ELECTRONIC FUND TRANSFERS
YOUR RIGHTS AND RESPONSIBILITIES
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 carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.
Types of Transactions
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 payments network. Your authorization to the third pary 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 you 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 transfer include:
Preauthorized credits - You may make arrangements for certain direct deposits to be accepted into your checking and savings accounts.
Preauthorized payments - You may make arrangements to pay certain recurring bills from your checking and savings accounts.
Electronic check conversion - You may provide your check to a merchant or service provider who will scan the check for the encoded financial insitution and account information. The merchant or service provider will then use this information to convert the transaction in an electronic funds transfer.
Electronic returned check charge - You may authorize a merchant or service provider to electronically collect a charge in the event a check is returned for insufficient funds.
FON FUNB (Telephone Banking) transactions - types
of transactions - You may access your account by telephone using your account number(s)
and personal identification number (PIN) to:
- transfer funds from checking to checking or savings account
- transfer funds from savings to checking or savings account
- make payments from checking or savings to loan accounts
- get balance information about deposit or loan accounts
- get withdrawal history about depoist or loan accounts
- get deposit history about deposit or loan accounts
- get transaction history about deposit or loan accounts
You may access you account for telephone transactions at the following number
and during the following hours:
- (866)366-3862 (24 hours a day, 7 days a week)
ATM Card transactions - You may access your
account(s) by ATM using your ATM Card and personal identification number (PIN) to:
- deposit funds to checking and savings
- withdraw cash from checking and savings
- transfer funds from checking to savings
- transfer funds from savings to checking
- get balance information about checking and savings
- $.75 per withdrawal in excess of 5 per month at a foreign bank ATM machine if daily ledger balance in account falls below $1,000.00 during statement cycle. (Average Balance is used for assessing ATM fees on statement savings accounts.)
- Daily limit for ATM withdrawals or purchases
is $200.00 per card.
Some of these services may not be available at all terminals.
Visa Check Card ATM transactions - You may access
your account(s) by ATM using your Visa Check Card and personal identification number (PIN)
to:
- deposit funds to checking and savings
- withdraw cash from checking and savings
- transfer funds from checking to savings
- transfer funds from savings to checking
- get balance information about checking and savings
Some of these services may not be available at all terminals.
Visa Check Card point-of-sale transactions - types
of transactions - You may access you checking account(s) by debit card to do transactions
that participating merchants will accept, including:
- purchase goods in person, by phone, or online
- pay for services in person, by phone, or online
- get cash from a participating merchant or financial institution
- do any transaction that can be made with a credit card
- Daily limit for Visa Check Card point-point-of-sales purchses is $1,000.00 per card. The "day" used to calculate these limites runs from 6:00 PM to 6:00 PM of the following day.
Currency Conversion - When you use your VISA card at a merchant that settles in currency other than U.S. dollars, the charge will be converted to the U.S. dollar amount. The currency conversion rate used to determine the transaction amount in U.S. dollars is either a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate VISA itself recieves, or the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the issuer. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.
Advisory Against Illegal Use - You agree not to use your card(s) for illegal gambing or other illegal purposes. Didplay of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.
Internet Banking - types of transfers - You may access your accounts by computer at www.fun-bank.com and using your User ID/Password and Authentication Image/Passphrase to:
- transfer funds from Checking to Checking
- transfer funds from Checking to Statement Savings
- transfer funds from Statement Savings to Checking
- transfer funds from Statement Savings to Statement Savings
- make payments from Checking to Loans (Regular Payments Only)
(PASSBOOK ACCOUNTS ARE ESTABLISHED AS INQUIRY ACCOUNTS; HOWEVER, DEPOSITS WILL BE ACCEPTED. LOAN ACCOUNTS ARE ESTABLISHED FOR REGULAR PAYMENTS. PRINCIPAL, PARTIAL, OR ADVANCED PAYMENTS MUST BE MADE IN PERSON OR BY U.S. MIAL.)
- get balance information about checking, savings, certificates of deposit or IRA's and Loans
- get withdrawal history about checking, savings, certificates of deposit or IRA's and Loans
- get deposit history about checking, savings, certificates of deposit or IRA's and Loans
- get transaction history about checking, savings, certificates of deposit or IRA's and Loans
Internet Bill Paying - types of transfers - You may access this service by computer at www.fun-bank.com and using your User ID/Password and Authentication Image/Passphrase.
(ACTIVATION LIMITATIONS:
You must have a checking account in good standing.
You must be a legal owner of the Payment Account registered for Bill Payment Service.
You must be at least eighteen (18) years of age to enroll in this service.
You must be a resident of the United States.
You must use the service for individual purposes only, not on behalf of any business, corporation, proprietorship or other entity.
You must have a valid e-mail address and access to the Internet.
You cannot use Bill Payment Service to make payments less than $1.00 or greater than $2,000.
You must agree to the $5.00 monthly service fee for this service.)
Limits and fees - Please refer to our fee disclosure for information about fees and limitations that may apply to these electronic fund transfers.
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).
Limitations on frequency of transfers - In addition to those
limitations on transfers elsewhere described, if any, the following limitations apply to
your Statement Savings, Money Market account(s):
- During any calendar month or statement cycle of at least four
weeks, you may not make more than six withdrawals or transfers to another account of yours
or to a third party by means of a preauthorized or automatic transfer or telephone order
or instruction. No more than three of the six transfers may be made by check, draft,
debit card (if applicable) or similar order to a third party. If you exceed the
transfer limitations set forth above in any statement period, your account will be subject
to closure by the financial institution.
Documentation
Terminal transfers - You can get a receipt at the
time you make any transfer to or from your 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,
you can call us at (814)354-7311 to find out whether or not the deposit has been made.
Periodic statements - You will get a monthly account statement
from us for your checking account(s). If you do not have a checking account with us,
you will get a monthly account statement from us for your savings account.
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 disclosure 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:
(1) If, through no fault of ours, you do not have enough money
in your account to make the transfer.
(2) If you have an overdraft line and the transfer would go over
the credit limit.
(3) If the automated teller machine where you are making the
transfer does not have enough cash.
(4) If the terminal or system was not working properly and you
knew about the breakdown when you started the transfer.
(5) If circumstances beyond our control (such as fire or flood)
prevent the transfer, despite reasonable precautions that we have taken.
(6) There may be other exceptions stated in our agreement with
you.
Confidentiality
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.
Unauthorized Transfers
(a) Consumer liability. (1) 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 overdraft 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 2 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 code 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 hospital stay) kept you
from telling us, we will extend the time period.
(2) Additional Limits on Liability for VISA(R)-branded card,
when used for point-of-sale transactions. Unless you have been grossly negligent or
have engaged in fraud, you will not be liable for any unauthorized transactions using your
lost or stolen VISA(R) Check Card. This limit on liability does not apply to ATM
transactions. If you are liable for unauthorized transactions, your liability will
not exceed $50.00. In addition, even in these circumstances you will not be liable
for unauthorized transactions that occur after you notify us at the address above, orally
or in writing, of the loss, theft, or possible unauthorized use.
(b) Contact in event of unauthorized transfer. If you
believe your card and/or code has been lost or stolen or 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.
(1) Tell us your name and account number (if any),
(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 10 business days.
We will determine whether an error occurred within 10 business
days (5 business days if the transfer involved a point-of-sale transaction and 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, a 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 (5 business days if the transfer involved
a point-of-sale transaction and 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. An account is considered a new account for 30 days
after the first deposit is made, if you are a new customer.
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.
If you have inquiries regarding your account, please contact us at:
First United National Bank
19535 Route 208
P O Box 7
Fryburg, PA 16326
BUSINESS DAYS:
Monday, Tuesday, Wednesday, Thursday, and Friday
Holidays are not included.
PHONE: (814)354-7311
Other Information
Electronic payments are not permitted to or from Passbook Savings or Christmas Club accounts.
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST
Member
FDIC
Contact Information
- Telephone
- (814) 354-7311
- FAX
- (814) 354-7372
- Postal address
- PO Box 7, Fryburg, PA 16326
- Electronic mail
- General Information: funb@venustel.com
Webmaster: funb@venustel.com - 24 Hour Telephone Banking Service
- FON FUNB
- (Toll Free) 866-366-3862
- (Local) 814-354-7369
- Internet Banking Service
- www.fun-bank.com