ELECTRONIC FUNDS TRANSFER SERVICES DISCLOSURES
|
|
- Dennis Butler
- 8 years ago
- Views:
Transcription
1 ELECTRONIC FUNDS TRANSFER SERVICES DISCLOSURES The disclosures provided below apply only to electronic fund transfers to or from your Wings share, checking, savings, money market or other consumer asset accounts ( Accounts ) using one of the electronic funds transfer services described below, to the extent such transfers are subject to the Consumer Financial Protection Bureau's Regulation E ( Transfers ). This disclosure explains your basic rights, liabilities and responsibilities as a member of Wings Financial Credit Union who uses any of the electronic funds transfer services set forth below. For purposes of these disclosures, the term Transfer specifically excludes mobile deposits made to your Accounts using our mobile deposit service. These disclosures are in addition to any other agreements between you and us governing our electronic funds transfer services or your Account(s). If there is a conflict between these disclosures and your other agreements with us, these disclosures shall control with respect to your rights, liabilities and responsibilities for Transfers to or from your Accounts using one of our electronic funds transfer services. By using our electronic funds transfer services, you are acknowledging your receipt and agreement to these disclosures. For purposes of these disclosures, the term Security Information means your Wings ID#, Wings PIN, password and/or any other enhanced security information we may require to access our electronic funds transfer services. TYPES OF AVAILABLE ELECTRONIC FUNDS TRANSFERS; LIMITATIONS; CHARGES FOR CU ONLINE SECURE INTERNET ACCOUNT ACCESS CU Online may be used to initiate Transfers between your Accounts (including payment of loans) or your accounts at other financial institutions (External Transfer service described below), perform Account inquiries, pay bills (Bill Payer service described below), and receive advance credit for mail-in deposits (Remote Deposit service described below). (b) Limits on Dollar Amount and Frequency of Transfers There is no limit on the dollar amount or frequency of Transfers that may be made to or from your Account(s) using CU Online, provided that such Transfers do not exceed the available balance in your Account(s) plus any available overdraft protection balance, or other Account-specific limits previously disclosed to you in your Account FOR BILL PAYER (CU Online and Checking Account required) Bill Payer may be used to make one-time or recurring bill payments from your checking Account(s) through CU Online. There is a limit on any single Bill Payer payment of $25,000.00, or the available balance in your designated Account plus any available overdraft protection balance, whichever is less. There is no limit on the frequency of Transfers that may be made to or from your Account(s) using Bill Payer, provided that such Transfers do not exceed the available balance in your Account(s) plus any available overdraft protection balance, or other Account-specific limits previously disclosed to you in your Account (d) Fees for Bill Payer There is no fee for our standard Bill Payer service as long as you make a minimum of three bill payments each month; otherwise a fee of $5.95 will be assessed each month you are enrolled for the service. If you request an expedited Bill Payer payment, a service fee of $9.95 per payment will apply. FOR EXTERNAL TRANSFERS (CU Online and Checking or Savings Account required) Our External Transfer service may be accessed through CU Online and used to make automated clearing house (ACH) transfers between your checking or saving Account(s) at Wings and your checking or savings account(s) at W ( 4 / 1 2 )
2 other financial institutions. Our External Transfer service is subject to a limit of $10, per External Transfer or $25,000 in the aggregate per day from all your combined Accounts, provided that such transfers may not exceed the available balance in your designated Account plus any available overdraft protection balance. There is no limit on the frequency of Transfers that may be made to or from your Account(s) using our External Transfer service, provided that such Transfers do not exceed the available balance in your Account(s) plus any available overdraft protection balance, or other Account-specific limits previously disclosed to you in your Account FOR REMOTE DEPOSIT (CU Online and Checking Account required) Our Remote Deposit service may accessed through CU Online and be used to receive advance credit for checks to be mailed by you to Wings within 7 business days for deposit to your Wings checking Account(s). Information identifying the check will be entered into our system and all or a portion of the deposit may be credited to your Account for immediate use. Even though immediate credit may given, you are responsible for the amount of the check if it is not paid. Special deposit envelopes must be used to ensure proper handling. You may use the Remote Deposit service to receive advance credit for checks up to a pre-determined limit we disclose to you each time you use the service. There is no limit on the frequency of Transfers that may be made to your Account(s) using the Remote Deposit service. However, you may only receive credit for your checks up to the pre-determined limit we disclose to you each time you use of the service. (d) Fees for Remote Deposit Service There is currently no fee for using the Remote Deposit service. However, if your deposit is not received by us within 7 business days of the date that you entered the deposit, any amount previously credited to your Account for such deposit will be reversed and a $20 fee will be charged to your Account. FOR MOBILE BANKING (CU Online required) Mobile Banking may be used initiate Transfers between your Accounts (including payment of loans), perform Account inquiries, and pay bills (Bill Payer service required as described above). There is no limit on the dollar amount of Transfers that may be made to or from your Account(s) using Mobile Banking, provided that such Transfers do not exceed the available balance in your Account(s), plus any available overdraft protection balance, or other Account-specific limits previously disclosed to you in your Account There is no limit on the frequency of Transfers that may be made to or from your Account(s) using Mobile Banking, provided that such Transfers do not exceed the available balance in your Account(s) plus any available overdraft protection balance, or other Account-specific limits previously disclosed to you in your Account FOR CU PAL WINGS PHONE ACCESS LINE CU PAL may be used to initiate Transfers between your Accounts (including payment of loans) and perform Account inquiries.
3 (b) Limits on Dollar Amount and Frequency of Transfers There is no limit on the dollar amount or frequency of Transfers that may be made to or from your Account(s) using CU PAL, provided that such Transfers do not exceed the available balance in your Account(s) plus any available overdraft protection balance or other Account-specific limits previously disclosed to you in your Account FEES FOR ELECTRONIC FUNDS TRANSFER SERVICES There is currently no fee for Transfers initiated to or from your Accounts using our electronic funds transfer services, with the exception of the fees described above for the Bill Payer and Remote Deposit services. SECURITY LIMITATIONS Notwithstanding the foregoing, for security reasons, we may further limit the amount or number of Transfers you can make on a daily or monthly basis, or in the aggregate, and we may limit the dollar amount of Transfers to or from your Account(s). BUSINESS DAYS Our business days are Monday through Friday. Holidays are not included. LIABILITY FOR UNAUTHORIZED TRANSFERS Notify us AT ONCE if you believe your Security Information has been lost or stolen, or if you believe that a Transfer has been made without your permission using your Security Information. Telephoning us is the best way to minimize your possible losses. You could lose all the money in your Account (plus your maximum overdraft line of credit, if any). If you notify us within two (2) business days of learning of the loss or theft of your Security Information, you can lose no more than $50 if someone used your Security Information without your permission. If you do NOT notify us within two (2) business days after you learn of the loss or theft of your Security Information, and if we can prove we could have stopped someone from accessing your Account without permission had we been notified, you could lose as much as $500. Also, if your Account statement shows Transfers you did not make, including those made using your Security Information, notify us AT ONCE. If you do not notify us of the items in question within 60 days after we send the FIRST statement in which the problem or error appeared, you may not get back any money you lost after 60 days if we can prove we could have stopped someone from taking the money had you notified us in time. If a good reason (such a long trip or a hospital stay) kept you from telling us, we will extend the time periods for a reasonable period. If you have elected to receive estatements in lieu of paper statements, your estatements will be dated on or about the day the estatement availability notification is sent to you by , and any applicable time periods within which you must notify us of any unauthorized Transfers on your Account statements shall begin on the date of the estatement regardless of when you retrieve your estatement through CU Online. If you believe your Security Information has been lost or stolen or that someone may have performed a Transfer on your Account without your permission, call Support Services at , option 5 or write to Wings Financial Credit Union, Attn: Support Services, Glazier Avenue, Suite 100, Apple Valley, MN LIABILITY FOR FAILURE TO COMPLETE AUTOMATIC 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, except in certain situations. Exceptions would include: - If, through no fault of ours, your Account has insufficient funds. - If the Transfer would exceed your established overdraft line-of-credit limit. - If our system or your network was not working properly and that fact was evident when you initiated the Transfer. - If the Transfer is restricted or prohibited by law. - If circumstances beyond our control such as flood, fire, power outage, etc., prevent the Transfer, despite reasonable precautions we have taken. - There may be other exceptions stated in our Account agreement with you.
4 RIGHT TO RECEIVE DOCUMENTATION OF TRANSACTION You will receive a periodic statement from us monthly if you have Transfer activity on your Account during the preceding month. You will receive a periodic statement from us quarterly on all other savings Accounts. PREAUTHORIZED TRANSFERS AND STOP PAYMENTS Right to Stop Payment and Procedures for Doing So If you have told us in advance to make recurring payments out of your Account, you can stop any of these payments. Here is how: Call Support Services at , option 5 or write to Wings Financial Credit Union, Attn: Support Services, Glazier Avenue, Suite 100, Apple Valley, MN , in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we may require you to put your request in writing and get it to us within 14 days after you call. We will charge you $25 for each stop payment order you give. Notice of Varying Amounts If you have authorized a person to debit recurring payments from your Account and these recurring payments may vary in amount, the person you are going to pay should tell you, 10 days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set. Liability for failure to stop payment of preauthorized transfer If you order us to stop one of a recurring payment 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Bill Payer Payments Your ability to stop payments initiated using our Bill Payer service is also subject to the terms and conditions of our Bill Payer service. DISCLOSURE OF INFORMATION ABOUT YOUR ACCOUNT TRANSFERS Information about your Account is considered by Wings to be confidential. We will not disclose any information about your Account to third parties except: 1. When it is necessary for completing Transfers. 2. In order to verify the existence and condition of your Account for a third party, such as a credit bureau or merchant. 3. In order to comply with government agency or court orders. 4. If you give us your written permission. 5. As otherwise disclosed in the privacy policy you were provided in connection with your Account(s). IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR TRANSFERS Telephone Support Services at option 5, or write us at Wings Financial, Glazier Ave., Suite 100, Apple Valley, MN as soon as you can, if you think your statement is wrong or if you need more information about a Transfer listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. 1. Tell us your name and Account number. 2. Describe the error or the Transfer you are unsure about, and explain as clearly as you can why you believe 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, we may require that you send us your complaint or questions in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your Account within 10 business days for the amount you think is in error so you will have use of the money during the time it takes to complete our investigation.
5 If we ask you to submit your complaint or question in writing, and we do not receive it within 10 business days, we may not credit your Account. 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 days to credit your Account for the amount you think is in error. We will tell you the results within three days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents used in our investigation. If you have elected to receive estatements in lieu of paper statements, your estatements will be dated the day the estatement availability notification is sent to you by , and any applicable time periods within which you must notify us of any errors on your Account statements shall begin on the date of the estatement regardless of when you retrieve your estatement through CU Online. MODIFICATION OF THESE DISCLOSURES We may change any these disclosures at any time except as required by law. If the change would result in increased fees for any electronic funds transfer service, increased liability for you, fewer types of available electronic funds transfers, or stricter limitations on the frequency or dollar amount of electronic funds transfers, we agree to give you advance notice as required by law, unless an immediate change is necessary to maintain the security of your Account(s) or our electronic funds transfer system. We will post any required notice of the change in these disclosures on the CU Online website or forward it to you by or by postal mail. Your continued use of any or all of the subject electronic funds transfer services indicates your acceptance of the change in terms.
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 informationRegulation 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 informationMerchants 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 informationElectronic 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 informationElectronic 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 informationOnline Banking and Online Bill Payment Agreement and Disclosure Statement Rev. July 21, 2010
Online Banking and Online Bill Payment Agreement and Disclosure Statement Rev. July 21, 2010 This agreement states the terms and conditions that apply when you use our online banking and bill payment services.
More informationELECTRONIC 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 informationKnow 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 informationELECTRONIC 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 informationElectronic Funds Transfer Disclosure Electronic Fund Transfers
Electronic Funds Transfer Disclosure Electronic Fund Transfers Your Rights and Responsibilities 4040 42nd St. SW, Suite O Fargo, ND 58104 PHONE: (701) 364-9050 Indicated below are the types of Electronic
More informationIMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from
IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from First Security Bank of Deer Lodge 311 Milwaukee Ave P.O. Box 629 Deer Lodge, MT 59722 (406)846-2300 ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES
More informationELECTRONIC 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 informationHuron Community Bank 301 Newman Street Po Box 312, East Tawas, MI 48730-0312. Electronic Funds Transfer Disclosure
Huron Community Bank 301 Newman Street Po Box 312, East Tawas, MI 48730-0312 Electronic Funds Transfer Disclosure Electronic Fund Transfers Your Rights and Responsibilities The Electronic Fund Transfers
More informationIMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from. The Roscoe State Bank 117 Cypress St. Roscoe, TX 79545 (325)766-3311
IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from The Roscoe State Bank 117 Cypress St. Roscoe, TX 79545 (325)766-3311 ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below are
More informationIMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from. First National Bank 729 W 7th (Home Office) SPEARMAN, TX 79081 (806)659-5544
IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from First National Bank 729 W 7th (Home Office) SPEARMAN, TX 79081 (806)659-5544 ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below
More informationHow To Get A Check From A Check To A Savings Account
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 informationELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES "NOTICE REGARDING ATM FEES BY OTHERS (a) If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator
More informationFrontier State Bank ELECTRONIC FUNDS TRANSFER
Frontier State Bank ELECTRONIC FUNDS TRANSFER YOUR DEISCLOSURE STATEMENT AND AGREEMENT FOR TRANSFUND CARD, DEBIT CARD AND OTHER ELECTRONIC FUND TRANSFER SERVICES This is a Disclosure Statement and Agreement
More informationIMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from. State Bank 25 North Chestnut Ave New Hampton, IA 50659-0070 (319)352-6000
IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from State Bank 25 North Chestnut Ave New Hampton, IA 50659-0070 (319)352-6000 ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below
More informationELECTRONIC FUNDS TRANSFER
ELECTRONIC FUNDS TRANSFER Ledyard National Bank Main Street Hanover Office 38 S Main St Hanover, NH 03755 June 25, 2012 This disclosure contains information about terms, fees, and interest rates for some
More informationPrairie State Bank & Trust ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES
Prairie State Bank & Trust ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Electronic Fund Transfers Prairie State Bank & Trust (referred to as Bank, we, our, or us ) is capable of handling
More informationPrairie State Bank & Trust ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES
Prairie State Bank & Trust ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Electronic Fund Transfers Prairie State Bank & Trust (referred to as Bank, we, our, or us ) is capable of handling
More informationThese Terms and Conditions specifically apply to the following functionalities:
Online Transfers Terms and Conditions The Service By clicking on Submit below, and by using or authorizing others to use the online transfer functionalities provided through ClientServ SM (the Service
More informationIMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from
IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from The First National Bank of Throckmorton 210 N. Minter Ave. P.O. Box 399 Throckmorton, TX 76483-0399 (940)849-2561 ELECTRONIC FUND TRANSFERS YOUR RIGHTS
More informationNORTHPOINTE 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 informationGREENWOODS STATE BANK. Consumer Internet Banking Agreement and Disclosures
July 2014 GREENWOODS STATE BANK Consumer Internet Banking Agreement and Disclosures Coverage. This Agreement applies to your use of our Internet Banking Service ("Internet Service"), which permits you
More informationELECTRONIC 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 informationATM Card Application
ATM Card Application Name Tax ID Date of Birth Address City, State, Zip Phone I wish to access the following accounts with my ATM Card. I understand that only the account I have designated as "primary"
More informationELECTRONIC 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 informationELECTRONIC FUNDS TRANSFERS AGREEMENT YOUR RIGHTS AND RESPONSIBILITIES
ELECTRONIC FUNDS TRANSFERS AGREEMENT YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types of Electronic Funds Transfers we are capable of handling, some of which may not apply to your account. Please
More informationELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES
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 your account Some of these
More informationBILL PAYMENT SERVICES AGREEMENT TERMS AND CONDITIONS
BILL PAYMENT SERVICES AGREEMENT TERMS AND CONDITIONS This Agreement is the contract which covers your and our rights and responsibilities concerning Bill Payment Services ( Bill Pay ) offered to you by
More informationElectronic Funds Transfer Agreement and Disclosures
Electronic Funds Transfer Agreement and Disclosures ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES Agreement 1. Issuance of Card or Personal Identification Number. In this Agreement and Disclosures
More informationELECTRONIC FUND TRANSFERS Your Rights & Responsibilities (Visa, Automated Teller Machines, EFT, ACH, TAP, Home Banking, etc.)
ELECTRONIC FUND TRANSFERS Your Rights & Responsibilities (Visa, Automated Teller Machines, EFT, ACH, TAP, Home Banking, etc.) To establish the rights of a person using electronic money transfers and the
More information2. lf yes, what is your primary social security number on the accounts you wish to provide access? I I
Electronic banking Services Application To get started with TeleWeb, simply print, complete, glgg and return the enrollment form today. You may either mail the completed and signed application to the address
More informationELECTRONIC FUND TRANSFERS DISCLOSURE AND AGREEMENT
ELECTRONIC FUND TRANSFERS DISCLOSURE AND AGREEMENT AGREEMENT 1. Issuance of ATM Card or MasterCard Debit Card or Personal Identification Number. In this Disclosure and Agreement, the words you, your and
More informationONLINE BILL PAY AGREEMENT AND DISCLOSURES
ONLINE BILL PAY AGREEMENT AND DISCLOSURES This is your bill paying agreement with FIVE COUNTY CREDIT UNION. You may use FIVE COUNTY CREDIT UNION S bill paying service, ONLINE BILL PAY, to direct FIVE COUNTY
More informationNew Online Bill Pay. Save time when you pay your bills online.
The State Bank of Townsend New Online Bill Pay Save time when you pay your bills online. Online Banking users can sign up for Bill Pay service and begin paying their bills online. The service costs just
More informationApplication for Bank of Pontiac NetTeller Services Internet Banking and Bill Pay
Application for Bank of Pontiac NetTeller Services Internet Banking and Bill Pay Please print, complete, and bring this form to any Bank of Pontiac location. You will receive your User ID and PIN via regular
More informationELECTRONIC 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 informationDEBIT 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 informationArlington Bank eservices Agreement Personal Account
Arlington Bank eservices Agreement Personal Account The Arlington Bank is pleased to offer internet banking, mobile banking, electronic statements, electronic alerts and telephone banking (herein referred
More informationEagleBank Online Service Agreement and Electronic Funds Transfer Disclosure
EagleBank Online Service Agreement and Electronic Funds Transfer Disclosure No one from EagleBank will ever contact you in any form (fax, letter, email, phone call, etc.) and ask you to provide your online
More informationArlington Bank Online Banking Agreement Personal Account
Arlington Bank Online Banking Agreement Personal Account The Arlington Bank is pleased to offer internet banking access to customer accounts by acceptance of this agreement. The purpose of the agreement
More informationFUNDS TRANSFER AGREEMENT AND DISCLOSURES
REG E DISCLOSURE This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer. ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES This form complies with
More informationELECTRONIC 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 informationContact information for account assistance is listed on the last page of this brochure. Please read the following terms and conditions carefully.
2014 ELECTRONIC FUND TRANSFER DISCLOSURES AND AGREEMENT The following disclosures and agreement ( Disclosures and Agreement ) describe your rights, protection, and liabilities as a consumer, pursuant to
More informationDebit MasterCard Electronic Funds Disclosure and Agreement
Debit MasterCard Electronic Funds Disclosure and Agreement This Disclosure/Agreement governs the use of electronic funds transfer services (EFT services) available to you from the Canton School Employees
More informationValley National Bank Commercial Internet Banking Enrollment Form
Valley National Bank Commercial Internet Banking Enrollment Form Valley National Bank is under no obligation to accept this enrollment and reserves the right to decline to do so. In addition, enrollment
More informationWarren-Boynton State Bank Internet Account Access User Agreement and Electronic Funds Transfer Disclosure Statement
Warren-Boynton State Bank Internet Account Access User Agreement and Electronic Funds Transfer Disclosure Statement This Internet Banking Access Agreement ("Agreement") contains the terms and conditions
More informationFIRST 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 informationDEBIT CARD & ELECTRONIC FUNDS TRANSFER DISCLOSURE
DEBIT CARD & ELECTRONIC FUNDS TRANSFER DISCLOSURE The purpose of this Disclosure Statement is to make you aware of your rights and responsibilities when using our Debit Card and Electronic Funds Transfer
More informationELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE
ELECTRONIC FUND 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 informationAPPLICABLE TO PERSONAL COMPUTER ELECTRONIC HOME BANKING EFFECTIVE JANUARY 1, 2002.
DC TEACHERS FEDERAL CREDIT UNION ELECTRONIC SERVICES DISCLOSURE AND AGREEMENT APPLICABLE TO PERSONAL COMPUTER ELECTRONIC HOME BANKING EFFECTIVE JANUARY 1, 2002. ELECTRONIC SIGNATURE BY CLICKING "SIGN ON"
More informationArlington Community Federal Credit Union P.O. Box 40070 Arlington, VA 22204-7070 (703) 526-0200
Arlington Community Federal Credit Union P.O. Box 40070 Arlington, VA 22204-7070 (703) 526-0200 ELECTRONIC FUNDS TRANSFER AGREEMENT and DISCLOSURE - REG E This Electronic Funds Transfer Agreement and Disclosure
More informationOnline Banking Internet Agreement
Online Banking Internet Agreement 1. THE SERVICE In consideration of the Online Banking services (Services) to be provided by Stockmens Bank (Bank) as described from time to time in information distributed
More informationELECTRONIC FUNDS TRANSFER (and Error Resolution) DISCLOSURE (Rev. Nov. 6, 2008)
ELECTRONIC FUNDS TRANSFER (and Error Resolution) DISCLOSURE (Rev. Nov. 6, 2008) Deseret First Federal Credit Union s (DFFCU) Agreement and Disclosures are in compliance with federal law regulating electronic
More informationHere are all the forms you need to close out your old checking account and switch to a Montauk Checking Account.
Make the Switch! Have You Switched to Montauk Checking (Share Draft) Account yet? Stop paying all those fees! If you re already a Montauk member you can use this this convenient Switch Kit to make changing
More informationCommercial Bank & Trust of PA Effective December 1, 2015
Commercial Bank & Trust of PA Effective December 1, 2015 Electronic Funds Transfer Disclosure and Terms and Conditions of Your Electronic Banking Account Commercial Bank & Trust of PA ("we," "our," "us"
More informationELECTRONIC 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 informationRegulation E Electronic Funds Transfer Agreement & Disclosure
Regulation E Electronic Funds Transfer Agreement & Disclosure This Agreement and Disclosure is made in compliance with federal law regulating electronic funds transfer (EFT) services. Electronic Funds
More informationELECTRONIC 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 informationOnline Banking Disclosure and Terms
Online Banking Disclosure and Terms Online Banking is a service provided to you by Ion Bank which permits you to access your accounts with Ion Bank in order to transfer funds, pay bills or check the status
More informationElectronic Disclosure of the Terms and Conditions Agreement for the Online Bill Pay Service
Electronic Disclosure of the Terms and Conditions Agreement for the Online Bill Pay Service All references within this document to the terms "Payment Service" and/or "the Service" reflect the Online Bill
More informationOnline Banking Agreement
Online Banking Agreement The Online Banking Agreement (Agreement) states the terms and conditions for OneWest Bank's Online Banking services. In this Agreement, "you", "your", and "yours" refer to the
More informationOnline Banking Client Agreement and Disclosure Statement
Online Banking Client Agreement and Disclosure Statement Read this agreement carefully and print or download a copy for your files! In this agreement, "you," "your," and "yours" refer to each of you that
More informationmsb@home Montezuma State Bank Internet Banking Agreement www.montestbk.com Online banking is not available to children under 18 years of age.
msb@home Montezuma State Bank Internet Banking Agreement www.montestbk.com Online banking is not available to children under 18 years of age. General Terms This agreement (the Agreement ) made between
More informationONLINE BANKING AGREEMENT
ONLINE BANKING AGREEMENT 1. The Service. In consideration of the Online Banking services ("Services") to be provided by Bank of The Valley ("BANK"), as described from time to time in information distributed
More informationBurke 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 informationELECTRONIC 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 informationELECTRONIC FUNDS TRANSFER SERVICES PROVIDED
411 McMurray Road Bethel Park, PA 15102 Phone: (412) 409-2265 ELECTRONIC FUNDS TRANSFERS-REGULATION E YOUR RIGHTS AND RESPONSIBILITIES For purposes of this disclosure the terms "we", "us" and "our" refer
More informationBank to Bank Transfer Application
MEMBER FDIC EQUAL HOUSING LENDER Bank to Bank Transfer Application I am applying for authorization to transfer funds between my Blackhawk Bank checking/savings account(s) and my checking/savings account(s)
More informationDEBIT CARD AGREEMENT AND DISCLOSURE
DEBIT CARD AGREEMENT AND DISCLOSURE This Debit Card Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the debit card services offered to you by Front
More informationElectronic Funds Transfer Disclosures
Electronic Funds Transfer Disclosures 214 Oil Well Road Jackson, TN 38305 PH: 731-664-1784 TF: 1-800-227-1893 www.leaderscu.com The following disclosures set forth your and our rights and responsibilities
More informationELECTRONIC 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 informationOld Dominion National Bank Consumer ebanking Access Agreement and Electronic Fund Transfer Act Disclosure
Old Dominion National Bank Consumer ebanking Access Agreement and Electronic Fund Transfer Act Disclosure Agreement This Agreement is a contract which establishes the rules governing your electronic access
More informationFUNDS AVAILABILITY POLICY DISCLOSURE
FUNDS AVAILABILITY POLICY DISCLOSURE YOUR ABILITY TO WITHDRAW FUNDS AT BLUE RIDGE BANK AND TRUST CO. Our policy is to make funds from your cash and check deposits available to you on the same business
More informationPeoples Online Services and E-Sign Agreement
Peoples Online Services and E-Sign Agreement This Peoples Online Services Agreement and Disclosure ("Agreement") explains the terms and conditions governing basic online services and bill pay services
More informationELECTRONIC 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 informationELECTRONIC 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 informationONLINE BANKING APLICATION
ONLINE BANKING APLICATION Taken by: Initials CUSTOMER INFORMATION Extension Name: New User Existing User Modification Address: TIN/SSN: City: State: Zip: Home Phone: Work Phone: Account Name List all the
More informationOnline Banking Agreement and Disclosures
Online Banking Agreement and Disclosures This agreement states the terms and conditions that apply to your use of Online Banking services offered by Eastman Credit Union. Please read this agreement carefully.
More informationBranson Bank ONLINE BANKING AGREEMENT
Branson Bank ONLINE BANKING AGREEMENT Indicated below are the types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully
More informationELECTRONIC 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 informationELECTRONIC FUND TRANSFERS DISCLOSURE
By opening, using and/or maintaining a City National Bank of Florida (CNB) ATM Card or Check Card, you agree to the terms and conditions of the Deposit Agreement and this Electronic Fund Transfers Disclosure,
More informationOnline Bank Services Agreement and Disclosure Statement INTRODUCTION GENERAL AGREEMENT AND DISCLOSURE
Online Bank Services Agreement and Disclosure Statement INTRODUCTION Welcome to Sierra Vista Bank, and thank you for selecting this Internet banking product. In this publication, we give you important
More informationBusiness Internet Banking Agreement Effective November 12, 2012
Business Internet Banking Agreement Effective November 12, 2012 PRINT AND RETAIN THIS FOR YOUR RECORDS 1. AGREEMENT This Agreement is a contract that establishes the rules that cover your electronic access
More informationONLINE BANKING AGREEMENT AND DISCLOSURE
ONLINE BANKING AGREEMENT AND DISCLOSURE This Online Banking Agreement and Disclosure ("Agreement") is the contract which covers your and our rights and responsibilities concerning Palisades Federal Credit
More informationFarmers Savings Bank & Trust Online Banking Agreement
Farmers Savings Bank & Trust Online Banking Agreement Must be 18-years or older to participate in the Online Banking General Terms This agreement (the Agreement ) made between you and us for accessing
More informationELECTRONIC 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 informationELECTRONIC 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 informationATM Card. Select Checking. Basic Checking
MEMBER AGREEMENT Your acceptance and/or use of the VISA Debit Card or the ATM Card or allowing anyone to use the Card constitutes your agreement to all of the following terms and you will be responsible
More informationELECTRONIC 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 informationELECTRONIC 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 informationELECTRONIC 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 informationElectronic Funds Transfer Disclosure Agreement
Electronic Funds Transfer Disclosure Agreement Your use of any EFT service offered by the Bank will be governed by this Disclosure and by any separate agreement or disclosure that also applies to the EFT
More informationELECTRONIC 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 informationDEBIT CARD AGREEMENT AND DISCLOSURE
DEBIT CARD AGREEMENT AND DISCLOSURE Your Rights and Responsibilities The purpose of this disclosure is to make you aware of your rights and responsibilities when using our Debit Card. You have applied
More informationHAWAII FEDERAL CREDIT UNION ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE
HAWAII 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 informationELECTRONIC 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