Truth in Savings Click here for savings account rates

Size: px
Start display at page:

Download "Truth in Savings Click here for savings account rates"

Transcription

1 Truth in Savings Click here for savings account rates Understanding Your Deposit Account Regular Savings RATE INFORMATION: The interest rate and annual percentage yield may change at our discretion, at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest is compounded and credited to the account quarterly. BALANCE INFORMATION: $50 minimum deposit to open. You must maintain a minimum daily balance of $50 to obtain the disclosed annual percentage yield. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. ACCOUNT FEES: A transaction fee of $1 will be charged for each withdrawal or debit over six in a monthly statement period. If the minimum daily balance falls below $50 during the monthly statement period, a service fee of $2 will be charged. LIMITATIONS: A maximum of 30 items may be deposited per monthly statement period. You may make up to six telephone or pre-authorized transfers or automatic withdrawals from your account each monthly statement period. Accounts exceeding the limitation of six electronic transactions may result in account closure. This limitation does not apply to withdrawals made through an ATM or in-person at a bank location. If account balance is $0 for 45 consecutive days, the account will be closed. Money Market Savings Money Market Savings Plus RATE INFORMATION: The interest rate and annual percentage yield may change at our discretion, at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest is compounded and credited to the account monthly. If you close the account before interest is credited, you will not receive the accrued interest. BALANCE INFORMATION: $50 minimum deposit to open. You must maintain a minimum daily balance of $500 to obtain the disclosed annual percentage yield. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. ACCOUNT FEES: A transaction fee of $5 will be charged for each withdrawal or debit over six in a monthly statement period. If the minimum daily balance falls below $500 during the monthly statement period, there will be a $10 service fee. LIMITATIONS: A maximum of 30 items may be deposited per monthly statement. You may make up to six telephone or pre- authorized transfers or automatic or check withdrawals from your account each monthly statement. Accounts exceeding the limitation of six electronic transactions may result in account closure. This limitation does not apply to withdrawals made through an ATM or in-person at a bank location. Checks available upon request on Money Market Savings Plus accounts only. If account balance is $0 for 45 consecutive days, the account will be closed.

2 Premier Money Market Savings Premier Money Market Savings Plus RATE INFORMATION: The interest rate and annual percentage yield may change at our discretion, at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest is compounded and credited to the account monthly. If you close your account before interest is credited, you will not receive the accrued interest. BALANCE INFORMATION: $50 minimum deposit to open. You must maintain a minimum daily balance of $5,000 to obtain the disclosed annual percentage yield. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. ACCOUNT FEES: A transaction fee of $5 will be charged for each withdrawal or debit over six in a monthly statement period. If the minimum daily balance falls below $5,000 during the monthly statement period, there will be a service fee of $10. LIMITATIONS: A maximum of 30 items may be deposited per monthly statement period. You may make up to six telephone or pre-authorized transfers or automatic or check withdrawals from your account each monthly statement period. Accounts exceeding the limitation of six electronic transactions may result in account closure. This limitation does not apply to withdrawals made through an ATM or in-person at a bank location. Checks available upon request on Premier Money Market Savings Plus accounts only. If account balance is $0 for 45 consecutive days, the account will be closed. ASSOCIATED ACCOUNTFEES The following fees apply to all checking and savings accounts: Stop Payment Fee $30 per item Account Reconciling Service $20 per hour (min. $20) Account Research $30 per hour (min. $30) plus $1 per page Additional Statements $5 each Returned Deposited Item Fee $5 per item Returned ACH Item Fee $5 per item (Applies to ACH Originators) For overdrafts created by check, in-person withdrawals, ATM withdrawals, or other electronic means, the following fees apply: Overdraft Item Charge $30 Returned Item Charge $30 Overdrawn Account Charge ($5 per day for a maximum of 5 business days, after account is overdrawn for 5 consecutive business days) Miscellaneous fees and charges Cashier s Checks $5 each for non-account holder Personal Money Orders $5 each for non-account holder ($500 max.) Photocopies 25 per copy (after first 5) Domestic Collection Items: $30 per item; Foreign Collection Items: Cost may vary Night Depository Bag $20 per bag (Refundable Deposit) Written Deposit Verification $5 each Check Cashing Service 2% of check amount (rounded up to next dollar amount) (Non-account holder) FAX Fees (Outgoing/Incoming) $5 1st page ($1.00 each additional page) Legal Processing Fee $75 per service; Garnishment/Levy (excluding subpoena) Wire Transfer Fees Incoming $10 Outgoing $22 International US Currency (Outgoing) $40.00 International Foreign Currency (Outgoing) $80.00 Treasury Online Originated (Outgoing) $15.00 Treasury Online Originated International (US Currency) $15.00 Treasury Online Originated International (Foreign Currency) $55.00

3 Service Charges and Safe Deposit Box Fees The following service charges and safe deposit box fees will be effective January 1, 2019: THE FOLLOWING FEES APPLY TO ALL CHECKING AND SAVINGS ACCOUNTS: For overdrafts created by check, in-person withdrawals, ATM withdrawals, or other electronic means, the following fees apply: Overdraft Item Charge... $33.00 Returned Item Charge... $33.00 WIRE TRANSFER FEES Incoming... $15.00 Outgoing... $25.00 International U.S. Currency (Outgoing)... $45.00 SAFE DEPOSIT BOX Account relationship and automatic payment required. Safe deposit boxes are subject to availability at each location. 2 x 5...$15.00 annual fee 3 x 5...$20.00 annual fee 5 x 5...$25.00 annual fee 3 x 10...$30.00 annual fee 5 x 10...$50.00 annual fee 6 x 10...$50.00 annual fee 10 x 10...$75.00 annual fee Member FDIC 19434

4 Uniform Commercial Code Disclosures Regarding Electronic Wholesale Credit Transactions (Subject to Uniform Commercial Code Article 4A) PROVISIONAL PAYMENT: Credit given by us to you with respect to an automated clearinghouse credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid you in the amount of such entry. NOTICE OF RECEIPT OF ENTRY: Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account, we are not required to give next day notice to you of receipt of an ACH item and we will not do so. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. CHOICE OF LAW: We may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing Houses (ACH) and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state of North Dakota, as provided by the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account.

5 Bell Bank Funds Availability Policy Your Ability To Withdraw Funds This policy statement applies to all checking & savings accounts. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 7:30 p.m. on a business day we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 7:30 p.m. or on a business day we are not open, we will consider that the deposit was made on the next business day we are open. If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. LONGER DELAYS MAY APPLY. Safeguard Exceptions. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid. You deposit checks totaling more than $5,000 on any one day. You redeposit a check that has been returned unpaid. You have overdrawn your account repeatedly in the last six months. There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit. If you are a new customer, the following special rules will apply during the first 30 days your account is open: Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,000 will be available on the seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh business day after the day of your deposit. MOBILEREMOTEDEPOSITCAPTURE We will post your mobile banking deposit within two business days of receipt. Unless further review is required, funds will generally be available on the first business day after the day the deposit posted to your account. If further review is required, funds will generally be available no later than the third business day after the day the deposit posted to your account. DEPOSITS AT AUTOMATED TELLER MACHINES Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will generally be available no later than the fifth business day after the day of your deposit. This rule does not apply at ATMs that we own or operate. If you make a deposit at an ATM we own or operate before 4:30 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM we own or operate after 4:30 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. All ATMs that we own or operate are identified as our machines. 5/2017

America s Best Checking This account features unlimited check writing, no monthly service fee and no minimum balance. $50 minimum deposit to open.

America s Best Checking This account features unlimited check writing, no monthly service fee and no minimum balance. $50 minimum deposit to open. Truth in Savings Click here for checking account rates Understanding Your Deposit Account America s Best Checking This account features unlimited check writing, no monthly service fee and no minimum balance.

More information

FUNDS AVAILABILITY DISCLOSURE

FUNDS AVAILABILITY DISCLOSURE FUNDS AVAILABILITY DISCLOSURE FUNDS AVAILABILITY DISCLOSURE In this disclosure, BankUnited, Bank, we, us, and our mean BankUnited, N.A. and you and your mean each and every owner of the account, and each

More information

TRUTH-IN-SAVINGS DISCLOSURE

TRUTH-IN-SAVINGS DISCLOSURE TRUTH-IN-SAVINGS DISCLOSURE thinkinterest Checking Rate Information Your interest rate and annual percentage yield may change. Refer to our separate rate sheet for current interest rates and annual percentage

More information

CHECKING PRODUCTS. *Intended for Small Non-Profit Community Clubs and Organizations

CHECKING PRODUCTS. *Intended for Small Non-Profit Community Clubs and Organizations This disclosure contains information about terms, fees and interest rates for the accounts we offer. Please refer to our rate sheet for additional disclosures. CHECKING PRODUCTS SMALL BUSINESS CHECKING

More information

As used here, the word "we" means the financial institution and the word "you" means the account holder.

As used here, the word we means the financial institution and the word you means the account holder. Terms and Conditions of Deposit Accounts This brochure contains the rules which govern, where appropriate, your deposit account with us. Unless it would be inconsistent to do so, words and phrases used

More information

Personal Checking Accounts Truth in Savings Disclosure

Personal Checking Accounts Truth in Savings Disclosure Personal Checking Accounts Truth in Savings Disclosure All First Merchants Checking accounts listed below come with the following account features: FREE Enhanced MasterCard Debit Card 1 MoneyPass Surcharge

More information

CHECKING PRODUCTS. A positive balance is required to maintain the account and to prevent it from being automatically closed.

CHECKING PRODUCTS. A positive balance is required to maintain the account and to prevent it from being automatically closed. This disclosure contains information about terms, fees and interest rates for the accounts we offer. Please refer to our rate sheet for additional disclosures. CHECKING PRODUCTS BASIC CHECKING Minimum

More information

HIGH YIELD CHECKING. EXPLANATION OF SOME OF OUR KEY SERVICES AND CHARGES Here are details about High Yield Checking services.

HIGH YIELD CHECKING. EXPLANATION OF SOME OF OUR KEY SERVICES AND CHARGES Here are details about High Yield Checking services. EXPLANATION OF SOME OF OUR KEY SERVICES AND CHARGES Here are details about High Yield Checking services. KEY ACCOUNT TERMS AND CHARGES: Monthly Service Charge: No monthly service charge. Includes free

More information

CHANGE IN TERMS. THE HARRIS HANDBOOK FOR PERSONAL AND BUSINESS DEPOSIT ACCOUNTS ( Handbook ) DATED SEPTEMBER 6, 2008 IS REVISED AS DESCRIBED BELOW.

CHANGE IN TERMS. THE HARRIS HANDBOOK FOR PERSONAL AND BUSINESS DEPOSIT ACCOUNTS ( Handbook ) DATED SEPTEMBER 6, 2008 IS REVISED AS DESCRIBED BELOW. CHANGE IN TERMS THE HARRIS HANDBOOK FOR PERSONAL AND BUSINESS DEPOSIT ACCOUNTS ( Handbook ) DATED SEPTEMBER 6, 2008 IS REVISED AS DESCRIBED BELOW. The following changes to the Handbook were effective on

More information

CONSUMER ACCOUNT DISCLOSURE OVERDRAFT PRIVILEGE

CONSUMER ACCOUNT DISCLOSURE OVERDRAFT PRIVILEGE CONSUMER ACCOUNT DISCLOSURE March 26, 2018 OVERDRAFT PRIVILEGE OVERDRAFT PRIVILEGE will provide you with the ability to pay inadvertent overdrafts on your account up to $20000 for checking accounts open

More information

Funds Availability Policy Disclosure for Deposit Accounts

Funds Availability Policy Disclosure for Deposit Accounts Funds Availability Policy Disclosure for Deposit Accounts In compliance with the Expedited Funds Availability Act, implemented by Regulation CC, SunTrust Bank s Funds Availability Policy Disclosure provides

More information

Inactive Account Fees Any account inactive for one year, with a balance under $50.00, will be assessed a $2.00 charge per month.

Inactive Account Fees Any account inactive for one year, with a balance under $50.00, will be assessed a $2.00 charge per month. Business Banking Schedule of Charges Effective August 2015 Checking Business Basic $10.00 Monthly fixed charge if the average daily balance falls below $1,500.00 on any given day during the statement cycle.

More information

Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield (APY)

Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield (APY) The following information was correct as of 04/05/2019 Have questions or need current rate information? Call us at 888.404.4050 It's important that you understand exactly how your HSBC Direct Checking

More information

Small Business Account Services and Prices Schedule. Illinois, Indiana, Michigan, Wisconsin

Small Business Account Services and Prices Schedule. Illinois, Indiana, Michigan, Wisconsin Small Business Account Services and Prices Schedule Illinois, Indiana, Michigan, Wisconsin Effective December 01, 2017 TABLE OF CONTENTS SERVICES AND FEES...1 Overdraft and Returned Item NSF...1 Digital

More information

SAVINGS ACCOUNT TYPES

SAVINGS ACCOUNT TYPES SAVINGS ACCOUNT DISCLOSURE This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer. SAVINGS ACCOUNT TYPES FIRST SAVINGS Rate Information: This account

More information

Step-Up Checking Program Disclosure

Step-Up Checking Program Disclosure 130 S. Main Street Fond du Lac, WI 54935 920.921.7700 Step-Up Checking Program Disclosure ELIGIBILITY REQUIREMENTS To be eligible for a Step-Up Checking Program, you must be less than 26 years of age and

More information

Ready to Go Checking SM Account

Ready to Go Checking SM Account For us, it s important that you understand exactly how your Ready to Go Checking SM account works. Below is an explanation of the key terms and fees of your personal account. For additional details of

More information

Personal Interest Bearing Checking Account-Related Disclosures

Personal Interest Bearing Checking Account-Related Disclosures 130 S. Main Street Fond du Lac, WI 54935 920.921.7700 Personal Interest Bearing Checking Account-Related Disclosures VARIABLE RATE INFORMATION Please see our online rate information for current interest

More information

CHECKING PRODUCTS. Busey Overdraft Advantage will not be available with this account UPILLAR BANKING

CHECKING PRODUCTS. Busey Overdraft Advantage will not be available with this account UPILLAR BANKING This disclosure contains information about terms, fees and interest rates for the accounts we offer. Please refer to our rate sheet for additional disclosures. CHECKING PRODUCTS UFOUNDATION CHECKING Minimum

More information

Deposit Account Services and Prices Schedule

Deposit Account Services and Prices Schedule Deposit Account Services and Prices Schedule Colorado, Minnesota, South Dakota Effective May 01, 2018 Truth-in-Savings Act Disclosures Electronic Funds Transfer Act Disclosures TABLE OF CONTENTS SERVICES

More information

Fee Schedule and Other Account Information

Fee Schedule and Other Account Information Fee Schedule and Other Account Information Personal Products and Services California Georgia Minnesota New York Tennessee Washington, D.C. October 1, 2018 For use with Account Agreement and Disclosures

More information

275 Mishawum Road Electronic Fund Transfer Woburn, MA (844) Customer Agreement

275 Mishawum Road Electronic Fund Transfer Woburn, MA (844) Customer Agreement Northern Bank & Trust Company 275 Mishawum Road Electronic Fund Transfer Woburn, MA 01801 (844) 348-8996 Customer Agreement 1. Types of Electronic Funds Transfer For purposes of this disclosure, an electronic

More information

Deposit Account Services and Prices Schedule

Deposit Account Services and Prices Schedule Deposit Account Services and Prices Schedule Illinois, Indiana, Michigan, Wisconsin Effective May 01, 2018 Truth-in-Savings Act Disclosures Electronic Funds Transfer Act Disclosures TABLE OF CONTENTS SERVICES

More information

Your Guide to First United Bank and Trust Company s Banking Options

Your Guide to First United Bank and Trust Company s Banking Options Your Guide to First United Bank and Trust Company s Banking Options and what you ll need to know about the upcoming change of bank ownership and computer conversion. A community bank dedicated to your

More information

Fee Schedule and Other Account Information

Fee Schedule and Other Account Information Fee Schedule and Other Account Information Personal Products and Services California Georgia Minnesota New York Tennessee October 1, 2017 For use with Account Agreement and Disclosures Fee Schedule and

More information

CHECKING ACCOUNT TYPES

CHECKING ACCOUNT TYPES CHECKING ACCOUNT DISCLOSURE This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer. CHECKING ACCOUNT TYPES ValueAccess Checking with BaZing Rate Information:

More information

Deposit Account Disclosure and Bank Fee Schedule. Account opening and usage

Deposit Account Disclosure and Bank Fee Schedule. Account opening and usage BMO Harris Smart Money TM Deposit Account Disclosure and Bank Fee Schedule Account This Deposit Account Disclosure and Bank Fee Schedule and the Deposit Account Agreement for Personal and Business Accounts

More information

TERMS AND CONDITIONS OF YOUR ACCOUNT

TERMS AND CONDITIONS OF YOUR ACCOUNT TERMS AND CONDITIONS OF YOUR ACCOUNT Important Definitions The below are important definitions concerning the balances reflected in your account. Current Balance The current balance incorporates all transactions

More information

HSBC PREMIER TERMS & CHARGES DISCLOSURE 1

HSBC PREMIER TERMS & CHARGES DISCLOSURE 1 It s important that you understand exactly how your HSBC Premier checking account works. We ve created this summary to explain the fees and some key terms of your account. ELIGIBILITY The HSBC Premier

More information

Deposit Account Services and Prices Schedule. Effective November 1, 2018

Deposit Account Services and Prices Schedule. Effective November 1, 2018 Deposit Account Services and Prices Schedule Effective vember 1, 2018 SERVICES AND FEES This schedule applies to accounts opened Arizona, Colorado, Illinois, Michigan, Minnesota, South Dakota, Wisconsin

More information

Fee Schedule and Other Account Information

Fee Schedule and Other Account Information Fee Schedule and Other Account Information Business Products and Services Account Analysis For Personal and Business Accounts California Georgia Minnesota New York Tennessee Washington, D.C. October 1,

More information

HSBC ADVANCE TERMS & CHARGES DISCLOSURE 1

HSBC ADVANCE TERMS & CHARGES DISCLOSURE 1 It s important that you understand exactly how your HSBC Advance checking account works. We ve created this summary to explain the fees and some key terms of your account. ELIGIBILITY The HSBC Advance

More information

ATM/DEBIT CARD DISCLOSURE CHECKING ACCOUNT DISCLOSURE...3 ELECTRONIC FUNDS TRANSFER ACT DISCLOSURE

ATM/DEBIT CARD DISCLOSURE CHECKING ACCOUNT DISCLOSURE...3 ELECTRONIC FUNDS TRANSFER ACT DISCLOSURE DISCLOSURES INDEX ATM/DEBIT CARD DISCLOSURE... 1-2 CHECKING ACCOUNT DISCLOSURE...3 ELECTRONIC FUNDS TRANSFER ACT DISCLOSURE... 4-5 ELECTRONIC WHOLESALE CREDIT TRANSACTIONS...6 PRIVACY POLICY... 7-8 ROYAL

More information

Fee Schedule and Other Account Information

Fee Schedule and Other Account Information Fee Schedule and Other Account Information Business Products and Services Account Analysis For Personal and Business Accounts California Georgia Minnesota New York Tennessee October l, 201 7 For use with

More information

Fee Schedule and Other Account Information

Fee Schedule and Other Account Information Fee Schedule and Other Account Information Business Products and Services Account Analysis For Personal and Business Accounts Minnesota May 8, 2017 For use with Account Agreement and Disclosures Fee Schedule

More information

WE CAN T WAIT TO WELCOME YOU TO THE FIRST CITIZENS FAMILY A Guide for Consumer Accounts November 1, 2017

WE CAN T WAIT TO WELCOME YOU TO THE FIRST CITIZENS FAMILY A Guide for Consumer Accounts November 1, 2017 WE CAN T WAIT TO WELCOME YOU TO THE FIRST CITIZENS FAMILY A Guide for Consumer Accounts November 1, 2017 The transition of the State College branch of S&T Bank to First Citizens Community Bank will be

More information

Deposit Account Services and Prices Schedule

Deposit Account Services and Prices Schedule Deposit Account Services and Prices Schedule Illinois, Indiana, Michigan, Wisconsin Effective November 23, 2016 Truth-in-Savings Act Disclosures Electronic Funds Transfer Act Disclosures TABLE OF CONTENTS

More information

Consumer Fee Schedule - Colorado ATM/Debit Card Fees

Consumer Fee Schedule - Colorado ATM/Debit Card Fees ATM Fee (FirstBank ATM) ATM Fee (Non-FirstBank ATM) FirstBank ATM/Visa Debit Card (Per Cardholder) Consumer Fee Schedule - Colorado ATM/Debit Card Fees Overdraft Information & Fees Non-Sufficient Funds

More information

COMMUNITY FINANCIAL SERVICES FCU

COMMUNITY FINANCIAL SERVICES FCU COMMUNITY FINANCIAL SERVICES FCU Truth-In-Savings Disclosure 05/16/18 SHARE SAVINGS ACCOUNT Rate Information: The dividend rate & annual percentage yield may change every dividend period. We may change

More information

AGREEMENTS AND DISCLOSURES

AGREEMENTS AND DISCLOSURES ARMY AVIATION CENTER FEDERAL CREDIT UNION 238 VIRGINIA AVENUE, P.O. DRAWER 8 DALEVILLE, ALABAMA 36332 Phone: (334) 598-4411 AGREEMENTS AND DISCLOSURES THESE AGREEMENTS AND DISCLOSURES CONTAIN IMPORTANT

More information

Addendum to HSBC Direct Savings Terms & Charges Disclosure Effective June 11, 2018

Addendum to HSBC Direct Savings Terms & Charges Disclosure Effective June 11, 2018 Addendum to HSBC Direct Savings Terms & Charges Disclosure Effective June 11, 2018 This disclosure applies to HSBC Direct Savings Terms & Charges Disclosure. The sections below are now amended to read

More information

Addendum to HSBC Consumer Savings Terms & Charges Disclosure Effective June 11, 2018

Addendum to HSBC Consumer Savings Terms & Charges Disclosure Effective June 11, 2018 Addendum to HSBC Consumer Savings Terms & Charges Disclosure Effective June 11, 2018 This disclosure applies to the Bank's consumer savings Terms & Charges Disclosure(s). The sections below are now amended

More information

PROCEDURES IN EFFECT:

PROCEDURES IN EFFECT: Overview Effective January 1, 2014 In compliance with the Federal Reserve s Regulation CC (Expedited Funds Availability Funds Act), all banks, savings & loan institutions, and credit unions must follow

More information

TERMS AND CONDITIONS OF YOUR OHIO EDUCATIONAL CREDIT UNION MEMBERSHIP ACCOUNT

TERMS AND CONDITIONS OF YOUR OHIO EDUCATIONAL CREDIT UNION MEMBERSHIP ACCOUNT TERMS AND CONDITIONS OF YOUR OHIO EDUCATIONAL CREDIT UNION MEMBERSHIP ACCOUNT This brochure contains the rules which govern your account(s) with The Ohio Educational Credit Union (OHecu). Please read it

More information

BASIC BANKING TERMS & CHARGES DISCLOSURE 1

BASIC BANKING TERMS & CHARGES DISCLOSURE 1 It s important that you understand exactly how your Basic Banking account works. We ve created this summary to explain the fees and some key terms of your account. ELIGIBILITY The Basic Banking account

More information

Membership Agreement and Disclosures

Membership Agreement and Disclosures 312 Main Street P.O. Box 740 Saco, ME 04072 207-282-6169 Toll Free 1-888-282-6169 www.sacovalley.org Rev. 8/12 Federally Insured by NCUA MEMBERSHIP AGREEMENT & DISCLOSURES MAIN OFFICE 312 MAIN STREET P.O.

More information

Reasons we can share your personal information Does Lakeland Bank share? Can you limit this sharing?

Reasons we can share your personal information Does Lakeland Bank share? Can you limit this sharing? Revised 6/2016 FACTS Why? What? WHAT DOES LAKELAND BANK DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers the right to

More information

Addendum to HSBC Consumer Savings Terms & Charges Disclosure Effective June 11, 2018

Addendum to HSBC Consumer Savings Terms & Charges Disclosure Effective June 11, 2018 Addendum to HSBC Consumer Savings Terms & Charges Disclosure Effective June 11, 2018 This disclosure applies to the Bank's consumer savings Terms & Charges Disclosure(s). The sections below are now amended

More information

TERMS AND CONDITIONS OF ACCOUNT

TERMS AND CONDITIONS OF ACCOUNT TERMS AND CONDITIONS OF ACCOUNT Welcome to GFA Federal Credit Union. We are pleased to have you as a member. This is the agreement between you and GFA Federal Credit Union. When you become a member you

More information

Kasasa Cash With Kasasa Saver

Kasasa Cash With Kasasa Saver Kasasa Cash With Kasasa Saver Truth in Savings Disclosure Account Overview Kasasa Cash is a variable rate checking account with no minimum balance that rewards accountholders with interest and nationwide

More information

Home Accounts Services Online Banking Login Mortgages Locations About The Cowboy Bank Disclosures

Home Accounts Services Online Banking Login Mortgages Locations About The Cowboy Bank Disclosures Home Accounts Services Online Banking Login Mortgages Locations About The Cowboy Bank Disclosures Privacy Policy FACTS WHAT DOES THE COWBOY BANK DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies

More information

Consumer Affairs Laws and Regulations Regulation CC

Consumer Affairs Laws and Regulations Regulation CC OCC 2004-49 Attachment Consumer Affairs Laws and Regulations Regulation CC Introduction The Expedited Funds Availability Act (EFA) was enacted in August 1987 and became effective in September 1988. The

More information

BBVA Compass ClearChoice Money Market

BBVA Compass ClearChoice Money Market BBVA Compass ClearChoice Money Market Account Disclosure - Texas Minimum deposit needed to open account $25 Monthly Service Charge $15 Ways to avoid monthly Service Charge (1) Daily Collected Balance of

More information

Account Agreement and Disclosures

Account Agreement and Disclosures Account Agreement and Disclosures MEMBER FDIC Welcome to The Berkshire Bank. Thank you for opening an account with us. This Account Agreement and Disclosures ( Agreement ) is designed to explain our accounts

More information

NEW JERSEY AND NEW YORK SCHEDULE OF FEES FOR BUSINESS ACCOUNTS

NEW JERSEY AND NEW YORK SCHEDULE OF FEES FOR BUSINESS ACCOUNTS NEW JERSEY AND NEW YORK SCHEDULE OF FEES FOR BUSINESS ACCOUNTS Business Visa Debit Card: A Valley business checking account is required to be the primary account. Daily ATM limit: $600. Daily Point of

More information

Monthly Service Charge $10 NOTE: Please see important information for College Banking program customers on page 5.

Monthly Service Charge $10 NOTE: Please see important information for College Banking program customers on page 5. For us, it s important that you understand exactly how your Ready to Go Checking account works. Below is an explanation of the key terms and fees for your personal account. For additional details of terms

More information

BBVA Compass ClearChoice Savings

BBVA Compass ClearChoice Savings BBVA Compass ClearChoice Savings Account Disclosure - Alabama Minimum deposit needed to open account $25 Quarterly Service Charge $15 Ways to avoid quarterly Service Charge (1) Daily Collected Balance

More information

No monthly product fee and no minimum balance requirement. $100 minimum to open account. Available on

No monthly product fee and no minimum balance requirement. $100 minimum to open account. Available on Truth in Savings Disclosure Thank you for making a decision to bank with us. We value your relationship with us and look forward to serving your financial needs for many years to come. The following is

More information

Webster Opportunity. Webster Value. Checking. Checking. $16.95 (or $11.95 with Direct Deposit 2 )

Webster Opportunity. Webster Value. Checking. Checking. $16.95 (or $11.95 with Direct Deposit 2 ) Fee Schedule for Consumer s A Guide to Your At, we re committed to helping you find the right account to meet your needs. We ve prepared the following Guide to make sure you understand exactly how your

More information

managing your checking account.

managing your checking account. A guide to managing your checking account. Tips to help you: Understand how your account works Keep track of balances Avoid overdraft fees Take control of your checking Your checking account is the cornerstone

More information

Webster Opportunity Checking. Webster echecking. $16.95 (or $11.95 with Direct Deposit 2 )

Webster Opportunity Checking. Webster echecking. $16.95 (or $11.95 with Direct Deposit 2 ) Fee Schedule for Consumer Accounts A Guide to Your Account At, we re committed to helping you find the right account to meet your needs. We ve prepared the following Account Guide to make sure you understand

More information

Regulation CC: Expedited Funds Availability Act

Regulation CC: Expedited Funds Availability Act Regulation CC: Expedited Funds Availability Act Community Bankers for Compliance School DEPOSITS 2016 This publication is designed to provide information in regard to the subject matter covered. It is

More information

Business Account Disclosure

Business Account Disclosure Business Account Disclosure We re happy you ve chosen us and pledge our finest service each time you visit. Keep in mind our many financial services and don t hesitate to ask for assistance. The signature

More information

Corning Federal Credit Union Business Services Account Agreement

Corning Federal Credit Union Business Services Account Agreement Corning Federal Credit Union Business Services Account Agreement 1. Agreement for Services. This Business Services Account Agreement ("Agreement"), along with the membership application and any other documents

More information

TRUTH IN SAVINGS DISCLOSURE

TRUTH IN SAVINGS DISCLOSURE TRUTH IN SAVINGS DISCLOSURE Money Market Demand Account Rate Information The interest rate and annual percentage yield can be found on the Account Rate disclosure. If you would like more current rate and

More information

Personal Account Disclosure

Personal Account Disclosure Personal Account Disclosure We re happy you ve chosen us and pledge our finest service each time you visit. Keep in mind our many financial services and don t hesitate to ask for assistance. The signature

More information

FINANCIAL HORIZONS CREDIT UNION

FINANCIAL HORIZONS CREDIT UNION we will not pay your overdrafts for ATM withdrawals and debit card purchases at a store, online, or by telephone. You must tell us you want overdraft coverage for these transactions. To request overdraft

More information

Vectra Private Bank Account Terms

Vectra Private Bank Account Terms Vectra Private Bank Account Terms Private Bank Premier Checking Private Bank Money Market Private Bank Money Market Sweep Private Bank Savings Premier Certificate of Deposit Premier IRA CD Premier IRA

More information

NAVY FEDERAL BUSINESS SERVICES DISCLOSURE BOOKLET. navyfederal.org Federally insured by NCUA Navy Federal NFCU 97BD (3-16)

NAVY FEDERAL BUSINESS SERVICES DISCLOSURE BOOKLET. navyfederal.org Federally insured by NCUA Navy Federal NFCU 97BD (3-16) NAVY FEDERAL BUSINESS SERVICES DISCLOSURE BOOKLET navyfederal.org 1.888.842.6328 Federally insured by NCUA. 2016 Navy Federal NFCU 97BD (3-16) BUSINESS SAVINGS AND CHECKING ACCOUNTS Accounts held in the

More information

Welcome to Bank of the West!

Welcome to Bank of the West! Welcome to Bank of the West! Please keep these important documents with your Deposit Account Disclosure booklet and retain them for future reference. Schedule of Fees and Charges for Personal Deposit Accounts

More information

BBVA Compass Young Savers

BBVA Compass Young Savers BBVA Compass Young Savers Account Disclosure - Arizona Minimum deposit needed to open account $1 Quarterly Service Charge $0 Does the account earn interest? Yes Interest is earned on the entire account

More information

Truth-in-Savings Disclosures Retail Checking & Savings Accounts Effective March 1, 2017

Truth-in-Savings Disclosures Retail Checking & Savings Accounts Effective March 1, 2017 This disclosure contains information about your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be construed so that the singular includes the

More information

Webster Opportunity. Webster Value. Checking. Checking. $16.95 (or $11.95 with Direct Deposit 2 )

Webster Opportunity. Webster Value. Checking. Checking. $16.95 (or $11.95 with Direct Deposit 2 ) Fee Schedule for Consumer s A Guide to Your At, we re committed to helping you find the right account to meet your needs. We ve prepared the following Guide to make sure you understand exactly how your

More information

Welcome to Bank of the West!

Welcome to Bank of the West! Welcome to Bank of the West! Please keep these important documents with your Deposit Account Disclosure booklet and retain them for future reference. Schedule of Fees and Charges for Personal Deposit Accounts...Page

More information

TRUTH-IN-SAVINGS DISCLOSURE

TRUTH-IN-SAVINGS DISCLOSURE LAST DIVIDEND DECLARATION DATE: 11/30/2016 TRUTH-IN-SAVINGS DISCLOSURE The rates, fees and terms applicable to your account at the Credit Union are provided with this Truth-in-Savings Disclosure. The Credit

More information

WELCOME TO THE FAMILY

WELCOME TO THE FAMILY YOU ARE IN THE PROCESS OF OPENING THE FOLLOWING ACCOUNT(S): Power Checking Savings Account WELCOME TO THE FAMILY ENCLOSED ARE SEVERAL PAGES OF IMPORTANT INFORMATION REGARDING YOUR NEW ACCOUNT TO INCLUDE:

More information

Understand the Differences Between Skagit Bank and Banner Bank s Business Account Products and Fees. Member FDIC

Understand the Differences Between Skagit Bank and Banner Bank s Business Account Products and Fees. Member FDIC Understand the Differences Between Skagit Bank and Banner Bank s Business Account Products and Fees Member FDIC KEY DIFFERENCES ABOUT WHICH YOU SHOULD BE AWARE The following pages contain important differences

More information

Amendment to the Personal Deposit Account Agreement (Dated January 2, 2014)

Amendment to the Personal Deposit Account Agreement (Dated January 2, 2014) Effective February 28, 2017 Amendment to the Personal Deposit Account Agreement (Dated January 2, 2014) Beginning February 28, 2017 cash deposited at an Eastern Bank ATM will be available for withdrawal

More information

Rules For. Consumer Deposit Accounts

Rules For. Consumer Deposit Accounts Rules For Consumer Deposit Accounts Table of Contents Our Agreement 1 Checking Accounts 2 Savings Accounts 8 Certificates Of Deposit 8 Special Deposit Accounts 9 Deposits 9 Funds Availability 11 Withdrawals

More information

DEBIT CARD SERVICES. The services available through use of your debit card are described below. DEBIT CARD SERVICES:

DEBIT CARD SERVICES. The services available through use of your debit card are described below. DEBIT CARD SERVICES: ELECTRONIC FUND TRANSFER DISCLOSURE BANKWEST MAIN OFFICE PO BOX 998 PIERRE SD 575010998 For purposes of this disclosure the terms "we", "us" and "our" refer to BANKWEST. The terms "you" and "your" refer

More information

ACCOUNT DISCLOSURE MEMBER

ACCOUNT DISCLOSURE MEMBER ACCOUNT DISCLOSURE MEMBER Terms and Conditions Upon your receipt of this disclosure, you agree to abide by the GTE Federal Credit Union DBA GTE Financial bylaws and any amendments thereof. You also agree

More information

LGFCU Disclosure. Rules and Regulations

LGFCU Disclosure. Rules and Regulations LGFCU Disclosure Rules and Regulations This brochure provides information to help understand the terms and agreement of your account with Local Government Federal Credit Union (LGFCU). When you open, maintain,

More information

ACCOUNT DISCLOSURES & FEE SCHEDULE PERSONAL BANKING

ACCOUNT DISCLOSURES & FEE SCHEDULE PERSONAL BANKING ACCOUNT DISCLOSURES & FEE SCHEDULE PERSONAL BANKING Information about Our Consumer Deposit Accounts/Disclosure on Account Terms This disclosure describes many important features and terms of our consumer

More information

All About Personal Accounts & Services

All About Personal Accounts & Services EFFECTIVE JANUARY 23, 2017 All About Personal Accounts & Services Disclosure and Agreement HOW TO CONTACT US If you have any questions about this Account Agreement or any Union Bank products and services,

More information

RATE SCHEDULE. ACCOUNT TYPE DIVIDENDS BALANCE REQUIREMENTS Dividend Rate/Annual Percentage Yield. Dividends Credited. Dividend Period.

RATE SCHEDULE. ACCOUNT TYPE DIVIDENDS BALANCE REQUIREMENTS Dividend Rate/Annual Percentage Yield. Dividends Credited. Dividend Period. TUCOEMAS FEDERAL CREDIT UNION P.O. Box 5011 Visalia, CA 93278-5011 Phone: (559) 732-8892 Fax: (559) 737-5787 TRUTH-IN-SAVINGS DISCLOSURE The rates, fees and terms applicable to your account at the Credit

More information

TRUTH-IN-SAVINGS DISCLOSURE

TRUTH-IN-SAVINGS DISCLOSURE TUCOEMAS FEDERAL CREDIT UNION P.O. Box 5011 Visalia, CA 93278-5011 Phone: (559) 732-8892 Fax: (559) 737-5787 TRUTH-IN-SAVINGS DISCLOSURE Effective Date: The rates, fees and terms applicable to your account

More information

Revised August 2015 Page 2 of 63

Revised August 2015 Page 2 of 63 Consolidated Account Agreement and Disclosures August 12, 2015 Table of Contents Standard Disclosure... 3 Funds Availability Disclosure... 8 Electronic Funds Transfer (EFT) Disclosure... 10 Electronic

More information

Fee Schedule for Business Accounts A Guide to Your Webster Account

Fee Schedule for Business Accounts A Guide to Your Webster Account Fee Schedule for Business Accounts A Guide to Your Webster Account At Webster, we re committed to helping you find the right account to meet your needs. We ve prepared the following Account Guide to make

More information

TRUTH IN SAVINGS DISCLOSURE. Strong. Stable. Local. Personal.

TRUTH IN SAVINGS DISCLOSURE. Strong. Stable. Local. Personal. TRUTH IN SAVINGS DISCLOSURE Strong. Stable. Local. Personal. FEBRUARY 2017 THIS TRUTH IN SAVINGS DISCLOSURE BOOKLET includes information you need to know about deposit accounts at 1st Source Bank. It notes

More information

Banking By Design. California. Simply Stated Product Guide

Banking By Design. California. Simply Stated Product Guide For us, it s important that you understand exactly how your Banking By Design checking account works. Below is an explanation of the key terms and fees for your personal account. For additional details

More information

Addendum to HSBC Consumer Deposit (excluding Certificate of Deposit) Terms & Charges Disclosure

Addendum to HSBC Consumer Deposit (excluding Certificate of Deposit) Terms & Charges Disclosure Addendum to HSBC Consumer Deposit (excluding Certificate of Deposit) Terms & Charges Disclosure Effective February 27, 2017, the $400 cash withdrawal limitation of other funds becoming available on a given

More information

BUSINESS AGREEMENTS AND DISCLOSURES

BUSINESS AGREEMENTS AND DISCLOSURES 555 Officenter Place P.O. Box 307370 Gahanna, OH 43230 614.235.2395 800.282.6420 Fax 614.338.3542 BUSINESS AGREEMENTS AND DISCLOSURES THESE AGREEMENTS AND DISCLOSURES CONTAIN IMPORTANT MEMBERSHIP INFORMATION,

More information

Rules For. Commercial Deposit Accounts

Rules For. Commercial Deposit Accounts Rules For Commercial Deposit Accounts Table Of Contents Our Agreement 2 Checking Accounts 4 Savings Accounts 12 Certificates Of Deposit 13 Deposits 14 Funds Availability 17 Withdrawals 29 Funds Transfers

More information

Consumer Account Disclosure and Agreement JUNE 2017

Consumer Account Disclosure and Agreement JUNE 2017 Consumer Account Disclosure and Agreement JUNE 2017 First Republic Bank Consumer Account Disclosure and Agreement (Includes Funds Availability, Electronic Funds Transfer and Truth-In-Savings Disclosures)

More information

Important Information About Your Certificate of Deposit, Retirement Account, & Coverdell Education Savings Account (CESA)

Important Information About Your Certificate of Deposit, Retirement Account, & Coverdell Education Savings Account (CESA) Truth In Savings Important Information About Your Certificate of Deposit, Retirement Account, & Coverdell Education Savings Account (CESA) Your Account- Rate Information These are the accounts you have

More information

IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS. from COLEMAN COUNTY STATE BANK 118 WEST PECAN ST POBOX 940 COLEMAN, TX (325)

IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS. from COLEMAN COUNTY STATE BANK 118 WEST PECAN ST POBOX 940 COLEMAN, TX (325) IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from COLEMAN COUNTY STATE BANK 118 WEST PECAN ST POBOX 940 COLEMAN, TX 76834-0940 (325)625-2172 COMMERCIAL CHECKING Minimum balance to open - The minimum

More information

Welcome to Union Bank. Important information regarding changes to your Santa Barbara Bank & Trust business account(s), effective April 22, 2013.

Welcome to Union Bank. Important information regarding changes to your Santa Barbara Bank & Trust business account(s), effective April 22, 2013. Welcome to Union Bank Important information regarding changes to your Santa Barbara Bank & Trust business account(s), effective April 22, 2013. Union Bank appreciates your business. Union Bank is honored

More information

Business and Personal Accounts: Service Fee Schedule

Business and Personal Accounts: Service Fee Schedule Business and Personal Accounts: Service Fee Schedule Effective: May 1, 2018 (Subject to Change) NICOLLET OFFICE Street Address Mailing Address 703 Third Street PO Box 77 Nicollet, MN 56074 Nicollet, MN

More information

What Makes Us Unique. Member FDIC. Rev. 12/12

What Makes Us Unique. Member FDIC. Rev. 12/12 What Makes Us Unique Our Mission: To be the leading financial partner for successful St. Louis area businesses, entrepreneurs, and individuals requiring customized financial solutions. The Business Bank

More information

ELECTRONIC FUND TRANSFERS DISCLOSURE. and MOBILE BANKING AGREEMENT YOUR RIGHTS AND RESPONSIBILITIES IMPORTANT! IF YOU DISCOVER YOUR

ELECTRONIC FUND TRANSFERS DISCLOSURE. and MOBILE BANKING AGREEMENT YOUR RIGHTS AND RESPONSIBILITIES IMPORTANT! IF YOU DISCOVER YOUR ELECTRONIC FUND TRANSFERS DISCLOSURE and MOBILE BANKING AGREEMENT YOUR RIGHTS AND RESPONSIBILITIES IMPORTANT! IF YOU DISCOVER YOUR VISA DEBIT CARD OR MAC CARD IS LOST OR STOLEN, PLEASE REPORT IT IMMEDIATELY

More information