INFORMATION FOR CUSTOMERS WITH ELECTRONIC TRANSFERS – CONSUMER ACCOUNTS ONLY
In case of errors or questions about your electronic transfers: Telephone the number on the front of the enclosed statement or write us at the address on the front of the statement as soon as you can, 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.
We will investigate your compliant and will correct any error promptly. If we take more than 10 business days to do this, we will recredit your account for the amount you think is in error, so you will have use of the money during the time it takes us to complete your investigation.
INFORMATION FOR CUSTOMERS WITH OVERDRAFT PROTECTION
We will begin to earn INTEREST CHARGES when we make a loan to you. The ACCRUED INTEREST CHARGE is calculated by multiplying the DAILY PERIODIC RATE by the PRINCIPAL BALANCE each day. Then, we add up the ACCRUED INTEREST CHARGE each day of the billing cycle. This gives us the TOTAL INTEREST CHARGE for the billing cycle. The DAILY PERIODIC RATE is the ANNUAL PERCENTAGE RATE divided by 365. To compute the PRINCIPAL BALANCE, we take the beginning balance of your account each day, add any new advances or loans and subtract any payments or credits and unpaid INTEREST CHARGES. If you have variable rate plan, your DAILY PERIODIC RATE may vary.
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill
If you think your bill is wrong or if you need more information about a transaction on your bill, write us on a separate sheet at the address shown on the front of this 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:
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.
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.