As used in this eStatement Disclosure and Agreement, “account” and “accounts” mean the ONB Bank deposit accounts in which you are either the owner or joint owner. “You,” “your,” and “yours” mean the person(s) using the Service. “We,” “our,” and us,” refer to ONB Bank that is the holder your deposit accounts.

You will get a monthly account statement from ONB Bank (hereafter referred to as Bank) for your checking, money market checking and money market investment accounts.
You will get a monthly account statement from the Bank for your savings accounts, unless there are no transfers in a particular month. In any case, you will get a savings account statement at least quarterly.

Electronic Statements: Upon enrollment for eStatements, we will prepare an electronic statement for your account(s) and provide a reminder on a monthly or quarterly basis, as applicable, of its availability. We will send this reminder to a working email address that you provide us.

To access your statement, you will be required to log in to Online Banking with your Login Name and Password to view, download and/or print the electronic statement. It is your responsibility to protect your Online Banking Login Name and Password from unauthorized persons. You agree that it is your responsibility to ensure that the electronic statement cannot be viewed by others.

You understand that by authorizing this eStatement service, you will no longer receive paper statements in the mail. You are responsible for notifying us of any change in your email address ten (10) days before the end of your normal statement cycle. Email us to send notification of an email address change. If your electronic email notification is returned as undeliverable, an attempt will be made to contact you. You understand that if you do not receive an email notification, it does not release you from the responsibility to review your electronic statement promptly and notify the bank of any errors within 60 days of the statement date.

By authorizing eStatement service, you consent to receiving other electronic communication from us including:

• Legal and regulatory disclosures
• Change in terms notices relating to your account
• Annual privacy notice

We reserve the rights to provide a paper copy of any communication you have authorized us to provide you electronically.

If you wish to discontinue this eStatement service at any time, please contact your branch office to stop the electronic statement and resume a paper statement. Please notify us at least ten (10) days before the end of your normal statement cycle. If, while using the eStatement service, you need a paper copy of a statement or disclosure, please contact your branch office. A fee may apply.
If any account you have requested to receive eStatements is a joint account, please be advised that only you will receive and be able to access the electronic communication for such account. Therefore, you are solely responsible for promptly and timely sharing any account statement, any statement-related information provided thereon, and any additional account communication with your joint account holder as needed or requested by such joint account holder.

All electronic statements shall be in full compliance with applicable laws and regulations. The provisions in this agreement are part of (and in supplement to) the bank’s Terms and Conditions and all applicable disclosures we have previously provided to you for Depository Accounts. You acknowledge that your consent to electronic statements and communication is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in global and National Commerce Act.

We reserve the right to discontinue E-Statements, or to terminate or change the terms and conditions on which we provide electronic communications. We will provide you with notice of any such termination or change as required by law.

You understand and agree that any disclosures that various banking laws and regulations require ONB Bank to provide or make available to you, concerning transactions in the Online Banking system, may be provided to you electronically, via the Internet. Note: You agree to receive and retain these electronic copies of disclosures for transactions that you have initiated on the Online Banking system. You may retain these electronic disclosures in your computer system and/or print them from your computer system. If you wish to initiate a paper-based transaction, or to receive a paper copy of an online transaction, you must visit one of the Bank’s offices.

There is no option to routinely receive paper copies of Online Banking transactions. If you wish to withdraw your consent to access and retain electronic disclosures, you must close your Online Banking account and conduct transactions using the ONB Bank paper based transaction system. To do this, please see a Customer Service Representative.

eStatements FAQ’s

What is an eStatement?

An E-statement is your account statement that is delivered to you electronically and E-statements are free!

Will my eStatement look the same as my regular paper statement?

Yes. Images of your cancelled checks and deposits are also included, if you currently receive those items.

How will I know when my statement is ready to be viewed online?

Every statement cycle, we will send you an e-mail containing your statement as an attachment. Double-click on the .PDF attachment to view your statement.

What is .PDF?

Adobe Portable Document Format (PDF) is a standard file format for distributing electronic documents. Adobe PDF files can be viewed, saved, and printed by using Adobe’s Acrobat Reader DC software.

What if I don’t have Adobe Acrobat Reader?

The basic Acrobat Reader DC software is available for free at http://www.adobe.com/.

What hardware requirements are needed to use the Adobe Acrobat Reader software?

You need a personal computer, tablet, or smart phone that is capable of running the Adobe Acrobat Reader software or mobile app, as applicable. See below for specific requirements:


Acrobat Reader DC 32-bit

• 1.5GHz or faster processor
• Windows 10 (32-bit and 64-bit), Windows 8, 8.1 (32-bit and 64-bit) with Windows update 2919355 installed, Windows 7 SP1 (32-bit and 64-bit), or Windows Server – 2008 R2 (64-bit), 2012 (64-bit), 2012 R2 (64-bit) ) with Windows update 2919355 installed, 2016 (64-bit), or 2019 (64-bit)
• 2GB of RAM
• 380MB of available hard-disk space
• 1024×768 screen resolution
• Internet Explorer 11
Acrobat Reader DC 64-bit
• 1.5GHz or faster processor
• Windows 10 (64-bit), Windows Server 2016 (64-bit), or Windows Server 2019 (64-bit)
• 2GB of RAM
• 900MB of available hard-disk space for English; 1GB of available hard-disk space for other languages
• 1024×768 screen resolution
• Internet Explorer 11


Acrobat Reader DC

• Intel processor
• macOS v10.13, macOS v10.14, macOS v10.15, or macOS v11
• 2GB of RAM
• 380MB of available hard-disk space
• 1024×768 screen resolution
• Safari 10.0 or 11.0 (browser plug-in for Safari supported on 64-bit Intel processor only)
Mobile apps
• Adobe Acrobat Reader: iOS, Android, Windows Phone
• Adobe Scan: iOS, Android
• Adobe Fill & Sign: iOS, Android

How do I save my eStatements?
Once you have opened your eStatement, you can save it using the small disk icon on the toolbar of your Adobe Acrobat Reader software. Provide a name for the file using a .pdf extension. Select a name that will help you remember which statement the file contains (e.g. CheckingJanuary2010.pdf).

How do I print my eStatement?
Again, by using the Adobe Acrobat Reader toolbar, press the printer icon. You can either print the entire statement or just a particular page.

What if I enroll but decide I want to change back to paper statements?
You must notify us in writing of your request.

What if I change my e-mail address?
You must notify us in writing of your new e-mail address.

Another benefit of eStatements is the ease in which you can share your bank statement with your accountant. By being able to forward your email statement, you will save time and money.

975 34TH AVE NW
(507) 280-0621
Member FDIC
Equal Housing Lender

Effective 5/12/2021