Electronic Signature & Consent

Electronic Signature & Consent

This E-Sign Disclosure and Consent (“Disclosure”), applies to all Communications for those products and services offered through the Customers Bank website that are not otherwise governed by the terms and conditions of an electronic disclosure and consent.

The words “we“, “us“, and “our” refer to Customers Bank with whom you may have an Account. As used in this Disclosure, “Account” means the account you have with us. “Communication” means any customer agreements or amendments thereto, disclosures, notices, responses to claims, transaction history, privacy policies and all other information related to the product or service, including but not limited to information that we are required by law to provide to you in writing.

  1. Scope of Communications to Be Provided in Electronic Form: When you use a product or service to which this Disclosure applies, you agree that we may provide you with any Communications in electronic format and that we may discontinue sending paper Communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and transactions includes, but is not limited to:

    • All legal and regulatory disclosures and communications associated with the product or service available through the Customers Bank website for your Account.
    • Notices or disclosures about a change in the terms of your Account or associated payment feature and responses to claims.
    • Privacy policies and notices.
  2. Method of Providing Communications to You in Electronic Form: All Communications that we provide to you in electronic form will be provided either (1) via email, (2) by access to a website that we will designate in an email notice we send to you at the time the information is available, or (3) to the extent permissible by law, by access to a website that we will generally designate in advance for such purpose.

  3. How to Withdraw Consent: You may withdraw your consent to receive Communications in electronic form by contacting us at 855-398-8159. At our option, we may treat your provision of an invalid email address, or the subsequent malfunction of a previously valid email address, as a withdrawal of your consent to receive electronic Communications. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications; however your access and use of the Customers Bank website and Account will be terminated. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.

  4. How to Update Your Records: It is your responsibility to provide us with true, accurate and complete email address, contact and other information related to this Disclosure and your Accounts and to maintain and update promptly any changes in this information. You can update information (such as your email address) through the Customers Bank website.

  5. Hardware and Software Requirements: For your security and convenience, we have optimized our products to be compatible with the latest devices and operating systems. The following are the minimum system requirements for you to access, view, and retain Communications that we make available to you. To utilize the services, you must have:

    • a valid email address
    • internet access (cable modem, DSL, a data plan by your wireless carrier, etc.)
    • a current version of a program that accurately reads and displays PDF files (such as Adobe Acrobat Reader)
    • a printer and/or storage device if you wish to print or retain any electronic documents

    To access Communications on a traditional computer, you must have:

    • a Windows PC or Macintosh (at least 1-GHz processor and 1 GB of RAM)
    • an updated browser that is currently supported by the browser software vendor (must support 128-bit encryption and TLS 1.2 or higher)
      • Recommended browsers include: Google Chrome, Microsoft Edge, Mozilla Firefox, Safari
    • Microsoft Windows 7 or higher or Mac iOS 10 or higher
    • 800×600 or higher video resolution (recommended)

    To access Communications on a mobile device, you must have:

    • a mobile device supporting Android 5 or later, or Apple iOS 12 or later
    • an updated browser that is currently supported by the browser software vendor (must support 128-bit encryption and TLS 1.2 or higher)
      • Recommended browsers include: Google Chrome, Mobile Safari
  6. Requesting Paper Copies: We will not send you a paper copy of any Communication, unless you request it or we otherwise deem it appropriate to do so. You can obtain a free 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 electronic Communication to you. To request a free paper copy, contact us by logging into the Customers Bank website. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.

  7. Communications in Writing: All Communications in either electronic or paper format from us to you will be considered “in writing.” You should print or download for your records a copy of this Disclosure and any other Communication that is important to you.

  8. Federal Law: You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

  9. Termination/Changes: We reserve the right, in our sole discretion, to discontinue the provision of your 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.

  10. Consent: By selecting “I Agree” you hereby give your affirmative consent for us to provide electronic Communications to you as described herein. You further agree that your computer or mobile access device satisfies the hardware and software requirements specified above and that you have provided us with a current email address at which we may send electronic Communications to you.