if all Account owners may not have access to such email address.
If you have designated one or more interested parties to receive paper copies of certain Communications, they will continue to receive copies of such Communications via U.S. mail.
In the case of an Account with multiple authorized persons, in circumstances in which we can only act on the electronic instruction of a single person, including, without limitation, elections for corporate actions, we may, at our sole discretion, act upon the electronic instruction of any authorized person without the consent of the other authorized persons or accountholders. Additionally, in the case of an Account with multiple authorized persons, we may, in our sole discretion, deliver Communications by paper to all accountholders or authorized persons, if not all accountholders or authorized persons have consented to this E-Sign Consent.
Each Account owner may provide an email address for the Account in connection with each owner’s consent to receive electronic Communications. Only one account owner’s authorization is required to enroll in Electronic Delivery for Communications and to manage preferences for any category of Communications including Account statements.
For purposes of electronic notification for paperless statements and other Communications on a joint or multiple owner Account, you agree that electronic notifications for such Communications delivered to the email address of the Account owner who enrolls in Electronic Delivery for such Communications will constitute delivery to all Account owners, even if all Account owners may not have access to such email address.
If you have designated one or more interested parties to receive paper copies of certain Communications, they will continue to receive copies of such Communications via U.S. mail.
In the case of an Account with multiple authorized persons, in circumstances in which we can only act on the electronic instruction of a single person, including, without limitation, elections for corporate actions, we may, at our sole discretion, act upon the electronic instruction of any authorized person without the consent of the other authorized persons or accountholders. Additionally, in the case of an Account with multiple authorized persons, we may, in our sole discretion, deliver Communications by paper to all accountholders or authorized persons, if not all accountholders or authorized persons have consented to this E-Sign Consent.
You acknowledge and agree that your consent to this E-Sign Consent is provided in connection with a transaction affecting interstate commerce, that it is subject to the federal Electronic Signatures in Global and National Commerce Act (the “E-SIGN Act”), and that you and we both intend that the E SIGN Act apply to the fullest extent permitted by law.
We reserve the right, in our sole discretion, to discontinue providing you with electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.
By consenting to this E-Sign Consent, you agree to the following statements:
• I agree any applicable time periods within which I must notify PFCU of any errors on my account statement(s) shall begin on the day it is made available to me, regardless of when I receive and/or open the document.
Call 1-800-472-3272 after hours to report lost/stolen DEBIT card.
Call 1-800-247-4222 after hours to report lost/stolen CREDIT card.
Your Overdraft Options
Routing #302386477
Toll-Free #800-525-5427
Address: 400 E 1st St #100, Casper, WY 82601
Phone: 307-234-4271
400 N 6th Street
Greybull, WY 82426
109 N Clark St
Powell, WY 82435