A Bank for a
New Generation
Dear FNB Customer:
Federal and State banking laws govern much of our
relationship with you. In particular, there are laws concerning
negotiable instruments, deposit accounts and how we treat
activity of these accounts. Complete disclosures of our fees
and charges are in the brochure. Please retain for your records.
PRIVACY STATEMENT
We do not share information about our customers with anyone
without the expressed, written consent of that customer, unless
required to release that information by law. We restrict access
to nonpublic personal information about you to those employees who need to know that information to provide products or
services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to protect
your nonpublic personal information.
TRUTH IN SAVINGS ACT:
The FDIC Improvement Act of 1991 contained within it the
Truth in Savings Act. The purpose of this act is to enable consumers to make informed decisions about deposit accounts in
depository institutions.
ACCOUNT DESCRIPTIONS
REGULAR CHECKING
Minimum opening deposit .................................. $100.00
Balance required to avoid all monthly charges $5,000.00
Monthly Balance
Service Charge
$600.00 or more............................... No Service Charge
$400.00 - $599.99 ................................................$4.00
Less than $399.99 ................................................$6.00
High Activity Service Charge: 10¢ per debit transaction,
over 30, per month (excluding ATM withdrawals)
All charges are waived if the account balance is over
$5,000 for the entire statement cycle.
Statement Period: Monthly
Internet Banking................................................... No Fee
Balancing of statement............................$12.00 per hour
*Insufficient Funds Charge (per item).................... $20.00
Stop Payment Charge (per item)........................... $20.00
Dormant accounts will be charged $1.00 per month, after 1
year of inactivity, if balance is below $500.00.
*Overdraft Protection
Cost for check printing varies depending on the style of checks ordered.
COMMERCIAL CHECKING
Minimum opening deposit ..................................... $100.00
Maintenance Charge $5.00, plus 10¢ per debit transaction,
less25¢ credit per $100.00 of the average collected balance
Statement Period: Monthly
eStatement ............................................................ No Fee
Internet Banking..................................................... No Fee
Balancing of statement..............................$12.00 per hour
Cost for check printing varies depending on the style of checks ordered.
*Overdraft Protection for all eligible checking accounts.
NSF fees will be imposed for overdrafts created by checks, ACH or by other
electronic means. Beginning July 1st 2010 for new accounts and August 15th,
2010 for existing ODP customers, an “opt in” form must be signed to receive
ODP for one time POS and ATM transactions.
COMMERCIAL CHECKING (Cont)
*Insufficient Funds Charge (per item)......................$20.00
Stop Payment Charge (per item).............................$20.00
*Overdraft Protection
1ST CLUB ACCOUNTS
Minimum opening deposit ..................................... $100.00
No minimum balance required
Purchase Fee:
Travel card $5.00 per card
Free:
Cashier’s Checks, Money Orders, Stop Payments Unlimited
Check Writing, no Monthly Fee for Debit Card, Upon Approval
First Order of 150 FNB Wallet Checks
Basic Notary Service (All Parties Must Be Present)
Internet Banking
Online Bill Paying
eStatement
Automatic Transfer from Savings to Checking to
cover NSF Checks, Prevents NSF Charges
Maximum 6 Auto Transfers per Statement Cycle
from Savings
Wire Transfers
Medallion Signature Guarantee
Fone First (24-Hour Phone Service)
Monthly service fees:. . . . . . .Individual . .$10.00
Joint . . $11.00
*Insufficient Funds Charge (per item). . . . $20.00
*Overdraft Protection
Signed customer forms required for 1st services.
FREE CHECKING with eStatement (Regular Personal Account)
Minimum opening deposit ................................... $100.00
Minimum balance required....................................None
Monthly service charge .........................................None
Insufficient Funds Charge (per item) ..................... $20.00
Visa Check Card. . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . .$1.00
Stop Payment Charge (per item) .......................... $20.00
Unlimited check writing
Monthly statement provided
Internet banking................................................ No Fee
Online bill paying .............................................. No Fee
*Overdraft Protection
STUDENT CHECKING (Thru College)
Monthly service charge.........................................None
Minimum opening deposit ................................. $50.00
Minimum balance required....................................None
Internet banking............................................. No Fee
Online bill paying .............................................. No Fee
eStatement ....................................................... No Fee
Visa Check Card. . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . .$1.00
Insufficient Funds Charge (per item)..................... $20.00
Stop Payment Charge (per item) .......................... $20.00
*Overdraft Protection
SENIOR CITIZEN ACCOUNT (62 years & older)
Monthly service charge..........................................None
Minimum opening deposit……$100.00
Unlimited check writing
No minimum balance required
*Overdraft Protection for all eligible checking accounts.
NSF fees will be imposed for overdrafts created by checks, ACH or by other
electronic means. Beginning July 1st 2010 for new accounts and August 15th,
2010 for existing ODP customers, an “opt in” form must be signed to receive
ODP for one time POS and ATM transactions.
* Commercial accounts “Opt in” not required.
SENIOR CITIZEN ACCOUNT (Cont)
Internet banking ..................................................... No Fee
Online bill paying.................................................... No Fee
eStatement ............................................................ No Fee
Insufficient Funds Charge (per item) .......................$20.00
Stop Payment Charge (per item).............................$20.00
Visa Check Card. . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . No Fee
*Overdraft Protection
SAVINGS ACCOUNTS
REGULAR SAVINGS
Minimum opening deposit......................................$100.00
Daily balance must exceed $25.00 for interest to be paid.
Monthly Balance
Service Charge
Over $100.00 daily ........................................... No Charge
$100.00 or less daily ................................................ $1.00
Interest Rate:............................................ See Rate Sheet
Annual Percentage Yield (APY)................ See Rate Sheet
Interest Computation Method: .................. Daily Balance*
Interest will be compounded ................................Quarterly
Interest credited ..................................................Quarterly
From birth through graduation (high school or college), no
monthly service charge (All other requirements the same).
On non-cash items, interest will begin to accrue on the next
business day.
If you close your account before interest is credited, you will not
receive the accrued interest.
Your interest rate and annual percentage yield may change. At
our discretion, we may change the interest rate on your
account, at any time.
Statement Period: ...............................................Quarterly
Internet Banking ....................................................No Fee
Transaction Limitations: 2 free withdrawals per month; additional withdrawals (including ACH withdrawals) are $3.00
each (ATM withdrawals are free)
No more than 6 electronic transfers per month (The bank reserves the right to deny electronic transfers from savings
accounts.)
If account is closed within 3 months of opening ........ $3.00
Dormant accounts will be charged $1.00 per month, after 1
year of inactivity, if balance is below $500.00
*The Daily Balance is determined by the application of a daily
periodic rate to the full amount of principal in the account
INDIVIDUAL
RETIREMENT ACCOUNTS
REGULAR IRA
Minimum opening deposit ..................................... $100.00
Interest rate...............................................See Rate Sheet
Annual Percentage Yield (APY) ................See Rate Sheet
Interest Computation Method ......................Daily Balance*
Interest will be compounded.................................. Monthly
Interest credited .................................................... Monthly
If you close your account before interest is credited, you will not
receive the accrued interest.
Your interest rate and annual percentage yield may change. At
our discretion, we may change the interest rate on your account at any time.
*Overdraft Protection for all eligible checking accounts.
NSF fees will be imposed for overdrafts created by checks, ACH or by other
electronic means. Beginning July 1st 2010 for new accounts and August 15th,
2010 for existing ODP customers, an “opt in” form must be signed to receive
ODP for one time POS and ATM transactions.
REGULAR IRA (Cont)
On non-cash items, interest will begin to accrue on the next
business day.
Statement Period: Annually
Penalty for early withdrawal - 3 months’ interest on the amount
withdrawn under the age of 59-1/2
*The Daily Balance is determined by the application of a daily
periodic rate to the full amount of principal in the account
each day.
CD IRA
Minimum opening deposit .................................. $1,000.00
Interest rate...............................................See Rate Sheet
Annual Percentage Yield (APY) ................See Rate Sheet
Interest Computation Method ......................Daily Balance*
If you close your account before interest is credited, you will
receive the accrued interest earned less penalty (see below).
On non-cash items, interest will begin to accrue on the next
business day.
Statement Period: Annually
Penalty for early withdrawal – 3 months’ interest on the amount
withdrawn
*The Daily Balance is determined by the application of a daily
periodic rate to the full amount of principal in the account
each day.
NOW ACCOUNTS
Minimum opening deposit .................................. $2,000.00
Interest rate...............................................See Rate Sheet
Annual Percentage Yield (APY) ................See Rate Sheet
Minimum daily balance required to obtain APY as listed
...................................................................... $1,500.00
Interest Computation Method ....................... Daily Balance
Interest will be compounded.................................. Monthly
Interest credited .................................................... Monthly
If you close your account before interest is credited, you will not
receive the accrued interest.
Your interest rate and annual percentage yield may change. At
our discretion, we may change the interest rate on your account at any time.
On non-cash items, interest will begin to accrue on the next
business day.
Statement Period: Monthly
eStatement ............................................................ No Fee
Internet Banking..................................................... No Fee
Cost of check printing varies depending on the style of checks
ordered
Check charge of 15¢ for each withdrawal/transfer over 20 per
month
Stop Payment Charge (per item).............................$20.00
Insufficient Funds Charge (per item) .......................$20.00
*Overdraft Protection
Other Fees:
If at any time the balance falls between:
$0 and $1,499.99 ..................................... $6.50 per month
$1,500.00 and $1,999.99 ......................... $5.50 per month
All charges will be waived if balance remains above $5,000.00
for the entire statement cycle.
*Overdraft Protection for all eligible checking accounts.
NSF fees will be imposed for overdrafts created by checks, ACH or by other
electronic means. Beginning July 1st 2010 for new accounts and August 15th,
2010 for existing ODP customers, an “opt in” form must be signed to receive
ODP for one time POS and ATM transactions.
NOW ACCOUNTS (Cont)
Dormant Account Fee $1.00 per month, after 1 year of inactivity, if balance is below $2,000.00
*The Daily Balance is determined by the application of a daily
periodic rate to the full amount of principal in the account
each day.
CERTIFICATES OF DEPOSIT
Minimum opening deposit .......................................$1,000.00
Interest Computation Method – Daily Balance*
Interest will be credited to your account or paid to you monthly:
quarterly, semi-annually, annually, at maturity or as agreed
upon.
The annual percentage yield (APY) assumes that interest remains on deposit until maturity. A withdrawal will reduce
earnings.
After the account is opened, you may not make any deposits
into the CD. Withdrawals from the principal prior to the maturity date may result in a penalty (see below).
Interest begins to accrue on the business day you deposit any
non-cash item (for example, checks).
PENALTY FOR EARLY WITHDRAWAL
Maturity of 7-31 days – the greater of: (1) all interest earned on
the amount withdrawn from the most recent of the date of
deposit or last renewal, or (2) all interest that could have
been earned on the amount withdrawn during a period equal
to one-half of the maturity period, or (3) an amount at least
equal to 7 days interest earned.
Maturity of 32 days or up to one year – an amount at least
equal to one month of interest earned, or that could have
been earned.
Maturity of more than one year – an amount at least equal to
three months of interest earned, or that could have been
earned.
Renewal Policy – If your Certificate is SINGLE MATURITY
and does not automatically renew, present it PROMPTLY
at maturity, as no interest is payable after the maturity
date.
If your certificate AUTOMATICALLY RENEWS, you will have
a grace period of 10 days from maturity date to present this
certificate for payment without penalty. If the certificate automatically renews, IT WILL BE RENEWED AT THE RATE IN
EFFECT AT THIS INSTITUTION ON THE DATE OF
MATURITY.
*The Daily Balance is determined by the application of a
daily periodic rate to the full amount of principal in the account each day.
MONEY MARKET ACCOUNTS
Minimum opening deposit ................................. $2,500.00
Minimum balance to avoid service charge.......... $2,500.00
Minimum daily balance required to
obtain APY as listed....................................... $1,500.00
Interest rate...............................................See Rate Sheet
Annual Percentage Yield (APY) ................See Rate Sheet
NOW ACCOUNTS (Cont)
Dormant Account Fee $1.00 per month, after 1 year of inactivity, if balance is below $2,000.00
*The Daily Balance is determined by the application of a daily
periodic rate to the full amount of principal in the account
each day.
CERTIFICATES OF DEPOSIT
Minimum opening deposit .......................................$1,000.00
Interest Computation Method – Daily Balance*
Interest will be credited to your account or paid to you monthly:
quarterly, semi-annually, annually, at maturity or as agreed
upon.
The annual percentage yield (APY) assumes that interest remains on deposit until maturity. A withdrawal will reduce
earnings.
After the account is opened, you may not make any deposits
into the CD. Withdrawals from the principal prior to the maturity date may result in a penalty (see below).
Interest begins to accrue on the business day you deposit any
non-cash item (for example, checks).
PENALTY FOR EARLY WITHDRAWAL
Maturity of 7-31 days – the greater of: (1) all interest earned on
the amount withdrawn from the most recent of the date of
deposit or last renewal, or (2) all interest that could have
been earned on the amount withdrawn during a period equal
to one-half of the maturity period, or (3) an amount at least
equal to 7 days interest earned.
Maturity of 32 days or up to one year – an amount at least
equal to one month of interest earned, or that could have
been earned.
Maturity of more than one year – an amount at least equal to
three months of interest earned, or that could have been
earned.
Renewal Policy – If your Certificate is SINGLE MATURITY
and does not automatically renew, present it PROMPTLY
at maturity, as no interest is payable after the maturity
date.
If your certificate AUTOMATICALLY RENEWS, you will have
a grace period of 10 days from maturity date to present this
certificate for payment without penalty. If the certificate automatically renews, IT WILL BE RENEWED AT THE RATE IN
EFFECT AT THIS INSTITUTION ON THE DATE OF
MATURITY.
*The Daily Balance is determined by the application of a
daily periodic rate to the full amount of principal in the account each day.
MONEY MARKET ACCOUNTS
Minimum opening deposit ................................. $2,500.00
Minimum balance to avoid service charge.......... $2,500.00
Minimum daily balance required to
obtain APY as listed....................................... $1,500.00
Interest rate...............................................See Rate Sheet
Annual Percentage Yield (APY) ................See Rate Sheet
I.) AUTOMATED TELLER MACHINES, DEBIT
CARDS AND POINT-OF-SALE TRANSFERS
A. ACCESSING YOUR ACCOUNT
1. Withdraw cash from your checking or savings account.
2. Make deposits to your checking or savings account.
3. Pay for purchases at places that have agreed to accept
the card.
Some of these services may not be available at all
terminals.
B. LIMITATIONS
1. Limitations on frequency of transfers.
a. For security reasons, you may make only 20
transactions with your debit card each day.
b. FNB reserves the right to not allow electronic
transfers from the savings account.
2. Limitations on dollar amounts of transfers.
a. You may withdraw up to $200.00 from our
terminals each day with our ATM card.
b. You may withdraw up to $300.00 from our
terminals each day with our debit card.
c. There is a limit of the lesser of the balance
of your account or $1000.00 of outstanding
check card transactions allowed against your
account at any one time per account.
3. In addition to those limitations listed elsewhere,
transfers from an insured Money Market Account to another account or to third parties by preauthorized, automatic, or telephone transfers are limited to 6 per statement cycle, with no more than 3 by check, debit card, or
similar order to third parties. Also, transfers from an insured savings account by preauthorized transfers are
limited to 6 per statement cycle.
C. CHARGES FOR TRANSFERS OR RIGHT TO MAKE
TRANSFERS:
1. Fixed charge. We will charge you $1.00 each month
for our debit card, unless you maintain a $5,000.00 balance in any account that is accessible with the debit card
or the account holder is 62 years old or older.
D. ATM FEES BY OTHERS
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.
E. RECEIPT FOR TRANSACTION
You will receive a written receipt at the time you make
any transfer to or from your account using one of our automated teller machines, or from a point-of-sales terminal.
F. CUSTOMER LIABILITY
Tell us AT ONCE if you believe your card has been lost
or stolen. Telephoning is the best way of keeping your
possble losses down. You could lose all the money in
your account. If you tell us within 2 business days,
you can lose no more than $50 if someone used your
card without your permission.
If you do NOT tell us within 2 business days after you
learn of the loss or theft of your card, and we can prove
we could have stopped someone from using your card 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
*FNB reserves the right to deny an application for a
debit check card / ATM Card at its discretion.
be refunded 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 an
acceptable reason such as an extended trip or hospital stay prevented you from contacting us, we will
extend the time periods.
First National Bank in DeRidder, will not be responsible for any losses incurred by the bank’s
customer when said customer divulges their debit
card account number and pin number to another
person other than the bank itself. This includes
information given due to scams such as
“Phishing”.
G. HOW TO CONTACT US
If you believe that your card has been lost or stolen or
that someone has transferred or may transfer money
from your account without your permission; or, if for
any reason you wish to contact us, our telephone
number and address are listed in section V, part E.
II.
ELECTRONIC FUND TRANSFERS BY
PREAUTHORIZATION
A. DOCUMENTATION OF TRANSFERS
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 the phone number
listed below to find out whether or not the deposit has
been made.
B. LIMITATIONS
1. There is no limitation of frequency on withdrawal
transfers, except as noted at B (1)a &b and B3
above.
C. RIGHT TO STOP PAYMENT
If you have told us in advance to make regular payments
out of your account, you can stop any of these payments.
Here’s how: Call us at the phone number given below, or
write to the address given below, in time for us to receive
your request 3 or more business days before the payment
is scheduled to be made. If you call, we will require you to
submit a written request to us within 14 days after you've
called. If you order us to stop one of these payments 3 or
more business days before the transfer is scheduled, and
we do not do so, we will be liable for your losses or damages. (You will be charged $20.00 for each stop-payment
order placed).
D. NOTICE OF TRANSFERS VARYING IN AMOUNT
If the preauthorized regular transfers from your account
may vary in amount, the party you are going to pay should
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.
C. CHARGES FOR TRANSFERS
We do not charge for non-recurring preauthorized transactions using Electronic Check Conversion, except for high
activity per item service charge.
IV. TELEPHONE INITIATED TRANSFERS AND BILLPAYMENT SERVICE
A. ACCESSING YOUR ACCOUNT
For any authorized account, you may use our free 24-hour
Fone First telephone service, (337) 463-9933, to transfer
funds between your checking and savings accounts.
B. FREQUENCY OF TRANSFERS
There is no limit on the number of transactions you may
make initiated by telephone, except for MMIA and savings
account transfers. Transfers from an Insured Money Market Account, or from a savings account to another account,
or to third parties by preauthorized, automatic or telephone
transfers are limited to 6 per statement cycle with no more
than 3 by check, ATM Card, or similar order to third parties.
C. CHARGES
There is no fee when using our 24-hour Fone First telephone service.
D. CUSTOMER LIABILITY
VISA Customer Liability Limits
Additional Limit on Liability for VISA®-branded Card.
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®-branded card. This
additional limit on liability does not apply to ATM transactions using your Personal Identification Number which are
not processed by VISA®, or to commercial cards.
The liability policy for unauthorized use on PIN
transactions, not processed by VISA, is below:
Tell us AT ONCE if you believe your card 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. If you tell us within 2 business days, you can lose
no more than $50 if someone used your card without your
permission.
If you do NOT notify FNB within 2 business days after
you learn of the loss or theft of your card, and we can prove
we could have stopped use of your card without your permission, your liability could be as much as $500.
Also, if your statement shows transfers that you did notmake, 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 periods.
E. HOW TO CONTACT US
If you believe that your card has been lost or stolen or that
someone has transferred or may transfer money from your
account without your permission or if for any reason you
wish to contact us, telephone us at the phone number listed
below or write us at the address listed in section V, part E.
V. DISCLOSURES WHICH APPLY TO ALL ELECTRONIC
FUND TRANSFERS
A. PERIODIC STATEMENTS:
CHECKING: You will receive a monthly account
statement.
SAVINGS: You will receive a monthly account statement.
However, if there are no transfers in a particular month,
you will get a statement at least quarterly.
B. 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 the transfer would go over the credit limit on your
overdraft line, if any.
3. If your account is frozen because of a court order or
some similar reason.
4. If the automated teller machine where you are making
the transfer does not have enough cash.
5. If the terminal was not working properly and you knew
about the breakdown when you started the transfer.
6. If circumstances beyond our control (such as fire or
flood) prevent the transfer, despite reasonable cautions
that we have taken.
7. There may be other exceptions stated in our agreement
with you.
C. CONFIDENTIALITY – ACCOUNT INFORMATION
DISCLOSURE
We will disclose information to third parties about your
account or the transfers you make:
1. Where it is necessary to complete 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.
D. ERROR RESOLUTION PROCEDURES
In case of errors or questions about your electronic transfers: Telephone or write us at the phone number or address given below, 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 you the FIRST statement on which the problem appeared.
1. Tell us your name and account number
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.
A. ERROR RESOLUTION NOTICE
We will determine whether an error occurred within 5
business days after we hear from you and we will correct
any error promptly. If we need more time, however, we
may take up to 45 days to investigate your complaint or
question. If we decide to do this, we will credit your account within 10 business days for the amount you think
is in error, so that you will have 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. We will tell you the results within 3
business days after completing our investigation. If we
decide that there was no error, we will send you a written
explanation.
B. EXTENSION OF THE TIME PERIOD
1. The applicable time is 20 business days, instead of
10 business days, if the notice of error involves an
electronic fund transfer to or from the account within
30 days after the first deposit to the account was
made.
2. The applicable time is 90 days instead of 45 days of
investigation, if a notice of error involves an electronic fund transfer that:
a. Was not initiated within state;
b. Resulted from a point-of-sale debit card transacttion; or
c. Occurred within 30 days after the first deposit to
the account was made.
You may ask for copies of the documents that we used in
our investigation.
E.
MAILING ADDRESS, TELEPHONE NUMBER AND
BUSINESS DAY DISCLOSURE
1. Our mailing address, street address, and our phone
number are listed below. Our business days are
Mondays thru Friday. Saturdays, Sundays and holidays are not included.
FIRST NATIONAL BANK OF DERIDDER
P.O. Box 700
131 N. Washington Street
DeRidder, LA 70634
(337) 463-6231
FUNDS AVAILABILITY
POLICY DISCLOSURE
Our policy is to make funds from your 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. At this time, you can withdraw the funds in cash and we will use the funds to pay
checks you have written.
For determining the availability of your deposits, every
day is a business day, except Saturdays, Sundays, and
federal holidays.
If you make a deposit before 4:00 p.m. on a business day
that we are open, we will consider that day to be the day of
your deposit. However, if you make a deposit after 4:00 p.m.
FUNDS AVAILABILITY POLICY DISCLOSURE (CONT’D)
or on a non-business day, as described above, we will consider that the deposit was made on the next business day
we are open.
LONGER DELAYS MAY APPLY
In some cases, we will not make all the funds that you deposit by check available to you on the first business day after
your deposit. Depending on the type of check that you deposit, funds may not be available until the second business
day after the day of your deposit. However, the first $100 of
your deposits may be available on the first business day. If
we are not going to make all the funds from your deposit
available on the first business day, we will notify you at the
time you make your deposit. We will also tell you when the
funds may 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 will need the
funds from a deposit right away, you should ask us when the
funds will be available.
In addition, funds you deposit by check may be delayed for a
longer period under the following circumstances:
1. We believe a check you deposit will not be paid.
2. You deposit checks totaling more than $5,000 on any
one day.
3. You redeposit a check that has been returned unpaid.
4. You have overdrawn your account repeatedly in the last
six months.
5. There is an emergency, such as failure of communications or computer 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. Generally, funds will be available no
later than the seventh business day after the day of your
deposit.
SPECIAL RULES FOR NEW ACCOUNTS
If you are a new customer, the following special rules may
apply during the first 30 days your account is open.
Funds from electronic direct deposits to your account will be
available on the day we receive the deposit. Funds from
deposits of cash, wire transfers, and the first $5,000 of a
day’s total deposits of cashier’s, certified, teller’s, and federal, state, and local government checks will be available on
the first business day of your deposit, if the deposit meets
certain conditions. For example, the checks must be payable
to you, the depositor. The excess over $5,000 will be available on the ninth business day after the day of your deposit.
If your deposit of these checks (other than a U.S. Treasury
check) is not made in person to one of our employees, the
first $5,000 will not be available until the second business
day after the day of your deposit.
Funds from all other check deposits will be available on the
ninth business day after the day of your deposit.
FDIC - Each depositor is insured for at least $250,000.
FEES FOR ADDITIONAL PRODUCTS &
SERVICES
ATM Withdrawal Charge at Non-proprietary
ATM Machines..........................................................$1.00
First ATM Card .............................................................$5.00
ATM Replacement Card................................................$5.00
Activity Printout of Account.............................. $.50 per sheet
ACH Stop Payment.....................................................$20.00
Balance of Account Inquiry or Customer Statement Inquiry
............... $1.00, after 4 free inquiries, per statement cycle
Balancing of Account
Research & Reconciliation ........................$12.00 per hour
Transfer of Funds between interbank accounts by phone ........$1.00
Check Cashing
Customer: No charge if account has a corresponding
balance; $1.00 per $100.00, if not
Non-customer: ..................................... $1.00 per $100.00
Money Orders
All Customers: ......................................................... $1.00
Travel Cards $7.95 plus .75¢ per $100 after $ 800 not to exceed
$9.95
Companion cards $2.50 plus $1.00 per $100.00 additional fees may
apply.
Cashier's Check.............................$1.00 for the first $200.00
............................................... $.25 per $100.00 thereafter
.........................................$5.00 per check, after 5 checks
Wire Transfer (per item)
Non-customers: ......................................Incoming $10.00
Non-customers: ......................................Outgoing $40.00
Customers: ............................................. Incoming Free
Customers: .............................................Outgoing $20.00
Foreign Wires
Customers: ............................................................$50.00
Non-customers: .....................................................$60.00
(Must have Sr. Officer Approval)
Collection Items .................$5.00 plus external bank charges
Statements.......................................................$1.00 per page
Check and Deposit images.................................$.50 per item
FAX Machine ....... $5.00 per FAX plus $1.00 per page over 5
FONE FIRST (24 Hour Telephone Banking) .........No Charge
Night Drop Annual Fee................................................$10.00
Night Drop Lock Bag...................................................$20.00
Zipper Envelope Bag ....................................................$3.00
*Overdraft Protection
SAFE DEPOSIT BOXES
FNB CUSTOMER
Acct. Debited/Customer Pays
3 x 5 .....................................................$15.00….……$20.00
3 x 10....................................................$30.00……..….35.00
5 x 10....................................................$50.00……….$55.00
10 x 10..................................................$80.00……….$85.00
CURRENT NON-CUSTOMER BOXHOLDER
3 x 5............................................................................$40.00
3 x 10..........................................................................$60.00
5 x 10........................................................................$100.00
10 x 10......................................................................$160.00
Extra Keys Made…………………………………Request quote
Safe Deposit Box Lock Drilled...................................$120.00
*Overdraft Protection for all eligible checking accounts.
NSF fees will be imposed for overdrafts created by checks, ACH or by other
electronic means. Beginning July 1st 2010 for new accounts and August 15th,
2010 for existing ODP customers, an “opt in” form must be signed to receive
ODP for one time POS and ATM transactions.
ODL—Must apply with loan officer.
LOCATION AND PHONE NUMBERS
MAIN OFFICE
131 N. Washington Avenue . P.O. Box 700
DeRidder, Louisiana 70634 (337) 463-6231
BRANCHES:
Eastside Branch
823 Mahlon Street. DeRidder, Louisiana 70634
(337) 463-7838
Park Terrace Branch
1003 N. Pine, Park Terrace Shopping Center
DeRidder, Louisiana 70634
(337) 463-9669
Westside Branch
105 Smith Street. DeRidder, Louisiana 70634
(337) 462-0001
BANKING HOURS
LOBBY
ALL BRANCHES
Monday - Thursday: 9:00 a.m. - 5:00 p.m.
Friday: 9:00 a.m. - 5:30 p.m.
DRIVE-IN
MAIN OFFICE
Monday - Thursday: 7:00 a.m. - 5:00 p.m.
Friday: 7:00 a.m. - 5:30 p.m.
PARK TERRACE BRANCH
Monday - Thursday: 7:00 a.m. - 5:00 p.m.
Friday: 7:00 a.m. - 5:30 p.m.
Saturday: 9:00 a.m. - 1:00 p.m.
EASTSIDE BRANCH
Monday - Thursday: 7:00 a.m. - 5:00 p.m.
Friday: 7:00 a.m. - 5:30 p.m.
WESTSIDE BRANCH
Monday - Thursday: 7:00 a.m. - 5:00 p.m.
Friday: 7:00 a.m. - 5:30 p.m.
WEBSITE
www.fnbderidder.com
FONE FIRST - 24 Hour Banking By Phone
(337) 463-9933
Ver. 11
E. CUSTOMER LIABILITY
If your statement shows unauthorized transfers from your
account, tell us at once. If you do not tell us within 60 days
after we sent you the FIRST statement upon which the problem appeared, you may not be refunded any money you lost
after the 60 days if we can prove that we could have stopped
someone from taking money if you had told us in time.
If an acceptable reason (such as an extended trip or hospital
stay) kept you from contacting us, we will extend the time
periods.
F. HOW TO CONTACT US
If you believe that a transaction involving your account has
been made without your permission, or if for any reason you
wish to contact us, telephone us at the phone number given or
write us at the address listed in section V, part E.
III.
ELECTRONIC FUND TRANSFERS (EFT) BY
NON-RECURRING PREAUTHORIZED
TRANSFERS
A. TYPES OF NON-RECURRING PREAUTHORIZED
TRANSFERS:
1. You purchase goods or pay for services with a check at
the point of sale and authorize the merchant or service
provider to convert your check into an EFT by capturing
the routing, account and serial numbers to initiate the
transfer by an electronic check conversion.
2. You purchase goods or pay for services by mailing a
check to the merchant, a lockbox or other payee that is
later converted to an EFT by electronic check conversion.
3. You make a payment through a bill-payment service
available to you via computer or other electronic means
that initiates an ACH debit entry to your account using
MICR information you have provided, without producing
a paper draft, is an EFT by electronic check conversion.
4. You are asked to authorize at the time you offer a
check to a merchant or service provider, to electronically collect a charge in the event the check is returned
for insufficient funds. Paying such a fee electronically is
an EFT.
A consumer authorizes a one-time electronic fund transfer
(in providing a check or the Information from a check to a
merchant or other payee for the MICR encoding), where
the consumer receives notice that the transaction will be
processed as an EFT and completes the transactions.
Examples of notice include, but are not limited to, written
statements and the posting of a sign.
B. LIMITATIONS
You may not exceed the amount available in your account. Transfers from an Insured Money Market Account
to another account or to third parties by preauthorized,
automatic or telephone transfers are limited to 6 per statement cycle, with no more than 6 by check, debit card, or
similar order to third parties.
Also, transfers from an insured savings account by
preauthorized transfer are limited to 6 per statement cycle. (The bank reserves the right to deny preauthorized
transfers from savings accounts.)