As part of your establishing a new deposit account with us through the Online Account Opening process, you are entitled by law to receive certain information in writing. The federal Electronic Signatures in Global and National Commerce Act ("E-SIGN Act") allows us to provide this information to you electronically, instead, with your prior consent. Therefore, before you open a new deposit account through this process, you must review and consent to the terms outlined below.
In this consent, “we”, “us”, “our”, and “bank” are used to refer to OneWest Bank, a division of CIT Bank, N.A., whose accounts are obtained through the Online Account Opening process. “You” and “your” refer to the person giving this consent.
Your Consent to Use Electronic Records and Signatures
Disclosures and other information we provide to you during this process may be in electronic format (“electronic records”). We may also use and obtain from you electronic signatures (for example, your clicking a button as evidence of your consent or agreement to something).
Your Option to Receive Paper Copies
If we provide you with electronic records during this process, and you want a copy in paper, you may contact us at 1.877.741.9378 or visit one of our branches and request a paper version. The paper version will be mailed to you at no cost.
Your Consent Only Covers This Deposit Account
Your consent only covers the electronic records applicable to opening this deposit account through the Online Account Opening process. You will be required to provide your consent each time that you open a deposit account through this process.
You May Not Withdraw Your Consent
Once your account is opened through the Online Account Opening process, you may not withdraw your consent to use electronic records and signatures as this consent only applies to electronic records applicable to the opening of this deposit account.
You Must Keep Your Email or Electronic Address Current With Us
In order for us to be able to provide you with important notices and information related to the opening of this deposit account, you must ensure that the contact information that you enter during the Online Account Opening process is correct. This includes, but is not limited to, name, address, phone numbers, and email addresses.
Hardware and Software You Will Need
To open this deposit account through the Online Account Opening process, you must be able to access, view, and retain electronic records, which requires that you have:
- Access to hardware, meaning a device (e.g., computer, smartphone, mobile device, tablet, etc.) suitable for connecting to the Internet with the Current Version (as defined below) of the following:
- an operating system, such as Windows, Mac OS, iOS or Android, and
- a web browser, such as Internet Explorer, Chrome, Safari or Firefox, that we support.
- A connection to the Internet;
- Local electronic storage capacity to retain electronic records and/or a printer to print them;
- A valid e-mail account and software to access it;
- Software that enables you to view and display files in HTML and PDF format.
By "Current Version," we mean a version of the software that is currently being supported by its publisher. From time to time, we may offer services or features that require that your Internet browser be configured in a particular way, such as permitting the use of JavaScript or cookies. If we detect that your Internet browser is not properly configured, we may provide you with a notice and advice on how to update your configuration. We reserve the right to discontinue support of a Current Version of software or an operating system if, in our sole opinion, it suffers from a security flaw or other flaw that makes it unsuitable for use.
Provide Your Consent
Please indicate your consent to use electronic records for the purpose of opening this deposit account through the Online Account Opening process by clicking the “Accept” button below. By providing your consent, you are also confirming that you have the hardware and software described above, and that you are able to view electronic records. You are also confirming that you are authorized to, and do, consent on behalf of all co-owners of the deposit account being opened.