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Virtual Branch Agreement & Disclosure Statement SERVICES TERMS AND CONDITIONS The following terms govern the manner in which CHOICE ONE (Us, We, Our) will provide Virtual Branch Account Access and
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Log in to your online banking account.
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Who needs virtual branch andor e-statements?

01
Individuals who prefer the convenience of managing their banking online.
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People who want to reduce paper clutter and promote environmental sustainability.
03
Those who prefer immediate access to their banking statements and account information.
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Virtual branch refers to the online platform or portal provided by a financial institution for customers to access banking services digitally. E-statements are electronic versions of paper statements that customers can view and download online.
Customers of a financial institution who opt for online banking services are required to access and file virtual branch and e-statements.
To fill out virtual branch and e-statements, customers need to log in to their online banking account, navigate to the statement section, and select the desired e-statement to view or download.
The purpose of virtual branch and e-statements is to provide customers with convenient and environmentally friendly access to their banking transactions and account information online.
Virtual branch and e-statements must include details of account transactions, balances, interest earned, fees charged, and any other relevant financial information.
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