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.

  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 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.

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: