Please examine immediately and report if incorrect.  If no reply is received within 10 days the account will be considered correct. 

In Case of Errors or Questions about Your Electronic Transfer

TELEPHONE OR WRITE US AT 

515-386-2131 OR

HOME STATE BANK

 PO BOX 351

 JEFFERSON, IA 50129

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.

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 your 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 to do this, 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 us to complete our investigation.

YOUR CASH RESERVE INFORMATION AND/OR HOME EQUITY LOAN INFORMTION IS OUTLINED BELOW

1.       A FINANCE CHARGE on loans is imposed from the day each loan is made up until the day the bank receives your payment and the balance in your account is paid in full.

2.       There is no FINANCE CHARGE on unpaid finance charges.

3.       The FIANNCE CHARGE shown on this statement was computed by applying the daily periodic rate to the balance of your account each day in the billing cycle.  To get each day’s balance the bank takes the beginning balance of your account for the day, adds any new loans, and subtracts any payments or credits and any unpaid finance charges.  This computation is done for each day in the billing cycle, and the total of these amounts is the FINANCE CHARGE for the billing cycle.

4.       Payments automatically deducted from your deposit account, or otherwise received from you, are applied first to FINANCE CHARGES and then to principal.

5.       The Previous Balance on your next statement will be the same amount as the New Balance shown on this statement.

BILLING RIGHTS SUMMARY

In Case of Errors or Questions About Your Cash Reserve and/or Home Equity Loan Billing Statement:

If you think your billing statement is wrong, or you need more information about a transaction on your statement, write us at the address above 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, 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 parts of 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 in question.  You can stop future automatic deductions from your deposit account for any amount you think is wrong.  To stop a payment by automatic deduction from your account, your letter must reach us three (3) business days before the automatic payment is scheduled to occur.

 

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.