Information concerning your Internet Banking account:

a.   Transfer types and limitations:

  1. Account access. You may use your password to:
    a. Transfer funds between your checking and savings accounts whenever you request.
  2. Limitations on frequency of transfers:
    a. There are no limitations on the frequency of transfers.
  3. Limitations on dollar amount of transfers:
    a. There are no limitations on dollar amounts of transfers.

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:

  1. Where it is necessary for completing transfers, or
  2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or
  3. In order to comply with government agency or court orders, or
  4. If you give us your written permission.

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:

  1. Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here’s how: Call us at 1-307-746-4411, or write us at P.O. Box 910, Newcastle, WY 82701, in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. We will charge you $20.00 for each stop-payment order you give.
  2. Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 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.

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:

1-307-746-4411

or write:

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:

  1. If, through no fault of ours, you do not have enough money in your account to make the transfer.
  2. If the system was not working properly and you knew about the breakdown when you started the transfer.
  3. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
  4. There may be other exceptions stated in our agreement with you.

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 fsb@fsbnewcastle.com 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.

  • Tell us your name and account number (if any).
  • 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.
  • Tell us the dollar amount of the suspected error.

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.

By Clicking Here, You Agree to the Above Regulations

Contact Us

Address:      P O Box 910
                      24 N. Sumner
                      Newcastle, WY 82701

Phone:         1-307-746-4411
Toll Free:     1-888-788-2892
24-Hr:           1-307-746-CHEK (2435)
Fax:               1-307-746-2936

Email:         fsb@fsbnewcastle.com