This member has accepted the Use Agreement and has already logged into online banking.  You can prove this by using Tool #159: Audit CU File Maintenance Report or by Querying the CUFMNT table (file).

However, the credit union has subsequently enrolled the member in eStatements in CU*BASE.  Enrollment in this manner clears the Use Agreement date so that it the Agreement is presented again the next time the member logs into online banking.  (That way the member can agree to receiving "documents which are delivered to you electronically" - point #5 in the Agreement.)  CU*BASE is looking for a Use Agreement date after the eStatement enrollment.

If, however, the member enrolls in eStatements online, the date is not cleared.  By enrolling in this manner, the member shows they can receive eStatements.