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#2257563 - 08/03/21 02:01 PM Esign Customer ability to download or print
Myra18 Offline
Member
Joined: Jan 2011
Posts: 97
Before customers can use mobile banking, they must be enrolled in online banking. On our website, when they enroll or at any other time, they can access and download or print the e-banking agreement. We have had a customer complain that the document cannot be downloaded or otherwise retained by customers who choose to use mobile banking only. Given that customers must have online banking, do we have to make the agreement retainable via the mobile app? Not sure if that is even possible. Thanks!

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eBanking / Technology
#2257564 - 08/03/21 02:10 PM Re: Esign Customer ability to download or print Myra18
rlcarey Offline
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rlcarey
Joined: Jul 2001
Posts: 77,310
Galveston, TX
1. Before customers can use mobile banking, they must be enrolled in online banking.

2. We have had a customer complain that the document cannot be downloaded or otherwise retained by customers who choose to use mobile banking only.

If #1 is true, how is #2 possible?
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The opinions expressed here should not be construed to be those of my employer: PPDocs.com

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#2257565 - 08/03/21 02:43 PM Re: Esign Customer ability to download or print rlcarey
Myra18 Offline
Member
Joined: Jan 2011
Posts: 97
I believe their issue is that they choose to use the mobile app rather than the website and want everything available through the app.

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#2257593 - 08/03/21 06:48 PM Re: Esign Customer ability to download or print Myra18
rlcarey Offline
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rlcarey
Joined: Jul 2001
Posts: 77,310
Galveston, TX
Well, that appears to be their problem. To get to the mobile app, they have to go through your on-line banking portal. In that portal is your agreement to which they agree. This is not an E-Sign issue, because a legal agreement between two parties does not fall into the E-Sign provision for document delivery which includes: "if a statute, regulation, or other rule of law requires that information relating to a transaction or transactions in or affecting interstate or foreign commerce be provided or made available to a consumer in writing". Whether they can access or print a copy through the mobile app really is up to you.
_________________________
The opinions expressed here should not be construed to be those of my employer: PPDocs.com

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#2257646 - 08/04/21 11:56 AM Re: Esign Customer ability to download or print Myra18
Myra18 Offline
Member
Joined: Jan 2011
Posts: 97
Thank you!

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