We are over one and a half years into the COVID-19 pandemic, over 500 days and 13,000 hours … not that anyone’s counting. We’ve all gotten the hang of working from home and managing our business from home. And if you haven’t taken steps to serve your customers from home, there’s no time like the present. Banks, large and small, are in the unique position of helping consumers and businesses obtain and maintain access to credit during these unprecedented times. Inevitably, your customers have needed to originate new loans; defer, extend, and modify existing loans; and open deposit accounts online, among other things. As a result, the use of “remote channels” has gone from “nice to have” to “need to have.” Over the past year, we have counseled many bank clients in their migration to electronic signatures. Below we highlight both practical and legal considerations that may need to be tackled as you consider implementation thereof.