a. Transfer types and limitations:
b. Fees: There are no fees for the use of the bank’s Internet banking service.
c. Confidentiality: We will disclose information to third parties about your account or the transfers you make:
d. Documentation: Periodic statements. You will get a monthly account statement (unless there are no transfers in a particular month. In any case you will get the statement at least quarterly).
e. Preauthorized payments:
f. Consumer Liability: Tell us immediately if you believe your password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. If you do not notify us, you could lose all the money in your account. If you believe your password has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your password and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.
If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods.
g. Contact in event of unauthorized transfer. If you believe your password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call:
First State Bank on Newcastle
P.O. Box 910
Newcastle, WY 82701
Business days: For purposes of these disclosures, our business days are Monday through Friday. Holidays are not included.
h. Financial institution’s liability. 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:
ERROR RESOLUTION NOTICE
In case of errors or questions about your electronic transfers, telephone us at 1-307-746-4411 or write us at P.O. Box 910, Newcastle, WY 82701 or e-mail us at firstname.lastname@example.org 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.
If you tell us orally, we may require that you send us your complaint or question in writing with 10 business days.
We will determine whether an error occurred with 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 that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint in writing and we do not receive it within 10 business days, we may not credit your account.
For errors involving new account, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new account, we may take up to 20 business days to credit your account for the amount you think is in error.
We will tell you the results within three business 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 that we used in our investigation.
Address: P O Box 910
24 N. Sumner
Newcastle, WY 82701
Toll Free: 1-888-788-2892
24-Hr: 1-307-746-CHEK (2435)