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CONSUMER'S LIABILITY
You will tell us AT ONCE if you believe your ATM/Debit Card has been lost or stolen. Telephoning us 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 believe your ATM/Debit Card 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 ATM/Debit Card without your permission.
If you do NOT tell us within two business days after you learn of the loss or theft of your ATM/Debit Card and we can prove we could have stopped someone from using your ATM/Debit Card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, you will 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 that 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 long trip or a hospital stay) kept you from telling us, we will extend the time periods.
CONTACT IN EVENT OF UNAUTHORIZED TRANSFER
If you believe your ATM/Debit Card has been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, you will call (660-425-7285 or write BTC BANK, P.O. Box 467, Bethany MO 64424.
BUSINESS DAYS
For purposes of these disclosures, our business days are Monday through Friday. Holidays are not included.
TYPES OF TRANSFERS
You may authorize certain direct deposits to your checking account or savings account. You may authorize certain bills and other payments to be deducted from your checking or savings accounts. You may authorize transfers from and to your line of credit.
You may use your ATM/Debit Card to: Inquire on the balance of checking or savings accounts; make cash withdrawals from checking or savings accounts; make deposits to checking or savings accounts; transfer funds between checking and savings. (Some of these services may not be available at all terminals.)
LIMITATIONS ON DOLLAR AMOUNTS OF TRANSFERS
You may withdraw only $200 in cash from our terminals within 24 hours and only a total of $500 in cash from our terminals within 72 hours (3 days).
TYPES OF POINT-OF-SALE TRANSACTIONS (DEBIT CARDS ONLY)
You may access your checking account to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that can be done with a credit card (that a participating merchant will accept with a credit card.)
LIMITATIONS ON POINT-OF-SALE TRANSACTIONS (DEBIT CARDS ONLY)
You may not exceed $500 in a 24 hour period at an ATM or $1,000 total daily including the use of point-of-sale terminals. You are limited to $1,500 in a 72 hour period for PIN based transactions. 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. We do not charge BTC BANK customers at ATM's owned by BTC BANK. Your first ATM/Debit Card and regular renewals are FREE. Replacement cards will be charged to your account at a cost of $7.00 each. If your card is lost or stolen, there will be an additional charge of $7.00 to initiate a HOT CARD ALERT.
PLEASE NOTIFY US 60 DAYS PRIOR TO EXPIRATION DATE ON YOUR DEBIT CARD IF YOU DO NOT WANT TO RENEW.
CONFIDENTIALITY/PRIVACY
We will disclose information to third parties about your account or the transfers you make: When necessary for completing transfers, or in order to verify the existence and condition of your account for a third party such as a credit bureau or merchant, or in order to comply with government agency or court orders, or if you give us written permission.
Documentation
TERMINAL TRANSFERS
You will get a receipt at the time you make any transfer to or from your account using one of our ATM/Debit Cards.
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 you can call us at 660-425-7285 to find out whether the deposit has been made.
PERIODIC STATEMENTS
You will get a monthly account statement unless there are no electronic transfers in a particular month. In any case, you will get the statement at least quarterly.
Preauthorized Payments
STOP PAYMENTS
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 us at 660-425-7285 or write us at BTC BANK, P.O. Box 467, Bethany MO 64424-0467, 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 can also require you to put your request in writing and get it to us within 14 days after your call.
NOTICE OF VARYING AMOUNTS
If these regular payments 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
If we do not complete a transfer to or from your account on time, or in the correct amount according to your agreement with us, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable if through no fault of ours, you do not have enough money in your account to make the transfer; if the transfer would go over the credit limit on your overdraft line; if the automated teller machine 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; or, if circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. There may be other exceptions stated in your agreement with us.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS
You will telephone us at 660-425-7285 or write us at BTC BANK, P.O. Box 457, Bethany, MO 64442-0467 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. You will 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 and tell us the dollar amount of the suspected error. If you tell us orally, we can require that you send us your complaint in writing within 10 business days.
We will determine whether an error occurred within 10 business days (20 business days if NEW account) after we hear from you and will correct any error promptly. If we need more time, however, we can take up to 45 days (90 days if point-of-sale transaction, or NEW account, 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 if 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 in question in writing and we do not receive it within 10 business days, we may not credit your account. For the purpose of this paragraph, an account is a NEW account for a period of 30 days from the date of the first deposit. 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.
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