24 Hour Account Access and Electronic Funds Transfer Agreement & Disclosures

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "24 Hour Account Access and Electronic Funds Transfer Agreement & Disclosures"

Transcription

1 24 Hour Account Access and Electronic Funds Transfer Agreement & Disclosures Debit /ATM Access AUDREY (24-hour telephone teller) Pre-authorized Credits and Debits Home Banking EFT Service This agreement summarizes certain rights and responsibilities which you (the Member) and we (Affinity Federal Credit Union) have under the Electronic Funds Transfer Act. It applies whenever you use Affinity s electronic services. Electronic Services or EFT Service means a service in which you or someone else uses electronic means to make deposits (credits) or withdrawals (debits) to/from your Affinity accounts. An EFT transaction is made by electronic means when, for example, it is made at an automated teller machine (ATM), through a store s Point-of-Sale (POS) terminal, via AUDREY, our 24-hour telephone teller or Home Banking. By using a Debit Access, Business Debit Access, ATM Card, computer or telephone, AUDREY, or by initiating a pre-authorized transaction, you agree to be bound by these disclosures and by any amendments made now and in the future by us to these disclosures. Types of Available Electronic Funds Transfers You may use a properly encoded Debit Access, Business Debit Access or Affinity ATM Card with a Personal Identification Number (PIN) at any electronic facility (i.e., ATM or POS terminal) that accepts the card(s) to do one or more of the following: 1. Withdraw cash from your Savings, Affinity Checking or Money Manager (at applicable ATMs). 2. Obtain cash from your PrivateLine (LOC). 3. Deposit cash or checks to your Savings, Affinity Checking, or Money Manager. 4. Transfer funds between: a) your Savings and Affinity Checking.

2 b) your PrivateLine (LOC) and your Savings Account. c) your PrivateLine (LOC) and your Affinity Checking. 5. Obtain the available balances from your Savings Account, your Affinity Checking, your PrivateLine (LOC) and your Money Manager Account (at applicable ATMs). 6. You may authorize a Merchant or other payee to make a one-time electronic payment from your checking account using information from your check to: Pay for purchases Pay for bills You may use your AUDREY PIN to: 1. Obtain up-to-the-minute information and perform transactions to your Affinity accounts. Refer to the AUDREY Service Code Card for a complete list of transactions. 2. Sign up for Internet Account Access. Home Banking can be used for: 1. Telephone Bill Payment. 2. Internet Bill Payment. 3. Internet Account Access. Your Personal Identification Number (PIN) The Debit Access, Business Debit Access, ATM Card, AUDREY and Home Banking related PIN provides you access to your Affinity accounts. You acknowledge that your PIN is an identification code that is personal and confidential and that use of the PIN with the card is a security method by which the Credit Union helps to maintain the security of your account(s). Therefore, you agree to take all reasonable precautions that no one else learns your PIN. You understand that reasonable precautions include, but are not limited to: (a) You agree not to tell or disclose your PIN to any other person; (b) You agree not to write your PIN on your card; (c) You agree not to keep a written record of your PIN near your card. This means that you will not keep the PIN in the same wallet, cardholder, envelope or place where you keep your card. Limits and Restrictions on EFT Transactions Cash withdrawals and point of sale transactions have limitations. The day for withdrawal limits begins at 12:00 PM each BUSINESS day and ends at 12:00 PM the next BUSINESS day. There are certain limitations on the frequency of use of the Debit Access, Business

3 Debit Access and ATM Card each business day. These limitations are not revealed for security reasons. Purchases made by your Debit Access, Business Debit Access are limited to a total of the available balance in your Affinity Checking each business day. You will be denied use of the Debit Access, Business Debit Access, ATM Card or Home Banking if you exceed the daily withdrawal or purchase limit; if you do not have adequate funds available in your account; if you do not enter the correct PIN or if you exceed the frequency usage limitations. The receipt provided by the terminal will notify you of the denial. There is a limit on the number of such denials permitted. Attempts to exceed the limit will result in the machine retention of your Debit Access, Business Debit Access or ATM Card at the terminal. The number of attempts that result in the machine retention are not revealed for security reasons. Limitations on frequency of transfers: Due to federal regulations, you are allowed no more than 6 preauthorized transfers or withdrawals from each savings or money market account and only 3 of the 6 transfers can be made by check, draft, debit card, or similar order within a calendar month. There are no limitations on transfers from your checking account. Bill Payment Service payments via the Internet or Phone may take up to 5 days to reach payee/vendor. Overdrafts You agree not to make or authorize anyone else to make a withdrawal from your account(s) that would overdraw your account(s). If an overdraft occurs, you will have to pay the amount overdrawn promptly. You may also be subject to an overdraft fee. Overdraft fees may be imposed in connection with check, ATM, in-person, or other EFT withdrawals. If you have an agreement with us under which we make loan advances to cover overdrafts, you may create overdrafts as provided in that agreement. However, we do not have to permit or cover any overdraft that exceeds your approved PrivateLine (LOC). Overdraft is not available and will not transfer funds if it is in a delinquent status. Charges for Electronic Funds Transfer Transactions made at proprietary ATMs No fee will be imposed for Debit Access, Business Debit Access or ATM Card transactions made at Affinity-owned ATMs conveniently located at many of our branches.

4 Transactions made at non-proprietary ATMs Debit Access, Business Debit Access or ATM Card transactions made at ATMs owned by other financial institutions are subject to the following policy: No fee will be imposed on any withdrawal, transfer, or inquiry up to a total of eight (8) per month. Any withdrawal, transfer, or inquiry beyond this limit each month will be subject to a $1.50 fee. An unlimited amount of deposit transactions are available each month at no fee. You may, however, be subject to a service fee imposed by the financial institution owning the ATM. Affinity has no control over these fees. Transactions made at Point-of-Sale Terminals There is no fee for Debit Access, Business Debit Access or ATM Card transactions made at point-ofsale terminals; for example the use of your Debit Access, Business Debit Access or ATM Card for the purchase of gasoline or groceries at participating merchants. Receipts and Written Records of Transactions You will receive a printed terminal receipt for each Debit Access, Business Debit Access and/or ATM Card purchase transaction at the time of the transaction. You will receive a monthly statement showing the status of your account(s), transactions made during the past month, and any charges we may impose for such transactions. If you have arranged for a transfer to be made to your Account by the same person or company, you can contact us at the telephone number listed to find out whether or not the transfer has been made. If you have arranged to make regular payments from your account, the person you are going to pay will tell you, 10 days before each payment, when the payment will be made and how much it is going to be. Liability for Unauthorized Use CONTACT US IMMEDIATELY if you believe that your Debit Access, Business Debit Access, ATM Card, or PIN, has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning our Member Service Center at (800) or (908) (outside U.S.) is the best way of keeping your loses to a minimum. You could lose all of your money in the account(s) if you take no action to notify us of the loss of your Debit Access, Business Debit Access, ATM Card, or PIN. If you notify us of the loss your liability will be as follows: 1. If you contact us within two business days of the

5 loss or your discovery of the loss, you can lose no more than $50.00 if someone used your Debit Access, Business Debit Access, ATM Card, or PIN without your permission. 2. If someone used your Home Banking Service, Debit Access, Business Debit Access, ATM Card, or PIN without your permission, you could lose as much as $ if you DO NOT contact us within two business days after you learn of the loss and we can prove that we could have prevented the loss if you had contacted us. 3. Also, if your monthly statement shows transfers or purchases that you did not make and you do not contact us within 60 days after the statement was mailed to you, you may not get back any money after the 60 days, if we can prove that your contacting us would have prevented the losses. Where to Call/Write Call: (800) or (908) (outside of the continental U.S.) Monday Friday, 8:00 AM 7:00 PM Saturday, 8:00 AM 1:00 PM Write: Affinity Federal Credit Union. Member Service Center, P.O. Box 621, Basking Ridge, NJ Pre-Authorized Credit Service Kinds of Transactions You may arrange to have third persons make regular deposits to your account(s) by electronic means. Charges for Deposits No additional charge is imposed on your account because you have this service. Pre-Authorized Debit Service Kinds of Transactions You may arrange to have third persons make regular withdrawals from your account(s) by electronic means. Liability for Failure to Make Transfers If we do not complete a transfer to or from your account on time, or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance: 1. If through no fault of ours, you do not have enough money in your account to make the transfer. 2. If the transfer would go over the credit limit on your PrivateLine.

6 3. If the automated teller machine does not have enough cash. 4. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. 5. If circumstances beyond our control, such as a fire or flood, prevent the transfer despite reasonable precautions that we have taken. There may be other exceptions stated in our agreement with you. Right to Stop Payment of Pre-Authorized Transfers If you have made arrangements with us to make a regular payment or withdrawal out of your account(s), you can stop these payments by following these directions: (a) notify the company crediting/debiting your account(s) in writing of the stop payment; (b) send a copy of that letter to Affinity Federal Credit Union, P.O. Box 621, Basking Ridge, NJ Attention: Operations Department/ACH Stop Payment, 3 business days prior to the scheduled transfer. If you have made arrangements to make recurring or installment payments from your Visa Debit Card you can stop these payments by notifying Affinity either (a) orally by calling us at ; (b) in writing by sending a letter to Affinity Federal Credit Union, PO Box 621, Basking Ridge, NJ , Attention: Card Products Department at least 3 business days prior to the scheduled date of the electronic transfer. In the event the stop payment request is oral, you have 14 days from the oral notification to send something in writing. In the event we do not receive the written notification within 14 days of the oral request, the stop-payment order ceases to be binding. Notice of Varying Amounts of Pre-Authorized Transfers If these regular payments may vary in the amount, we will tell you, 10 days before each payment, when it will be made and how much it will be. Business Days Our business days are Monday through Friday (8:00 AM to 7:00 PM ET) except holidays. Information Disclosure We will not disclose information to third parties about your accounts or transaction(s) unless: 1. It is necessary to verify the existence or condition

7 of your account(s) for a third party, such as a credit reporting agency or merchant. 2. It is needed to comply with a government agency or court order. 3. You give us written permission. In Case of Errors or Questions About Your EFT Transactions Telephone us at (800) or (908) (outside the U.S.) or write to us at: Affinity Federal Credit Union, Member Service Center, P.O. Box 621, Basking Ridge, NJ Contact us as soon as you can if you think that your statement or receipt is wrong or if you need more information about a transaction listed on your statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. You must provide us with the following: 1. Tell us your name, member account number, Debit Access, Business Debit Access or ATM Card number. 2. Describe the error or the transaction that you are unsure about, and explain as clearly as possible why you believe it is an error or why you need more information. 3. Tell us the dollar amount of the suspected error. If you tell us orally, you must also send your complaint or question in writing within 10 business days. We will tell you the results of our investigation, within 10 business days for Debit Access, Business Debit Access or ATM Card transactions or 20 business days for Debit Access, Business Debit Access POS purchase transactions after we hear from you, and will correct any error. We may take up to 45 days or more for Debit Access, Business Debit Access or ATM Card transactions or 90 days for Debit Access, Business Debit Access purchase transactions to investigate your complaint or question. If we decide to do this, we will recredit your account within 10 business days for the amount that 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. For errors involving new accounts, point of sale, or foreign initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. If we do not receive your complaint or question IN WRITING within 10 business days, we may not recredit your account.

8 If we decide there is no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we use in our investigation. If we have credited your account with funds while we were investigating an error, we will debit your account for those funds if no error has occurred. Change of Name/Address You must notify us promptly and in writing of any change in your name and/or address. You can also update your information online through Internet Account Access. Amendments and Cancellation The Credit Union can, at any time (subject to legal restrictions), amend this agreement or cancel your privileges to use your Debit Access, Business Debit Access, ATM Card, and Home Banking. You agree that the Debit Access, Business Debit Access and ATM Card are the property of the Credit Union and are not transferable. You agree to destroy or return to us any card(s) in your possession at our request. If you no longer wish to use the card(s), destroy it at once by cutting it in half and returning it to Affinity. Effective Date This agreement becomes effective when you sign or use the card or any service. Multicurrency Conversion Transactions made in foreign countries will be billed to you in US dollars. Conversion to US dollars is determined by a rate selected by the card processor from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate the card processor itself receives or the government-mandated rate in effect for the applicable central processing date plus 1 percent currency conversion fee. Single-Currency Converstion (Visa Only) Transactions made in foreign countries processed in US dollars are known as single-currency transactions. Single-currency transactions are subject to an.80% International Service Assessment (ISA) fee. The single-currency ISA fees will appear as a separate item on your statement for each transaction completed in a foreign country in US dollars. It is important to note that transactions conducted in US military bases, territories, embassies, or consulates; and fund transfers will not be subject to the.80% ISA fee (05/11)

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUND TRANSFERS DISCLOSURE BankFirst Financial Services MEMBER FDIC ELECTRONIC FUND OR TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS DISCLOSURE BankFirst Financial Services MEMBER FDIC ELECTRONIC FUND OR TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS DISCLOSURE BankFirst Financial Services MEMBER FDIC ELECTRONIC FUND OR TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES In compliance with Federal Reserve Regulation E, BankFirst Financial

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUND TRANSFERS ACT DISCLOSURE SPECIFIC DISCLOSURE INFORMATION REQUIRED BY FEDERAL LAW

ELECTRONIC FUND TRANSFERS ACT DISCLOSURE SPECIFIC DISCLOSURE INFORMATION REQUIRED BY FEDERAL LAW ELECTRONIC FUND TRANSFERS ACT DISCLOSURE SPECIFIC DISCLOSURE INFORMATION REQUIRED BY FEDERAL LAW YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types of Electronic Fund Transfers we are capable of

More information

Generations Community Federal Credit Union 9311 San Pedro Ave San Antonio, TX 78216

Generations Community Federal Credit Union 9311 San Pedro Ave San Antonio, TX 78216 Generations Community Federal Credit Union 9311 San Pedro Ave San Antonio, TX 78216 ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract

More information

BANK OF PONTIAC ACCOUNT ACCESS AND FUNDS TRANSFER SET-UP REQUEST

BANK OF PONTIAC ACCOUNT ACCESS AND FUNDS TRANSFER SET-UP REQUEST BANK OF PONTIAC ACCOUNT ACCESS AND FUNDS TRANSFER SET-UP REQUEST As used in this authorization, I, we and us means the owners of the accounts identified below. You and yours means the depository institution

More information

The First National Bank and Trust Company, Chickasha, Oklahoma Electronic Funds Transfer Agreement and Disclosure

The First National Bank and Trust Company, Chickasha, Oklahoma Electronic Funds Transfer Agreement and Disclosure The First National Bank and Trust Company, Chickasha, Oklahoma Electronic Funds Transfer Agreement and Disclosure This Agreement and Disclosure is made in compliance with federal law regulating electronic

More information

1. EFT SERVICES If approved, you may conduct any one or more of the EFT services offered by the Credit Union.

1. EFT SERVICES If approved, you may conduct any one or more of the EFT services offered by the Credit Union. Electronic Funds Transfer Agreement and Disclosure The Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

Electronic Funds Transfer

Electronic Funds Transfer Electronic Funds Transfer The information presented below pertains to CNB Bank & Trust, N.A.'s automated teller machine service and any other electronic funds transfer services provided through CNB Bank

More information

Electronic Funds Transfer Your Rights and Responsibilities From Security First Bank 5505 Red Rock Lane Lincoln, NE 68516

Electronic Funds Transfer Your Rights and Responsibilities From Security First Bank 5505 Red Rock Lane Lincoln, NE 68516 Electronic Funds Transfer Your Rights and Responsibilities From Security First Bank 5505 Red Rock Lane Lincoln, NE 68516 Indicated below are types of Electronic Fund Transfers we are capable of handling,

More information

ELECTRONIC FUND TRANSFERS

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES 1 ELECTRONIC FUND TRANSFERS Effective 11/02/15 Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account.

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Security National Bank ELECTRONIC FUND TRANSFER DISCLOSURE

Security National Bank ELECTRONIC FUND TRANSFER DISCLOSURE ELECTRONIC FUND TRANSFER DISCLOSURE For purposes of this disclosure the terms "we", "us" and "our" refer to. The terms "you" and "your" refer to the recipient of this disclosure. The Electronic Fund Transfer

More information

Security National Bank of South Dakota ELECTRONIC FUND TRANSFER DISCLOSURE

Security National Bank of South Dakota ELECTRONIC FUND TRANSFER DISCLOSURE ELECTRONIC FUND TRANSFER DISCLOSURE For purposes of this disclosure the terms "we", "us" and "our" refer to. The terms "you" and "your" refer to the recipient of this disclosure. The Electronic Fund Transfer

More information

Visa Debit/ATM Card Agreement/Disclosure Statement

Visa Debit/ATM Card Agreement/Disclosure Statement 335 Commerce Drive Fort Washington, PA 19034 Visa Debit/ATM Card Agreement/Disclosure Statement You understand this Visa debit/atm and/or ATM card holder agreement and disclosure statement sets out your

More information

Anytime Banking Electronic Funds Transfers YOUR RIGHTS AND RESPONSIBILITIES

Anytime Banking Electronic Funds Transfers YOUR RIGHTS AND RESPONSIBILITIES THIS ELECTRONIC FUNDS TRANSFER DISCLOSURE ONLY APPLIES TO PERSONAL ACCOUNTS AND DOES NOT IN ANYWAY APPLY TO BUSINESS ACCOUNTS OR ACCOUNTS USED FOR BUSINESS PURPOSES. BUSINESS ACCOUNT INFORMATION IS DISCLOSED

More information

ELECTRONIC FUND TRANSFER DISCLOSURE

ELECTRONIC FUND TRANSFER DISCLOSURE Forest Park National Bank & Trust Co. Main Office: 7348 W Madison St Branch Office: 7331 W Roosevelt Rd www.forestparkbank.com ELECTRONIC FUND TRANSFER DISCLOSURE For purposes of this disclosure the terms

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

NORTHPOINTE BANK. Northpointe Liquid High Yield Money Market Account

NORTHPOINTE BANK. Northpointe Liquid High Yield Money Market Account NORTHPOINTE BANK Northpointe Liquid High Yield Money Market Account ELECTRONIC FUND TRANSFERS The terms and conditions in this agreement are in addition to those that apply to any deposit or credit account

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES This Electronic Fund Transfer disclosure does not apply to any accounts other than consumer accounts, as defined by Regulation E. Indicated below

More information

ATM Information / Electronic Services / VISA Check Card ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ATM Information / Electronic Services / VISA Check Card ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ATM Information / Electronic Services / VISA Check Card ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and

More information

ARGENT FEDERAL CREDIT UNION ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ARGENT FEDERAL CREDIT UNION ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ARGENT FEDERAL CREDIT UNION ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning

More information

REGULATION E Electronic Funds Transfer Disclosure For Consumer Accounts

REGULATION E Electronic Funds Transfer Disclosure For Consumer Accounts REGULATION E Electronic Funds Transfer Disclosure For Consumer Accounts INTRODUCTION The Provident Bank ( Bank ) offers a number of services that allow you access to the funds in your account(s) by an

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE 2575 Vista Del Mar Drive, Suite 100 Ventura, CA 93001 805.477.4000 Fax: 805.339.4226 vccuonline.net ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ATM/Visa Check Card Application

ATM/Visa Check Card Application ATM/Visa Check Card Application Please fill out the following information, print and fax or mail it back to us at: Antlers 100 N. High St. Antlers, OK 74523 Fax: (580) 298-3751 Atoka 701 S. Mississippi

More information

ELECTRONIC BANKING SERVICES INFORMATION STATEMENT

ELECTRONIC BANKING SERVICES INFORMATION STATEMENT ELECTRONIC BANKING SERVICES INFORMATION STATEMENT This Statement summarizes certain rights and responsibilities which you (our customer) and we (the Bank) have under the Electronic Fund Transfer Act. It

More information

Online Banking, Bill Pay, and E-Statements

Online Banking, Bill Pay, and E-Statements Online Banking, Bill Pay, and E-Statements ERROR RESOLUTION NOTICE In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed in this brochure,

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION This Electronic Fund Transfers Agreement is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC BANKING SERVICES INFORMATION STATEMENT

ELECTRONIC BANKING SERVICES INFORMATION STATEMENT ELECTRONIC BANKING SERVICES INFORMATION STATEMENT This Statement summarizes certain rights and responsibilities which you (our customer) and we (the Bank) have under the Electronic Fund Transfer Act. It

More information

Electronic Fund Transfers Disclosure

Electronic Fund Transfers Disclosure CHIEF FINANCIAL CREDIT UNION 200 DIVERSION ST ROCHESTER HILLS, MI 48307 800-844-5440 Electronic Fund Transfers Disclosure Chief Financial Credit Union offers a number of services to its customers, which

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Pulaski Bank. www.pulaskibankstl.com. Electronic Funds Transfer ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

Pulaski Bank. www.pulaskibankstl.com. Electronic Funds Transfer ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE www.pulaskibankstl.com Electronic Funds Transfer ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE For purposes of this disclosure and agreement the terms "we", "us" and "our" refer to. The terms "you"

More information

IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from. Fidelity Bank & Trust st Ave E Cascade, IA (563)

IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from. Fidelity Bank & Trust st Ave E Cascade, IA (563) IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from Fidelity Bank & Trust 1550 1st Ave E Cascade, IA 52033-0039 (563)852-3245 ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below

More information

ELECTRONIC FUND TRANSFERS DISCLOSURE YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS DISCLOSURE YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS DISCLOSURE YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may apply to your account. Please

More information

ATM/DEBIT CARD APPLICATION

ATM/DEBIT CARD APPLICATION ATM/DEBIT CARD APPLICATION Application and Member Information Account No. Member Name Street City/State/Zip Home Phone Work Phone Joint Owner Street City/State/Zip Joint Owner Information (If applicable)

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION This Electronic Fund Transfers Agreement is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this

More information

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE PERSONAL CHECK and/or ATM CARD

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE PERSONAL CHECK and/or ATM CARD ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE PERSONAL CHECK and/or ATM CARD This agreement and disclosure applies to payment orders and funds transfers governed by the Electronic Fund Transfer Act.

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Burke and Herbert Bank 100 S. Fairfax Street Alexandria, VA 22314 (703) 684-1655 www.burkeandherbertbank.com ELECTRONIC FUND TRANSFER DISCLOSURE

Burke and Herbert Bank 100 S. Fairfax Street Alexandria, VA 22314 (703) 684-1655 www.burkeandherbertbank.com ELECTRONIC FUND TRANSFER DISCLOSURE Burke and Herbert Bank 100 S. Fairfax Street Alexandria, VA 22314 (703) 684-1655 www.burkeandherbertbank.com ELECTRONIC FUND TRANSFER DISCLOSURE For purposes of this disclosure the terms "we", "us" and

More information

ELECTRONIC FUND TRANSFER DISCLOSURE STATEMENT

ELECTRONIC FUND TRANSFER DISCLOSURE STATEMENT ELECTRONIC FUND TRANSFER DISCLOSURE STATEMENT For purposes of this disclosure the terms we, us and our refer to. The terms you and your refer to the recipient of this disclosure. The Electronic Fund Transfer

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

DEBIT MASTERCARD AGREEMENT Revision 10-27-10

DEBIT MASTERCARD AGREEMENT Revision 10-27-10 Please read this disclosure carefully because it tells you your rights and obligation concerning Electronic Fund Transfers and your Debit MasterCard. You should keep this disclosure for further reference.

More information

CONSUMER ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES

CONSUMER ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES CONSUMER ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES This Agreement and Disclosure is made in compliance with federal law regulating consumer electronic funds transfer (EFT) services. Consumer

More information

Preauthorized credits - You may make arrangements for certain direct deposits to be accepted into your checking or savings.

Preauthorized credits - You may make arrangements for certain direct deposits to be accepted into your checking or savings. IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from C US Bank 111 N Elm St PO Box 57 Cresco, IA 52136 (563)547-2040 ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

1. EFT Services. If approved, you may conduct any one or more of the EFT services offered by the Credit Union.

1. EFT Services. If approved, you may conduct any one or more of the EFT services offered by the Credit Union. ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

VISA Check Card Agreement & Disclosure Statement

VISA Check Card Agreement & Disclosure Statement VISA Check Card Agreement & Disclosure Statement In this Agreement and Disclosure Statement ( Agreement ), the words you and your mean each and all those who agree to be bound by this Agreement; Card means

More information

Electronic Funds Transfer

Electronic Funds Transfer Electronic Funds Transfer Types of Transfers, Frequency and Dollar Limitations Prearranged Transfers Preauthorized Credits. You may make arrangements for certain direct deposits to be accepted into your

More information

*DD8108* ELECTRONIC FUND TRANSFER DISCLOSURE

*DD8108* ELECTRONIC FUND TRANSFER DISCLOSURE ELECTRONIC FUND TRANSFER DISCLOSURE For purposes of this disclosure the terms "we", "us" and "our" refer to Central National Bank. The terms "you" and "your" refer to the recipient of this disclosure.

More information

Ascentra Credit Union ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

Ascentra Credit Union ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE Ascentra Credit Union ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

WESTMORELAND COMMUNITY FEDERAL CREDIT UNION DEBIT CARD AGREEMENT AND DISCLOSURE

WESTMORELAND COMMUNITY FEDERAL CREDIT UNION DEBIT CARD AGREEMENT AND DISCLOSURE WESTMORELAND COMMUNITY FEDERAL CREDIT UNION DEBIT CARD AGREEMENT AND DISCLOSURE This Debit Card Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning

More information

Norristown Bell Credit Union

Norristown Bell Credit Union Norristown Bell Credit Union ATM / DEBIT CARD APPLICATION TYPE OF CARD REQUESTED (Please check one) ATM Card DEBIT Card ***IMPORTANT: READ NBCU s DISCLOSURE AND CARDHOLDER AGREEMENT*** **WHEN SELECTING

More information

ELECTRONIC FUND TRANFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers you and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUNDS TRANSFER AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AND DISCLOSURE 135 Raritan Center Parkway Ph: 732.225.1505 Fax: 732.225.4572 www.pinnaclefcu.com ELECTRONIC FUNDS TRANSFER AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and

More information

Know Your Rights and Responsibilities Electronic Funds Transfer Disclosure

Know Your Rights and Responsibilities Electronic Funds Transfer Disclosure Know Your Rights and Responsibilities Electronic Funds Transfer Disclosure 100 East Water Street Sandusky, OH 44870 ELECTRONIC FUND TRANSFERS Your Rights and Responsibilities Indicated below are types

More information

ELECTRONIC FUNDS TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUNDS TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUNDS TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this

More information

ELECTRONIC FUNDS TRANSFER (REG E)

ELECTRONIC FUNDS TRANSFER (REG E) ELECTRONIC FUNDS TRANSFER (REG E) AMERICAN BANK BOZEMAN WEST P.O. BOX 1970 1632 WEST MAIN STREET BOZEMAN, MT 59771-1970 January 8, 2013 This disclosure contains information about terms, fees, and interest

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

DIRECT PAYMENT CARD DISCLOSURE STATEMENT AND USER AGREEMENT

DIRECT PAYMENT CARD DISCLOSURE STATEMENT AND USER AGREEMENT DIRECT PAYMENT CARD DISCLOSURE STATEMENT AND USER AGREEMENT You are required to receive your New York State unemployment insurance payments on your Chase Direct Payment Card Account. The Chase Direct Payment

More information

Home Banking and Bill Pay Electronic Fund Transfer Disclosure and Agreement

Home Banking and Bill Pay Electronic Fund Transfer Disclosure and Agreement Home Banking and Bill Pay Electronic Fund Transfer Disclosure and Agreement GOLDEN VALLEY FEDERAL CREDIT UNION 409 West Center Street Manteca, CA 95336-4544 (209) 825-5878 By continuing beyond this page

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Electronic Fund Transfers we are capable of handling are indicated below, some of which may not apply to your account. Direct Deposits you

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Electronic Funds Transfer Your Rights and Responsibilities From Security First Bank 5505 Red Rock Lane Lincoln, NE 68516

Electronic Funds Transfer Your Rights and Responsibilities From Security First Bank 5505 Red Rock Lane Lincoln, NE 68516 Electronic Funds Transfer Your Rights and Responsibilities From Security First Bank 5505 Red Rock Lane Lincoln, NE 68516 Indicated below are types of Electronic Fund Transfers we are capable of handling,

More information

FEDERAL ELECTRONIC FUND TRANSFER DISCLOSURES

FEDERAL ELECTRONIC FUND TRANSFER DISCLOSURES FEDERAL ELECTRONIC FUND TRANSFER DISCLOSURES IMPORTANT INFORMATION for our customers who have authorized electronic fund transfers: The Federal Electronic Fund Transfer Act and regulations adopted thereunder

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

FIRST FINANCIAL BANK, N.A. DEBIT CARD AGREEMENT EFFECTIVE AUGUST 1, 2013 ATM/VISA CHECK CARD TERMS AND CONDITIONS

FIRST FINANCIAL BANK, N.A. DEBIT CARD AGREEMENT EFFECTIVE AUGUST 1, 2013 ATM/VISA CHECK CARD TERMS AND CONDITIONS DEBIT CARD AGREEMENT EFFECTIVE AUGUST 1, 2013 IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT The USA PATRIOT Act has paved the way for financial institutions to help fight the funding

More information

Merchants Bank, National Association With our corporate office located at: 102 East Third St, Winona, MN 55987, 507-457-1100, toll-free 800-944-6285

Merchants Bank, National Association With our corporate office located at: 102 East Third St, Winona, MN 55987, 507-457-1100, toll-free 800-944-6285 Electronic Funds Transfer Disclosure Merchants Bank, National Association With our corporate office located at: 102 East Third St, Winona, MN 55987, 507-457-1100, toll-free 800-944-6285 All locations:

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure governs your use of any of the following electronic fund transfers (EFT) services (some of which

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Electronic Fund Transfers Disclosure

Electronic Fund Transfers Disclosure Electronic Fund Transfers Disclosure The Electronic Fund Transfers we are capable of handling for consumers are indicated below, some of which may not apply to your account. Some of these may not be available

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Bank of Nebraska 7223 South 84th Street La Vista, NE 68128 (402) 331-8550 ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

Bank of Nebraska 7223 South 84th Street La Vista, NE 68128 (402) 331-8550 ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE Bank of Nebraska 7223 South 84th Street La Vista, NE 68128 ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE For purposes of this disclosure and agreement the terms "we", "us" and "our" refer to Bank of

More information

Regulation E Disclosure

Regulation E Disclosure Regulation E Disclosure Electronic fund Transfers Your rights and Responsibilities The Electronic Fund Transfers we are capable of handling for consumers are indicated below, some of which may not apply

More information

CONSUMER ipay BILL PAYING AGREEMENT/DISCLOSURE Effective February 1, 2008

CONSUMER ipay BILL PAYING AGREEMENT/DISCLOSURE Effective February 1, 2008 CONSUMER ipay BILL PAYING AGREEMENT/DISCLOSURE Effective February 1, 2008 This is your bill paying agreement with Lytle State Bank. You may use Lytle State Bank s bill paying service, ipay, to direct Lytle

More information