Is it acceptable to post disclosures (i.e. EFT Agreement, Funds Availability Disclosure) on your webpage so they can be accessed at anytime by anyone? We currently provide them at account opening.

A lot of banks post them on line. If you mean in lieu of actually delivering them at account opening, that answer would be no. If you are not handing them paper, you would need to deliver them via E-Sign, which using E-Sign to deliver them prior to account opening becomes a real challenge.

Unless a disclosure is transaction or customer specific, you can hand them out (electronically, in this case) like any other "take one" item. The important distinction, as Randy advises, is that offering disclosures is not the same as delivering them. Even if you're not required to obtain customer-by-customer receipts, you will have to prove (to your regulator) that your delivery methods are reliable.

Thanks guys! I've noticed that several banks have them available online. We will not be changing our "delivery" methods.

One question I thought of overnight....we obtain several of our disclosures from a third party vendor. Is it acceptable from a legal/copyright standpoint, to repost their form on your site?

you need to look to your agreement with your vendor regarding that.