Please read this information carefully and print a copy and/or retain this information electronically for your records.

This Agreement is between AllSouth Federal Credit Union (hereinafter “We, Us, Our, AllSouth, or Credit Union”), and each participating member of the AllSouth Federal Credit Union’s eStatement and eNotice service (hereinafter “the Service”), together with any person who is authorized by a member to use or access this Service (hereinafter referred together as “You, Your, or Yours”).

Description. Many account documents — including statements, tax documents, and legal notices — can be delivered online in lieu of paper documents for certain Eligible Accounts. You have the option to view, save, or print PDF versions of your account documents from AllSouth’s Website or the Service via desktop, tablet or Mobile Device. Any legal notices or disclosures about your Eligible Account that would normally accompany your paper account statement, or that we would mail to you, may be delivered to you electronically. In some cases, we must continue to mail paper statements, legal notices and disclosures even if you elect to receive them electronically. We may offer you additional options for delivery of various communication related to your Eligible Account. The following is a brief description of the various features of and requirements for using online statements and documents. We may add to, modify, or delete any feature of online statements and documents at our sole discretion.

Eligible Accounts. Most Eligible Account statements and documents can be delivered online or electronically. You can determine online statement eligibility by signing on to AllSouth’s Website or Online Banking Services.

Enrollment. Online statements and documents are available for certain Eligible Accounts if you have completed enrollment in the Service and provided us with a valid email address. By submitting the enrollment request, you are giving your consent to receive statements and other documents in electronic form in lieu of periodic paper documents related to your Eligible Account. Once enrolled, we will send you an email notice notifying you when your statement or document is available on the Service. To ensure that you continue to receive such email notifications, you must notify us of any changes or updates to your email address. We may revoke your online-only statement and document option and change your delivery preference to U.S. Mail if you don’t maintain a valid email address. If an Eligible Account has multiple owners, your consent to enroll constitutes the consent of all joint account holders. A communication to any account owner will be treated as a communication to all.

Check Images. For Deposit Accounts, you may view online images of the individual checks posted to the account. If you currently receive an account statement with check images in paper format, once you choose online-only statements and documents, you will no longer receive the check images as part of the statement. You can ask us to mail a photocopy of a canceled check to you (additional fees may apply).

Access. Once enrolled, you can access your online statements and documents (including legal notices and disclosures) on our Website and Online Banking Services. By accessing your online periodic statements you will be able to view your periodic account and transaction activity for your deposit and loan accounts, notices for insufficient funds, certificate maturity notices (or other similar account notices), year-end tax statements, electronic funds transfer transactions, periodic notice of billing error rights under federal Regulations Z and E, and Credit Union newsletters and/or statement stuffers, which may contain important legal notices that affect you.

Statements are available online for up to a maximum of 18 months, depending on the type of account enrolled. Statements for some types of Eligible Accounts are available for shorter time frames. If you didn’t choose electronic delivery when the account was first opened, there may be a gap in the historical statements available online for some types of Eligible Accounts. Additionally, if your Eligible Account does not entitle you to receive paper copies or images or certain documents such as cancelled checks, these services will not be provided through the Service. For some types of Eligible Accounts, there may be a delay of up to several weeks after enrollment before you can start viewing statements and documents online. You can still request historical account statements (fees may apply); please refer to the applicable account agreement and disclosures for details.

Year-end Tax Reporting. Online year-end tax documents may be available to customers with certain account types who are enrolled in and provide a valid email address for the Service. You don’t have to complete a separate enrollment process to view your tax documents online. This option is available regardless of whether we also mail your paper tax documents. You are entitled to receive paper versions of your tax documents by U.S. Mail. By selecting Online as your delivery preference, you are consenting to receive those tax documents electronically instead. Please make note of the following important information:

  • Your consent applies to all the tax documents you have designated for online delivery. The consent for each form designated will remain in effect for every year that form is required to be furnished until the consent is withdrawn in the manner provided below. Tax documents will remain available to you online until at least October 15 of the year in which they are delivered for Eligible Accounts (except for closed accounts, as provided in Section 4(b) of this Agreement).
  • Your withdraw of consent to electronic delivery by changing your delivery preferences back to U.S. Mail in the Service, may not take effect for the upcoming tax season. Note that delivery preference changes will be reflected immediately on the Website but may take up to ten (10) Business Days to take effect.
  • You may obtain a paper copy of any tax document we deliver electronically by calling our Call Center at (803)736-3110 or 1-800-272-0695. Requesting a paper copy of your electronically delivered tax document does not change your delivery preferences or withdraw your consent to electronic delivery.
  • Tax documents will no longer be delivered to you electronically if you close the related account or end your Online and Mobile Banking relationship with us.
  • You may update your contact information and email address within the Service.


Requirements for Accessing Electronic Communications. You will need the following technical requirements to access and print electronic communications:

  • A current version of an Internet browser we support,
  • A current version of a program that accurately reads and displays PDF files (such as Adobe Acrobat Reader), and
  • A computer and an operating system capable of supporting all of the above.

If there is a change in the hardware/software requirements associated with this Service, we will notify you and provide an explanation of the updated hardware/software requirements. It is your sole responsibility to insure your personal computer or device and related equipment are compatible with and capable of operating in a manner that allows you to utilize the Service. If you cannot meet the requirements for any reason, you have the right to withdraw your consent at any time.

You will also need a printer if you wish to print out and retain records on paper, and electronic storage if you wish to retain records in electronic form.

We always reserve the right to communicate with you in writing using U.S. Mail, regardless of what other options you have chosen.

Terminating Online Statements and Documents. We may terminate online delivery of statements and documents to you for one or more Eligible Accounts without notice. If you elect to withdraw your consent your participation in the Service will be terminated and you may incur a paper statement fee. Refer to our Fee Schedule for a full list of fees.

You may withdraw your consent to receive electronic communications by updating your preference through the Service or by contacting us. Any withdrawal of your consent to receive electronic communications will be effective after we have a reasonable period of time to process your withdrawal, which shall not be less than ten (10) Business Days. We may treat an invalid email address as a withdrawal of your consent to receive electronic communications.

Obtaining Paper Copies. Once you enroll in this voluntary Service, your paper statement will no longer be sent to you. You may obtain paper copies of electronic communications by printing them within the Service or by contacting us. We may charge you a reasonable fee, of which we will have provided you prior notice, for the delivery of paper copies of any communication provided to you electronically pursuant to this authorization. Requesting a paper copy of your electronically delivered document does not change your delivery preferences or withdraw your consent to electronic delivery.

Prompt Review of Electronic Statements.  You will be notified by email that your electronic statements are available to view in the Service. Your receipt of electronic statements does not in any way alter your obligation to promptly review your statements as set forth in the Other Agreements. You must promptly review your electronic statements and any accompanying items and notify us in writing immediately of any error, unauthorized transaction, or irregularity. If you allow someone else to access your electronic statements, you are still fully responsible for reviewing the electronic statement for any errors, unauthorized transactions, or other irregularities. All provisions as set forth in the Other Agreements shall continue to apply.

How to Contact AllSouth in Case of Errors or Questions About Your Transactions. You should contact AllSouth as soon as possible if you think your statement is wrong or if you need more information about a transaction listed on your statement. In additional to the obligations set forth in the Other Agreements governing failures to report unauthorized or fraudulent transactions, your failure to promptly report errors is subject to the following terms-

For Business Accounts: If you do not notify AllSouth of any said errors or irregularities within thirty-three (33) calendar days of the statement mailing date, the statement will be considered correct.  You agree that AllSouth will not be liable or responsible for your loss for any forged, altered, or unauthorized check or otherwise fraudulent item drawn on your account if you have not reported the erroneous item to us in writing within thirty-three (33) calendar days of the statement mailing date of the statement first containing the erroneous item. If the same person has made two or more unauthorized transactions and you fail to notify AllSouth of the first one with this thirty-three (33) calendar day period, AllSouth will not be responsible for unauthorized transactions made by the same wrongdoer.  

We also will not be liable for any items that are forged or altered in a manner not detectable by a reasonable person, including the unauthorized use of a facsimile signature machine.

For Consumer Accounts Only: Electronic fund transfers are subject to different time periods for notification of errors, as described in the “Electronic Funds Transfer Agreement and Disclosure” part of this Agreement.  

Electronic “Signature” Agreement & Security. You agree that your use of a key pad, mouse, or other device to select an item, button, icon or similar act/action, or to otherwise provide AllSouth instructions while participating in the Service; or in accessing or making any transaction regarding any agreement, acknowledgement, consent terms, disclosures or conditions, constitutes your signature, acceptance and agreement as if actually signed by you in writing. Further, you agree that no certification authority or other third-party verification is necessary to validate your electronic signature; and that the lack of such certification or third-party verification will not in any way affect the enforceability of your signature or any resulting contract between you and the Credit Union.

Contractual Agreements/Modification. This electronic consent supplements and modifies other agreements that you may have with AllSouth. To the extent that this consent and another agreement contain conflicting provisions, this consent will govern the delivery of electronic disclosures and statements, but all other contractual obligations of the parties remain subject to the terms of any other agreements.

Authorization Consent. By agreeing to the terms and conditions of this consent, you represent that you are authorized to enter into this consent for all persons who own or are authorized to access any of your accounts, and that such persons will be bound by the terms of this consent.

Email Communications. You acknowledge and agree that the Internet is considered inherently insecure. Therefore, you agree that we have no liability to you whatsoever for any loss, claim, or damages arising or in any way related to our response(s) to any email or other electronic communication that we in good faith believe you have submitted to us. We have no duty to investigate the validity or to verify any email or other electronic communication; and may respond to any email at either the address provided with the communication, the email address in your Membership Account Agreement, or any other application or written communication actually received by us.

Although we have no obligation to do so, we reserve the right to require authentication of emails or electronic communications. The decision to require authentication is at the sole discretion of the Credit Union. We will have no obligation, liability or responsibility to you or any other person or company if we do not act upon or follow any instruction to us if a communication cannot be authenticated to our satisfaction.

Governing Law. This agreement, including the validity of any signatures or consents, any claim, or disputes arising hereunder shall be construed in accordance with and governed by the Laws of the State of South Carolina.

Acceptance Disclosure. By clicking on the “Accept” button, you acknowledge that you understand the terms of this disclosure. This disclosure will be available for your review at any time under “Disclosures & Notices” in Online Banking at