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ELECTRONIC FUND OR TRANSFERS

YOUR RIGHTS AND RESPONSIBILITIES

In compliance with Federal Reserve Regulation E, First National Bank of Oneida , TN submits this disclosure to its customers who utilize electronic fund transfers. Electronic fund transfers are transfers of funds (debits or credits) to the consumer’s deposit account by electronic means in lieu of conventional paper-based entries such as a check or deposit ticket. All ATM (automated teller machine) and First National Bank CHECKCARD transactions are governed by this regulation. The Regulation has been provided to ensure that the consumer receives proper documentation for deposits or withdrawals made electronically to his/her account.

 

Consumer’s Liability For Unauthorized Transfers

Tell us AT ONCE if you believe your First National Bank CHECKCARD, ATM card or PIN 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. If you tell us within two (2) business days after you learn of the loss or theft of your card or PIN you can lose no more than $50.00 if someone uses your card or PIN without your permission. If you DO NOT tell us within 2 business days after your learn of the loss or theft of your card or PIN, and we can prove that we could have stopped someone from using your card or PIN if you had told us, you could lose as much as $500.00.

Also, if your statement shows any transfer that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days if we can prove that we could have stopped someone from making the transfers if you had told us in time.

You will be responsible for all transactions made by an authorized user. Use of the card by you or anyone for your benefit or with actual, implied or apparent authority is an authorized user.

Upon receipt of your card, file in safekeeping the card carrier that has your card number printed on it. You will need to report this number should your card be lost or stolen.

Telephone Number and Address To Be Notified in the Event of Unauthorized Transfer

If you believe your card or PIN has been lost or stolen or that someone has transferred or may transfer money from your account without permission, call or write: First National Bank, PO Box 950, Helenwood, TN 37755. Telephone Number (423) 663-4044. If your First National Bank CHECKCARD is lost and our offices are closed, please call, 1-866-546-8273.

This is not a credit card.

 

Business Day Disclosure

Our regular business days are Monday through Friday. Holidays are excluded.

 

Types of Available Transfers and Limits on Transfers

You may use your First National Bank CHECKCARD to card to access your account(s) through our Automated Teller Machine to:

  1. Withdraw cash from your account(s) designated by yourself.
  2. Transfer funds between your checking and savings account, including payment to loan account.
  3. Determine account balances.

You may use your First National Bank CHECKCARD to access your First National Bank of Oneida , TN account(s) at other financial institution’s automated teller machines to:

  1. Withdraw cash from your account(s).
  2. Transfer funds between your accounts.
  3. Make balance inquiries on your account.

Some of these services may not be available at all terminal locations.

You may also use your First National Bank CHECKCARD to:

  1. Withdraw cash from your primary account or selected account at any MasterCard participating bank.
  2. Pay for goods and services from your primary or selected account at participating MasterCard merchants.

Limitations on card usage:

  1. First National Bank ATM card limits: Our standard daily cash withdrawal limit through the ATM system is $205.00 per banking day, or your available account balance, whichever is less. Saturday, Sunday and Monday are considered one banking day. Three day holidays are also considered one banking day.
  2. First National Bank CHECKCARD limits: There is no limit to the number of times you may use your CHECKCARD. The limitation on the amount is $1000.00 per banking day, or your available balance, whichever is less.

NOTE: We have the right to return any check or other item drawn against your account to ensure that funds are available to pay for CHECKCARD transactions. We may, but do not have to, allow transactions that exceed your available account balance. If we do, you agree to pay the overdraft and the overdraft charges in effect at the time of the overdraft.

 

Charges For Transfers Or Right to Make Transfers

  • ATM transactions fees – No fees at ATMs owned by First National Bank of Oneida , TN
  • ATMs other than FNB machines may have a surcharge of $2, or more, per transaction or inquiry.
  • First National Bank of Oneida assesses a $1.50 service charge each time the FNB Checkcard is used at an ATM other than those owned by FNB.
  • First National Bank CHECKCARD fee – no charge for issuance of 1st card
    • $7 fee for each additional card
  • Cancellation/reissue fee for First National Bank CHECKCARD(s).
    • No fee if fraud is involved
    • $7 fee if card has been lost

First National Bank CHECKCARD customers may be charged a fee for cash advance transactions made at a teller window at financial institutions other than First National Bank of Oneida , TN.

 

Right to Receive Documentation

Of Transfers

Terminal transfers: You get a receipt at the time you make any transfer to or from your account using our First National Bank ATM.

Merchant Receipts: You will receive a copy of the transaction receipt at the time the transaction is originated. You will also receive, on a monthly basis, a statement of your account activity.

Periodic Statement: You will get a monthly account statement unless there are no transfers involving your account(s) in a particular month. In any case you will get a statement quarterly.

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 ATM where you are making the transfer does not have enough cash.
  3. If the terminal was not working properly and you knew about the breakdown when you started the transfer.
  4. If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken.
  5. If there are other exceptions by us, for which you are duly notified in advance by at least 21 days.

Disclosures of Account Information to Third Parties

We will disclose information to third parties about your account or the transfer 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 written permission.

 

In Case of Errors or Questions

In case of errors or questions about your electronic transfers, you may contact us at Teller Error Resolution, First National Bank, PO Box 950, Helenwood, TN 37755; telephone (423) 663-4044. If you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt, notify us immediately. We must hear from you no later than sixty (60) days after we first sent the statement on which the problems or error appeared. When notifying us, please:

  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 question in writing within ten (10) business days.

We will tell you the results of our investigation 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (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 or question in writing and we do not receive it within ten (10) business days, we may not re-credit your account. For errors involving point of sale transactions or ATM transactions outside the United States, the periods referred to above are 20 business days, instead of 10 business days and 90 calendar days instead of 45 calendar days.

If we decide that there was no error, we will send you a written explanation of our findings within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

The Bank is authorized to debit any account you have with it for funds obtained by authorized use of the First National Bank CHECKCARD.

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