Please examine immediately and report if incorrect. If no reply is received within 60 days the account will be considered correct.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS
Telephone or write us at the telephone number or address located on the front of this statement as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.
- (1) Tell us your name and account number (if any).
- (2) Describe the error or transfer you are unsure about, and explain it to us as clearly as you can why you believe there is an error or why you need more information.
- (3) Tell us the dollar amount of the suspected error.
We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will recredit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation.
YOUR OPEN-ENDED CREDIT LINE ACCOUNT SUMMARY OF RIGHTS IS OUTLINED BELOW
This is a summary of your rights; a full statement of your rights and our responsibilities under the Federal Fair Credit Billing Act will be sent to you both upon request and in response to a billing error notice.
Your Open-Ended Credit Line Account is operated in conjunction with your Demand Deposit Account. Any changes for your checking account will be made to the Demand Deposit account and they will be the same charges as are made for Demand Deposit Accounts not operated in conjunction with Open-Ended Credit Line Accounts. The following information thus applies only to loans made to you under your Open-Ended Credit Line Account line of credit.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR OPEN-ENDED CREDIT LINE
If you think your bill is wrong, or you need more information about a transaction on your bill, write us on a separate sheet at the address located on the front of this bill as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information.
- (1) Your name and account number.
- (2) The dollar amount of the suspected error.
- (3) Describe the error and explain if you can, why you believe there is an error. If you need more information, describe the item you are unsure about.
You do not have to pay any money in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount in question.
We figure a portion of the FINANCE CHARGE on your Open-Ended Credit Line Account by applying the daily periodic rate(s) to the “Daily Balance” of your account for the billing cycle. To get the “Daily Balance” we take the beginning balance of your account each day, add any new advances, and subtract any payments or credits and unpaid FINANCE CHARGES. This gives us the daily balance.
The minimum periodic payment required is shown on the front of this bill. You may pay off your Open-Ended Credit Line Account loan balance at any time, or make voluntary additional payments. Payments shall be applied, first to any unpaid FINANCE CHARGES, and second the principal loan balance outstanding in your Open-Ended Credit Line Account. Periodic statements may be sent to you at the end of each billing cycle showing your Open-Ended Credit Line Account loan transaction.
Send payments and inquires to address shown on front of bill.
NOTE: Payments received after close of business shall be deemed received on the following business day for purpose of crediting your account.
Periodic rates may vary on Home Equity Lines of Credit.
Balancing Your Checking Account
You may use this form to assist you in balancing your checking account to your statement. Please complete all the information for the Statement Balance and Check Register Balance forms, and click the Calculate buttons near the bottom of the page. When the Balances at the bottom of the page equals each other, (Adjusted Statement Balance and Adjusted Check Register Balance) you have balanced your checkbook! If the Adjusted Statement Balance and Adjusted Check Register Balance do not equal each other, make sure all the information entered is correct and complete, and calculate and compare balances again.
The Adjusted Statement Balance and Adjust Check Register Balance should equal each other. If they equal each other, you have balanced your checking account! If they do not equal each other, make sure all the information entered is correct and complete, and calculate and compare balances again.