From time to time, Merck Employees Federal Credit Union (we, us or Company) may be required by law to provide to you certain written notices or disclosures. Described below are the terms and conditions for providing to you such notices and disclosures electronically through our electronic banking systems. Continuing in this process confirms your agreement to the Electronic Record and Signature Disclosure (ERSD) that follows. We encourage you to read the information below carefully and thoroughly.
Getting paper copies
At any time, you may request from us a paper copy of any record provided or made available electronically to you by us. If you wish for us to send you paper copies of any such documents from our office to you, you will be charged a $2.00 per-page fee. You may request delivery of such paper copies from us by contacting our offices at 732-484-4811 during regular business hours.
Withdrawing your consent
If you decide to receive notices and disclosures from us electronically, you may at any time change your mind and tell us that thereafter you want to receive required notices and disclosures only in paper format. You may request changes to this by contacting our offices at 732-594-3317 during regular business hours.
Consequences of changing your mind
If you elect to receive required notices and disclosures only in paper format, it will slow the speed at which we can complete certain steps in transactions with you and delivering services to you because we will need first to send the required notices or disclosures to you in paper format, and then wait until we receive back from you your acknowledgment of your receipt of such paper notices or disclosures.
All notices and disclosures will be sent to you electronically
Unless you tell us otherwise in accordance with the procedures described herein, we will provide electronically to you all required notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to you during the course of our relationship with you. To reduce the chance of you inadvertently not receiving any notice or disclosure, we prefer to provide all of the required notices and disclosures to you by the same method and to the same address that you have given us. Thus, you can receive all the disclosures and notices electronically or in paper format through the paper mail delivery system. If you do not agree with this process, please let us know as described below. Please also see the paragraph immediately above that describes the consequences of your electing not to receive delivery of the notices and disclosures electronically from us.
How to contact Merck Employees FCU:
You may contact us to let us know of your changes as to how we may contact you electronically, to request paper copies of certain information from us, and to withdraw your prior consent to receive notices and disclosures electronically as follows:
By phone: 732-484-4811 during regular business hours
By Mail: 126 E. Lincoln Avenue Rahway, NJ 07065
To advise Merck Employees FCU of your new email address
To let us know of a change in your email address where we should send notices and disclosures electronically to you, you must send an email message to us at memberservices@merckefcu.com and in the body of such request you must state: your previous email address, your new email address.
If at any time you created an account with one of our banking systems using that email address, you may need to update the address within that system separately.
Required hardware and software
The minimum system requirements for using our banking systems change regularly to ensure the highest level of security is maintained. To find out if you have the correct hardware/software, please visit https://www.merckcu.com/certified-device-list-mobile-banking.
