Statement Ending 08/31/2016
JOHN SMITH
Page 1 of 4
Customer Number: XXXXXXXX1234
Sterling State Bank
102 S. Broadway Rochester, MN 55904
Managing Your Accounts
RETURN SERVICE REQUESTED
JOHN SMITH
1234 FIRST ST.
ROCHESTER MN 55904-4903
Branch Name
Rochester Downtown
Phone Number
(507) 282-1845
Mailing Address
102 South Broadway
Rochester, MN 55904
Online Address
www.sterlingstatebank.com
PRIVACY NOTICE
It is important to us to tell you how we collect, share and
protect your personal information. Our privacy policy has
not changed and you may review our policy and practices
with respect to your personal information at:
www.sterlingstatebank.com/documents/privacyp-rev.pdf
or we will mail you a free copy upon request if you call us
at 507-282-1845.
Thank you for banking with Sterling State Bank!
Summary of Accounts
For help enrolling in online banking or in setting up online bill pay, please talk to a Sterling
State Bank Personal Banker. We’re excited to show you how easy these features are to use.
We also offer Telephone Banking that allows you to check your balance, hear our hours &
locations, and move money between your Sterling State Bank accounts. Please visit our
website at: sterlingstatebank.com or call our Telephone Banking toll-free number any time at
1-800-905-5549.
Account Type
STERLING MONEY MKT
F0BA84A6FF3D3047B2BBDF1C30CF90F6
20160831
Account Number
Ending Balance
XXXX1234
$200.14
Savings Account Statements
JOHN SMITH
XXXXXXXX1234
Statement Ending 08/31/2016
Page 2 of 4
WITHDRAWALS OUTSTANDING NOT CHARGED TO ACCOUNT
THIS FORM IS PROVIDED TO HELP YOU BALANCE YOUR STATEMENT
NO.
BEFORE YOU START –
PLEASE BE SURE YOU HAVE ENTERED IN YOUR REGISTER ALL
AUTOMATIC TRANSACTIONS SHOWN ON THE FRONT OF YOUR STATEMENT.
$
YOU SHOULD HAVE ADDED
IF ANY OCCURRED:
1. Loan Advances;
2. Credit memos;
3. Other automatic deposits.
YOU SHOULD HAVE SUBTRACTED
IF ANY OCCURRED:
1. Automatic loan payments;
2. Automatic savings tranfers;
3. Service charges;
4. Debit memos;
5. Other automatic deductions and payments.
BANK BALANCE SHOWN
ON THIS STATEMENT $
ADD
DEPOSITS NOT SHOWN
ON THIS STATEMENT
(IF ANY) $
TOTAL $
SUBTRACT –
WITHDRAWALS
OUTSTANDING $
BALANCE $
TOTAL
$
SHOULD AGREE WITH YOUR REGISTER
BALANCE AFTER DEDUCTING SERVICE CHARGE
(IF ANY) SHOWN ON THIS STATEMENT.
Please examine immediately and report if incorrect. If no reply is received within 60 days the account will be considered correct.
In Case of Errors or Questions About Your Electronic Transfers or Your Demand Deposit Loan Account:
TELEPHONE OR WRITE US AT THE TELEPHONE NUMBER OR ADDRESS LOCATED ON THE FRONT OF THIS STATEMENT
as soon as you think your statement or receipt is wrong or if you need more information about a transfer 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 error or 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 there is an error or why you need more information.
(3) Tell us the dollar amount of the suspected error.
We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this we will recredit your account 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.
YOUR DEMAND DEPOSIT LOAN ACCOUNT OR HOME EQUITY LINE OF CREDIT LOAN ACCOUNT SUMMARY OF RIGHTS IS OUTLINED BELOW.
You remain obligated to pay the parts of your bill not in dispute, but you do not have to pay any amount in dispute during the time it takes to resolve this dispute. During
that same time, no action can be taken to collect disputed amounts or report disputed amounts as delinquent.
This is a summary of your rights. A full statement of your rights and our responsibilities under the Federal Fair Credit Billing Act will be sent to you both upon request
and in response to a billing error notice.
Your Demand Deposit Loan Account is operated in conjunction with your checking account. Any charges for your checking account will be made to the checking
account and they will be the same charges as are made for checking accounts not operated in conjunction with Demand Deposit Loan Accounts. The following
information thus applies only to loans made to you under your Demand Deposit Loan Account line of credit.
YOUR DEMAND DEPOSIT LOAN ACCOUNT INTEREST CHARGE is computed on the principal balance each day by application of the Daily Periodic Rate. The
minimum periodic payment required is shown on the front of this statement and will be automatically deducted from your checking account at the end of each billing
cycle, normally thirty (30) days. You may pay off your Demand Deposit Loan Account loan balance at any time or make voluntary additional payments. Payments shall
be applied first to any unpaid INTEREST CHARGES, and second, to the principal loan balance outstanding in your Demand Deposit Loan Account. Periodic statements
may be sent to you at the end of each billing cycle showing your Demand Deposit Loan Account loan transaction.
YOUR HOME EQUITY LINE OF CREDIT (HELOC) FINANCE CHARGE begins to accrue on the day each loan is made. You will be charged a FINANCE CHARGE on
your unpaid loan balance at the end of each day at the DAILY PERIODIC RATE. The Daily Periodic Rate is a VARIABLE RATE. It is equal to 1/365 of an Annual Rate
plus the Index Rate. The Daily Periodic Rate may increase if there is an increase in the highest Prime Rate as published daily in the Wall Street Journal. This
corresponds to an intial ANNUAL PERCENTAGE RATE that will never be more than 19%. The Daily Periodic Rate will be adjusted daily using the Index Rate in effect
that day. Your balance at the end of the day will reflect unpaid loans, payments and credits made that day.
Your FINANCE CHARGE for each monthly billing cycle is figured by:
First multiplying your unpaid balance at the end of each day in the billing cycle by the applicable daily periodic rate;
Then adding the result together.
The ANNUAL PERCENTAGE RATE does not include costs other than interest.
Send payments and inquiries to address shown on front of statement.
Note: Payments received after close of business shall be deemed received on the following business day for purposes of crediting your account.
F0BA84A6FF3D3047B2BBDF1C30CF90F6
20160831
Savings Account Statements
Rev-08.16
JOHN SMITH
Statement Ending 08/31/2016
XXXXXXXX1234
Page 3 of 4
STERLING MONEY MKT - 12345678910
Account Summary
Date
06/30/2016
08/31/2016
Interest Summary
Description
Beginning Balance
3 Credit(s) This Period
Amount
$234.88
$171.14
Description
Annual Percentage Yield Earned
Interest Days
4 Debit(s) This Period
$205.88
Interest Earned
$0.00
Ending Balance
$200.14
Interest Paid This Period
Interest Paid Year-to-Date
$0.00
$0.00
Interest Withheld Year-to-Date
Account Activity
Post Date
06/30/2016
07/11/2016
07/13/2016
08/05/2016
08/12/2016
08/15/2016
08/15/2016
08/15/2016
08/31/2016
Description
Beginning Balance
294026 INTERNET BANKING TRANSFER TO Green
Checking XXXXXX1234
308297 INTERNET BANKING TRANSFER TO Green
Checking XXXXXX1234
005478 INTERNET BANKING TRANSFER FROM Green
Checking XXXXXX1234
053018 INTERNET BANKING TRANSFER TO Green
Checking XXXXXX1234
069430 INTERNET BANKING TRANSFER FROM Green
Checking XXXXXX1234
069172 INTERNET BANKING TRANSFER FROM Green
Checking XXXXXX1234
069432 INTERNET BANKING TRANSFER TO Green
Checking XXXXXX1234
Ending Balance
Amount
0.00%
62
$0.00
Average Ledger Balance
$179.69
Average Available Balance
$179.69
Debits
Credits
$34.88
Balance
$234.88
$200.00
$70.00
$130.00
$100.00
$100.00
$230.00
$130.00
$1.00
$131.00
$70.14
$201.14
$1.00
$200.14
$200.14
Overdraft and Returned Item Fees
Total for this period
Total year-to-date
Total Overdraft Fees
$0.00
$0.00
Total Returned Item Fees
$0.00
$0.00
F0BA84A6FF3D3047B2BBDF1C30CF90F6
20160831
Savings Account Statements
JOHN SMITH
XXXXXXXX1234
Statement Ending 08/31/2016
THIS PAGE LEFT INTENTIONALLY BLANK
F0BA84A6FF3D3047B2BBDF1C30CF90F6
20160831
Savings Account Statements
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