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The information presented below pertains to Citizens State Bank's M.A.T.E.Y. automated teller machine service and any other electronic funds transfer services provided through Citizens State Bank. Electronic Funds Transfers 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 careful 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 payment networks. 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:
Info Line 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:
You may access your account for telephone transactions at the following number and during the following hours:
M.A.T.E.Y. MasterMoney ATM Transactions - Types of transactions - You may access your account(s) by ATM at
by using you M.A.T.E.Y. MasterMoney and your personal identification number (PIN) (as applicable) to:
Some of these services may not be available at all terminals. M.A.T.E.Y. MasterMoney Point-of-Sales Transactions - Types of transactions- You may access your checking account(s) by debit card to:
E-Banking - Types of transfers- You may access your accounts by computer at www.csbil.com and using your personal identification number (PIN) to:
Limits and Fees - Please refer to our fee disclosure for information about fees and limitations that may apply to these electronic fund transfers. You will be charged $1.00 for each transfer or transaction you make using any automated teller machine not owned by the issuer. 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). Documentation Terminal Transfers - You can get a receipt at the time you make any transfer to or from you 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:
Periodic Statements - You will get a monthly account statement from us for your checking account(s). Savings accounts that have Electronic Fund Transfer activity will get a statement mailed monthly. 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 discolsure 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:
Confidentiality We will disclose information to third parties about your account or the transfers you make:
Unauthorized Transfers (a) Consumer Liability. 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 Checking Plus 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 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. (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.
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 (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, at 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 (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 explaination. 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: CITIZENS STATE BANK General CSB shall provide written notice 30 days prior to amending any information contained herein.
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