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This disclosure documents your consent to conduct transactions electronically and to electronically receive disclosures and notices relative to the accounts you are applying to open with us online. The disclosure also describes your rights relative to conducting transactions electronically and to electronically receiving disclosures and notices, as well as the consequences of withdrawing your consent. We recommend you print and retain a copy of this disclosure and all the disclosures and agreements related to this transaction.

Once you consent, you will be able to apply to open accounts online. If you do not consent, you will not be able to apply online. Account opening is only available online. You understand, prior to consenting, that:

  1. Your consent applies to all disclosures and notices regarding your deposit accounts, including your periodic account statements;
  2. Even after consent, if you want to receive a paper copy of the disclosure in addition to the electronic disclosure you can obtain one free of charge by calling us or writing us at the number or address listed below. Future notices will continue to be delivered electronically unless you withdraw your consent, as described below;
  3. You have the right to withdraw your consent to receive electronic communications. Withdrawing consent will terminate the agreement and will terminate your Neighbors Bank account(s) and related services, including your use of the Neighbors Bank online banking and mobile applications. To withdraw your consent, please contact customer service by calling or writing us at the number or address listed below. This account will only be offered with electronic disclosures and notices;
  4. By consenting to conduct transactions and receive disclosures and notices electronically you agree to provide us with the information (such as a current email address) needed to communicate with you electronically and update us as to any changes in such information by calling or writing us at the number or address listed below.

We reserve the right to provide any disclosures or notices in writing, rather than electronically. Except as otherwise provided by law or in other agreements, you can give us all notices regarding your deposit accounts or your periodic statements, except for stop payment orders, by email using our then current email address, regardless of anything in this agreement to the contrary; however, we reserve the right to have any notices confirmed in writing upon our request.

Hardware and Software Requirements

The minimum computer hardware and software requirements to receive and keep the electronic disclosures and notices are:

  1. Either - A personal computer capable of running one of these compatible browsers:
    • Opera version 12 or higher.
    • Firefox version 38 or higher.
    • Safari version 7 or higher.
    • Chrome version 40 or higher.
    • Edge version 12 or higher
    • an Apple iPhone or iPad running iOS version 9.0 or higher.
    • an Android phone running Android version 4.1 or higher.
  2. Access to an active email account with an Email service provider.
  3. An internet connection and an up-to-date internet browser that is compatible with, and supported by, your operating system (e.g., Internet Explorer, Firefox, Google Chrome, or Safari)
  4. Software that accurately reads and displays .pdf files (such as Adobe Reader).
  5. A printer and/or storage device if you wish to print or retain any electronic documents.

Contact Information
(888) 597-7143
Neighbors Bank
1801 Westfall Drive
Columbia, MO 65202


By clicking "Accept" you consent to receive disclosures and notices electronically and to the terms and conditions as described above.

© 2007 Wolters Kluwer Financial Services, Inc. All rights reserved. ESIGNCONSENT 3/28/2007 201199918-010 EMOESGC2