THE FOLLOWING REGULATORY DISCLOSURES APPLY TO CONSUMER ACCOUNTS ONLY

 

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS TELEPHONE US AT 515-288-0111

 

Write us at 627 E. Locust, Des Moines, IA  50309 as soon as you can, if you think your statement or receipts are 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. We will ask you to put your complaint in writing.

(1) Tell us your name (and account number, if any).
(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 determine whether an error occurred 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, 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. We will ask you to put your complaint (problem or error) in writing. If we do not receive it within 10 business days, we may not credit your account. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation.

 

 

YOUR CHECK AND RESERVE LINE OF CREDIT SUMMARY OF RIGHTS IS OUTLINED BELOW

 

This is 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 Check and Reserve line of credit is 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 a Check and Reserve line of credit. The following information thus applies only to loans made to you under your Check and Reserve Line of Credit.

 

 

NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR CHECK AND RESERVE LOAN STATEMENT

 

If you think your statement is wrong, or if you need more information about a transaction on your statement, write us on a separate sheet to 627 E. Locust, Des Moines, IA  50309 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:

(1) Your name and account number.

(2) The dollar amount of the suspected error.

(3) Describe the error and explain why you believe this is an error. If you need more information, describe the item you are not sure about.

 

We will investigate and respond within thirty days of receipt of the notice since you make your monthly payments by automatic withdrawal from your account. You may stop the payment on any amount you believe is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur.

 

You do not have to pay any amount  in question while we are investigating, but you are still obligated to pay the parts of your bill 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.

 

Loans are subject to finance charge from the date made. There is no “free” period within which you may pay the balance of your loans without incurring a finance charge. The finance charge is computed on the daily balance of the loans. The daily balance will be multiplied by the daily factor for interest rate at the number of days the balance is outstanding. The daily balance will reflect loans, payments and other charges or credit made that day.

 

The minimum periodic payment required is shown on your statement. You may pay off your Check and Reserve line of credit loan balance at any time, or make voluntary additional payments. Payments shall be applied, first to any unpaid FINANCE CHARGES, and second to the principal loan balance outstanding in your Check and Reserve line of credit. Periodic statements may be sent to you at the end of each billing cycle showing your Check and Reserve line of credit loan transactions.

 

Send payments and inquires to 627 E. Locust, Des Moines, IA  50309.

 

NOTE:  Payments received after close of business shall be deemed received in the following business day for purposes of crediting your account.

 

 

 

 


 

 

               

Tradition Capital Bank

 

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.

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:

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:

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.