Finastra’s white paper outlines best practices for electronic signatures and delivery in community banks and credit unions. It notes that paper-based processes frustrate customers and add costs, while e-signatures enhance digital transformation, efficiency, compliance, and customer experience. Legal frameworks—ESIGN and UETA—make e-signatures valid nationwide, though requirements differ. Key practices include securing consumer consent, piloting in-branch signing ceremonies, simplifying workflows, integrating with recordkeeping, and establishing clear policies. Institutions should launch strategically, train staff, and designate advanced users. Done well, e-signatures cut costs up to 75% and enable true 24/7 digital banking.

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