To me, paperless means they ATTACH MY STATEMENT TO THE EMAIL. Not signing up to any paperless until they do, none yet have met this bar. The statement is supposed to be a snapshot of the status of the account at a given moment, if you have to open their website to view it they could regenerate it from whatever crap data they have lying around at the given moment. If it can change every time you look at it, it's a quantum statement, it's not a snapshot, it's a vibe. This defeats the entire purpose of getting a statement, I don't know how anyone tolerates this.

I tolerate it when I get a fixed period statement and can download to review and archive. I don't treat the website as my archive, nor would I treat the email system as my archive. It's just the delivery mechanism.

And they are for the well-defined accounting periods, e.g. monthly or quarterly, not some sort of ephemeral "rollup to time of download". That would drive me mad if they had different periods depending on download timing.

I can't know for certain, but my gut tells me they are just generating PDFs at the same time they perform the general reporting run that also leads to printed statements. And then they have some limited retention history to limit the storage costs.

Many places don't attach the statement because it has sensitive information. Add that with "email is not secure" which we've been yelling for years (well, me since 1996). Sending it via email is risk exposure for them.

Unfortunately for quite a few people in non-Western states with whom I share my email, I now have their paystubs and insurance receipts and so on. They just sent me the email after someone either made an error in data entry or optimistically assumed they have first.last@gmail.com

they send important (financial?) documents over email???? who tf does that what vendor is this