Disclosure

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ELECTRONIC FUNDS TRANSFER YOUR RIGHTS AND RESPONSIBILITIES
The Electronic Fund Transfers we are capable of handling are indicated herein, some of which may not apply to your account. Some of these may not be available at all terminals. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference. For the purposes of Electronic Funds Transfer, every day is a business day except Saturdays, Sundays and federal holidays. “PIN” means a personal identification number that is required to access certain services remotely by telephone, automated teller machine (ATM) or at a merchant’s location. “Deposit account” means your savings and/or checking account.

TYPES OF AVAILABLE TRANSFERS
Preauthorized transfers.

Private Access telephone transfers. You may access your deposit account by telephone by calling 1-800-355-2140. Using your Private Access Code (PAC) and account number, you may:

ATM transfers. You may access your deposit accounts by ATM using your FSNB VISA CheckCard and PIN.
With this card you may:

Please Note: Some of the above services may not be available at all ATMs. Deposits made at ATMs after 11:00 a.m. (CST) and withdrawals made after 12:00 a.m. (CST) will be processed on the next business day. Also, please see the Limitations on Transfers section for limitations on using ATMs.
Point-of-Sale transactions. You may access your deposit account by the use of your FSNB Visa CheckCard to:

Please note: Some merchants (gas stations, hotels, car rentals, etc.) may place an authorization hold on your CheckCard in advance for the estimated cost of the transaction. This hold may take several days to be removed depending on the merchant’s processing schedule.

Online Banking transactions. You may access your accounts by computer, using your user name, password and Internet access at www.fsnb.com to:

Please Note: Transfers made after 11:45 p.m. are processed on the next business day.

LIMITATIONS ON TRANSFERS
In addition to those limitations described elsewhere, the following general limitations apply:

Please Note: ATM and in person withdrawals are not limited. Also, for security purposes, limits may be placed on the frequency and amount of ATM transfers that may be made.

LIMITATIONS ON TRANSACTIONS
ATMs. Cash withdrawals at ATMs are normally limited to $1,000 per business day.
Point-of-sale. You may use your CheckCard to purchase up to $1,500 in goods and services each day, as long as your available balance is sufficient to cover the aggregate of all purchases and all prior purchases have posted to your account.
Online Banking. Transfers may be made for amounts up to $5,000 per business day.
Illegal transactions. You agree you will not use your CheckCard for any illegal transaction including Internet gambling.
Please Note: As with any banking transaction, FSNB may limit the amount of withdrawals to currently collected balances and all deposits are accepted on a provisional basis, subject to collection through normal banking procedures. We reserve the right to refuse cash withdrawals.
CHARGES

DOCUMENTATION

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’s how: Call or write us at the telephone number and address listed under “Notification Procedures”, 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 $30 for each stop-payment.
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 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.
CheckCard. You cannot place a stop payment on any transaction made with your Visa CheckCard.

BANK’S 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:

There may be other exceptions stated in our agreement with you.

CONFIDENTIALITY
We will not disclose information to third parties about your account or transfers made, except:
As necessary to complete the transfers;

UNAUTHORIZED TRANSFERS
Consumer Liability: Tell us AT ONCE if you believe your card, PIN or login identification and password have been lost, stolen or otherwise compromised, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft protection or line of credit). If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, 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 2 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, please review your account statement carefully. If your statement shows transfers that you did not make, including those made by card, code or other means, 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.
VISA CHECKCARD LIABILITY: Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any point-of-sale transactions using your lost or stolen FSNB Visa CheckCard. This additional limit on liability does not apply to ATM transactions or to PIN transactions which are not processed by Visa. Visa is a registered trademark of Visa International Service Association.

ERROR RESOLUTION NOTICE FOR GENERAL ACCOUNTS AND CHECKCARDS
In case of errors or questions about your electronic transfers, call or write to us as soon as you can at the number and address shown in the “Notification Procedures” section if you think your statement or receipt is wrong or if you need more information about a transfer. You must notify FSNB of any errors no later than sixty (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 ten (10) business days. We will determine whether an error occurred 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 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 or question in writing and we do not receive it within 10 business days, we may not credit your account. During our investigation of an alleged error, we may restrict any or all use of your Card.
For errors involving new accounts, point-of-sale, or foreign initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, 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.
We are not obligated to reissue any Card or PIN that has been lost or stolen.

NOTIFICATION PROCEDURES
Business days and hours to report problems: Monday through Friday 7:00 a.m. to 7:00 p.m., Saturday 8:00 a.m. to 1:00 p.m. (Central Time), excluding federal holidays.
If your card and/or PIN has been lost or stolen or if you believe an unauthorized transfer has taken place call: (800) 749-4583 or write: FSNB CARD DEPARTMENT, PO Box 33009, Fort Sill, OK 73503.
To report a lost or stolen card and/or PIN after business hours contact FSNB at (800) 355-2140.


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