HOW TO CONFIRM YOUR PRE-AUTHORIZED DIRECT DEPOSIT

If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at 651-489-8811 to find out whether or not the deposit has been made.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS (FOR CONSUMERS ONLY)

Telephone or write us at the location indicated on the statement face 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 it 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 to do this we will credit your 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.

WHAT TO DO IF YOU THINK YOU FIND A MISTAKE ON YOUR CREDIT LINE STATEMENT

If you think there is an error on your statement, write to us on a separate sheet of paper at the location indicated on this statement face. In your letter, give us the following information:

         Account Information: Your name and account number.

         Dollar Amount: The dollar amount of the suspected error.

         Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

While we investigate whether or not there has been an error, the following are true:

         We cannot try to collect the amount in question, or report you as delinquent on that amount.

         The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.

         While you do not have to pay the amount in question, you are responsible for the remainder of your balance.

         We can apply any unpaid amount against your credit limit.

 

HOW YOUR INTEREST CHARGE IS CALCULATED

         We will begin to earn the interest charge when we make a loan to you.

         The daily periodic percentage 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.

         The interest charge is calculated by multiplying the daily periodic percentage rate by the principal balance each day. Then we add up the interest charge for each day of the billing cycle. This gives us the total interest charge for the billing cycle.

         If you have a variable rate plan, your daily periodic percentage rate may vary.

 

PAYMENTS

The minimum periodic payment required is shown on the front of this statement. Payments shall be applied first to any unpaid interest charges, and second to the principal loan balance outstanding in your loan account. You may pay off your loan account balance at any time, or make voluntary additional payments. Payments may be automatically charged to your account. Send payments and inquiries to the address shown on the front of this statement. Payments received after the close of business shall be deemed received on the following business day for the purpose of crediting your account. Business days are Monday through Friday, excluding federal holidays.

 

 

 

Balance my Checkbook

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.