FCCU E-statement Agreement and Disclosure

This disclosure contains important information about FCCU's Electronic Statement product, also referred to as E-statements. You should keep a copy of this disclosure for your records.

E-statement Delivery

If you enroll in E-statements, we will send you an email alert to the email address you provide when your statement becomes available for viewing online. You can change the email address for the statement alert at any time by accessing "User Options" within FREEdom Online.

The email alert will include a link to the FREEdom Online login screen. You can also navigate to the "Online Statement" page anytime from within FREEdom Online.

Statement Availability

E-statements are securely available online for 24 months. Check images can be easily accessed online for 3 months. Both E-statements and check images may be downloaded or printed for permanent retention.

If you need a paper copy, please contact us at 701-252-0360 or 800-850-7676. A fee will be charged as described in our most recent Fee Schedule.

Enrolling in E-statements

You may enroll in E-statements as part of the FREEdom Online enrollment process, or you can "opt-in" at any time by accessing the "Online Statements" page within FREEdom Online.

Canceling E-statements

You may opt-out of E-statements at any time by contacting us. If you opt-out of E-statements, we will resume delivery of your paper statements by U. S. Mail. There will not be a fee associated with the reinstatement of paper statements.

Hardware and Software Requirements

If you can access FREEdom Online, you should be able to access your E-statements. However, prior to enrolling in E-statements, you should verify that you have the following hardware and software:

Internet Access.
A computer or wireless device with an Internet browser that can support 128-bit encryption.
Adobe Reader®
Access to a printer or storage medium such as a hard drive so that you can download and/or print statements for your records.
An external email address.

We may revise hardware and software requirements, and if there is a material change that may impact your ability to access E-statements, we will notify you of these changes in advance and provide you an opportunity to change your method of receiving statements (e.g. change to paper format vs. an electronic format) without the imposition of any fees.

Email Address Changes

In order to provide E-statements, we must maintain a current email address at all times.

You should notify us of any changes to your personal contact information or you can update your personal information through "User Options" in FREEdom Online.

If you have a "multiple-party account" as defined in the Terms and Conditions account agreement, your email address may be changed by any authorized party to your account. FCCU will have no obligation or liability to any of the parties to a "multiple-party account" if the email address is changed.

Consumer Accounts

Your Billing Rights: Keep This Document for Future Use

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at:

First Community Credit Union
Attn: Operations Department
PO Box 2180
Jamestown, ND 58402-2180

In your letter, give us the following information:

Account information: Your name and account number.
Dollar amount: The dollar amount of the suspected error.
Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us:

Within 60 days after the error appeared on your statement.
At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.
Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.

In Case of Errors or Questions About Your Consumer Electronic Transfers

Telephone us at 1-800-850-7676 or write us at First Community Credit Union, Attn: Operations Department, PO Box 2180, Jamestown, ND 58402-2180 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

(1) Tell us your name and account number (if any).

(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

(3) Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Proceed with Acceptance of E-statements

With your acceptance below, you agree to accept periodic account statements in an electronic format. You also agree that you have the necessary equipment for accessing and viewing E-statements and you agree to notify us if you change your email address or if you no longer want to receive statements electronically.

If you decide not to enroll in E-statements, select the "Decline" button below. You can still enroll at a later time within FREEdom Online.