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Electronic Communications, Transactions & Disclosures Consent

Please read this Electronic Communications, Transactions & Disclosures Consent (“Consent”) carefully and print or retain a copy for your records. “We”, “us”, and “our” refers to VirtualBank, a Division of First Horizon Bank. “You” and “your” refers to the person giving this consent, and also each additional account owner, authorized signer, authorized representative or use identified on any of our products that you apply for, use or access.

Authorization and Consent to Electronic Account Disclosures & Communications:

You agree and authorize us to provide account agreements, disclosures and account-related information and communications (“Account Disclosures & Communications”) electronically in lieu of a paper version for any product, service or account that you have or apply for with us, either now or in the future. Account Disclosures & Communications may include, but are not limited to, deposit account agreement and disclosures, account statements, account and service notices, changes in account agreement terms, and any disclosures that are required by law or regulation to be provided to you in writing.

All Account Disclosures & Communications delivered to you electronically will be considered “in writing” and will be given the same legal effect as if such document was delivered in paper form. You should print, download or otherwise save each Account Disclosure & Communication provided to you electronically for your records. For any Account Disclosure & Communication that we provided to you electronically, we have no obligation to provide you with a paper copy of that document unless and until your consent is withdrawn as described below. We reserve the right, but assume no obligation, to provide any electronic Account Disclosures & Communications on paper.

Electronic Account Disclosures & Communications:

All Account Disclosures & Communications that we provide to you electronically will be: (1) provided either by email at the e-mail address you have provided to us; (2) provide on-screen or for download through our online or mobile banking services; (3) attached to other electronic communications delivered to you; or (4) in a manner otherwise specified in any other agreement with us.

Your Right to Withdraw Consent for Electronic Legal Disclosures:

You have the right to withdraw your consent to receive electronic Account Disclosures & Communication by calling our Customer Service at 1-877-998-2265. If you withdraw your consent for electronic Account Disclosures & Communications, we will mail you paper copies of Account Disclosures & Communications that we are required to make after the withdrawal of your consent; however, the withdrawal of your consent will not affect the legal validity or enforceability of prior electronic Account Disclosures & Communications. We also reserve the right to terminate your use of any service, to amend the terms and features of any service, and/or to convert you to a different service or product in the event that you should withdraw your consent. An increase in your monthly service charge may apply if you withdraw your consent of receiving electronic communications.

Your Right to Obtain Paper Copies:

You may obtain a paper copy of any Account Disclosures & Communications delivered electronically by printing such disclosure or document yourself. You may also request a paper copy of any Account Disclosures & Communications by calling our Customer Service at 1-877-998-2265. We reserve the right, subject to applicable law, to charge a fee for providing a paper copy of any Account Disclosures & Communications previously delivered to you electronically.

How to Update Your E-Mail Address for Electronic Communications:

It is solely your responsibility to assure that the e-mail address and other contact information you have provided to us in connection with any account or service is current and accurate. You must promptly notify us of any changes to your e-mail address. You may advise us of e-mail address changes by calling our Customer Service at 1-877-998-2265 or by following the online instructions for changing your e-mail address. Any change to your e-mail address will be effective only after we have received the changed address and had a reasonable period of time to process the change.

Hardware and Software Requirements:

In order to access and retain Account Disclosures & Communications electronically, you must have:

  • A personal computer or other device that is capable of accessing the Internet;
  • A valid and active e-mail account;
  • An internet browser – we recommend using the most up-to-date version of one of the following browsers: Microsoft Internet Explorer, Google Chrome, Safari, or Mozilla Firefox. If you elect not to upgrade the browser, your experience may not be optimal and may not support the new standards for safe and secure transactions. You must also have a 128-bit SSL encryption level on your Internet browser;
  • A current version of a program that accurately reads and displays Portable Document Format or “PDF” files (such as Adobe® Reader®); and Either sufficient computer memory, an external storage device or the ability to print Account Disclosures & Communications.

By opening this Consent, you have acknowledged and demonstrated your ability to access Account Disclosures & Communications electronically.

Acknowledgement of E-SIGN

You acknowledge and agree that your consent to electronic Account Disclosures & 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 (“E-SIGN Act”), and that you and we both intend that the E-SIGN Act applies to the fullest extent possible to validate our ability to conduct business with you by electronic means.

Our Right to Terminate or Change Electronic Communications

We reserve the right, in our sole discretion and at any time, to terminate providing electronic Account Disclosures & Communications to you, or change the terms and conditions on which we provided electronic Account Disclosures & Communications. We will provide you with notice of any such termination or change as required by law.