CONSENT TO RECEIVE ELECTRONIC
COMMUNICATIONS, INCLUDING CONSUMER DISCLOSURES
Please read this consent
("Consent") completely. This Consent covers electronic records,
including consumer disclosures, as specified below, provided by The Golden 1
Credit Union (the "Credit Union"). The words "we,"
"us," "our" and other similar terms refer to the Credit
Union, and the words "you," "your" and other similar terms
mean you, the individual(s) or entity identified on the account(s). For this
electronic service enrollment process, consent by any one authorized user will
be effective for all authorized users on the account(s).
If you choose not to agree by
clicking the "I Decline" button below, you will not be eligible to
enroll in or use the electronic services.
Electronic Records - Communications
By clicking the "I
Accept" button, you understand and agree to be bound by the terms and
conditions of this Consent, and authorize the Credit Union to provide to you in
electronic format through the utilization of electronic email, or website
posting or through logged in website interaction, the following communications
(collectively referred to herein as "Communications") regarding your
- Any notice
regarding hardware or software changes that may impact your ability to
access Communications, including any notice revoking or limiting access to
our website to access a Communication or certain information previously
provided to you;
- Federal Notice
of Your Financial Privacy Rights, including the California State Important
Privacy Choices for Consumers;
- Digital Banking
Services Agreement, which includes Terms and Conditions for the following
services as well as information the Credit Union is required to disclose
under the Electronic Funds Transfer Act and its implementing Regulation E,
and the Expedited Funds Availability Act and its implementing Regulation
- Online Banking;
- Bill Payment and Popmoney®;
- Internal and External Transfers;
- Mobile Banking;
- Mobile Deposit;
- Card Controls;
- Text Banking and Alerts Services
Please be aware that this Consent only covers electronic communications and does not automatically opt you into receiving online statements and notices for your account(s). If you wish to sign up for online statements and notices, you will need to do so separately by logging into Online Banking and selecting the "Documents" link, or by logging into Mobile Banking and selecting "Documents & statements" under the “More” menu.
You may obtain paper copies of
any of the Communications the Credit Union
provides to you electronically by sending your written request to The Golden 1
Credit Union, P.O. Box 15966, Sacramento, CA 95852-0966 or by calling us at 1-877-GOLDEN 1
(1-877-465-3361) or logging on to your online account at golden1.com. If you request a
paper copy of any Communications,
the Credit Union will provide the initial copy to you free of any Credit Union
fees or charges. Although we do not currently impose a fee or other charge for
the initial paper copy of Communications, we reserve the right to do so in the future and to
change such fee at any time as set forth in our Fee Schedule. The Credit Union will mail paper copies of a
Communication to you (at the address shown
on the Credit Union's records) within ten (10) business days after the date the
Credit Union receives your request.
Withdrawal of Consent for Communications
If you wish to withdraw your
consent to receive electronic Communications, you may do so at any time.
Withdrawal of your consent will immediately terminate the delivery of future
Communications to you in electronic form. If you elect to receive
Communications only in paper format, it may slow the speed at which we can
complete certain steps in transactions with you because we will need first to
send the Communications to you in paper format, and then wait until we receive
back from you your acknowledgment of your receipt of such paper Communications.
To withdraw your consent, all you
need to do is contact the Credit Union by phone at 1-877-GOLDEN 1
(1-877-465-3361) or write to us at The Golden 1 Credit Union, P.O. Box
15966, Sacramento, CA 95852-0966. Your withdrawal will not affect the
previously delivered electronic Communications.
We do not currently impose any
fee or other charge if you choose not to consent or if you withdraw your
consent. However, we reserve the right to impose a fee in the future and to
change such fee at any time.
Hardware or Software Requirements
In order for you to access and
retain the Communications, you will need a computer as well as a working
connection to the Internet. The Golden 1 Credit Union supports the two most
recent publicly released versions of the following browsers:
If the Credit Union changes the
minimum hardware or software requirements needed to access or retain the
Communications, and the change creates a
material risk that you will not be able to access or retain a subsequent
record, then before the change takes effect the Credit Union will advise you of
the change and let you know what the new requirements are.
The Credit Union will notify you
by email, and at that time, you will be allowed to choose whether you still
want to give the Credit Union your consent to receiving Communications by electronic means. If not, you may withdraw
your consent at that time.
How the Service Works
The Communications will be
provided to you after you give your consent, by clicking "I Accept,"
below. You may periodically receive account notices by email. These notices will
be sent directly to your email address to provide you with important balance
and account status updates. Also, you may periodically receive an email
notification that an electronic record is available for review and you will be
directed to information posted on the Credit Union's website. To view some of
the Communications, you may need to access
the Credit Union's website, open the secure connection for online financial
services and click on the necessary tabs (for example, when accessing
electronic records that contain personally identifiable financial information).
We reserve the right, from time to time, to deliver one or more Communications in paper form instead of electronic form by mailing
the Communications to the last known
mailing address on our records for you. In the event that we do so, we are in
no way terminating this Consent and we may continue to provide Communications to you in electronic form.
In order to ensure that the
Credit Union is able to provide you with Communications, you must provide the Credit Union with your current
email address and update the Credit Union with any changes. You can update your
email address by logging on to your account online at golden1.com and following
the instructions to update your email address. If you fail to update or change
an incorrect email address or other contact information, you understand and
agree that any Communications shall
nevertheless be deemed to have been provided to you if they were made available
to you in electronic form on our website or emailed to the email address we
have for you in our records.
We reserve the right, in our sole
discretion, to discontinue providing records in electronic form. We also
reserve the right to change the terms and conditions of this disclosure and
Consent. If required by law, we will provide you with notice of any such
termination or change, and request a new Consent.
If you download or print any
confidential materials, such as your transaction history, be sure that you
store them in a secure environment, just as you would paper-based Credit Union
ACCEPT OR DECLINE.
To confirm that you can access
this information electronically, which will be similar to other electronic
notices and disclosures that we will provide to you, please verify you were
able to read this electronic disclosure and that you were able to print or save
this document for your future reference.
Click on the "I Accept"
button to agree to this Consent and the electronic delivery of Communications.
"I Decline" button to decline electronic delivery of Communications and exit from these setup procedures.
IT IS RECOMMENDED THAT YOU PRINT
THIS DOCUMENT FOR FUTURE REFERENCE.
(Revised June 25, 2020)