FirstBank Express Electronic Statement Disclosure Agreement

Electronic Delivery of Statements and Notices

By accepting the “First Bank & Trust Electronic Statement Disclosure Agreement”, you consent and agree that First Bank & Trust may provide certain disclosures and notices to you in electronic form, in lieu of paper form, including electronic delivery of statements (e-Statements) for your First Bank & Trust deposit account(s).

Scope of Consent for Electronic Delivery of Statements

Your consent to receive e-Statements covers the periodic statements you are provided in connection with your First Bank & Trust deposit account(s). . By using e-Statements, you accept and agree to be bound by the general terms and conditions governing e-Statements, including without limitation all the terms and conditions in this Agreement. You agree to be bound by any and all laws, rules, regulations and official issuances applicable to e-Statements now existing or which may hereafter be enacted, issued or enforced, as well as such other terms and conditions governing the use of other facilities, benefits or services that First Bank & Trust may from time to time make available to you in connection with e-Statements.

First Bank & Trust has absolute discretion to make e-Statements available to you. Further, First Bank & Trust has the discretion from time to time and upon giving notice to you to modify, restrict, withdraw, cancel, suspend or discontinue e-Statements without giving any reason and you understand that by using e-Statements after any modification or change has been effected, you would have agreed to such modification or change.
All future statements for that account will be e-Statements which you will access through First Bank & Trust’s Internet Banking to obtain, review, print, and copy/download your periodic deposit account statements. Each month we will send an email notice to you advising you of the availability of your e-Statement. Your electronic statement will be available for viewing for a period of thirteen (13) months (or such period as decided by First Bank & Trust and notified to you) from the applicable statement date.

Scope of Consent for Electronic Delivery of Notices

Your consent to receive electronic notices covers any notice or other type of communication provided to you pursuant to the terms of this Agreement. We will send all notices, attachments, and/or documents via e-mail to the last known e-mail address provided by you. You agree to notify us promptly of any change of your e-mail address.

First Bank & Trust e-Statement Procedures

You must enroll each of your deposit account(s) for which you want to access e-Statements. To enroll your account(s) for e-Statement access, simply log in to First Bank & Trust’s Internet Banking service, go to “Add Online Statements”, read the information provided and click on the ”continue” box. When the list of your accounts is displayed on the e-Statement screen, simply select desired method of presentment, read the service agreement and disclosure, check the box indicating you have read and agree with the disclosure and click on the Submit box. If you presently have a statement available, it will be listed immediately for you. Your e-Statement for your next statement cycle should be available for viewing the business day after your statement date. For your first e-Statement cycle, you will receive a paper statement as well as be able to view your e-Statement. If you select the e-statement only option, subsequent statements for your e-Statement account will be e-Statements only. You will receive an automated notification email shortly after the end of each statement period informing you that your e-Statement is ready for viewing. In order to access your e-Statements, you must log in to First Bank & Trust’s Internet Banking service, go to “Statements”, and select the statement you wish to see.

Requesting to Receive or Cancel Paper Statements in Addition to e-Statements

Should you wish to receive paper statements or to cancel your request to receive paper statements in addition to e-Statements for a particular account, please log in to First Bank & Trust’s Internet Banking service, go to “Customer Service” and complete the appropriate section of the “Customer Service Form” A free paper copy of your statement can be obtained at any time by contacting First Bank & Trust at 820 Church Street. Evanston IL 60201.

Change of Mailing Address, Email Address, and Other Information

You agree to notify us immediately of any change in your mailing address, e-mail address or other particulars relevant to this Agreement. To notify us of your e-mail address change, please log in to First Bank & Trust’s Internet Banking service, go to “User Options”, select “E-mail Address”, and enter your new e-mail address in the “Email Address” field. Please note that you must provide us with an e-mail address in order to use the e-Statement service.

Joint Accounts

If your First Bank & Trust account is owned jointly with another person, either one of you may consent to receive electronic disclosures and e-Statements and that person’s election to access e-Statements shall apply to both of you. First Bank & Trust will automatically turn off the paper statement for that account after the first e-Statement has been made available unless you request to continue to receive your paper statements in addition to your e-Statements (please refer to Requesting to Receive or Cancel Paper Statements in Addition to e-Statements).


You agree that First Bank & Trust shall not be held liable if you are unable to gain access to the website or First Bank & Trust Internet Banking system from time to time. You understand that some or all of the e-Statement services and/or other First Bank & Trust system services may not be available at certain times due to maintenance and/or computer, communication, electrical or network failure or any other causes beyond First Bank & Trust’s control. You understand the importance of your role in preventing misuse of your accounts and you agree to promptly examine your e-Statement for each of your First Bank & Trust accounts as soon as you can access it. You must report any errors or discrepancies in accordance with our Account Disclosure as provided to you and with applicable law.

Your User ID and password that are used to access Internet Banking services should be kept confidential. The password must be changed at least every ninety (90) days. You are responsible for keeping your password, account numbers and other account data confidential.

System Requirements

In order for you to access and retain your e-Statement records, your system must have:

  • Internet access
  • An Internet browser that supports 128-bit encryption
  • A certified/supported browser
  • Adobe Acrobat Reader (which may be downloaded at no charge on the Internet)

Change in Terms

The Bank reserves the right to change the terms and conditions of this agreement
at any time, which includes the addition and deletion of e-Statement services.

Your Right to Withdraw Consent

You have the right to withdraw your consent to have your statements provided in an electronic form by going to the” Customer Service” screen and changing the delivery method selection. We will then discontinue e-Statement service for that account and you will receive paper statements for subsequent statement periods. Once this is done, previous e-statements will no longer be available.

Disclaimer of Warranty and Limitation of Liability

We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the e-Statements provided to you under the Agreement. We do not and cannot warrant that the e-Statement service will operate without error, or that the e-Statement service will be available at all times. Except as specifically provided in this Agreement, or otherwise required by Law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under the Agreement or by reason of your use of the e-Statement service, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty or any other legal theory.

First Bank & Trust makes no warranty that:

  • The service will be uninterrupted, timely, secure or error-free
  • The service will meet your requirements
  • The results that may be obtained from the use of the service will be accurate or reliable
  • The quality of any products, services, information or other material purchased or obtained by you through the service will meet your expectations
  • Any errors in the software will be corrected

First Bank & Trust shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses resulting from:

  • The use or the inability to use the service
  • The cost of procurement of substitute goods and services resulting from any goods, data information or services purchased from the service
  • Unauthorized access to your transmission
  • Unauthorized alteration of your data
  • Statements or conduct of the third party service provider
    Any other matter relating to the service