Paperless Statements

Enabling paperless statements means that users will no longer receive mailed statements, and instead receive statements electronically, with notifications provided by the financial institution or the statements provider. Paperless statements offer several advantages for your institution, including reduced operations costs and eliminating customer/member statement fees.

There are two methods for Narmi to retrieve electronic documents for use in web or mobile banking:

1. Single Sign-On (SSO) – We retrieve documents from a statement service provider and render an embedded experience in the web or mobile apps. With the SSO method, the statement service provider controls paperless statement enrollment within the embedded experience.
2. Application Programming Interface (API) – We retrieve the documents from a third-party API and render the documents on the web or mobile apps. With the API method, users can download documents in PDF format.

With these methods, and if Narmi has enabled the "Statements" feature for your institution, your users have on-demand document visibility via Narmi's web or mobile apps. In addition to the "Statements" feature, if Narmi has also enabled the paperless_statement_enrollment setting AND enabled the Core Update E-Statement setting for your institution, users can opt into paperless statements during Digital Banking enrollment on the web app, or anytime in their web or mobile settings. Please contact support@narmi.com to enable these settings.

By default, users cannot opt out of paperless statements once they opt in, but your institution can turn on the ability for users to opt out of paperless statements with the "paperless_statement_unenrollment" setting. Please contact support@narmi.com to enable this setting.

Accessing Paperless Statements from Digital Banking Enrollment

Users can opt-in to paperless statements via Digital Banking enrollment for consumers or businesses on the web app. For business users, only an Admin or Account Holder who enrolls can opt-in. Paperless statements are available in the Preferences page of the Consumer Enrollment flow or Business Enrollment flow. The preferences shown on this page may vary, depending on what your financial institution offers or requires, and whether it's a consumer or business.

In the Paperless statements section, users must select sample PDF to view a sample PDF statement to acknowledge their consent. Users cannot move forward with enabling paperless statements unless the PDF is viewed. Federal Law requires this acknowledgment, even if paperless statements were enabled in the past. Select Enroll to opt-in to paperless statements. Users can select Unenroll if they change their mind at any point during the Digital Banking enrollment flow. After completing the rest of the preferences, select Finish to proceed. 

A link to your institution's e-Sign Disclosure is provided onscreen. To update the e-Sign Disclosure link, go to the Admin Platform, and under Institution Settings, go to E-Sign URL.

Accessing Paperless Statements from User Settings

To opt-in to paperless statements via user profile settings in the web app:

1. From the name menu in the upper right corner, select Settings. The Profile tab appears, with the Paperless statements section on the right. Users must select sample PDF to view a sample PDF statement to acknowledge their consent. Users cannot move forward with enabling paperless statements unless the PDF is viewed. Federal Law requires this acknowledgment, even if paperless statements were enabled in the past.
   
   
2.  After viewing the sample PDF, select Enroll. Once enrolled, the date when paperless statements were last enabled appears on-screen.
   If your institution allows users to opt out of paperless statements, users can select Unenroll. A confirmation message appears when successful. If the user enrolls again later, they will need to view the sample PDF to acknowledge consent again.
   A link to your institution's e-Sign Disclosure is provided at the bottom of the dialog box. To update the e-Sign Disclosure link, go to the Admin Platform, and under Institution Settings, go to E-Sign URL.

To opt-in to paperless statements via the mobile app:

1. Select More in the bottom navigation bar and under My accounts, select Go paperless. 
   
   
2. On the paperless statements page, users must select sample PDF to view a sample PDF statement to acknowledge their consent. Users cannot move forward with enabling paperless statements unless the PDF is viewed. Federal Law requires this acknowledgment, even if paperless statements were enabled in the past.
   
3. After viewing the sample PDF, select Enroll.
   If your institution allows users to opt out of paperless statements, users can select Unenroll. If the user enrolls again later, they will need to view the sample PDF to acknowledge consent again.
   
   A link to your institution's e-Sign Disclosure is provided onscreen. To update the e-Sign Disclosure link, from the Admin Platform, go to Institution Settings > E-Sign URL.