HOW TO BALANCE YOUR ACCOUNT
1. Subtract from your check register any service, miscellaneous, or automatic charge(s) posted on this statement.
2. Mark (x) your register after each check listed on front of statement.
3. Check off deposits shown on the statement against those shown in your check register.
4. Complete the balance form.
5. The final “balance” on the form should agree with your check register balance. If it does not, read “HINTS FOR FINDING DIFFERENCES” below.
HINTS FOR FINDING DIFFERENCES
Recheck all additions and subtractions or corrections.
Verify the carryover balance from page to page in your check register.
Make sure you have subtracted the service or miscellaneous charge(s) from your check register balance.
In Case of Errors or Questions About Your Electronic Transfers
If you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt, telephone us at 316-788-1111. 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 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 complaint and will correct any error promptly. If we take more than 10 business days (or 20 business days involving an electronic transfer that (A) was not initiated within a state; (B) resulted from a point-of-sale debit card transaction; or (C) occurred within the 30 days after the first deposit to the account was made) 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 that it takes to complete our investigation.
In Case of Errors or Inquiries About Your Account Statement
If you think your statement is wrong, or if you need additional information about a transaction on your statement, write us (on a separate sheet) at the address shown below. We must receive it no later than 30 days after the first statement on which the error or problem appeared. You may telephone us, but doing so will not preserve your rights.
Your written inquiry must include:
(1) Your name and account number.
(2) A description of 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.
(3) The dollar amount of the suspected error.
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.
Place, mail or deliver your payment to the bank at the address listed below. Payments received on weekends and holidays will be credited the next business day. Payments received after your closing date will appear on your next statement. If the bank has authorized to deduct the minimum payment from your Account, it will be deducted and credited to your Account as of the date shown on the reverse side. To avoid FINANCE CHARGES pay your balance in full. Please call the bank for the exact balance as the balance changes daily.
The FINANCE CHARGE on your account is calculated by applying the different PERIODIC RATES to the appropriate range of the outstanding daily balance of your account. The outstanding daily balance is calculated by using the beginning balance of your account each day, adding any new advances or debits, and subtracting any payments or credits. The FINANCE CHARGE may be determined as follows:
(1) Using the rate changes, separate the outstanding daily balance into appropriate range amounts.
(2) Multiply each outstanding daily balance by the applicable periodic rate.
(3) Multiply each of these results by the number of days the applicable rate was in effect.
(4) Add the result of Step #3 together.
In Case of Errors or Questions, Telephone or Write Us at:
P.O. Box 330
Derby, KS 67037
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.
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.