Electronic Fund Transfers
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 read this disclosure carefully because it tells you your
rights and obligations for the transactions listed. You should
keep this notice for future reference.
Electronic Funds Transfers Initiated By Third Parties.
You may authorize a third party to initiate electronic funds transfers
between your account and the third party's account. These transfers
to make or receive payment may be one-time occurrences or may
recur as directed by you. These transfers may use the Automated
Clearinghouse (ACH) or other payments network. Your authorization
to the third party to make these transfers can occur in a number
of ways. In some cases, your authorization can occur when the
merchant posts a sign informing you of their policy.
In all cases, the transaction will require you to provide the
third party with your account number and financial institution
information. This information can be found on your check as well
as on a deposit or withdrawal slip. Thus, you should only provide
your financial institution and account information (whether over
the phone, the Internet, or via some other method) to trusted
third parties whom you have authorized to initiate these electronic
funds transfers.
Examples of these transfers include:
• Preauthorized credits - You may make arrangements for
certain direct deposits to be accepted into your checking or savings.
• Preauthorized payments - You may make arrangements to
pay certain recurring bills from your checking or savings.
• Electronic check conversion. You may provide your check
to a merchant or service provider who will scan the check for
the encoded financial institution and account information. The
merchant or service provider will then use this information to
convert the transaction in an electronic funds transfer.
• Electronic returned check charge. You may authorize a
merchant or service provider to electronically collect a charge
in the event a check is returned for insufficient funds.
FIRST NATIONAL BANK TELEPHONE BANKING transactions - types of
transactions - You may access your account by telephone using
your account number(s), personal identification number (PIN) and
touch tone phone to:
• transfer funds from savings, checking, line of credit
to saving, checking
• make payments from savings, checking to line of credit
• get balance information about checking, savings, certificates
of deposit or line of credit
• get withdrawal history about checking, savings, certificates
of deposit or line of credit
• get deposit history about checking, savings or certificates
of deposit
• get transaction history about checking, savings, certificates
of deposit or line of credit
You may access your account for telephone transactions at the
following number(s) and during the following hours:
• (800)361-5187 (24 HOURS)
FIRST NATIONAL BANK CASH CARD transactions - types of transactions
- You may access your account(s) by ATM using your FIRST NATIONAL
BANK CASH CARD and your personal identification number (PIN) to:
• deposit funds to checking or savings
• withdraw cash from checking or savings
• transfer funds from savings, checking to savings, checking
• get balance information about checking or savings
Some of these services may not be available at all terminals.
FIRST NATIONAL BANK INSTANT CASH & CHECK CARD ATM transactions
- types of transactions - You may access your account(s) by ATM
using your FIRST NATIONAL BANK INSTANT CASH & CHECK CARD and
your personal identification number (PIN) (as applicable) to:
• deposit funds to checking or savings
• withdraw cash from checking or savings
• transfer funds from savings, checking to savings, checking
• get balance information about checking or savings
Some of these services may not be available at all terminals.
FIRST NATIONAL BANK INSTANT CASH & CHECK CARD point-of-sale
transactions - types of transactions - You may access your checking
account(s) by debit card to:
• purchase goods in person or by phone
• pay for services in person or by phone
• get cash from a participating merchant or financial institution
• Most transactions that can be made with a credit card.
Currency Conversion - When you use your VISA card at a merchant
that settles in currency other than U.S. dollars, the charge will
be converted to the U.S. dollar amount. The currency conversion
rate used to determine the transaction amount in U.S. dollars
is either a government-mandated rate or the wholesale market rate
in effect the day before the processing date, increased by 1%.
The conversion rate in effect on the processing date may differ
from the rate in effect on the transaction date or posting date.
Advisory Against Illegal Use - You agree not to use your card(s)
for illegal gambling or other illegal purposes. Display of a payment
card logo by, for example, an online merchant does not necessarily
mean that transactions are lawful in all jurisdictions in which
the cardholder may be located.
Internet Banking - types of transfers - You may access your accounts
by computer at fnbancs.com and using your personal identification
number (PIN) to:
• transfer funds from checking, savings, line of credit
to checking, savings
• make payments from checking to line of credit
• make payments from checking to third party
• get balance information about checking, savings, certificates
of deposit or line of credit
• get withdrawal history about checking, savings, certificates
of deposit or line of credit
• get deposit history about checking, savings, certificates
of deposit or line of credit
• get transaction history about checking, savings, certificates
of deposit or line of credit
Limits and fees - Please refer to our fee disclosure for information
about fees and limitations that may apply to these electronic
fund transfers.
ATM Operator/Network Fees - When you use an ATM not owned by us,
you may be charged a fee by the ATM operator or any network used
(and you may be charged a fee for a balance inquiry even if you
do not complete a fund transfer).
Limitations on frequency of transfers - In addition to those limitations
on transfers elsewhere described, if any, the following limitations
apply to your savings, MONEY MARKET account(s):
During any calendar month or statement cycle of at least four
weeks, you may not make more than six withdrawals or transfers
to another account of yours or to a third party by means of a
preauthorized or automatic transfer or telephone order or instruction.
No more than three of the six transfers may be made by check,
draft, debit card (if applicable) or similar order to a third
party. If you exceed the transfer limitations set forth above
in any statement period, your account will be subject to closure
by the financial institution.
Documentation
Terminal transfers - You can get a receipt at the time you make
any transfer to or from your account using one of our automated
teller machines or point-of-sale terminals.
Preauthorized credits - If you have arranged to have direct deposits
made to your account at least once every 60 days from the same
person or company:
• the person or company making the deposit will tell you
every time they send us the money.
• you can call us at (308)254-7110 to find out whether or
not the deposit has been made.
Periodic statements - You will get a monthly account statement
from us for your checking account(s).
You will get a quarterly account statement from us for your savings
account(s), if the only possible electronic transfers to or from
the account are preauthorized credits.
You will get a monthly account statement from us for your savings
account(s), unless there are no transfers in a particular month.
In any case, you will get a statement at least quarterly.
Preauthorized Payments
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 is how:
Call or write us at the telephone number or address listed in
this disclosure in time for us to receive your request three 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.
Notice of varying amounts - If these regular payments may vary
in amount, the person you are going to pay will 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 these payments three business
days or more before the transfer is scheduled, and we do not do
so, we will be liable for your losses or damages.
Financial Institution's Liability
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 you have an overdraft line and the transfer would go over
the credit limit.
(3) If the automated teller machine where you are making the transfer
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 fire or flood)
prevent the transfer, despite reasonable precautions that we have
taken.
(6) There may be other exceptions stated in our agreement with
you.
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) as described in our privacy policy disclosure, provided separately.
Unauthorized Transfers
(a) Consumer liability. (1) Generally, tell us AT ONCE if you
believe your card and/or code has been lost or stolen. Telephoning
is the best way of keeping your possible losses down. You could
lose all the money in your account (plus your maximum overdraft
line of credit). If you tell us within two business days, you
can lose no more than $50 if someone used your card and/or code
without your permission. (If you believe your card and/or code
has been lost or stolen, and you tell us within two business days
after you learn of the loss or theft, you can lose no more than
$50 if someone used your card and/or code without your permission.)
If you do NOT tell us within two business days after
you learn of the loss or theft of your card and/or code, and we
can prove we could have stopped someone from using your card and/or
code 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 will extend the time period.
(2) Additional Limit on Liability for VISA(R) card.
Unless you have been grossly negligent or have engaged in fraud,
you will not be liable for any unauthorized transactions using
your lost or stolen VISA card. This additional limit on liability
does not apply to ATM transactions, to transactions using your
Personal Identification Number, which are not processed by VISA,
or to commercial cards.
(b) Contact in event of unauthorized transfer. If you believe
that someone has transferred or may transfer money from your account
without your permission, call or write us at the telephone number
or address listed in this disclosure.
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 disclosure, as soon as you can, if you think your statement
or receipt is wrong or if you need more information about a transfer
listed on the statement or receipt. 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 (if any).
(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 question in writing within 10 business days.
We will determine whether an error occurred within
10 business days (five business days if the transfer involved
a point-of-sale transaction and 20 business days if the transfer
involved a new account) after we hear from you and will correct
any error promptly. If we need more time, however, we may take
up to 45 days (90 days if the transfer involved a new account,
a point-of-sale transaction, or a foreign-initiated transfer)
to investigate your complaint or question. If we decide to do
this, we will credit your account within 10 business days (five
business days if the transfer involved a point-of-sale transaction
and 20 business days if the transfer involved a new account) 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 or question in writing and
we do not receive it within 10 business days, we may not credit
your account. Your account is considered a new account for the
first 30 days after the first deposit is made, unless each of
you already has an established account with us before the account
is opened.
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.
If you have inquiries regarding your account, please contact us
at:
FIRST NATIONAL BANK
809 ILLINOIS ST
PO BOX 157
SIDNEY, NE 69162
BUSINESS DAYS: Monday, Tuesday, Wednesday, Thursday and Friday
Holidays are not included.
PHONE: (308)254-7110
Notice Of ATM/Night Deposit Facility User Precautions
As with all financial transactions, please exercise discretion
when using an automated teller machine (ATM) or night deposit
facility. For your own safety, be careful. The following suggestions
may be helpful.
1. Prepare for your transactions at home (for instance, by filling
out a deposit slip) to minimize your time at the ATM or night
deposit facility.
2. Mark each transaction in your account record, but not while
at the ATM or night deposit facility. Always save your ATM receipts.
Don't leave them at the ATM or night deposit facility because
they may contain important account information.
3. Compare your records with the account statements you receive.
4. Don't lend your ATM card to anyone.
5. Remember, do not leave your card at the ATM. Do not leave any
documents at a night deposit facility.
6. Protect the secrecy of your Personal Identification Number
(PIN). Protect your ATM card as though it were cash. Don't tell
anyone your PIN. Don't give anyone information regarding your
ATM card or PIN over the telephone. Don't write your PIN where
it can be discovered. For example, don't keep a note of your PIN
in your wallet or purse.
7. Prevent others from seeing you enter your PIN by using your
body to shield their view.
8. If you lose your ATM card or if it is stolen, promptly notify
us. You should consult the other disclosures you have received
about electronic fund transfers for additional information about
what to do if your card is lost or stolen.
9. When you make a transaction, be aware of your surroundings.
Look out for suspicious activity near the ATM or night deposit
facility, particularly if it is after sunset. At night, be sure
that the facility (including the parking area and walkways) is
well lighted. Consider having someone accompany you when you use
the facility, especially after sunset. If you observe any problem,
go to another ATM or night deposit facility.
10. Don't accept assistance from anyone you don't know when using
an ATM or night deposit facility.
11. If you notice anything suspicious or if any other problem
arises after you have begun an ATM transaction, you may want to
cancel the transaction, pocket your card and leave. You might
consider using another ATM or coming back later.
12. Don't display your cash; pocket it as soon as the ATM transaction
is completed and count the cash later when you are in the safety
of your own car, home, or other secure surrounding.
13. At a drive-up facility, make sure all the car doors are locked
and all of the windows are rolled up, except the driver's window.
Keep the engine running and remain alert to your surroundings.
14. We want the ATM and night deposit facility to be safe and
convenient for you. Therefore, please tell us if you know of any
problem with a facility. For instance, let us know if a light
is not working or there is any damage to a facility. Please report
any suspicious activity or crimes to both the operator of the
facility and the local law enforcement officials immediately.
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST
IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS
COMMON FEATURES
Limits and fees - The following fees may be assessed
against your account and the following transaction limitations,
if any, apply to your account:
Replace ATM card or Visa Debit Card $10.00
ATM Foreign Terminal Usage $2.00 per transaction
Dollar limit $400.00 per day
Automatic transfer between accounts held with us to cover overdraft
3.00
Check printing Fee depends on style of check ordered
Temporary check $0.20
Cashier's check $1.00 per hundred/$3 minimum $10 maximum
Money order $1.00 per hundred/$3 minimum
Travelex Travel Money cards $7.95 each new card $2.00 for second
card sharing funds
Travelex Travel Money card reload $3.95 each time
Nonsufficient funds item (each item created by check, in-person
withdrawal, ATM withdrawal, or other electronic means) 20.00
Free and Gold Checking Nonsufficient Funds Item (each item created
by check, in-person withdrawal, ATM withdrawal, or other electronic
means) 27.50
Continuous Overdraft Fee 20.00
This fee is imposed for every seven days the account is at a negative
balance.
Account activity printout $1.00 per page
Special statement cutoff $3.00
Account research $30.00 per hour
Account balancing assistance $30.00 per hour
Microfilm Reproduction $5.00 per page
Stop payment - all items $15.00
Domestic Wire transfer (incoming or outgoing) $15.00
Foreign Wire transfer (incoming or outgoing) $25.00
Garnishments $35.00
Executions $35.00
Levies $35.00
Collection Item $5.00 per item
Non-customer Check Cashing $1.00 per hundred/$5.00 minimum
Non-customer Coin Counting 10% of total coin, $5.00 minimum
Fax $3.00 first page $1.00 each additional page
Photocopies $0.25 per page
Dormant account fee $3.00 per month
An account is dormant if for one year:
There have been no deposits or withdrawals to the account
Account statements returned for an incorrect address.
