Electronic Consent Agreement for Online Account/Loan Opening

Please read this information carefully and print a copy and/or retain this information electronically for future reference.

You are submitting an application for South Carolina Federal Credit Union’s online account opening and/or loan application services. To proceed with the application, you need to consent to receiving certain disclosures electronically. This document informs you of your rights when receiving legally required disclosures, notices, and information ("Disclosures") from South Carolina Federal.

By completing and submitting an application through us, you acknowledge receipt of this document and consent to the electronic delivery of such Disclosures. All agreements with the Credit Union are subject to the terms and conditions of your Account Agreement and any other applicable Agreements and Disclosures.


Confirmation Code to enter for E-SIGN Consent: BLUE

Scope of Consent

Your consent to receive Disclosures and information, and to do business electronically, and our agreement to do so, applies to this Request and any future disclosures provided by us or transactions you conduct electronically.

Hardware and Software Requirements

To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: Internet Explorer 11 or above, Mozilla Firefox 63, Google Chrome 71 or above or equivalent software; hardware capable of running Adobe Acrobat. You may download Adobe Acrobat for free at https://get.adobe.com/reader/. For maximum performance, we recommend that you use the most up‐to‐date versions of Microsoft® Internet Explorer for Windows and Safari for Mac.

Withdrawing Consent

You understand that you may not withdraw consent as to the disclosures we will provide to you at this time with your online application. You may withdraw your consent to do further business electronically with us at no cost to you by contacting us as provided below. If you decide to withdraw your consent, the legal validity and enforceability of prior electronic Disclosures will not be affected.

Paper Copies

You may receive a paper copy of the disclosures by contacting us as provided below. There may be a fee for such paper copies as disclosed in the Truth in Savings Rate & Fee Schedule.

Changes to Your Contact Information

You should keep us informed and promptly notify us of any change in your electronic or mailing address using the contact information below. All communications via email will be sent to the last known email address provided by you. If you have not notified us of any change of your email address, you agree that your failure to provide us with a valid email address is the lack of ordinary care on your part.

Text Messages, Calls and/or Emails to You

By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us at that number and/or emails from us for our everyday business purposes (including identity verification). You acknowledge and agree that such calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system from us.

Contact Information

You can communicate with us in any one of the following ways:

  • Email: contactcenter@scfederal.org
  • Telephone: 843.797.8300 (Charleston), 803.738.8300 (Columbia), 843.545.8300 (Georgetown), 843.519.8300 (Florence) or 800.845.0432 (Nationwide)
  • Monday ‐ Friday 7:00 a.m. to 7:00 p.m. and Saturday 8:00 a.m. to 1:00 p.m. Eastern Standard Time
  • Postal Mail: P. O. Box 190012, N. Charleston, SC 29419
  • Financial Center: For a complete listing of our financial centers, please visit us at scfederal.org

CONSENT

BY COMPLETING AND SUBMITTING THIS REQUEST, I/WE CONSENT TO HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO ME/US IN ELECTRONIC FORM AND TO DOING BUSINESS WITH SOUTH CAROLINA FEDERAL ELECTRONICALLY. I/WE AGREE TO THE SAME TERMS THAT APPLY TO A SIGNED APPLICATION OR AGREEMENT; AND I/WE AGREE THAT SUBMITTING THIS CONSENT OR ACCEPTING THESE TERMS CONSTITUTES MY/OUR SIGNATURE AS THOUGH SAME WERE PHYSICALLY SIGNED BY ME/US. IF THERE IS A JOINT APPLICANT OR USER, I/WE REPRESENT AND WARRANT THAT SUCH JOINT APPLICANT OR USER HAS AUTHORIZED THE SUBMISSION OF THIS APPLICATION. THIS ELECTRONIC SUBMISSION/CONSENT QUALIFIES AS MY/OUR SIGNATURE FOR ALL PURPOSES AND USES WHATSOEVER.

YOUR ABILITY TO ACCESS DISCLOSURES

BY COMPLETING AND SUBMITTING YOUR REQUEST, YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE ELECTRONIC DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.