Credit Union of Colorado

You understand and agree that, during your relationship with Credit Union of Colorado (“Credit Union”), documents, agreements, and records may be executed using electronic signatures.

An electronic signature is any electronic sound, symbol, or process attached to or logically associated with a document and executed with the intent to sign the document.

Legal Effect

You acknowledge and agree that:

• Your electronic signature is legally binding and has the same force and effect as a handwritten signature.
• Documents executed electronically are enforceable to the same extent as if they were signed in paper form.
• No certification authority or third-party verification is required for the enforceability of your electronic signature.

Records and Retention

Electronically signed documents will be retained by the Credit Union in accordance with applicable record retention requirements and may be provided to you upon request.

Right to Paper Execution

You have the right to request that documents be provided in paper form and to sign documents using a handwritten signature.

If you choose not to use electronic signatures:

• You may request paper documents by contacting us at:
  • 1-800-444-4816
  • P.O. Box 5906, Denver, CO 80217-5906

Your decision not to use electronic signatures may delay or prevent completion of certain transactions.

System Requirements 

To access or execute documents electronically, you may need:

• A device with internet access
• A compatible web browser
• Ability to receive and view PDF documents

Acknowledgment

By submitting an application with Credit Union of Colorado, you acknowledge that:

• You have read and understand this Electronic Signature Disclosure.
• You agree that your electronic signature may be used in place of a handwritten signature.

By opening an account with Credit Union of Colorado, you are automatically enrolled in e-Document services. You elect and agree to receive any disclosures legally required in connection with your account electronically rather than in paper form. These disclosures include, but are not limited to, your periodic statement of account, billing statements, billing rights notice, our privacy policy, change in terms notices, amendments or addenda to the Membership and Account Agreement, and notice of change in terms of any benefits, products, or services offered in connection with your account.

You have the right to receive statements and disclosures in paper form. If you'd like to request a paper copy of a statement or disclosure, while enrolled in this service, please call 1-800-444-4816. We may charge you a $2.00 fee for each statement copy you request. There is no fee for copies of other disclosures.

You may cancel your enrollment in the e-Document service at any time by selecting to receive paper statements in the “Delivery Settings” of the e-Statements tab in online banking. Canceling this service may result in product specific fees as detailed in the Rate and Fee Schedule.

Participation in the e-Document service requires that you have a valid Internet e-mail address. You may update your e-mail address under your profile in online banking. We may use your e-mail address to notify you of the availability of your statement and to send you important information about your account. We will not use or provide your e-mail address to third parties for any other purpose without your permission.

If you use a spam filter, which blocks or re-routes e-mails from senders not listed in your e-mail address book, you must add donotreply@cuofco.org to your e-mail address book.

To access electronic documents associated with your account, you must have an internet connection and an internet browser. To view a list of supported browsers, go to www.cuofco.org/browsers. Your browser must have cookies enabled and the latest version of the free Adobe Reader to view, save, and print your statements.

Please register/login to digital banking to access your electronic statements and documents. If you are newly enrolling in eDocuments, please allow up to 3 business days for this change to take effect.

We reserve the right to cancel this service, change the terms of your use of this service, or send disclosures in paper form at any time.