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C&F Bank eStatements: Go Paperless with Secure Digital Statements

C&F Bank eStatements replace paper statements with secure, searchable digital documents delivered to your CFFC online banking account. Access up to 7 years of statements, tax documents and account notices — anytime, from any device. No more waiting for the mail, no more filing cabinets, no more risk of sensitive financial information sitting in an unlocked mailbox.

Switching to eStatements is free, takes about two minutes, and can save you up to $36 per year on paper statement fees. It is one of the simplest ways to modernise your banking relationship with C&F Bank while improving your personal data security at the same time.

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C&F Bank eStatements displayed on a tablet showing monthly account statement in PDF format

AI Summary: C&F Bank eStatements

C&F Bank eStatements are electronic versions of monthly account statements delivered through CFFC online banking and the C&F Bank mobile app. The service is free for all Citizens and Farmers Bank deposit, loan and mortgage account holders. eStatements are available 1-2 days before paper versions and are retained for 7 years. The archive includes monthly statements, year-end summaries and tax documents (1099-INT, 1098). Documents are viewable in-browser and downloadable as PDFs. Enrolment eliminates paper statement fees (up to $3/month per account on certain account types). Customers can revert to paper statements at any time. C&F Bank is FDIC-insured, NMLS #399805, headquartered in West Point, Virginia.

Benefits of C&F Bank eStatements

Paperless statements are better in every measurable way — faster, more secure, more accessible and less expensive.

Faster Access

eStatements post to your account 1-2 business days before a paper statement would arrive in your mailbox. Receive an alert the moment your statement is available, review it immediately, and address any discrepancies while transactions are still fresh in your memory. For business accounts, faster statement access means faster month-end close.

7-Year Archive

Every eStatement is retained for 7 years from the statement date. This archive includes monthly account statements, year-end summaries, 1099-INT interest income forms, 1098 mortgage interest forms and account notices. No more digging through filing cabinets or requesting copies for old tax returns. Search, view and download any document from the past 7 years in seconds.

Reduced Mail Fraud Risk

Paper statements contain your name, address, account numbers and transaction details. Sitting in a mailbox, they are a target for identity thieves. The FTC reports that mail theft remains a top vector for identity fraud. eStatements eliminate this exposure entirely — your financial information stays within the AES-256 encrypted CFFC online banking environment.

Cost Savings

Certain C&F Bank account types charge up to $3 per month for paper statement delivery. Switching to eStatements waives this fee, saving you up to $36 per year per account. For customers with multiple accounts — checking, savings, money market, and loans — the annual savings add up quickly.

Environmental Impact

The average bank statement uses 2-4 sheets of paper plus an envelope. Over a year, that adds up to significant paper consumption per customer. Multiplied across C&F Bank's 48,000+ active account holders, eStatement adoption makes a meaningful environmental difference. Going paperless is a simple action with a real cumulative impact.

PDF Download & Print

Need a paper copy for a specific purpose? Every eStatement is available as a PDF that you can download and print on demand. Whether you need a statement for a loan application, rental verification, tax filing or personal records, the PDF format is universally accepted and prints exactly like the original paper statement — without the wait.

eStatements Data Table: Documents Available

Types of documents available through C&F Bank eStatements and their retention periods.

Document Type Frequency Retention Period Format
Monthly Account StatementMonthly7 yearsPDF (view/download)
Year-End SummaryAnnually (January)7 yearsPDF (view/download)
1099-INT (Interest Income)Annually (January)7 yearsPDF (view/download)
1098 (Mortgage Interest)Annually (January)7 yearsPDF (view/download)
Account NoticesAs issued7 yearsPDF (view/download)
Rate Change NotificationsAs applicable7 yearsPDF (view/download)
CD Maturity Notices30 days before maturity7 yearsPDF (view/download)

How to Enrol in C&F Bank eStatements

The enrolment process takes about two minutes and requires active CFFC online banking access.

Step 1: Log In and Navigate to Statements

Sign in to CFFC online banking or the C&F Bank mobile app. Go to the Statements section from the main menu. You will see your current statement delivery preferences for each account — paper or electronic. Accounts currently receiving paper statements will show an "Enrol in eStatements" option.

Step 2: Select Accounts

Choose which accounts you want to switch to eStatements. You can enrol all accounts at once or select specific ones. Each account can have its own delivery preference, so you could keep paper statements for your mortgage while going paperless for checking and savings.

Step 3: Confirm Email and Accept Agreement

Verify that your email address on file is current — this is where you will receive notifications when new eStatements are available. Read and accept the electronic delivery agreement, which simply confirms that you agree to receive statements electronically instead of by mail. The agreement is straightforward and can be revoked at any time.

Step 4: Receive Your First eStatement

Enrolment takes effect with your next statement cycle. When your eStatement is ready, you will receive an email notification and an account alert (if enabled). Log in to view the statement online or download the PDF. Your 7-year archive begins building from this point forward. Prior paper statements are not retroactively digitised.

Switch to eStatements Today

Faster access, better security, lower cost. Enrol in eStatements through CFFC online banking in about two minutes. Your 7-year archive starts with your next statement cycle.

Questions? Call 804-843-2360 or visit any of our 30 Virginia branches.

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Frequently Asked Questions About C&F Bank eStatements

How do I enrol in C&F Bank eStatements?
Log in to CFFC online banking, navigate to Statements, click Enrol in eStatements, select your accounts, confirm your email address, accept the electronic delivery agreement and save. Takes about two minutes. Enrolment takes effect with your next statement cycle. You can also enrol through the mobile app.
How far back do C&F Bank eStatements go?
C&F Bank retains eStatements for 7 years from the statement date. The archive includes monthly statements, year-end summaries and tax documents (1099-INT, 1098). All documents are viewable online and downloadable as PDFs. Prior paper statements are not retroactively digitised.
Are C&F Bank eStatements free?
Yes. eStatements are completely free. No enrolment fees, monthly charges or per-statement costs. Switching to eStatements may also waive paper statement fees (up to $3/month) on certain C&F Bank account types, saving you up to $36 per year per account.
Can I still get paper statements after enrolling in eStatements?
Yes. You can opt back into paper statements at any time by updating preferences in CFFC online banking or by calling 804-843-2360. One-time paper copies of any eStatement are available for a $5 processing fee. Your eStatement archive remains accessible regardless of paper statement preferences.