REGULATION E DISCLOSURE
THE FIRST NATIONAL BANK OF LIBERAL
324 N.
P.O.
This disclosure contains
information about terms, fees, and interest rates for some of the accounts we
offer.
ELECTRONIC FUNDS TRANSFER AGREEMENT
This Agreement and Disclosure
is made in compliance with federal law regulating electronic funds transfer
(EFT) services. Electronic funds transfers are electronically initiated
transfers of money involving an account at the Financial Institution. The
following disclosures set forth your and our rights and responsibilities
concerning the electronic funds transfers. In this Agreement, the words
"you" and "your" mean those who sign as applicants or any
authorized user(s). The words "we", "us" and
"our" mean the Financial Institution. The abbreviation "
ONLINE BANKING SERVICE
Types of Transactions: You
may access certain account(s) you maintain with us by computer using your
assigned user ID and password by accessing the online banking service. You may
use the online banking service to perform the following functions:
-Transfer Funds Between Eligible Accounts.
-Obtain Balance Information
on Eligible Accounts.
-Review Transactions on
Eligible Accounts.
-Make Loan Payments.
-Online Bill Payment.
-Obtain Copy of Statement.
-Request to Open a New
Account.
-Order Checks.
-Allow Export of Transaction
History to PFM.
-Access Overdraft Lines of
Credit (FGR) on eligible accounts.
-Access Overdraft Privilege
Service SM on eligible accounts. Non
Sufficient Funds (NSF) fee of $20.00 per item will be charged for accessing
this service.
A non-sufficient funds
(overdraft/negative balance) may result from:
A) The payment of checks, electronic funds transfers, ATM withdrawals or
other withdrawal requests you initiate:
B) Payments authorized by you: C)
The return, unpaid, of items deposited by you:
D) Charging your account for our applicable service charges and
fees: E) The deposit of items to your
account which, according to our Funds Availability Policy, are treated as not
yet "available" or "finally paid."
Fees and Charges for Online Service:
There is no charge with a FNB
Checking Account. There is a monthly
service charge of $1.50 for FNB customers without a checking account.
AUTOMATIC TELLER MACHINE (ATM) SERVICES ATM
SERVICES
Types of Transfers: You may use the automated teller machine (ATM) card and personal
identification number (
-Deposit funds to your
checking account.
-Withdraw cash from your
checking account.
-Deposit funds to your
savings account.
-Withdraw cash from your
savings account.
-Transfer funds between your
checking and savings accounts.
-Obtain balance information
on your deposit accounts.
-When you make a deposit at
an ATM, we will give you immediate credit for the first $50 of the deposit. We
will credit your account for the rest of the deposit in accordance with the
following schedule: If you make a deposit on a business day by
-Access Overdraft Line of
Credit (FGR) on eligible accounts.
-Access Overdraft Privilege
Service SM on eligible accounts. A
$20.00 Non Sufficient Funds (NSF) Fee per item will be charged for accessing
this service.
A non-sufficient funds
(overdraft/negative balance) may result from:
A) The payment of checks, electronic funds transfers, ATM withdrawals or
other withdrawal requests you initiate:
B) Payments authorized by you: C)
The return, unpaid, of items deposited by you:
D) Charging your account for our applicable service charges and
fees: E) The deposit of items to your
account which, according to our Funds Availability Policy, are treated as not
yet "available" or "finally paid."
Limitations on Frequency and Amount:
-You may withdraw up to a
maximum of $400.00 (if there are sufficient funds in your account) per day.
-For security purposes, there
are limits on the frequency and amount of transfers you may make using ATMs.
-Your cash withdrawals at
terminals may not exceed $400 per day (that is, from 6:00 p.m. to 6:00 p.m.),
subject to the following additional rules for weekends: Your total cash
withdrawals from 6:00 p.m. Friday to 6:00 p.m. Sunday may not exceed $800 and
your total cash withdrawals from 6:00 p.m. Friday to 6:00 p.m. Monday may not
exceed $1,200. In addition, if Monday is a holiday, your total cash withdrawals
from
Fees and Charges for ATM Transactions:
-There is no charge for ATM
withdrawals at machines owned by us.
-There is no charge for ATM
deposits at machines owned by us. You
may not make deposits at ATMs not owned by us.
-There is a Replacement Card
Fee of $10.00 per card.
ATM Fees. When you use an ATM not owned by us, you may be charged a fee by the
ATM operator (and you may be charged a fee for a balance inquiry even if you do
not complete a fund transfer).
OTHER DIRECT DEPOSITS
Types of Preauthorized Transfers: You may arrange for us to complete the following
preauthorized transfers to your deposit accounts:
-Accept direct deposits from
your employer or other financial institutions to your checking or savings
account.
Fees and Charges:
-We do not charge for any
preauthorized EFTs.
-We will charge $25.00 for
each stop-payment order for preauthorized transfers.
GOVERNMENT DIRECT DEPOSIT
Types of Preauthorized Transfers: You may arrange for us to complete the following
preauthorized transfers to your deposit accounts:
-Accept direct deposits from
the U.S. Treasury Department to your checking or savings account.
Fees and Charges:
-We do not charge for any
preauthorized EFTs.
-We will charge $25.00 for
each stop- payment order for preauthorized transfers.
PREAUTHORIZED DEBIT
Types of Preauthorized Transfers: You may arrange for us to complete the following
preauthorized transfers to or from your deposit accounts:
-Pay certain recurring bills
from your checking or savings account.
Fees and Charges:
-We do not charge for any
preauthorized EFTs.
-We will charge $25.00 for
each stop-payment order for preauthorized transfers.
FIRST CHECK
FIRST CHECK
Types of Transactions: You may use the card and
A non-sufficient funds
(overdraft/negative balance) may result from:
A) The payment of checks, electronic funds transfers, ATM withdrawals or
other withdrawal requests you initiate:
B) Payments authorized by you: C)
The return, unpaid, of items deposited by you:
D) Charging your account for our applicable service charges and
fees: E) The deposit of items to your
account which, according to our Funds Availability Policy, are treated as not
yet "available" or "finally paid."
Limitations on Frequency and Amount:
-You may purchase up to a
maximum of $500.00 worth of goods and services per day, exclusive of ATM
withdrawals.
Fees and Charges:
-We do not charge for any
EXCHANGE
Effective
FNBee
Types of Audio Response Services: You may access your deposit accounts by using a
separate personal identification number (
-Obtain balance information
on your deposit accounts.
-Determine if a particular
check has cleared your account.
-We allow you to check the
date and amount of your deposits.
Limitations on Frequency and Amount:
-Inquiries are unlimited.
-Transfers and withdrawals
are unavailable.
Fees and Charges for Audio Response Transactions:
-We do not charge for any
Audio Response Transactions.
OTHER ELECTRONIC TRANSACTION TYPES
Other EFT Transactions. You
may access certain account(s) you maintain with us by other EFT transaction
types as described below.
-Electronic Check Conversion. You may authorize a merchant to use your check as a
source of information to initiate an EFT from your account. Electronic check
conversion is a payment process in which a merchant (after obtaining your
authorization) uses your check to gather routing, account, and check number
information to initiate a one-time EFT to pay for purchases or to pay bills.
This type of EFT transaction involving a consumer account is covered by the
Electronic Funds Transfer Act and this disclosure. A description of the
transaction will appear on your statement.
-Re-presented Check Transactions and Fees. You may authorize a merchant to electronically
collect a fee associated with the re-presentment of a check that is returned
due to insufficient or unavailable funds. The resulting fee transaction if
debited as an EFT from a consumer account is covered by the Electronic Funds
Transfer Act and this disclosure. When a merchant re-presents a check
electronically, that transaction is not covered by the Electronic Funds
Transfer Act or this disclosure. A description of the transaction will appear
on your statement.
THE FOLLOWING LIMITATIONS
PROVIDED BY LAW:
Liability for Unauthorized VISA Point of
These provisions limiting your
liability do not apply to Visa commercial cards or Visa
VISA is a registered
trademark of Visa International.
In addition to the limitations set forth above, the
following limitations may be applicable to your accounts:
Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your card, ATM
Business Days. For purposes of these electronic funds transfer
disclosures, our business days are Monday through Friday. Holidays are not
included.
DOCUMENTATION
-Periodic Statement. You will get a monthly account statement from us, unless there are no
transactions in a particular month. In any case you will get a statement
quarterly.
-Terminal Receipt. You can get a receipt at the time you make any transfer to or from
your account using an ATM or a
-Direct Deposits. If you have arranged to have direct deposits made to your account at
least once every sixty (60) days from the same person or company, you can call
us at
MISCELLANEOUS
Our 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:
-If, through no fault of
ours, you do not have enough money in your account to make the transfer.
-If the money in your account
is subject to legal process or other claim restricting such transfer.
-If the transfer would go
over the credit limit on your overdraft line.
-If the ATM where you are
making the transfer does not have enough cash.
-If the terminal or system
was not working properly and you knew about the breakdown when you started the
transfer.
-If circumstances beyond our
control (such as fire or flood) prevent the transaction, despite reasonable
precautions that we have taken.
-There may be other
exceptions stated in our agreement with you.
In Case of Errors or Questions About
Your Electronic Transfers. Telephone
us at
-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 within ten (10)
business days.
We will determine whether an
error occurred within ten (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 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 credit your account.
If a notice of error involves
an electronic fund transfer that occurred within thirty (30) days after the
first deposit to the account was made, the error involves a new account. For
errors involving new accounts, point of sale debit card transactions, or
foreign-initiated transactions, we may take up to ninety (90) days to
investigate your complaint or question. For new accounts, we may take up to
twenty (20) business days to credit your account for the amount you think is in
error.
We will tell you the results
within three (3) 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 a notice of error involves
unauthorized use of your point of sale debit card with the Visa logo when it is
used as a Visa point of sale debit card, we will provide provisional credit
within five (5) business days after you notify us instead of within ten (10) or
twenty (20) business days. We may withhold providing this accelerated
provisional credit, to the extent allowed under applicable law, if the
circumstances or account history warrants the delay.
Confidentiality. We will disclose information to third parties about
your account or the transfers you make:
-To complete transfers as
necessary;
-To verify that an item on
your account will clear and that the account is open/closed upon the request of
a merchant; or
-To comply with government
agency or court orders; or
-If you give us your written
permission.
Personal Identification Number (
Notices.
All notices from us will be effective when we have mailed them or delivered
them to your last known address on our records. Notices from you will be
effective when received by us at the telephone number or the address specified
in this Agreement. We reserve the right to change the terms and conditions upon
which this service is offered. We will mail notice to you at least twenty one
(21) days before the effective date of any change, as required by law. Use of
this service is subject to existing regulations governing your account and any
future changes to those regulations.
Enforcement. In the event either party brings a legal action to enforce this
Agreement or collect amounts owing as a result of any Account transaction, the
prevailing party shall be entitled to reasonable attorneys' fees and costs,
including fees on any appeal, subject to any limits under applicable law.
Termination of ATM,
-We have reason to believe
that there has been an unauthorized use of your ATM
-We notify you or any other
party to your account that we have cancelled or will cancel this Agreement. You
or any other party to your account can terminate this Agreement by notifying us
in writing.
Termination of service will
be effective the first business day following receipt of your written notice.
Termination of this Agreement will not affect the rights and responsibilities
of the parties under this Agreement for transactions initiated before
termination.
Preauthorized Electronic Fund Transfers:
-Stop Payment Rights. If you have told us in advance to make regular
electronic fund transfers out of your account(s), you can stop any of these
payments. Here's how: Call us or write to us at the telephone number or address
set forth above, in time for us to receive your request three (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 fourteen
(14) days after you call. We will charge you $ 25.00 for each stop payment order
you give.
-Notice of Varying Amounts. If these regular payments may vary in amount, the
person you are going to pay will tell you, ten (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. If you
have a question about whether a preauthorized Electronic Funds Transfer has
posted to your account or not or the amount of the transfer call (620)624-1971
or outside Liberal (888)624-1971.
-Liability for Failure to Stop Payment of
Preauthorized Transfers. If you order
us to stop one of these payments three (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.
- There may be a delay
between the time a deposit is made and when it will be available for
withdrawal. You should review our Funds Availability Policy to determine the
availability of the funds deposited at ATMs. We reserve the right to refuse any
transaction which would draw upon insufficient funds, exceed a credit limit,
lower an account below a required balance, or otherwise require us to increase
our required reserve on the account.
LIMITATIONS ON ELECTRONIC FUNDS
TRANSFERS FOR SAVINGS ACCOUNTS, FIRST
INSURED MONEY MARKET CHECKING ACCOUNTS,
CHRISTMAS CLUB ACCOUNTS,
PRESTIGE
You may make six (6)
transfers from your account each four (4) week or similar period, if by
preauthorized or automatic transfer, or telephone (including data transmission)
agreement, order or instruction. Three
(3) of these transfers may be made by check, draft, debit card or similar order
(including
The following are The First National
Bank of Liberal ATM Locations:
CONVENIENCE
1421 N. Western
Liberal, KS
EXPRESS BANK
4th &
Liberal, KS
EXPRESS BANK SOUTH
930
Liberal, KS
FIRST NATIONAL BANK
502
15TH &
Liberal, KS
MONEY $ MART
250 E. Tucker
Liberal, KS
Student Activities Bldg.
Liberal, KS
15th & Pershing
Liberal, KS
Member
FDIC