Please examine your account statement immediately and report to NorthStar Bank if incorrect. If no reply is received within 60 days the account will be considered correct.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS
If you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt, please telephone us at the phone number, or write us at the address shown on the front of this statement as soon as you can. We must hear from you no later that 60 days after we sent the FIRST statement in which the problem or error appeared.
1) Tell us your name and account number.
2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
3) Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occured within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not recieve it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.
If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.
YOUR OPEN-END ACCOUNT(S) SUMMARY OF RIGHTS IS OUTLINED BELOW
This is a summary of your rights; a full statement of your rights and our responsibilities under the Federal Fair Credit Billing Act will be sent to you both upon request and in response to a billing error notice.
Your Open-End Account(s) may be operated in conjunction with your Demand Deposit Account. Any charges for your checking account will be made to the Demand Deposit Account and they will be the same charges as are made for Demand Deposit Accounts not operated in conjunction with Open-End Accounts. The following information thus applies only to loans made to you under your Open-End Account line of credit.
WHAT TO DO IF YOU THINK YOU FIND A MISTAKE ON YOUR STATEMENT
If you think there is an error on your statement, write to us at:
2202 Central Ave.
Estherville, IA 51334
In your letter, give us the following information:
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.
While we investigate whether or not there has been an error, the following are true:
• We cannot try to collect the amount in question, or report you as delinquent on that amount.
• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
Balance Subject to Interest Rate. We figure a portion of the INTEREST CHARGE on your Open-End Account(s) by applying the daily periodic rate(s) to the “Daily Balance” of your account for the billing cycle. To get the “Daily Balance” we take the beginning balance of your account each day, add any advances, and subtract any payments or credits and unpaid interest and finance charges. This gives us the daily balance.
The minimum periodic payment required is shown on the front of this bill. You may pay off your Open-End Account(s) loan balance at any time, or make voluntary additional payments. Payments shall be applied, first to any unpaid INTEREST CHARGES, and second the principal loan balance outstanding in your Open-End Account(s). Periodic statements may be sent to you at the end of each billing cycle showing your Open-End Account(s) transactions.
Send payments and inquiries to address shown on front of bill.
Note: Payments received after close of business shall be deemed received on the following business day for purposes of crediting your account.
Balancing Your Checking Account
You may use this form to assist you in balancing your checking account to your statement. Please complete all the information for the Statement Balance and Check Register Balance forms, and click the Calculate buttons near the bottom of the page. When the Balances at the bottom of the page equals each other, (Adjusted Statement Balance and Adjusted Check Register Balance) you have balanced your checkbook! If the Adjusted Statement Balance and Adjusted Check Register Balance do not equal each other, make sure all the information entered is correct and complete, and calculate and compare balances again.
The Adjusted Statement Balance and Adjust Check Register Balance should equal each other. If they equal each other, you have balanced your checking account! If they do not equal each other, make sure all the information entered is correct and complete, and calculate and compare balances again.