Version 1.0.0 from 07/07/2025
This Electronic Disclosure Consent Agreement (“Consent”) applies to all communications and disclosures related to your Fort Knox Savings Account. It supplements, and is incorporated into, the terms of your Deposit Agreement Terms & Conditions. The words “we,” “us,” and “our” refer to Austin Capital Bank, the issuer of your Fort Knox Savings Account. The words “you” and “your” mean the individual(s) applying for or maintaining a Fort Knox Account. “Account” refers to your Fort Knox Savings Account.
1. Scope of Consent
By accepting this Consent, you agree that we may provide all legally required disclosures, agreements, notices, records, statements, documents, and other communications (collectively, “Communications”) relating to your Fort Knox Account electronically, to the maximum extent permitted by law. These Communications may include:
· This Electronic Disclosure Consent Agreement
· Your Deposit Agreement Terms & Conditions
· Privacy Policies and Notices
· Account statements, updates, and notices
· Legal and regulatory disclosures
· Marketing and service-related messages
You agree that all such electronic Communications satisfy any legal requirement that such Communications be “in writing.”
2. Delivery Methods
We will deliver electronic Communications to you via one or more of the following methods:
· By email to the email address you provide
· Through the Fort Knox mobile app
· By in-app messaging or push notification
· By SMS/text message to the mobile number you provide (where applicable)
You are responsible for maintaining up-to-date contact information with us, including your email address and mobile phone number. You can update your contact information by:
· Logging into the Fort Knox mobile app
· Calling us at (888) 913-8888
3. Requesting Paper Copies
You may request a paper copy of any electronic Communication by: · Emailing us at support@fortknox.bank
· Writing to: Austin Capital Bank, Attn: Fort Knox, 3305 Steck Ave, Suite 275 Austin, TX 78757
We will provide paper copies at no charge, provided your request is made within a reasonable time after the original electronic Communication was sent.
4. Text Message (SMS) Communications
You acknowledge and agree that we may send you informational and service-related text messages (SMS) as part of our communication with you. These may include transaction alerts, account updates, or identity verification codes.
· To opt out of SMS messages at any time, text “STOP” to 911007 from your mobile device or manage your preferences in the Fort Knox app. · For assistance with text messages, text “HELP” to 911007 or email support@fortknox.bank.
· Standard message and data rates may apply, as determined by your mobile service plan.
5. System Requirements
To receive and retain electronic Communications, you must have:
· A computer, smartphone, or other device with internet access
· A web browser supporting HTML and 128-bit encryption (e.g., Chrome, Firefox, Safari, Edge)
· Access to a printer or storage device to retain documents
· A valid email account
We may update these technical requirements as needed. If a change creates a material risk that you may not be able to access Communications, we will notify you at least 30 days in advance and provide the option to withdraw your Consent without penalty.
6. Withdrawal of Consent
You may withdraw your consent to receive Communications electronically at any time by:
· Calling (888) 913-8888 · Emailing support@fortknox.bank
· Writing to: Austin Capital Bank, Attn: Fort Knox, 3305 Steck Ave, Suite 275 Austin, TX 78757
Important: Withdrawal of this Consent will result in the termination of your Fort Knox Account, as we do not offer paper-based service. Your withdrawal will be effective after we have had a reasonable time to process it. All Communications previously delivered electronically will remain legally valid and enforceable.
7. Consent Under Federal Law
You are providing your consent to receive electronic Communications under the Electronic Signatures in Global and National Commerce Act (E-SIGN Act). Your electronic signature on this Consent and other agreements has the same legal effect as if signed in ink.
By checking the box or otherwise affirming your acceptance of this Consent, you:
· Acknowledge that you have read, understood, and accepted this Consent;
· Confirm that you meet the system requirements described above;
· Affirm that you have access to the means necessary to receive, view, download, and retain electronic Communications;
Agree to receive Communications from us electronically unless and until you withdraw your Consent.
Download Disclosure as PDF