It is your choice. Part of the E-SIGN dance is that you inform the consumer on how the disclosures, statements, etc. will be delivered. You essentially have three options -- Push delivery, in which you send the applicable document (we have to assume you can do it securely); pull deliver with notice, in which you notify the consumer via email that the document is available for download (usually it's behind your internet banking security); or pull delivery without notice for statements, with notice for unscheduled items.
Based only on discussions here in the threads, I believe most banks use pull delivery systems.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8