Welcome to
NORTHSTAR BANK
OF TEXAS
We are a bank dedicated
to building relationships and providing
exceptional products and services
Welcome!
1
Please Note!
On Monday, November 5, 2012
all Treaty Oak Bank locations
will officially become
Important Conversion
Timeline Information
The transfer to NORTHSTAR BANK will take place the week-end of
November 2nd – 4th, 2012. Our goal is to provide a smooth transition
to the new NORTHSTAR BANK system. We would like to apologize
for the inconvenience of temporary interruption of services that our
Treaty Oak customers will experience during this conversion weekend.
Please note the following important dates:
BRANCH OPERATIONS
Friday, November 2nd
All Treaty Oak locations will be operating under normal
business hours.
Welcome to NORTHSTAR BANK OF TEXAS! We
hope this Information Guide will provide you with the
detailed information you need regarding the conversion of your personal or business accounts, and inform
you of the services you can expect to receive.
We are here to serve you during this transition. If
you have any questions that are not addressed or
concerns about how this will affect you and your
banking needs, please don’t hesitate to contact us.
Call: 512.617.3626
Email: [email protected]
Click: www.nsbwelcome.com
Come by any Treaty Oak Bank location
West Lake Hills
101 Westlake Drive | Austin, TX 78746
Ph: 512.617.3600 or 888.387.3289
Barton Creek
2800 Barton Creek Blvd. | Austin, TX 78735
Ph: 512.334.5440
Ranch Road 620
12128 Ranch Road 620 | Austin, TX 78750
Ph: 512.335.4226
35th Street
1515 W. 35th St., Bldg. F | Austin, TX 78703
Ph: 512.302.9200
Marble Falls
507 Ranch Road 2147 | Marble Falls, TX 78654
Ph: 830.798.6900
Saturday, November 3rd
All Treaty Oak locations will be closed.
Monday, November 5th
All Treaty Oak locations will reopen as NORTHSTAR BANK.
DEBIT CARD / ATM CARD
You will be mailed a new NORTHSTAR BANK Debit /
ATM MasterCard® (see detailed information on Page 5)
Friday, November 2nd @ 4:00 PM (CDT)
Last date to use ATMs at Treaty Oak locations.
Sunday, November 4th |
DAYLIGHT SAVINGS TIME ENDS
Last date to use your Treaty Oak Debit / ATM MasterCard®.
Remember to activate your new NORTHSTAR BANK
Debit / ATM MasterCard®. (see detailed information on Page 5)
Monday, November 5th @ 7:00 AM (CST)
Your Treaty Oak Debit / ATM Card will be deactivated.
Monday, November 5th @ 7:00 AM (CST)
You can begin using your NEWLY-ACTIVATED
NORTHSTAR BANK Debit / ATM MasterCard®.
NOTE: During system conversion week-end (Friday, November 2nd
– Sunday, November 4th), you WILL be able to use your current
Treaty Oak Debit / ATM Card for ATM and Point of Sale transactions.
ONLINE BANKING
Friday, November 2nd @ 4:00 PM (CDT)
Access to Treaty Oak online banking and bill payment will
be UNAVAILABLE except in an “inquiry” mode only
until Monday, November 5th @ 9:00 AM (CST).
Monday, November 5th @ 9:00 AM (CST)
Access to your online banking account and bill payment
process is available through NORTHSTAR BANK’s
online banking. (See Page 5 and 6 for more details)
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Who is NORTHSTAR
BANK OF TEXAS?
We are the largest community bank in Denton
County and one of the
largest in the Dallas /
Fort Worth area. Headquartered in Denton, Texas, NORTHSTAR
BANK was recently acquired by Carlile Bancshares, Inc. and established as their flagship financial institution. Currently, we have
10 locations in the North Texas Region, and approximately $1 billion in assets. Simply stated, you have the resources and staff to
provide the products and services of a big bank, but with the personal style of service to let you know you are banking with people
who know and care about you as a customer.
Chartered in 1973 as Lake Cities State Bank, NORTHSTAR
BANK OF TEXAS was restructured and renamed in early 1999,
and moved its headquarters to Denton, TX. It grew from $39 million in assets and two locations, to our current size with locations
in Denton, Argyle, Colleyville, Corinth, Denton-South, Grapevine, Krum, Lake Dallas, Lewisville and Pilot Point before being
acquired by Carlile Bancshares, Inc.
A
Strong
Corporate
Neighbor
NORTHSTAR is committed to being
a good corporate neighbor within the
communities we serve. In the past, we
have annually contributed over 5,000
man hours to volunteering with nonprofits, schools, and service organizations in hopes of building a better place
to live and work. Recently, we participated with a local church in building
our first Habitat for Humanity home
in Denton, TX. Besides United Way,
Children’s Advocacy Center, Relay for
Life, education foundations, etc., we
send gift packages to the service men
and women overseas every year, and
find other ways to show our volunteer
spirit in the markets we serve.
Our employees are dedicated to providing exceptional customer
service within all of the markets we serve. We look forward to
extending our reputation as a “can do” organization as we expand
into the Central Texas area.
NORTHSTAR BANK OF TEXAS
Corporate Headquarters
400 N. Carroll Blvd. in Denton, Texas
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NORTHSTAR BANK OF TEXAS
has been named one of the
Best Companies to Work for in
Texas for the last four years in
the mid-size category.
Personal Banking
NORTHSTAR BANK OF TEXAS offers a wide variety of Personal Banking products and services to make your banking
experience pleasant, efficient, and to best meet your financial needs.
Deposit FAQs
1. Will there be changes to my personal deposit accounts?
The current names, features and benefits of your Treaty Oak Bank deposit accounts will be converted to a similar NORTHSTAR BANK deposit account. The good news is that with these changes, many products have additional benefits and services
over what you have been receiving in the past. (See Product Mapping enclosed to learn about the details of these changes.)
2. Will my deposit account numbers stay the same?
Yes! To insure this conversion is as convenient as possible, your deposit account numbers will stay the same.
3. Will my direct deposits and automatic payments continue?
They certainly will! As part of the conversion, all routing numbers for Treaty Oak accounts will automatically switch to
NORTHSTAR BANK. So any direct deposits or automated payments coming to and from your account will be redirected
at that time.
4. Are my Treaty Oak Bank checks still permitted to be used?
They sure are! Since your deposit account numbers stay the same, you can continue to use your Treaty Oak Bank checks until
it is time to reorder.
5. Will the interest rates and terms on my CDs and IRAs remain the same?
Yes! All Treaty Oak terms and rates you currently are receiving will remain until maturity. If your CD or IRA is set to
automatically renew, it will continue to do so, and you will receive a notice which will include a document with new
Terms and Conditions.
6. Will my current Overdraft Privilege (ODP) service still be available?
Yes! If you have currently opted-in to the Treaty Oak Bank Overdraft Privilege program, you will continue to receive this
service. Your coverage will remain the same. Standard overdraft fee of $29.50 will be assessed should we need to pay a transaction that overdraws your account. Currently, your maximum overdraft fee assessed by Treaty Oak Bank is limited to 4 per day.
As of November 5th, the maximum number of paid overdraft and returned item fees will increase to a combined total of 5.
7. Can I still get copies of my Treaty Oak Statements?
Yes, until Monday, November 5th @ 9:00 AM (CST). It is recommended that you print copies of your Treaty Oak Bank
statements through the online banking product.
NOTE: Your statement / account history will not carry forward with your current converted transaction history.
After November 5th @ 9:00 AM (CST), there may be a charge to provide your statement history.
8. Will I continue to receive e-Statements?
Yes, but you will have to re-enroll online at www.nstarbank.com.
Loan FAQs
1. Will my loan number remain the same?
Yes! Account numbers for loans and lines of credit will not change. If there are isolated cases where a loan number will need to
be changed, you will receive a separate communication indicating your new number(s).
2. Where do I send my loan payment after the conversion?
You can continue to make your loan payment by using the same method as you always have – mail, online, or in person at the
bank. Current loan payments that are automatically deducted from your Treaty Oak Bank checking account, or from another
financial institution, will transfer during the system conversion in November.
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Personal Banking
MasterCard® Debit / ATM Card FAQs
1. Will I be able to continue to use my Treaty Oak Bank MasterCard® Debit / ATM Card after the conversion?
No. As part of the conversion, you will be mailed a new NORTHSTAR BANK MasterCard® Debit / ATM Card along
with a separate mailing which will include your new PIN approximately one week before the conversion. The new card
will replace your Treaty Oak Bank Debit / ATM Card. Activation instructions will be provided with your new NORTHSTAR
BANK Debit / ATM Card.
NOTE: While you will be able to activate your new NORTHSTAR BANK Debit / ATM
Card ahead of time, you will continue to use your Treaty Oak Debit / ATM Card through
Monday, November 5th @ 7:00 AM (CST). At that time, your Treat Oak Debit / ATM
Card will be deactivated and you will begin using your newly activated NORTHSTAR
BANK Debit / ATM Card at ATMs or with point of purchase transactions.
2. Do you charge for ATM transactions?
ATM transactions for existing Treaty Oak Bank customers will remain a free service. The ATMs at Barton Creek and Marble
Falls will remain in place for your convenience.
3. Can I have my own Personal Identification Number (PIN) to use on my new Debit / ATM Card?
You can! When you receive your new NORTHSTAR BANK MasterCard® Debit / ATM Card you will receive a temporary
PIN to use. If you wish to change that PIN to a more familiar PIN that you are more accustomed to using, simply bring
your new card into any of our Treaty Oak Banking Centers, and you can make that change in a matter of minutes.
REMINDER: If you currently have automatic Debit Card payments from merchants using your Treaty Oak Bank Debit
Card, you should notify those merchants and give them your new NORTHSTAR BANK MasterCard® Debit / ATM Card
number to avoid delays with your payments effective November 5th @ 7:00 AM (CST).
Online Banking
NORTHSTAR BANK’s StarNet Online Banking tool is designed to manage your bank
account from the convenience of any computer or electronic device, anytime or anywhere!
Besides making everyday banking transactions, you will find many other services available for your use:
• Bill Payment
• e-Statements
• Account to Account Transfers
• NORTHSTAR Mobile Banking for iPhone, Android Phone, or other Smartphone
• Purchase U.S. Savings Bonds
• Utilize our Foreign Currency Exchange program
Online Banking FAQs
1. If I’m currently using Treaty Oak Bank’s Online Banking product, will I need to register with NORTHSTAR BANK’s
online banking after the conversion?
Your online banking product will convert over during the conversion process. Your Access ID will remain the same,
however, all uppercase letters will be changed to lowercase, and all other characters you have established will remain the
same. (Example: ABC123 will be abc123) For security purposes, you will also be asked to accept the Terms and Conditions
for NORTHSTAR BANK’s online banking product when you login the first time.
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Personal Banking
Online Banking FAQs - Continued
2. Will my password remain the same after conversion?
You will have a temporary password which will be the last four digits of your Social Security Number. The system will
then prompt you to establish a new password and have you answer some security questions for your protection.
3. What is the last day I can login to Treaty Oak’s online banking and bill pay before the conversion?
Your online banking and bill payment program will be available until 4:00 PM (CST) on Friday, November 2nd. At that
time, the system will go into its conversion mode and you will be unable to access the site other than for inquiry purposes.
4. When will the NORTHSTAR BANK online banking and bill payment service be available to start using?
On Monday, November 5th @ 9:00 AM (CST), your Treaty Oak online banking login will be rerouted to NORTHSTAR
BANK’s online banking site. Any account information you currently have access to via Treaty Oak’s system will be moved
over to the new site during the conversion.
NOTE: You will need to print out your statement / account history PRIOR to November 5th @ 9:00 AM (CST),
as history will not transfer over. After conversion, there may be a charge to obtain that information.
5. Will my bill pay payee information transfer over to NORTHSTAR BANK’s online bill pay?
Yes, your bill pay payee information that you currently have created in the Treaty Oak bill pay program will transfer over
during conversion.
Telephone Banking
NORTHSTAR BANK offers several ways to access your account information via the telephone following the conversion.
Our Touch Tone Banking can be accessed by calling 512-617-3645 or 877-339-7827. It is 24 hour banking at your
fingertips! It’s easy to use. (See instruction card included in the back of this packet.)
Is there a cost for using Touch Tone Banking?
Access to Touch Tone Banking is a service that is provided at no charge to the customer calling 512-617-3645 from a local
512 area code, or the 877-339-7827 listing.
NORTHSTAR Mobile Banking
Now your banking can be handled from the ease of your mobile phone. With NORTHSTAR Mobile Banking you can:
• Access your account information
• Transfer money to other banks
• Pay bills
Simply enroll in Online Banking at www.nstarbank.com
You can access your account through our Free downloadable
app through the App Store or Android Market.
Mobile Web Access or Text Messaging Features
Is there a cost for using NORTHSTAR Mobile Banking?
NORTHSTAR Mobile Banking is a free service, although standard rates from your wireless provider may apply.
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Commercial / Business Banking
Business Banking is designed to offer you many choices to fit your needs. Whether you are a large corporation or a small start
up business with few transactions, NORTHSTAR has a product for you.
Deposit FAQs
1. Will my business deposit account change?
While the name of your business account product may change, the features and benefits of your business account will virtually
remain the same. Please see the enclosed Business Product Mapping sheet that explains the differences, if any.
2. Will my business deposit account number stay the same?
Yes it will! Even though the account type for your business might change, your account number will remain the same as the
number you have had with Treaty Oak Bank.
3. Can I continue to use my Treaty Oak Bank business checks after the conversion?
Absolutely! Since your checking account number stays the same, you can continue to use your Treaty Oak Bank business
checks after the conversion and until it is time for you to reorder.
4. If I’m currently using Online Banking for my business, will I need to re-enroll with NORTHSTAR BANK’s
Online Banking after the conversion?
No, you will not need to re-enroll in NORTHSTAR BANK’s Online Banking service. Your Access ID will remain exactly
the same. An email will be sent directly to you with your temporary password. The next time you login, you will be asked
to establish a new password and select some security questions for your protection. If you would like to see a tutorial of
NORTHSTAR BANK’s Online Banking service, you can visit www.nstarbank.com and click on the Online Education
Center under “Quick Links”, and select Business Services. There you can view not only Online Banking, but other services
offered as well.
NOTE: You will need to print out your statement / account / bill payment history PRIOR to November 5th @ 9:00 AM
(CST), as history will not transfer over. After conversion, there may be a charge to obtain that information.
5. When will I be able to start using the NORTHSTAR BANK Business Online Banking and Bill Payment services?
You can access your Business Online Banking product beginning Monday, November 5th @ 9:00 AM (CST).
Your bill payment services will be available beginning Tuesday, November 6th @ 9:00 AM (CST).
NOTE: You will need to download all Bill Pay Vendor information prior to Monday, November 5th @ 9:00 AM (CST).
6. Will I be able to continue to use my Treaty Oak Bank MasterCard® Business Debit / ATM Card after the conversion?
No. As part of the conversion, you will be mailed a new NORTHSTAR BANK MasterCard® Business Debit / ATM Card
along with a separate mailing which will include your new PIN approximately one week before the conversion. The new
card will replace your Treaty Oak Bank Business Debit / ATM Card.
NOTE: While you will be able to activate your new NORTHSTAR BANK Business Debit / ATM Card ahead of time,
you will continue to use your Treaty Oak Debit / ATM Card through Monday, November 5th @ 7:00 AM (CST). At
that time, your Treat Oak Business Debit / ATM Card will be deactivated and you will begin using your newly activated
NORTHSTAR BANK Business Debit Card at ATMs or with point of purchase transactions.
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Commercial / Business Banking
Treasury Management Services
NORTHSTAR BANK’s Treasury Management products and services allow businesses, whether start-up, small, or large
commercial, to maximize the value of their cash, reduce expenses and improve efficiencies with daily accounting functions.
1. If I use Treasury Management Services today, how will these services be converted?
If you are currently using Treasury Management Services, such as Remote Deposit, ACH Origination, and/or
Online Wire Initiation, you will be contacted directly to discuss the conversion process.
2. Will there be changes to my Treaty Oak Commercial Analysis Checking?
Your Treaty Oak Commercial Analysis Checking account will be changed to the NORTHSTAR Commercial Checking
account. Both accounts offer an earnings credit rate. You will not see any differences between the features of these two
accounts.
Other Services
NORTHSTAR BANK OF TEXAS will be bringing new services to the Treaty Oak customers as an added benefit.
Mortgage
NORTHSTAR BANK MORTGAGE has made applying for a Mortgage Loan as easy as possible. Whether buying, building
or refinancing, NORTHSTAR offers a variety of programs to fit the residential real estate financing needs of our customers.
Pre-qualify online at www.nstarbank.com or come to one of the Treaty Oak Bank locations to meet with one of our Mortgage
Specialists.
Investment Services
NORTHSTAR BANK OF TEXAS wants to help you develop and implement a solid plan for your investments by providing
this service through our NORTHSTAR Investment Professionals, Inc. representative. Ask for details at any of the Treaty Oak
Bank locations.
Customer Service
Customer Service is something we value at NORTHSTAR BANK OF TEXAS. Our goal is to provide exceptional products and
services to our customers. Should a problem or question arise, you may call 512-617-3626 during the normal Treaty Oak Bank
hours of operation.
In addition, you may send us an email via our website www.nstarbank.com on the “Contact Us” page, or by emailing
[email protected].
Our Customer Service operation is available in our headquarters by dialing 940-383-6200 – Option 1. The hours of
operation are as follows:
Monday – Thursday | 8:30 AM – 5:00 PM (CST)
Friday | 8:30 AM – 6:00 PM (CST),
Saturday | 9:00 AM – 12 Noon (CST)
Sunday | Closed.
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Locations Guide
________________
Denton Regional Medical Center
3535 S. Interstate Hwy. 35
Denton, Texas 76210
Forest Park Medical Center
110 N. Central Expressway
Dallas, Texas 75243
Midway Truck Stop
17605 W. Hwy. 380
Krum, Texas 7249
North Texas Region
In addition to our NORTHSTAR
Banking Center locations,
our customers can use the
following ATMs with no surcharge.
NORTHSTAR BANK Mortgage - Denton
3111 Unicorn Lake Blvd., Suite 120
Denton, Texas 76210
940.533.5363
NORTHSTAR BANK Mortgage - Dallas
14643 Dallas Pkwy., Suite 250
Dallas, Texas 75252
Professional & Executive Division
543 W. Main St., Suite 101
Lewisville, Texas 75057
972.350.8331
NORTHSTAR BANK
Banking Center
Locations
North Texas Region
Denton Banking Center - Corporate*
400 N. Carroll Blvd.
Denton, Texas 76210
940.591.1200
Argyle Banking Center*
100 S. Old Town Blvd.
Argyle, Texas 76226
940.464.4200
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Central Texas Region
NORTHSTAR Banking Center
NORTHSTAR Banking Center & ATM
Colleyville Banking Center*
6110 Colleyville Blvd.
Colleyville, Texas 76034
682.325.5200
Krum Banking Center*
1101 E. McCart St.
Krum, Texas 76249
940.482.6882
Central Texas Region
Corinth Banking Center*
5100 S. Stemmons Frwy.
Corinth, Texas 76210
940.321.4545
Lake Dallas Banking Center*
2004 S. Stemmons Frwy.
Lake Dallas, Texas 75065
940.321.4684
35th Street Banking Center
1515 W. 35th St., Building F
Austin, Texas 78703
512.302.9200
Ranch Road 620 Banking Center
12128 Ranch Rd. 620
Austin, Texas 78750
512.335.4226
Grapevine Banking Center*
1002 Texan Trail
Grapevine, Texas 76051
682.325.5225
Lewisville Banking Center*
543 W. Main St., Suite 100
Lewisville, Texas 75057
972.350.8300
Barton Creek Banking Center*
2800 Barton Creek Blvd.
Austin, Texas 78735
512.334.5440
West Lake Hills Banking Center
101 Westlake Dr.
Austin, Texas 78746
512.617.3600 or 888.387.3289
Denton- South Banking Center*
3301 Teasley Ln.
Denton, Texas 76210
940.383.6234
Pilot Point Banking Center*
700 S. Hwy. 377
Pilot Point, Texas 76258
940.686.5023
Marble Falls Banking Center*
507 Ranch Rd. 2147
Marble Falls, Texas 78654
830.798.6900
* Denotes an ATM at this location
Important Documents & Information
Important Conversion
Timeline Information
Friday, November 2nd
All Treaty Oak locations will be
operating under normal business hours
Friday, November 2nd @ 4:00 PM (CDT)
Last date to use ATMs at Treaty Oak locations.
Friday, November 2nd @ 4:00 PM (CDT)
Access to Treaty Oak online banking and bill payment
will be UNAVAILABLE except in an “inquiry” mode
only until Monday, November 5th @ 9:00 AM (CST)
Saturday, November 3rd
All Treaty Oak locations will be closed
DAYLIGHT SAVINGS TIME ENDS
Sunday, November 4th
Last date to use your Treaty Oak Debit / ATM MasterCard®.
Remember to activate your new NORTHSTAR BANK
Debit / ATM MasterCard®. (see detailed information on Page 5)
Monday, November 5th
All Treaty Oak locations will reopen as NORTHSTAR BANK
You will be mailed a new NORTHSTAR BANK Debit /
ATM MasterCard® (see detailed information on Page 5)
Monday, November 5th @ 7:00 AM (CST)
Your Treaty Oak Debit / ATM Card will be deactivated.
Monday, November 5th @ 7:00 AM (CST)
You can begin using your NEWLY-ACTIVATED
NORTHSTAR BANK Debit / ATM MasterCard®.
Note: During system conversion week-end (Friday, November 2nd
– Sunday, November 4th), you WILL be able to use your current
Treaty Oak Debit / ATM Card for ATM and Point of Sale transactions.
Monday, November 5th @ 9:00 AM (CST)
Access to your online banking account and bill payment process is
available through NORTHSTAR BANK’s online banking.
(See Page 5 and 6 for more details)
Please read all of the detailed material in this packet for
important dates and information regarding your account(s).
Disclosures
YOUR DEPOSIT ACCOUNT TERMS AND CONDITIONS
AGREEMENT – This document, along with any other documents we give you pertaining to your account(s) is a contract that establishes rules which control your
account(s) with us. Please read this carefully. If you sign the signature card or open or continue to use the account, you agree to these rules. You will receive a
separate schedule of rates, qualifying balances, and fees if they are not included in this document. If you have any questions, please call us.
This agreement is subject to applicable federal laws and the laws of the State of Texas (except to the extent that this agreement can and does vary such rules or laws).
The body of state and federal that governs our relationship with you, however, is too large and complex to be reproduced here. The purpose of this document is to:
(1) summarize some laws that apply to common transactions;
(2) establish rules to cover transactions or events which the law does not regulate;
(3) establish rules for certain transactions or events which the law regulates but permits variation by agreement; and
(4) give you disclosures of some of our policies to which you may be entitled or in which you may be interested.
If any provision of this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. We may permit
some variations from our standard agreement, but we must agree to any variation in writing wither on the signature card for your account or in some other document.
As used in this document the words “we,” “our,” and “us” mean the financial institution and the words “you” and “your” mean the account holder(s) and anyone with
the authority to deposit, withdraw, or exercise control over the funds in the account. The headings in this document are for convenience or reference only and will not
govern the interpretation of the provisions. Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular
includes the plural and the plural includes the singular. “Party means a person who, by the terms of any account, has a present right, subject to request, to payment
from the account other than as a beneficiary or agent.
LIABILITY - You agree, for yourself (and the person or entity you represent if you sign as a representative of another) to the terms of this account and the schedule of
charges. You authorize us to deduct these charges directly from the account balance as accrued. You will pay any additional reasonable charges for services you
request which are not covered by this agreement.
Each of you also agrees to be jointly and severally (individually) liable for any account shortage resulting from charges or overdrafts whether caused by you or another
with access to this account. This liability is due immediately, and can be deducted directly from the account balance whenever sufficient funds are available. You have
no right to defer payment of this liability and you are liable regardless of whether you signed the item or benefited from the charge or overdraft. You will also be liable
for our costs to collect the deficit as well as for our reasonable attorneys’ fees, to the extent permitted by law, whether incurred as a result of collection or in any other
dispute involving your account including, but not limited to, disputes between you and another joint owner; you and an authorized signer or similar party; or a third
party claiming an interest in your account.
DEPOSITS - We will give only provisional credit until collection is final for any items, other than cash, we accept for deposit (including items drawn “on us”). Actual
credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.S. dollars. We are not responsible for transactions by
mail or outside depository until we actually record them. We will treat and record all transactions received after our “daily cutoff time” on a business day we are open,
or received on a day we are not open for business as if initiated on the next business day that we are open.
WITHDRAWALS – Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make
withdrawals may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each
other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with
us. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar
item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for
withdrawal. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the
postdating in time to have a reasonable opportunity to act. We may refuel any withdrawal or transfer request which you attempt on forms not approved by us, by any
method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal
limitations. Even if we honor a nonconforming request, we may treat continued abuse of the stated limitations (if any) as your act of closing the account. We will use
the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. The fact that we may honor withdrawal requests
that overdraw the available account balance does not obligate us to do so later. You agree that we may charge fees for overdrafts and use subsequent deposits,
including direct deposits of social security or other government benefits to cover such overdrafts and overdraft fees. If we are presented with an item drawn against
your account that would be a “substitute check,” as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree
that we may pay such item. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which
our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal.
We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings
account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty.
See your notice of penalty for early withdrawal.
OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION – These rules apply to this account depending on the form of ownership and beneficiary designation, if
any, specified on the account records. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they
determine to whom we pay the account funds.
SINGLE-PARTY ACCOUNT WITHOUT “P.O.D.” (PAYABLE ON DEATH) DESIGNATION – The party to the account owns the account. On the death of the party, ownership
of the account passes as part of the party’s estate under the party’s will or by intestacy.
SINGLE-PARTY ACCOUNT WITH “P.O.D.” (PAYABLE ON DEATH) DESIGNATION - The party to the account owns the account. On the death= of the party, ownership of
the account passes to the P.O.D. beneficiaries of the account. The account is not a part of the party’s estate.
MULTIPLE-PARTY ACCOUNT WITHOUT RIGHT OF SURVIVORSHIP - The parties to the account own the account in proportion of the parties’ net contributions to the
account. The financial institution may pay any sum in the account to a party oat any time. On the death of a party, the party’s ownership of the account passes as part
of the party’s estate under the party’s will or by intestacy.
Account Disclosures
Northstar Bank of Texas
Page 1 of 7
MULTIPLE-PARTY ACCOUNT WITH RIGHT OF SURVIVORSHIP – The parties to the account own the account in proportion to the parties’ net contributions to the
account. The financial institution may pay any sum in the account to a party at any time. On the death of a party, the party’s ownership of the account passes to the
surviving parties.
MULTIPLE-PARTY ACCOUNT WITH RIGHT OF SURVIVORSHIP AND “P.O.D.” (PAYABLE ON DEATH) DESIGNATION - The parties to the account own the account in
proportion to the parties’ net contributions to the account. The financial institution may pay any sum in the account to a party at any time. On the death of the last
surviving party, the ownership of the account passes to the P.O.D. beneficiaries.
CONVENIENCE ACCOUNT – The parties to the account own the account. One or more convenience signers to the account may make account transactions for a party. A
convenience signer does not own the account. On the death of the last surviving party, ownership of the account passes as a part of the last surviving party’s estate
under the last surviving party’s will or by intestacy. The financial institution may pay funds in the account to a convenience signer before the financial institution
receives notice of the death of the last surviving party. The payment to a convenience signer does not affect the parties’ ownership of the account.
TRUST ACCOUNT – The parties named as trustees to the account own the account in proportion to the parties’ net contributions to the account. A trustee may
withdraw funds from the account. A beneficiary may not withdraw funds from the account before all trustees are deceased. On the death of the last surviving trustee,
the ownership of the account passes to the beneficiary. The trust account is not a part of a trustee’s estate and does not pass under the trustee’s will or by intestacy,
unless the trustee survives all of the beneficiaries and all other trustees.
BUSINESS, ORGANIZATION AND ASSOCIATION ACCOUNTS – Earnings in the form of interest, dividends, or credits will be paid only on collected funds, unless otherwise
provided by law or our policy. We may require the governing body of the entity opening the account to give us a separate authorization telling us who is authorized to
act on its behalf. We will honor the authorization until we actually receive written notice of a change from the governing body of the entity.
STOP PAYMENTS – You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on
it before our stop-payment cutoff time. To be effective, your stop-payment order must precisely identify the number, date and amount of the item, and the payee.
You may stop payment on any item drawn on your account whether you sign the item or not, if you have an equal or greater right to withdraw from this account than
the person who signed the item. A release of the stop-payment request may be made only by the person who initiated the stop payment order.
Our stop-payment cutoff time is one hour after the openings of the next banking day after the banking day on which we see receive the item. Additional limitations on
our obligations to stop payment are provided by law (e.g., we paid the item in cash or we certified the item).
TELEPHONE TRANSFERS – A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the
same persons and under the same conditions generally applicable to withdrawals made in writing. Unless a different limitation is disclosed in writing, we restrict the
number of transfers from a savings account to another account or to third parties, to a maximum of six per month (less the number of “preauthorized transfers” during
the month). Other account transfer restrictions may be described elsewhere.
AMENDMENTS AND TERMINATION – We may change any term of this agreement. Rules governing changes in interest rates are provided separately. For other
changes, we will give you reasonable notice in writing and by any other method permitted by law. We may also close this account at any time upon reasonable notice
to you and tender of the account balance personally or by mail. Notice from us to any one of you is notice to all of you.
STATEMENTS – Your Duty to Report Unauthorized Signature, Alterations and Forgeries – You must examine your statement of account with “reasonable promptness.”
If you discover (or reasonably should have discovered) any unauthorized signatures or alterations, you must promptly notify us of the relevant facts. As between you
and us, if you fail to do either of these duties you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used ordinary
care and, if not, whether we contributed to the loss). The loss could be not only with respect to items on the statement but other items with unauthorized signature or
alterations by the same wrongdoer.
You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30
days from when the statement is first sent or made available to you.
You further agree that if you fail to report any unauthorized signatures, alterations or forgeries in your account within 60 days of when we first send or make the
statement available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours. This 60-day
limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in addition to that contained in the first paragraph of this section.
Your Duty to Report Other Errors – In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine
your statement with reasonable promptness for any other error - such as an encoding error. You agree that the time you have to examine your statement and report to
us will depend on the circumstances. However, such time period shall not exceed 60 days. Failure to examine your statement and report any such errors to us within
60 days of when we first send or make the statement available precludes you form asserting a claim against us for any such errors on items identified in that statement
and as between you and us the loss will be entirely yours.
Errors Relating to electronic Fund Transfers or Substitute Checks (for consumer accounts only) – For information on errors relating to electronic fund transfers (e.g.,
computer, debit card or ATM transactions) refer to your Electronic Fund Transfers disclosure and the sections on consumer liability and error resolution. For
information on errors relating to a substitute check you received, refer to your disclosure entitled Substitute Checks and Your Rights.
ACCOUNT TRANSFER – This account may not e transferred or assigned without our prior written consent.
DIRECT DEPOSITS – If, in connection with a direct deposit plan, we deposit any amount in an account which should have been returned to the Federal Government for
any reason, you authorize us to deduct the amount of our liability to the Federal Government from the account or from any other account you have with us, without
prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability.
TEMPORARY ACCOUNT AGREEMENT – If this option is selected, this is a temporary account agreement. Each person who signs to open the account or has authority to
make withdrawals (except as indicated to the contrary) may transact business on this account. However, we may at some time in the future restrict or prohibit further
use of this account if you fail to comply with the requirement s we have imposed within a reasonable time.
Account Disclosures
Northstar Bank of Texas
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SETOFF – We may (without prior notice and when permitted by law) set off the funds in this account against any due and payable dept you owe us now or in the future,
by any of you having the right of withdrawal, to the extent of such persons’ or legal entity’s right to withdraw. If the debt arises from a note, “any due and payable
debt” includes the total amount of which we are entitled to demand payment under the terms of the note at the time we set off, including any balance the due date for
which we properly accelerate under the note.
This right of setoff does not apply to this account if prohibited by law. For example, the right of setoff does not apply to this account if: (a) it is an Individual Retirement
Account or similar tax-deferred account, or (b) the debt is created by a consumer credit transaction under a credit card plan (but this does not affect our rights under
any consensual security interest), (c) the debtor’s right of withdrawal only arises in a representative capacity, or (d) the debt is created by a home equity loan. We will
not be liable for the dishonor of any check when the dishonor occurs because we set off a debt against this account. You agree to hold us harmless form any claim
arising as a result of our exercise with our right of setoff.
RESTRICTIVE LEGENDS – We are not required to honor any restrictive legend on checks you write unless we have agreed in writing to the restriction. Examples of
restrictive legends are “must be presented within 90 days” or “not valid for more than $1,000.00.”
CHECK PROCESSING – We may process items mechanically by relying on the information encoded along the bottom of the items. This means that we may not
individually examine all of your items to determine if the item is properly completed, signed and indorsed. You agree that we have not failed to exercise ordinary care
solely because we use an automated system to process items and do not inspect all items processed in such a manner. We reserve the right not to inspect each item
because using an automated process helps us keep costs down for you and all account holders. We may determine the amount of available funds in your account for
the purpose of deciding whether to return an item for insufficient funds at any time between the time we receive the item and when we return the item or send a
notice in lieu of return. We need only make one determination, but if we choose to make a subsequent determination, the account balance at the subsequent time will
determine whether there are insufficient available funds.
CHECK CASHING – We may charge a fee for anyone that does not have an account with us who is cashing a check, draft or other instrument written on your account.
We may also require reasonable identification to cash such a check, draft or other instrument. We can decide what identification is reasonable under the circumstances
and identification may be documentary or physical and may include collecting a thumbprint or fingerprint.
TRUNCATION, SUBSTITUTE CHECKS, AND OTHER CHECK IMAGES – If you truncate an original check and create a substitute check, or other paper or electronic image of
the original check, you warrant that no one will be asked to make payment on the original check, a substitute check or any other electronic or paper image, if the
payment obligation relating to the original check has already been paid. You also warrant that any substitute check you create conforms to the legal requirements and
generally accepted specifications for substitute checks. You agree to retain the original check in conformance with our internal policy for retaining original checks. You
agree to indemnify us for any loss we may incur as a result of any truncated check transaction you initiate. We can refuse to accept substitute checks that have not
previously been warranted by a bank or other financial institution in conformance with the Check 21 Act. Unless specifically stated in a separate agreement between
you and us, we do not have to accept any other electronic or paper image of an original check.
REMOTELY CREATED CHECKS – Like any standard check or draft, a remotely created check (sometimes called a telecheck, preauthorized draft or demand draft) is a
check or draft that can be used to withdraw money from an account. Unlike a typical check or draft, however, a remotely created check is not issued by the paying bank
and does not contain the signature of the account owner (or a signature purported to be the signature of the account owner). In place of a signature, the check usually
has a statement that the owner authorized the check or has the owner’s name typed or printed on the signature line. For example, if a person provides an account
number in response to a telephone solicitation, the telephone solicitor can use the account number to issue a remotely created check to withdraw money from that
account.
You warrant and agree to the following for every remotely created check we receive from you for deposit or collection: (1) you have received express and verifiable
authorization to create the check in the amount and to the payee that appears on the check; (2) you will maintain proof of the authorization for at least 2 years from the
date of the authorization, and supply us the proof if we ask; and (3) if a check is returned you owe us the amount of the check, regardless of when the check is returned.
We may take funds from your account to pay the amount you owe us, and if there are insufficient funds in your account, you still owe us the remaining balance.
UNLAWFUL INTERNET GAMBLING NOTICE – Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this
account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly
accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.
ACH AND WIRE TRANSFERS – This agreement is subject to Article 4A of the Uniform Commercial Code – Fund Transfers as adopted in the state in which you have
account with us. If you originate a fund transfer for which Fedwire is used, and you identify by name and number a beneficiary financial institution, an intermediary
financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment. We may rely on
the number even if it identifies a financial institution, person or account other than the one named. You agree to be bound by automated clearing house association
rules. These rules provide, among other things that payments made to you, or originated by you, are provisional until final settlement is made through a Federal
Reserve Bank or payment is otherwise made as provided in Article 4A-403 (a) of the Uniform Commercial Code. If we do not receive such payment, we are entitled to a
refund from you in the amount credited to your account and the party origination such payment will not be considered to have paid the amount so credited. If we
receive a payment order to credit an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit.
FACSIMILE SIGNATURES – You authorize us, at any time, to charge you for all checks, drafts, or other orders, for the payment of money, that are drawn on us regardless
of by whom or by what means the facsimile signature(s) may have been affixed so long as they resemble the facsimile signature specimen filed with us, and contain the
required number of signatures for this purpose.
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ELECTRONIC FUND TRANSFERS
YOUR RIGHTS AND RESPONSIBILITIES
The Electronic Fund Transfers we are capable of handling for consumers are indicated below, 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.
Account Disclosures
Northstar Bank of Texas
Page 3 of 7
TYPES OF TRANSFERS, FREQUENCY AND DOLLAR LIMITATIONS
(a)
(b)
(c)
(d)
(e)
(f)
(g)
Prearranged Transfers.
Preauthorized credits. You may make arrangement for certain direct deposits to be accepted into your checking and/or savings account(s).
Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking and/or savings account(s).
Telephone Transfers. You may access your account(s) by telephone at 940 384-0260 or 940 321-2986 using a touch tone phone, your account numbers and
Personal Identification Number to:
Transfer funds from checking to savings
Transfer funds from savings to checking
Make payments from checking to loan account with us
Get checking account(s) information
Get saving(s) account information
Get installment loan information
ATM Transfers. You may access your account(s) by ATM using your StarCard and personal identification number to:
Make deposits to checking accounts
Make deposits to savings accounts
Get cash withdrawals from checking accounts; you may withdraw no more that $400.00 per day
Transfer Funds from checking to savings
Transfer Funds from savings to checking
Get Checking account(s) information
Get savings account(s) information
There is a charge per transaction at ATMs we do not own or operate.
Point of Sale Transactions. Using your card you may:
Access your checking account(s) to purchase goods in person, by phone, by computer; to pay for services in person, by phone, by computer; to get cash
from a merchant, if the merchant permits or from a participating financial institution, and do anything that a participating merchant will accept.
You may not exceed more that $1,000.00 in transactions per day.
Computer Transfers. You may access your account(s) by computer by visiting our website at www.nstarbank.com and using your Log-in ID and password to:
Transfer funds from checking to savings
Transfer funds from savings to checking
Transfer funds from Checking to Checking
Transfer funds from savings to savings
Make payments from checking to loan accounts with us
Make payments from StarEZ online bill pay to pay bills, initiate account to account transfer and pay people
Get checking account(s) information
Get saving(s) account information
Cut-off time for transactions is 6:00 p.m. Transactions requested after 6:00 p.m. will be process on the next business day.
Mobile Banking Transfers. You may access your account(s) by web-enabled cell phone by visiting www.nstarbank.com and using your Access ID and password to:
Transfer funds from checking to savings
Transfer funds from savings to checking
Get checking account(s) information
Get saving(s) account information
Receive alerts
Make Bill Payments
You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your
cell phone provider for details on specific fees and charges.
Electronic Fund Transfers Initiated by Third Parties. You may authorize a third party to initiate electronic fund 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 Clearing House (AC) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For
example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides
you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all
cases, these third party transfers 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 will 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 funs transfers. Examples of
these transfers include, but are not limited to:
Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using
information from your check to pay for purchases or pay bills.
Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic fund transfer to collect a charge in the event a
check is returned for insufficient funds.
Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) to be accepted into your checking
or savings account(s).
Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s).
GENERAL LIMITATIONS
(a) In addition to those limitations on transfers elsewhere described, if any, the following limitations apply:
(b)
Transfers or withdrawals from a money market account to another account of yours or to a third party by means of a preauthorized or automatic
transfer or telephone order or instruction, computer transfer or by check, draft, debit card or similar order to a third party, are limited to six per
statement cycle.
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.
Account Disclosures
Northstar Bank of Texas
Page 4 of 7
DOCUMENTATION
(a)
(b)
(c)
Terminal Transfers. You can get a receipt at the time you make a transfer to or from your account using a (n) automated teller machine or point-of-sale terminal.
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 940-383-6200 to find out whether or not the deposit has been made.
In addition, you will get a monthly account statement from us, unless there are no transfers in a particular month. In any case you will get a statement at least
quarterly.
PREAUTHORIZED PAYMENTS
(a)
(b)
(c)
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 by calling us at 940-383-6200 or writing to us at PO Box 430, Denton TX 76202, 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 charge
$29.50 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.
FINANCIAL INSTITUTION’S LIABILITY
Liability of Financial Institution 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 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.
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 our agreement with you.
CONFIDENTIALITY
We will disclose information to third parties about your account or the transfers you make:
Where it is 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; or
As explained in the separate Privacy Disclosure.
AUTHORIZED TRANSFERS
(a) Consumer Liability. Tell us at once if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made
(b)
without your permission using information from your check. Telephoning is the best way to 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 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, 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 will extend the time period.
MasterCard© Debit Card. Additional Limits on Liability for Point of Sale Transactions are as follows: You will not be liable for any unauthorized transactions using
your MasterCard debit card, when used for point-of-sale transactions if:
a.
You can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft,
b. You have not reported to us tow or more incidents of unauthorized use within the prior twelve-month period, and
c.
Your account is in good standing.
If any of these conditions are not met, your liability is the lesser of $50 or the amount of money, property, labor or services obtained by the unauthorized use
before notification to us. “Unauthorized use” means the use of your debit card by a person, other than you, who does not have actual, implied, or apparent
authority for such use, and from which you receive no benefit. This additional limit on liability does not apply to ATM transactions or to transactions using your
Personal Identification Number which are not processed by MasterCard. MasterCard is a registered trademark of MasterCard International Incorporated.
Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call us at 940-383-6200 or write to us at PO Box 430,
Denton TX 76202. You should also call the number or write to the address listed at the end of this disclosure if you believe a transfer has been made using the
information from your check without your permission.
ERROR RESOLUTION NOTICE
In Case of Errors or Questions about your Electronic Transfers, call us at 940-383-6200 or write to us at PO Box 430, Denton TX 76202 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.
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 your 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 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, 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 (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.
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Account Disclosures
Northstar Bank of Texas
Page 5 of 7
YOUR ABILITY TO WITHDRAW FUNDS
This policy statement applies to all deposit accounts.
Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit.
Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use the
funds to pay checks you have written.
Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you
deposit that are returned to us unpaid and for any other problems involving your deposit.
For determining the availability of your deposits, every day is a business day except Saturday, Sunday and federal holidays. If you make a deposit on
Saturday or on a day that we are not open, we will consider that the deposit was made on the next business day we are open.
If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your
account. Those funds will be available at the time funds from the check we cashed would have been available if you deposited it.
If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately, but delay
your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then
not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.
LONGER DELAYS MAY APPLY
In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Then, the funds
will generally be available by the second business day after the day of the deposit. The first $200 of your deposits, however, may be available on the first business
day.
Case by case delays. If we are not going to make all of your funds from your deposit available on the first business day, we will notify you at the time you make
the deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action
after you have left the premises, we will mail you the notice by the day after we receive your deposit.
If you need the funds from a deposit right away, you should ask us when the funds will be available.
Safeguard exceptions. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:
We believe a check you deposit will not be paid.
You deposit checks totaling more than $5,000 on any one day.
You redeposit a check that has been returned unpaid.
You have overdrawn your account repeatedly in the last six months.
There is an emergency, such as failure of computer or communications equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be
available no later than the seventh business day after the day or your deposit.
New Account Hold. The Bank may delay availability of deposits made to a new account established by a new customer. A new customer is defined as a new
transaction account by a person who has not had, in the previous 30 days, another transaction account with the Bank. All items deposited by a new customer to a
new transaction account will be available no later than the ninth business day after the day of the deposit.
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TRUTH-IN-SAVINGS DISCLOSURE
INDIVIDUAL SAVINGS ACCOUNT
This disclosure contains the rules which govern your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be
construed so that the singular includes the plural and the plural includes the singular. We reserve the right to at any time require not less than seven days notice in
writing before any withdrawal from an interest bearing account.
Rate Information:
The interest rate and annual percentage yield may change at any time, as determined at the discretion of the Bank.
Compounding and crediting – Interest is compounded daily and paid quarterly to this account; if you close the account before interest is credited, you will not receive
the accrued interest.
Minimum balance requirements:
The minimum balance required to open this account is $50.00.
You must maintain an average daily balance of $250.00 or more to obtain the disclosed annual percentage yield.
You must maintain an average daily balance of $250.00 or more each monthly statement cycle to avoid a monthly service charge of $5.00.
The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Daily Balance Computation Method –Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
Accrual of interest on deposits - Interest will begin to accrue on the first business day after the bank day you deposit noncash items (for example, checks).
Transaction Limitations – During any month 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, computer transfer or by check, draft, debit card or similar order to a third party.
Fees:
An excess withdrawal fee of $2.50 will be charged for each withdrawal (debit transaction) in excess of six during a quarter.
An activity fee of $1.50 will be charged for each preauthorized withdrawal.
HEALTH SAVINGS ACCOUNT
This disclosure contains the rules which govern your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be
construed so that the singular includes the plural and the plural includes the singular. We reserve the right to at any time require not less than seven days notice in
writing before any withdrawal from an interest bearing account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be
construed so that the singular includes the plural and the plural includes the singular.
Rate Information:
The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may
change at any time, as determined at the discretion of the Bank.
Compounding and crediting – Interest is compounded daily and paid monthly to this account; if you close the account before interest is credited, you will not receive
the accrued interest.
Account Disclosures
Northstar Bank of Texas
Page 6 of 7
Minimum balance requirements:
There is no minimum balance required to open this account.
A service charge of $3.00 will be imposed on any statement cycle in which the balance in the account falls below $1,000.00 on any day of that statement cycle.
Daily Balance Computation Method –Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
Accrual of interest on deposits - Interest will begin to accrue on the first business day after the bank day you deposit noncash items (for example, checks).
Transaction Limitations – No transaction limits apply to this account.
PREMIUM+ CHECKING
This disclosure contains the rules which govern your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be
construed so that the singular includes the plural and the plural includes the singular. We reserve the right to at any time require not less than seven days notice in
writing before any withdrawal from an interest bearing account.
Rate Information:
The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may
change at any time, as determined at the discretion of the Bank.
Compounding and crediting – Interest is compounded daily and paid monthly to this account; if you close the account before interest is credited, you will not receive
the accrued interest.
Minimum balance requirements:
The minimum balance required to open this account is $500.00.
A service charge of $10.00 will be imposed on any statement cycle in which the balance in the account falls below $1,000.00 on any day of that statement cycle.
A service charge of $10.00 will be imposed on any statement cycle in which the average daily balance falls below $2,500.00.
The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period
You must maintain an average daily balance of $1000.00 or more to obtain the disclosed annual percentage yield.
Daily Balance Computation Method –Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
Accrual of interest on deposits - Interest will begin to accrue on the first business day after the bank day you deposit noncash items (for example, checks).
Transaction Limitations – No transaction limits apply to this account.
STAR+ MONEY MARKET (CONSUMER)
This disclosure contains the rules which govern your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be
construed so that the singular includes the plural and the plural includes the singular. We reserve the right to at any time require not less than seven days notice in
writing before any withdrawal from an interest bearing account.
Rate Information:
The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may
change at any time, as determined at the discretion of the Bank.
Compounding and crediting – Interest is compounded monthly and paid monthly to this account; if you close the account before interest is credited, you will not
receive the accrued interest.
Minimum balance requirements:
The minimum balance required to open this account is $500.00.
A service charge of $10.00 will be imposed on any statement cycle in which the balance in the account falls below $1,000.00 on any day of that statement cycle.
A service charge of $10.00 will be imposed on any statement cycle in which the average daily balance falls below $2,500.00.
The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period
You must maintain an average daily balance of $2,500.00 or more to obtain the disclosed annual percentage yield.
Daily Balance Computation Method –Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
Accrual of interest on deposits - Interest will begin to accrue on the first business day after the bank day you deposit noncash items (for example, checks).
Transaction Limitations – During any statement cycle 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, computer transfer or by check, draft, debit card or similar order to a third party.
Fees:
An excess withdrawal fee of $15.00 will be charged for each withdrawal (debit transaction) or transfer in excess of six during a statement cycle.
STAR CHECKING
This disclosure contains the rules which govern your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be
construed so that the singular includes the plural and the plural includes the singular.
Rate Information:
There is no interest paid on this account. This is a non-interest bearing account.
Minimum balance requirements:
The minimum balance required to open this account is $100.00
Transaction Limitations – No transaction limits apply to this account.
SENIOR CHECKING
This disclosure contains the rules which govern your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be
construed so that the singular includes the plural and the plural includes the singular.
Rate Information:
There is no interest paid on this account. This is a non-interest bearing account.
Minimum balance requirements:
The minimum balance required to open this account is $100.00.
Must be sixty-two (62) years of age or older to be eligible for the Senior Checking account.
Transaction Limitations – No transaction limits apply to this account.
Account Disclosures
Northstar Bank of Texas
Page 7 of 7
Rev. 12/2010
FACTS
WHAT DOES NORTHSTAR BANK OF TEXAS DO WITH YOUR PERSONAL
INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers
the right to limit some but not all sharing. Federal law also requires us to tell you how we collect,
share, and protect your personal information. Please read this notice carefully to understand what we
do.
What?
The types of personal information we collect and share depend on the product or service you have
with us. This information can include:
l Social Security number
l Assets
l Account balances
l Account transactions
l Credit history
l Checking account information
When you are no longer our customer, we continue to share your information as described in this
notice.
How?
All financial companies need to share customers' personal information to run their everyday business.
In the section below, we list the reasons financial companies can share their customers' personal
information; the reasons Northstar Bank of Texas chooses to share; and whether you can limit this
sharing.
Reasons we can share your personal information
Does Northstar Bank of
Texas share?
Can you limit this sharing?
For our everyday business purposes such as to process your transactions, maintain your
account(s), respond to court orders and legal
investigations, or report to credit bureaus
Yes
No
For our marketing purposes to offer our products and services to you
No
We don't share
For joint marketing with other financial companies
No
We don't share
For our affiliates' everyday business purposes information about your transactions and experiences
No
We don't share
For our affiliates' everyday business purposes information about your creditworthiness
No
We don't share
For nonaffiliates to market to you
No
We don't share
Questions?
Call 940-591-1200 or go to www.nstarbank.com
Privacy Model Disclosure
VMP® Bankers Systems™
Wolters Kluwer Financial Services © 2010
PRIV-MODEL 8/1/2010
2010.3/2933 2667467-010 EPRV2933
Page 1 of 2
Page 2
What We Do
How does Northstar Bank of
Texas protect my personal
information?
To protect your personal information from unauthorized access and use, we use
security measures that comply with federal law. These measures include computer
safeguards and secured files and buildings.
How does Northstar Bank of
Texas collect my personal
information?
We collect your personal information, for example, when you
l Open an account
l Give us your contact information
l Make deposits or withdrawals from
l Show your government-issued ID
your account
l Provide account information
We also collect your personal information from others, such as credit bureaus,
affiliates, or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only
l sharing for affiliates' everyday business purposes - information about your
creditworthiness
l affiliates from using your information to market to you
l sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
See below for more on your rights under state law.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and
non-financial companies.
l Northstar Bank of Texas has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and
non-financial companies.
l Northstar Bank of Texas does not share with nonaffiliates so they can market to
you.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market
financial products or services to you.
l Northstar Bank of Texas doesn't jointly market.
Other Important Information
For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with
nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For California Customers. We will not share personal information with nonaffiliates either for them to market to you
or for joint marketing - without your authorization. We will also limit our sharing of personal information about you
with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or
share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For Vermont Customers. We will not share personal information with nonaffiliates either for them to market to you or
for joint marketing - without your authorization, and we will not share personal information with affiliates about your
creditworthiness without your authorization.
For Texas Customers. The Northstar Bank of Texas is chartered, licensed or registered under the laws of the State of
Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to
file a complaint against the Northstar Bank of Texas should contact the Texas Department of Banking through one of the
means indicated below: In person, or by U.S. Mail: 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294;
Telephone No. (877) 276-5554; Fax No. (512) 475-1313; E-mail: [email protected], Website:
www.dob.texas.gov.
Privacy Model Disclosure
VMP® Bankers Systems™
Wolters Kluwer Financial Services © 2010
PRIV-MODEL 8/1/2010
2010.3/2933 2667467-010 EPRV2933
Page 2 of 2
NORTHSTAR BANK OF TEXAS engages in the money transmission
and/or currency exchange business as an authorized delegate of American
Express Travel Related Services Company, Inc. and, or American Express
Prepaid Card Management Corporation (collectively “American Express”)
under Chapter 151 of the Texas Finance Code.
If you have a complaint regarding an American Express prepaid card, first
contact the customer service division of American Express at 1-877-297-4438.
If you have a complaint regarding an American Express travelers cheque
product, first contact the customer service division of American Express at
1-800-221-7282. If you still have an unresolved complaint regarding the
company’s money transmission or currency exchange activity, please direct
your complaint to the Texas Department of Banking.
Consumers/customers may file complaints with the Texas Department of
Banking by contacting the Department through one of the means indicated
below:
In Person or U.S. Mail.......
Texas Department of Banking
2601 North Lamar Boulevard
Suite 300
Austin, TX 78705-4294
Telephone number.............
Fax Number.......................
E-Mail Address..................
Website Address................
1-877/276-5554 (toll free)
512/475-1313
[email protected]
www.dob.texas.gov
Product Mapping
CONSUMER ACCOUNTS
CONSUMER ACCOUNTS
TREATY OAK BANK
NORTHSTAR BANK OF TEXAS
If you currently have:
You will be moving to:
Features
Minimum Opening Deposit
Monthly Service Charge
Check Writing Privileges
Online Banking and Bill Pay
E-statements
Paper Statements with Images
ATM/Debit Card
Overdraft Privilege**
**Fees apply to overdrafts as applicable
Free Checking
$100
None
Unlimited
Free
Free
$2 Per Month
Yes
$300
Star Checking
$100
None
Unlimited
Free
Free
Free
Yes
$300
Features
Minimum Opening Deposit
Monthly Service Charge
Check Writing Privileges
Check Order Fees
Online Banking and Bill Pay
E-statements
Paper Statements with Images
ATM/Debit Card
Cashiers Checks
Overdraft Privilege**
**Fees apply to overdrafts as applicable
Secure Checking
$100
None
Unlimited
Waived
Free
Free
Free
Yes
Free
$500
Senior Checking
$100
None
Unlimited
Free Designated Checks
Free
Free
Free
Yes
Free
$500
Features
Minimum Opening Deposit
Balance Requirement
Monthly Service Charge if Balance not met
Check Writing Privileges
Check Order Fees
Online Banking and Bill Pay
E-statements
Paper Statements with Images
ATM/Debit Card
Interest Bearing
Overdraft Privilege**
**Fees apply to overdrafts as applicable
Premier Checking
$2,500
$2,000
$10
Unlimited
Green Custom Free
Free
Free
$2 Per Month
Yes
Yes
$750
Premium Plus Checking
$100
$1,000 Minimum Bal or $2,500 Average Bal
$10
Unlimited
Yes
Free
Free
Free
Yes
Yes
$750
Features
Minimum Opening Deposit
Balance Requirement
Monthly Service Charge if Balance not met
Check Writing Privileges
Check Order Fees
Online Banking and Bill Pay
E-statements
Paper Statements with Images
ATM/Debit Card
Interest Bearing
Health Savings ( H S A)
$100
$2,000
$10
NA
NA
Free
Free
$2 Per Month
Yes
Yes
Health Savings ( H S A)
No Minimum
$1,000
$3
Unlimited
Yes
Free
Free
Free
Yes
Yes
Features
Minimum Opening Deposit
Balance Requirement
Monthly Service Charge if Balance not met
Transaction Limitations
Excess Withdrawal Fee for each over 6
Online Banking
E-statements
Paper Statements with Images
ATM/Debit Card
Classic Savings
$500
$500
$3
6 Per Month Free
$3
Free
Free
$2 Per Month
Yes
Regular Savings
$50
$250 Average Daily Balance
$5 Per Quarter
6 Per Quarter Free
$2.50
Free
Free
Free
Yes
Yes, if Average Daily Bal of $250 or more is
maintained
Interest Bearing
Features
Minimum Opening Deposit
Balance Requirement
Monthly Service Charge if Balance not met
Transaction Limitations
Excess Withdrawal Fee for each over 6
Online Banking
E-statements
Paper Statements with Images
ATM/Debit Card
Interest Bearing
Yes
Acorn Savings
$5
NA
NA
6 Per Statement Cycle
$10
Free
Free
$2 Per Month
Yes
Yes
Regular Savings
$50
$250 Average Daily Balance
$5 Per Quarter
6 Per Quarter Free
$2.50
Free
Free
Free
Yes
Yes, if Average Daily Bal of $250 or more is
maintained
CONSUMER ACCOUNTS
CONSUMER ACCOUNTS
Features
Minimum Opening Deposit
Balance Requirement
Monthly Service Charge if Balance not met
Transaction Limitations
Excess Withdrawal Fee for each over 6
Online Banking
E-statements
Paper Statements with Images
ATM/Debit Card
Interest Bearing
Features
Minimum Opening Deposit
Balance Requirement
Monthly Service Charge if Balance not met
Transaction Limitations
Excess Withdrawal Fee for each transaction over 6
Online Banking
E-statements
ATM/Debit Card
Interest Bearing
Features
Minimum Opening Deposit
Balance Requirement
Monthly Service Charge if Balance not met
Transaction Limitations
Excess Withdrawal Fee for each transaction over 6
Online Banking
E-statements
ATM/Debit Card
Interest Bearing
TREATY OAK BANK
NORTHSTAR BANK OF TEXAS
If you currently have:
You will be moving to:
Premier Savings
$5,000
$5,000
$3
6 Per Month Free
$3
Free
Free
$2 Per Month
Yes
Regular Savings
$50
$250 Average Daily Balance
$5 Per Quarter
6 Per Quarter Free
$2.50
Free
Free
Free
Yes
Yes, if Average Daily Bal of $250 or more is
maintained
Yes
Incentive Money Market
$2,500
$2,500
$10
6 Free Debits Per Month
$10
Free
Free
Yes
Yes
Premier Money Market
$5,000
$5,000
$10
6 Free Debits Per Month
$10
Free
Free
Yes
Yes
Star Money Market
$2,500
$2,500
$10
6 Free Debits Per Month
$15
Free
Free
Yes
Yes, if Average Daily Bal of $2,500 or more is
maintained
Star Money Market
$2,500
$2,500
$10
6 Free Debits Per Month
$15
Free
Free
Yes
Yes, if Average Daily Bal of $2,500 or more is
maintained
BUSINESS ACCOUNTS
BUSINESS ACCOUNTS
Features
Minimum Opening Deposit
Earnings Credit
Check Order Fees
Check Writing Privileges
Online Banking and Bill Pay
E-Statements
Business Credit Card
ATM/Debit Card
Overdraft Privilege**
**Fees apply to overdrafts as applicable
Features
Minimum Opening Deposit
Balance Requirement
Service Charge if Balance Requirement not met
Item Processing Fee
Check Order Fees
Check Writing Privileges
Online Banking and Bill Pay
E-Statements
Business Credit Card
ATM/Debit Card
Overdraft Privilege**
**Fees apply to overdrafts as applicable
Features
Minimum Opening Deposit
Balance Requirement
Service Charge if Balance Requirement not met
Item Processing Fee
Check Order Fees
Check Writing Privileges
Online Banking and Bill Pay
E-Statements
Business Credit Card
ATM/Debit Card
Overdraft Privilege**
**Fees apply to overdrafts as applicable
Features
Minimum Opening Deposit
Balance Requirement
Service Charge if Balance Requirement not met
Transaction Limitations
Excess Withdrawal Fee for each transaction over 6
Online Banking and Bill Pay
E-statements
Interest Bearing
TREATY OAK BANK
NORTHSTAR BANK OF TEXAS
If you currently have:
You will be moving to:
Commercial Analysis Checking
Commercial Checking
$100
Yes
Yes
Unlimited
Free
Free
Available
Yes
$750
$100
Yes
Yes
Unlimited
Free
Free
Available
Yes
$750
No service charge if Earnings Credit calculation
exceeds the activity charges based on your
transactions.
No service charge if Earnings Credit
calculation exceeds the activity charges based
on your transactions.
Small Business Checking
Rising Star Checking
$100
$2,500
$16
$.25 Per Item over 250
Yes
Unlimited
Free
Free
Available
Yes
$750
$100
$2,500 (Average Daily Balance)
$10
$.25 Per Item over 400
Yes
Unlimited
Free
Free
Available
Yes
$750
Distinct Business Checking
**Premium Plus Checking
$100
$2,000
$16
$.25 Per Item over 125
Yes
Unlimited
Free
Free
Available
Yes
$750
$100
$1,000 Minimum Bal or $2,500 Average Bal
$12
No
Yes
Unlimited
Free
Free
Available
Yes
$750
**For sole proprietorships and qualified non-profit
organizations.
Commercial Money Market
Star Money Market
$100
$5,000
$16
6 Per Statement
$10
Free
Free
Yes
$100
$2,500
$10
6 Free Debits Per Month
$15
Free
Free
Yes, if Avg Daily Bal of $2,500 or more is maintained
Rates based on minimum daily ledger balance tier rate
structure
Features
Minimum Opening Deposit
Balance Requirement
Service Charge if Balance Requirement not met
Transaction Limitations
Excess Withdrawal Fee for each transaction over 6
Online Banking and Bill Pay
E-statements
Interest Bearing
Premier Savings
Regular Business Savings
$5,000
$5,000
$3
6 Per Statement
$10
Free
Free
Yes
$250
$250 Average Daily Balance
$5
6 Per Quarter
$2.50
Free
Free
Yes if Avg Daily Bal of $250 or more is maintained
Fee Schedule
Fee Schedule
Commercial / treasury management fee schedule
Consumer Fee schedule
SERVICE FEES
Paid Overdraft Fee
Returned Item Fee
Returned Deposit Item
ATM: Foreign (Inquiry or Transaction)
Debit Card Replacement
Cashier Checks
Money Orders
Lock Deposit Bag
Zipper Deposit Bag
Deposit Bags Processed
Balance Inquiry / Phone
Close Account within 30 days of opening
Photocopy per Page
Stop Payments
Statement Print-outs
Statement Reconciliation / Research
Special Statement Cut-off
Temporary Checks
Telephone Transfer
Traveler’s Checks
Coin Counting Fee
Fax Service
Hold Statements
Legal Process Fee (attachment, garnishment or levy)
Scheduled Internal Transfer
Automatic Overdraft Transfer
$29.50
$29.50
$5.00
$1.25
$5.00
$5.00
$2.50
$33.00
$5.00
$2.00
$2.50
$20.00
$3.00
$29.50
$3.00
$30.00 per hour
$7.50
$3.00/10
$2.50
1% of Total
1% of total loose coin
$3.00 per page
$2.50 per month
$50.00
$1.50
$5.00
COLLECTIONS: IN & OUT
Customer
$15.00
WIRES / TRANSFERS
Incoming
Outgoing Domestic
Outgoing International
$7.00
$20.00
$50.00
SAFE DEPOSIT BOXES
3X5
3 X 10
5 X 10
10 X 10
Key Deposit
Drill Box
$20.00
$35.00
$60.00
$120.00
$25.00
$175.00
Denotes Pricing Change
DEPOSITORY SERVICES
Account Maintenance
Credits / Deposits
Deposited Items - Encoded
Deposited Items - Unencoded
Debits / Checks
Balance Management Fee
Overdraft Interest Rate
Returned Deposit Item:
Per Item
Phone / Fax Advice
Redeposit
Wire Transfers:
Incoming Wires
Outgoing Domestic
Outgoing International
Internal Transfer
Cash Services: Branch
Coin - Per Roll
Currency Strap
Signature Verification
(multiple signature accounts)
Escrow Accounts
$17.00
$0.40
Custom
$0.09
$0.16
$0.10 per $1,000
average ledger balance
Prime+3.00%
$5.00
$3.00
$2.00
$7.00
$20.00
$50.00
$1.00
$0.10
$0.25
ACCOUNT RECONCILIATION
Full Recon - Monthly
Partial Recon - Monthly
Positive Pay - Monthly
CD ROM - Monthly
CARD SERVICES
Business Credit / Debit Cards
Payroll Cards
ONLINE BANKING
Previous Day
Current Day
Electronic Data Interchange Reporting
Monthly Maintenance
Online Stop Payment
Online Wire Transfers:
Incoming Wires
Outgoing Domestic
Outgoing International
Online Bill Pay
$50.00
$30.00
No Charge
$40.00
Custom
Custom
No Charge
No Charge
$25.00
$29.50
$7.00
$10.00
$40.00
No Charge
$32.00
Custom
WHOLESALE, RETAIL AND MEDICAL
LOCKBOX
Custom
ZERO BALANCE ACCOUNT
Master Account - Monthly
Sub Account - Monthly
$25.00
$10.00
REMOTE DEPOSIT
Monthly Maintenance
Per Item
Check Scanners
$35.00
$0.10
Custom
ACH ORIGINATION
Monthly Maintenance
Per Item
Per File Processed
Returned Item
Reversal
$35.00
$0.10
$10.00
$5.00
$5.00
OTHER SERVICES
Merchant Services
Courier Services
ACH Block - Monthly
Group Banking
Custom
Custom
$30.00
No Charge
BUNDLED PRODUCTS
(Product Selection Based on Volume - Other Fees may Apply)
StarManagement Plus
Includes Remote Deposit, Direct Deposit,
Online Banking and Bill Pay
StarManagement
Includes Remote Deposit, Direct Deposit,
Online Banking and Bill Pay
Denotes New Product
$100.00 per month
$60.00 per month
940.591.1200
Customer Service | 940.383.6200
[email protected]
Treasury Management | 940.383.6200, Option 2
[email protected]