CONSUMER E-STATEMENT DISCLOSURE

Free Access to Online Statements


We now offer electronic statements, disclosures, notices, records and other information (“e-Statements”) you are entitled to receive as part of your relationship with us online at no cost, including e-Statements related to your checking and savings accounts at Minnwest Bank. This will allow you to view your e-Statements in an electronic version on our website and will replace your paper statement that you are currently receiving in the mail. You will have the option to switch back to paper statements anytime you chose at no additional cost. Certain state and federal laws, including the federal Electronic Signatures in Global and National Commerce (“E-SIGN”) Act require us to obtain your informed consent prior to offering e-Statements. So, before you obtain e-Statements, you must review and consent to the terms outlined below.

In this Consent, “we,” “us,” “our,” and Minnwest are used to refer to Minnwest Bank and its current and future affiliates from which you receive e-Statements. “You” and “Your” refer to the person providing this consent.

Options Available


There is no fee for switching to e-Statements at Minnwest Bank. These e-Statements will look just like paper statements and can be used as you have used paper statements in the past. You will have access to 12 months of statements at your fingertips as they accumulate forward from enrollment date and they will be available for viewing, printing or record keeping functions anytime day or night. If you request a statement beyond the 12 month availability, standard research and duplicate statement charges may apply if permitted by your applicable account agreement and law.

Change to e-Statements Today


Once you have enrolled on the Minnwest Internet banking site at minnwestbank.com, you will have the option to sign up to receive e-Statements by completing the e-Statement enrollment and customer consent option. These e-Statements will include account balances, images of each check written, deposits made during your statement cycle, certain legally required disclosures, and other information. We will send you an e-mail each month when your statements are ready for viewing. Your consent to receive e-Statements covers all transactions relating to each product or service that you agree to obtain from us, including, without limitation, Checking and Savings account services. However, you may request that we provide e-Statements only with respect to the accounts indicated below. If you request to receive e-Statements with respect to other accounts in the future, you agree that this consent applies to such additional accounts. We reserve the right, in our sole discretion, to provide paper statements, disclosures, notices, records and other information in lieu of e-Statements at anytime with respect to such transactions. We may also obtain from you and use electronic signatures with respect to such transactions, unless prohibited by law.

Minimum Computer Requirements


You are solely responsible for the set up, installation, operation, and maintenance of the equipment you use to access e-Statements and for providing your own access to the Internet through the Internet service provider of your choice. A PC with Internet access is all that is required to receive e-Statements. We require that your Internet browser use 128-bit encryption to ensure your accounts remain safe and private online. For the best view, set screen resolution to 800 x 600 pixels.

The following operating systems and browsers are supported by Online Banking:

Operating Systems Browsers

We reserve the right, but not the obligation, to discontinue support of certain equipment and/or software if, in our sole discretion, it creates a security or other risk. We are not responsible for the cost of upgrading your equipment to stay current with e-Statement requirements. We are not responsible for any errors or failures from any malfunction of your computer and we are not responsible for any computer virus or related problems that may be associated with the use of your computer.

Changes in Minimum Computer Requirements


If a change in the hardware or software requirements needed to access or retain e-Statements creates a material risk that you will not be able to access information in electronic form, we will provide notice of the revised hardware and software requirements. As always, you may withdraw your consent to receive e-Statements at that time without cost by following the instructions provided below under the heading “Canceling e-Statement request.” Alternatively, continuing to access e-Statements after receiving such notice constitutes reaffirmation of consent to provide e-Statements.

Requesting Paper Copies of e-Statements


You may always obtain paper copies of e-Statements by printing the information on your printer. You may also contact your local Minnwest branch directly. If you request a statement beyond the 12 month availability, standard research and duplicate statement charges may apply if permitted by your applicable account agreement and law.

Benefits to You


You will receive an e-mail notification to the Internet address you provide that Minnwest maintains in its then current records when your statement is available for viewing. This means that your statements are available to you much sooner than a paper statement that comes in the mail. By reducing the use of paper, online statements are environmentally friendly. Online statements can also decrease cases of mail fraud, assist in reducing identity theft and eliminate misplaced account statements. Any legal notices and disclosures that normally accompany your mailed statement will be delivered to you electronically to the Internet address you provide that Minnwest maintains in its then current records. There will be up to 12 months of statements online for your reference as they accumulate after your enrollment date.

Changes to Your Email Address


It is your responsibility to ensure we have the ability to provide you with e-Statements and you must notify us if your e-mail address changes. Please notify us if you do not receive e-mail communications from us after enrollment. In such event, we reserve the option, but are under no obligation, to discontinue sending e-Statements and change delivery back to paper delivered by US mail until the problem is corrected. You may change your e-mail address by left clicking on the “Options” button in the upper right hand corner of your screen. Scroll to the e-mail section. Left click on the “Edit” button. Type in the new e-mail address, and then retype the e-mail address. Left click on Submit. This will update your e-mail address and your profile information.

Canceling e-Statement Request


Your consent to receive e-Statements remains effective until you withdraw your consent. However, you may withdraw your consent to receive e-Statements at anytime without cost. To cancel your request of receiving e-Statements and revert back to paper mailing via US mail, please contact us by one of the following methods:

  1. By sending us an e-mail to the e-mail address listed for your bank location;
  2. In person at your nearest location; or
  3. By contacting us by mail at your branch address.

Troubleshooting Q&A


Q: I am having trouble signing onto Internet Banking. What should I do?

A: Verify that you have: Selected the correct location, marked the correct box for “Personal” or “Business”. The user name and password are case sensitive. Make sure your number lock and the Scroll Lock buttons are not turned on. If none of these self helps work, contact your local bank. Please refer to the minimum computer requirement section of this agreement for additional information.

Q: How do I get last month's statement?

A: Log into Internet banking. Left click on the account number you wish to view. In the black menu bar, left click on “Documents”. Select the Document Type: Checking Account Statement with Images or Checking Account Statement Without Images or Savings Account Statement. The statement with images may take longer to open up. When the Document window is displayed, left click on the statement date you wish to view. This will open up the statement on your screen.

Q: How do I print my statement?

A: Log into Internet banking. Left click on the account number you wish to view. In the black menu bar, left click on “Documents”. Select the Document Type: Checking Account Statement with Images or Checking Account Statement Without Images or Savings Account Statement. The statement with images may take longer to open up. When the Document window is displayed, left click on the statement date you wish to view. Once the statement is open on your screen, right click in the document and click on “Print”, or click on the Print icon from the menu bar to print the statement.

Q: How do I save my statement?

A: Log into Internet banking. Left click on the account number you wish to view. In the black menu bar, left click on “Documents”. Select the Document Type: Checking Account Statement with Images or Checking Account Statement Without Images or Savings Account Statement. When the Document window is displayed, right click on the statement date you wish to save. Select “Save Target As”. When the “Save As” window comes up, navigate to the location where you want to save the statements. You can save the statements to your C: drive, or to a CD. Change the File Name to something you can identify like CHECKINGMMYY.htm. Do not change the extension. Click on Save.

Q: How long will my statements be available?

A: Your checking accounts will be available for 12 months. After 12 months of statements have accumulated, the oldest month will be the first one to drop off. You may want to save your statements to another media for future reference. See “How do I save my statement” for instructions on how to do this.

Q: How do I know it is secure?

A: It features password-controlled system entry, a Thawte-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.* We require that you use the 128-bit secure versions of Internet Explorer and Netscape.
* You can help safeguard your information and the system by protecting your User ID and Password. Memorize them and keep them secure. Guard against Identity Theft: www.fdic.gov/consumers/consumer/guard/index.html.

Q: What are the rules and guidelines concerning passwords?

A: You select your password and can change it at any time. You are required to change your password the first time you access Online Banking. You should not use passwords associated with commonly known personal identification such as Social Security number, your name, names of children, dates of birth, etc. Except for the temporary password issued when you enroll, your password will never be known to bank personnel.

To establish a password follow these guidelines:

For more detailed information regarding security, please review our Security Statement.

Minnwest Bank Locations    
customerservice@minnwestbankgroup.com    
Beaver Creek
304 East First Ave.
Beaver Creek, MN 56116
(507) 673-2334
Belview
113 N. Main
Belview, MN 56214
(507) 938-4121
Danube
200 Oak Street
Danube, MN 56230
(320) 826-2525
Dawson
579 Pine Street
Dawson, MN 56232
(320) 769-2911
Eagan
1150 Yankee Doodle Road
Eagan, MN 55121
(651) 454-0004
Gibbon
1069 First Ave.
Gibbon, MN 55335
(507) 834-6577
Hammond
276 Center Street East
Hammond, MN 55991
(507) 353-3100
Lake Wilson
300 Broadway Ave.
Lake Wilson, MN 56151
(507) 879-3221
Luverne Downtown
116 E. Main St.
Luverne, MN 56156
(507) 283-2366
Luverne Hwy 75
800 S. Kniss
Luverne, MN 56156
(507) 283-9131
Marshall
301 Baseline Road
Marshall, MN 56258
(507) 532-1000
Minnetonka
14820 Highway 7
Minnetonka, MN 55345
(952) 230-9800
Montevideo - Downtown
107 North First St.
Montevideo, MN 56265
(320) 269-6565
Montevideo - Highway 7
1404 East Highway 7
Montevideo, MN 56265
(320) 269-5950
Morton
224 West Second St.
Morton, MN 56270
(507) 697-6116
Ortonville
21 Southeast Second St.
Ortonville, MN 56278
(320) 839-2568
Redwood Falls - Downtown
300 S. Washington
Redwood Falls, MN 56283
(507) 637-5731
Redwood Falls East
1275 East Bridge
Redwood Falls, MN 56283
(507) 637-5343
Rochester
331 16th Ave. NW
Rochester, MN 55901
(507) 288-0224
Sioux Falls
5001 South Louise
Sioux Falls, SD 57108
(605) 362-7070
Sioux Falls East
5324 East Arrowhead Pkwy
Sioux Falls, SD 57110
(605) 335-7171
Slayton
2565 King Ave.
Slayton, MN 56172
(507) 836-6141
St. Cloud
3130 Second St. S.
St. Cloud, MN 56301
(320) 253-6300
Tracy
250 Third St.
Tracy, MN 56175
(507) 639-4780


Member FDIC