The last update to our Terms of Use – May 3, 2024.

This web page represents a legal document that serves as our Terms of Use and it governs the legal terms of our website,, sub-domains, and any associated web-based and mobile applications (collectively, “Website”), as owned and operated by Community Healthcare Credit Union.

Capitalized terms, unless otherwise defined, have the meaning specified within the Definitions section below. This Terms of Use, along with our Privacy Policy, any mobile license agreement, and other posted guidelines within our Website, collectively “Legal Terms”, constitute the entire and only agreement between you and Community Healthcare Credit Union, and supersede all other agreements, representations, warranties and understandings with respect to our Website and the subject matter contained herein. We may amend our Legal Terms at any time without specific notice to you. The latest copies of our Legal Terms will be posted on our Website, and you should review all Legal Terms prior to using our Website. After any revisions to our Legal Terms are posted, you agree to be bound to any such changes to them. Therefore, it is important for you to periodically review our Legal Terms to make sure you still agree to them.

By using our Website, you agree to fully comply with and be bound by our Legal Terms. Please review them carefully. If you do not accept our Legal Terms, do not access and use our Website. If you have already accessed our Website and do not accept our Legal Terms, you should immediately discontinue use of our Website.


  • The terms “us” or “we” or “our” refers to Community Healthcare Credit Union, the owner of the Website.
  • A “Visitor” is someone who merely browses our Website, but has not registered as Member.
  • A “Member” is an individual that has registered with us to use our Service.
  • Our “Service” represents the collective functionality and features as offered through our Website to our Members.
  • A “User” is a collective identifier that refers to either a Visitor or a Member.
  • All text, information, graphics, audio, video, and data offered through our Website are collectively known as our “Content”.

Legal Compliance

You agree to comply with all applicable domestic and international laws, statutes, ordinances, and regulations regarding your use of our Website. Community Healthcare Credit Union reserves the right to investigate complaints or reported violations of our Legal Terms and to take any action we deem appropriate, including but not limited to canceling your Member account, reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to your profile, email addresses, usage history, posted materials, IP addresses and traffic information, as allowed under our Privacy Policy.

Intellectual Property

Our Website may contain our service marks or trademarks as well as those of our affiliates or other companies, in the form of words, graphics, and logos. Your use of our Website does not constitute any right or license for you to use such service marks/trademarks, without the prior written permission of the corresponding service mark/trademark owner. Our Website is also protected under international copyright laws. The copying, redistribution, use or publication by you of any portion of our Website is strictly prohibited. Your use of our Website does not grant you ownership rights of any kind in our Website.

Links to Other Websites

Our Website may contain links to third party websites. These links are provided solely as a convenience to you. By linking to these websites, we do not create or have an affiliation with, or sponsor such third party websites. The inclusion of links within our Website does not constitute any endorsement, guarantee, warranty, or recommendation of such third party websites. Community Healthcare Credit Union has no control over the legal documents and privacy practices of third party websites; as such, you access any such third party websites at your own risk.


A cookie is a small piece of information that a website stores directly on the computer you are using. Cookies may contain a variety of information from a simple count of how often you visit a website to information which allows customization of a website for your use. Community Healthcare Credit Union uses cookies to gather data about the usage of our website and to ensure that you have access to your account information. Anytime a cookie is used, personal information is encrypted for our use only and is protected from third party access (a cookie cannot be read by a website other than the one that sets the cookie).

eSign Disclosure and Consent for Community Healthcare Credit Union, Inc. (CHCU) Online Banking and Mobile Banking

Please read the following information carefully. By proceeding forward and signing this document by clicking “I Agree” at the end of this document, you are agreeing that you have reviewed the following disclosure and consent to conduct business using electronic communications, to receive any document or communication electronically, and to utilize your electronic signature in lieu of signing paper documents. As used in this disclosure, “document(s) or communication(s)” means any agreement, authorization, disclosure, notice, or other document related to your enrollment in CHCU online banking, CHCU Mobile Banking and your request for services on this website, including but not limited to any document or communication that we are required by law to provide you in writing.

Federal regulations require that we provide you with certain documents or communications: (1) at the time you contract for services and/or before you use those services for the first time and (2) when you authorize transfers from your deposit account to your or someone else’s account; and that the document or communication be in writing in a form that you may keep. The Electronic Signatures in Global and National Commerce Act (E-Sign Act) allows CHCU to provide you with documents or communications in electronic form rather than in written form and allows you to use your electronic signature in lieu of signing a paper document if you consent after we have provided you with the following information.

By clicking “I Agree” at the end of this document, you consent to use your electronic signature to sign any document or communication and to receive electronic delivery of any document or communication. You understand that your electronic signature is legally binding, just as if you had signed a paper document. If you do not click “I Agree”, you may not proceed to enroll in CHCU Online Banking, CHCU Mobile Banking, or and request any services on this website.

Note: Consenting to receive documents or communications electronically under this E-Sign Disclosure and Consent does not automatically enroll you in CHCU Online Banking, CHCU Mobile Banking or any services on this website and does not authorize electronic delivery of periodic statements. You must agree to the eSign Disclosure and Consent for eStatements on the eStatement page to receive periodic statements electronically.

All documents or communications may be viewed electronically on this website and saved by:

  • Printing paper copies;
  • Downloading and saving electronic copies;
  • Storing the hyperlink on your computer.

In addition, we may deliver documents or communications to you by any of the following methods: (a) by sending a notice, document, or communications to an email address you have provided us, (b) by making the document or communication available to you through CHCU Online Banking or CHCU Mobile Banking; (c) to a wireless device you have designated; (d) to the extent permissible by law, by access to a website that we will generally designate in advance for such purpose; or any other electronic means we have mutually agreed upon. Delivery of electronic documents or communications by any of these methods will be considered “in writing” and you intend that the electronic documents or communications have the same legal effect as written and signed paper documents or communications.

You may obtain a copy of any document or communication in paper form in addition to your access to the document or communication in electronic form at any time upon request.

You may receive a paper copy of any document or communication by contacting a CHCU Member Service Representative at our location, by calling CHCU at 860-643-3420 or 866-283-3420 or by submitting a copy request in writing to CHCU at 48 Haynes St, Manchester, CT 06040. The copy request must contain your account number, name, contact phone number and a description of the document or communication requested and must be signed by you. You will not be charged a copy fee for any document or communication without advance notification.

You have the right to withdraw your consent to have a document or communication made available to you in electronic form at any time.

There are currently no conditions, consequences or fees associated with you withdrawing your consent.

You may withdraw your consent to receive a document or communication electronically at any time. If you wish to do so, please notify us in writing to CHCU at 48 Haynes St, Manchester, CT 06040 or via email at and provide your name, mailing address, daytime telephone number, and a description of the document or communication from which you are withdrawing your consent.

In order to use electronic signatures and to receive and save any document or communication electronically, you must have:

A computer, mobile device, or other electronic device with internet access and

  • A secure internet browser with a minimum 128-bit encryption.
  • A program that reads and displays PDF files such as Adobe Acrobat Reader; and
  • An active email address.

You will be notified of any changes to the hardware and/or software requirements that may create a material risk that you will not be able to receive, view, print or save a document or communication.

To print and save your document or communication in electronic form using your computer, you will need:

  • A Printer (to print paper copies); and
  • A hard drive or other storage device (to download and save electronic copies).

To print and save your document or communication in electronic form using your mobile or electronic device, you will need:

  • A printer capable of printing the screen shots on your mobile or electronic device (to print paper copies); and
  • An electronic device capable of taking a screen shot that can be printed (to save electronic copies).

You will be notified of any changes to the hardware and/or software requirements that may create a material risk that you will not be able to receive, view, print or save a document or communication.

You are responsible for informing CHCU of any change in your email address or mobile phone number. You can update your contact information by visiting the CHCU branch or by contacting CHCU at 860-643-3420 or 866-283-3420.

Please print, download or take a screen shot of this page for your records before you click “I Agree” below. By clicking “I Agree”, you acknowledge that you have read and agree to the foregoing information and that you have the hardware and software described above. If you click “I Agree”, you will proceed to the CHCU Online Banking and Mobile Banking Agreement and Disclosure. If you do not click “I Agree”, you may not proceed to the CHCU Online Banking and Mobile Banking Agreement and Disclosure page.

Download eSign Disclosure and Consent

General Terms

Our Legal Terms shall be treated as though it were executed and performed in Connecticut, United States and shall be governed by and construed in accordance with the laws of Connecticut, United States without regard to conflict of law principles. In addition, you agree to submit to the personal jurisdiction and venue of such courts. Any cause of action by you with respect to our Website, must be instituted within one (1) year after the cause of action arose or be forever waived and barred. Should any part of our Legal Terms be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect. To the extent that any Content in our Website conflicts or is inconsistent with our Legal Terms, our Legal Terms shall take precedence. Our failure to enforce any provision of our Legal Terms shall not be deemed a waiver of such provision nor of the right to enforce such provision. The rights of Community Healthcare Credit Union under our Legal Terms shall survive the termination of our Legal Terms.