Click to download the Electronic Statement Consent Agreement


This Agreement is between Sierra Pacific Federal Credit Union (hereinafter, us, our or Credit Union), and each participating member of the Sierra Pacific Federal Credit Union’s E-Statement program, together with any person who is authorized by a member to use or access this service (hereinafter referred together as you, your or yours).

E-Statement Access

Accessing your E-Statement confirms your agreement to be bound by all disclosures and agreements and acknowledges your receipt and understanding of this agreement.  By entering into this agreement, you understand that Sierra Pacific Federal Credit Union will no longer provide you with a monthly paper statement.  Your statements will be available through e-mail on or around the 15th day for each month for those receiving monthly statements.  If you receive quarterly statements, your statement will be accessible through e-mail to you around the 15th day in January, April, July, and October respectively.  You will be notified by e-mail that your e-statement is available.

By accessing your on-line periodic statements you will be able to view your periodic account and transaction activity for your deposit and loan accounts (excluding credit card statement activity), 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.

In order to access your E-Statement online, you must have an active Flexteller banking service established with the credit union. Once that is established, you may log on to our home banking site via the Internet, use your PIN to access your account, and click on the E-Statement sidebar.

Access Requirements

In order to access your E-Statements online, you must first have both an internet connection (128-bit encryption recommended) and you must establish and maintain an email address.  Secondly, you must have a sign-on and password to Sierra Pacific Federal Credit Unions Flexteller online banking system.  Third, you must have access to Abode Acrobat Reader software (available free of charge at to access your E-Statements as well as a printer or the ability to download the E-Statements for your records.

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 and related equipment are compatible with and capable of operating in a manner that allows you to utilize the E-Statement Service.  If you cannot meet the requirements for any reason, you have the right to withdraw your consent at that time at no cost to you. Withdrawing your consent will terminate your E-Statement service.

Service Availability

The service providing your E-statements is generally available 24 hours a day, 7 days a week.  However, this service may be unavailable from time to time for routine software and hardware maintenance or due to unscheduled down time.

Error Resolution

You understand the importance of your role in the prevention of misuse of your account.  You agree to promptly examine you statement and notify us immediately of any errors on your account.  We must hear from you no later than 60 days after you are sent the first statement in which the problem appears.  You may contact us at 775-834-4579.


You agree to protect the confidentiality of your account, account numbers, and your personal identification numbers.

SPFCU will disclose information to a third party about your e-statement access only in the following circumstances:  1) When it is necessary for completing a technical support call to our e-statement provider, 2) In order to verify the existence of conditions of your account, 3) To comply with a government agency or applicable law

Right to Receive Paper Statements

Once you enroll in this voluntary program, your paper statement will no longer be sent to you. Although you have elected electronic delivery, you do have a right to receive a paper copy of your periodic statement.  To request a copy of your periodic statement please telephone us at 775-834-4579 or write to: Sierra Pacific Federal Credit Union, P.O. Box 10100, Reno, NV 89520.

Electronic Signature Agreement & Security

You agree that your use of a keypad, mouse or other device to select an item, button, icon or similar act/action, or to otherwise provide the Credit Union instructions while participating in our E-Statement Program (“Program”); 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. You agree and acknowledge that you will keep your PIN and other security codes and identification data confidential, and you will immediately notify the Credit Union should you believe that your PIN has been lost, stolen, or that an unauthorized person has electronically accessed your accounts.

E-Mail Address Required-Notification of Statement Availability

Your e-mail address is required to participate in our E-Statement delivery program. We will send you an e-mail notification at your last e-mail address of record when your online statement is available. You agree to accept responsibility for notifying us if your e-mail address changes. Your online statements will remain accessible on our web site for at least six (6) months. If we send your e-mail notification and it is returned to us as undeliverable, you will still be able to access your statement from the internet site and should do so until we can start sending you paper statements again or advise us that you are unable to access the statement.  However, your participation in the program will be discontinued and subsequent statements will be distributed to you in paper form.

Your Right To Withdraw Consent

You have the right to withdraw your consent to receive your statements in electronic form at any time. If you elect to withdraw your consent there is currently no cost to you and your participation in the Program will be terminated.

To withdraw your consent you must send written notice to the credit union.  You will need to either fax to 775-834-3272 or mail to:  Sierra Pacific Federal Credit Union, Attn: Electronic Services Department, P.O. Box 10100, Reno, NV 89520.

If your written notice to cancel is received within five (5) business days prior to the end of the statement cycle, your current (monthly/quarterly) statement will be distributed to you in paper form.  If it is not received within the above-mentioned time frame, your current (monthly/quarterly) statement will be distributed to you in electronic form and subsequent statements will be distributed to you in paper form.

Contractual Agreements/Modification

This electronic consent supplements and modifies other agreements that you may have with the Credit Union. 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. For example, you will still be required to review any account statements you receive and notify the Credit Union within established time periods if there are any errors on your statement.

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.

E-Mail 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 e-mail 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 e-mail or other electronic communication; and may respond to any e-mail at either the address provided with the communication, the e-mail 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 e-mails 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.



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