IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS

Telephone or write us at our address or telephone number printed on the front page of this statement, if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt.  We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem 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 there is an error or why you need more information.

3.      Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly.  If we take more than 10 business days (5 business days if the transfer involved a point-of-sale transaction and 20 business days if the transfer involves a new account) we will recredit your account for the amount you think is in error, so that you will have use of the money during the time it takes to complete our investigation.

DISCLOSURE TO OVERDRAFT PROTECTION & HOME EQUITY LINE OF CREDIT CUSTOMERS

Billing Rights Summary

In Case of Errors or Questions About Your Statement

If you think your statement is wrong, or if your need more information about a transaction on your statement, write us on a separate sheet at the address shown on your statement as soon as possible.  We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared.  You can telephone us, but doing so will not preserve your rights.

In your letter, give us the following information:

Your name and account number.

The dollar amount of the suspected error.

Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about.

You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the amounts on your statement that are not in question.  While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question.

HOW FINANCE CHARGES ARE COMPUTED:

Home Equity Line of Credit

We figure the interest on your account by applying the periodic rate to the “average daily balance” of your account for each day in the billing cycle.  To get the “daily balance” we take the beginning balance of your account each day, add any new purchases/advances/fees, and subtract any unpaid interest or other finance charges and any payments or credits.  This gives us the daily balance.

Overdraft Line of Credit

We figure the interest on your account by applying the periodic rate to the “daily balance” of your account. To get the “average daily balance” we take the beginning balance of your account each day, add any new purchases/advances/fees, and subtract any unpaid interest or other finances charges and any payments or credits.  This gives us the daily balance.  Then, we add up all the daily balances for the billing cycle and divide the total number by the number of days in the billing cycle. This gives us the “average daily balance”.

 

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.

Top of Form

Statement Balance Form

First Step

Enter Ending Balance of this Bank Statement:

Next Step :
Go through your check copies/stubs or check register and mark off each check listed as paid, as well as deposits and withdrawals, on your statement.  If you have written a check, deposited funds/money, or made withdrawals not listed on your statement, follow the instructions below to complete the fill-in section. Complete this section first.

  • Enter type of transaction (unpaid checks, deposits, and withdrawals) shown in your register and not on your statement.
  • Enter amount of the transaction
  • The BALANCE column is computed for you when you click the CALCULATE button near the bottom of the page  

Transaction

Amount

Balance

.


Final Step :
Click "Calculate", and your final account balance will be displayed!

Adjusted Statement Balance:

Bottom of Form

Top of Form

Checkbook Register Balance Form

First Step:

Enter Check Register Balance:

Next Step:
Go through your checkbook register and compare recorded items to your statement.  If ATM transactions, interest, fees/charges, incoming transfers (to your checking account), and outgoing transfers (from your checking account) are not recorded already in your checkbook register, follow the instructions below to complete the fill-in section.

  • Enter type of transaction (ATM, interest, fee/charge, and transfers) shown on your statement and not in your register.
  • Enter amount of the transaction
  • The BALANCE column is computed for you when you click the CALCULATE button near the bottom of the page

Transaction

Amount

Balance

.


Final Step :
Click "Calculate", and your final book balance will be displayed!

Adjusted Check Register Balance:

Bottom of Form

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.