Take the time to review the following requirements, checklists, and considerations regarding the online loan application.
Before beginning the application process, make sure that you have the following available:
The online loan application process generally follows the steps below, and takes approximately 15 minutes.
Note: This disclosure applies to communications that we provide to you in connection with any or all of your accounts, products and services accessible with Online Banking, or other Community Bank websites.
Please read this Electronic Communications Disclosure ("eCommunications Disclosure") thoroughly — it contains important information about your legal rights. This eCommunications Disclosure covers all of your accounts, products, and services with Community Bank (collectively, "Community Bank", "we", "us", and "our") accessible, either currently or in the future, through Online Banking, or other Community Bank websites. This includes, but is not limited to, the following account, product, and service types: deposit accounts, loan, and other online services. The words "I", "you" and "your" mean each account holder, product owner and/or service user identified on an account, product or service.
Certain laws require us to provide specific information to you in writing, which means you have a right to receive that information on paper. We may provide such information to you electronically if we first present this eCommunications Disclosure and obtain your consent to receive it electronically. Your consent will also apply to any other person named on your account, product or service, subject to applicable law. Since the Online Banking website or Community Bank public website includes some of this information, you must consent to this eCommunications Disclosure in order to use these services. At times, we may still present you with paper disclosures, but as a basic proposition we need to know that you are willing to receive disclosures and other information electronically that otherwise must be provided on paper and that you have the hardware and software needed for access to this information (and note that in Section No. 3 below, we explain ways to obtain selected disclosures or other information on paper even after you have consented to this eCommunications Disclosure).
You understand and agree that Community Bank may provide to you in electronic format only, by posting the information on the website where you access your account, product or service, such as Online Banking or the Community Bank public website, or through e—mail (if applicable and if you have provided a valid e—mail address) agreements, disclosures, notices, and other information and communications regarding your accounts, services and products, the use of any Online Banking, or our other web services, your relationship with us, and/or other programs, products or services that are or may be in the future made available to you ("Communications"). Such Communications may include, but are not limited to:
After you consent to this eCommunications Disclosure, you will still be able to set your preferences to receive certain Communications in (1) both electronic and paper format; (2) electronic format only; or (3) paper format only. Setting your Communications preferences may not be available for all products, accounts or services. For more information on the availability of your electronic communications preference management options, please refer to the appropriate electronic communications preference page on the website where you access your Communications. If you decide to receive some Communications in paper and some electronically, the Communications that you receive electronically will be governed by this eCommunications Disclosure.
While you may be able to access and retain the Communications using other hardware and software, your personal computer needs to support the following requirements:
Most Communications provided within Online Banking, or at other Community Bank websites are provided either in HTML and/or PDF format. For Communications provided in PDF format, Adobe Acrobat Reader 6.0 or later versions is required — A free copy of Adobe Acrobat Reader may be obtained from the Adobe website at get.adobe.com/reader/.
In certain circumstances, some Communications may be provided by e—mail. You are responsible for providing us with a valid e—mail address to accept delivery of Communications.
To print or download Communications you must have a printer connected to your computer or sufficient hard—drive space (approximately 1 MB) to store the Communications.
Subject to applicable law, you may withdraw your consent to this eCommunications Disclosure by calling the appropriate toll—free customer service phone numbers. For Online Banking the customer service phone numbers are available through the Contact Us Page. You will not be charged a fee for withdrawal of your consent.
For Online Banking, if you withdraw your consent, we may stop providing you with Communications electronically and we may terminate your Online Banking access. Your withdrawal of consent is effective only after you have communicated your withdrawal to Community Bank by calling the appropriate customer service phone numbers and Community Bank has had a reasonable period of time to act upon your withdrawal. Your consent shall remain in force until withdrawn in the manner provided in this section.
Remember that you can always set your Communications preferences as described in Section 3 above without withdrawing your consent to this eCommunications Disclosure.
Consent Coverage; Certain Notices From You Are Not Covered. Applicable law or contracts sometimes require you to give us "written" notices. You must still provide these notices to us on paper. Your consent here does not relate to those notices.
You may print or make a copy of Communications by using the "Print" button (or otherwise using your printing functionality) or saving a copy — do this when you first review the Communications because after submission we do not necessarily keep them all in a place that you can access. Upon request, we will provide you with a paper copy of any Communications provided electronically by Community Bank to you pursuant to this eCommunications Disclosure, provided we receive your request within 12 months after the date the Communication was first made available to you electronically. You may request a paper copy of these Communications by calling us at the appropriate toll—free customer service phone number for your account, product or service. Please refer to the Customer Hotline link or the “Contact Us” link within the Community Bank public website or Online Banking to find the appropriate customer service phone number. In Online Banking, you may also access certain documents through the Service Center link.
Be sure to specify your account, service or product identification number, as applicable, the specific Communication for which you are requesting a paper copy, and the address to which it should be mailed. We may charge fees for paper copies of the Communications.
In the event that your e—mail address or other contact information is changed, you must notify Community Bank of such changes immediately through one of the following methods:
Community Bank is a Department of Defense owned banking program operated through a contract with a commercial financial institution. The Defense Finance and Accounting Service, in coordination with the Military Service banking representatives, is responsible for the oversight and management of Community Bank. Community Bank is referred to as "Community Bank" "the Bank" "we" or "us" within this policy.
Community Bank does not sell or share any customer information with marketers outside Community Bank, who may want to offer you their own products and services. You don't need to take any action for this benefit.
Keeping financial information secure is one of our most important responsibilities. We maintain physical, electronic and procedural safeguards to protect customer information. Personnel are authorized to access customer information only when they need it to provide you with accounts and services or to maintain your accounts. Our personnel are bound by a code of ethics that requires confidential treatment of customer information and are subject to disciplinary action if they fail to follow this code.
When you visit our website, we may collect the following information in order to service your accounts, save you time and money, and better respond to your needs:
We do not sell or share customer information with marketers outside Community Bank who may want to offer you their own products and services. We may share any customer information outlined in this policy with our family of companies and/or companies that work for us. All companies that act on our behalf are contractually obligated to keep the information we provide to them confidential, and to use the customer information we share only to provide the services we ask them to perform for you and us. These companies may include financial service providers such as payment processing companies, and non-financial companies such as check printing and data processing companies. These companies might assist us, for example, in processing your transactions, mailing account statements and fulfilling your service requests.
We also may share customer information we collect about you with credit bureaus and similar organizations, and when required or permitted by law. For example, customer information may be disclosed in connection with a subpoena or similar legal process, a fraud investigation, to companies that process your requests for products or services, or the sale of your account to another financial institution. We may also share customer information outside Community Bank if we have your consent.
Keeping your account information accurate and up to date is very important. You have access to your account information through various means, such as account statements, telephone banking, online banking, mobile banking, and in response to specific requests. If your account information is incomplete, inaccurate or not current, please call or write to us at the telephone number or address listed on your account statement, bank records or other documentation. We will promptly update or correct any erroneous information. If you have questions or feel that we have not handled information about you properly, please contact our Customer Service center, and we will investigate your inquiry or complaint.
When completing your online loan application, the process works best with Microsoft Internet Explorer 8. If you experience problems with completing the online application, visit your local banking center to apply with an associate.