E-mailing Overdraft and NSF Notices to Customers

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Question:

We currently mail overdraft and insufficient funds notices to customers. Is it permissible to send these via e-mail if agreeable with the customer? If so, are there specific parameters governing this?

Answer:

Neither of these notices is one that is required by law to be written. Therefore, you don't have to conform to Esign rules, but you would want customer approval.

That said, you most definitely should be sure not to include any personal customer information (such as complete account numbers) in the email unless it's encrypted.

First published on BankersOnline.com 11/21/05