Accept or decline

So the password for signing in on line to review transactions on a certain bank account finally arrived in the mail, along with advice to change it immediately. The transaction page, however, was never reached. Logging in proceeded perfectly, but the first page up thereafter was a lengthy "acceptance of terms" document. One of the terms is that the institution may at any time of its choice substitute on-line access for monthly reports and returned checks (that is, as many checks as are still returned following the implementation of the recent federal "check 21" statute).