Important information regarding the computation
of your loan balance and loan interest charges
360.891.4000 | ColumbiaCU.org
The balance on which the interest charge is computed is the actual unpaid loan
balance each day after credits are subtracted and new advances or other charges
are added. The interest charge based on the outstanding balance is computed when
you make a payment. For each day since your last payment the unpaid balance in
your account is multiplied by the corresponding daily periodic rate. The sum of these
charges, plus any loan fees, is the interest charge you owe on the loan account.
• While you do not have to pay the amount in question, you are responsible for the
remainder of your balance. But, if we determine that we made a mistake, you will
not have to pay the amount in question or any interest or other fees related to that
amount.
Billing Error Rights.
In Case of Errors or Questions About Your Electronic Transfers
What To Do If You Find A Mistake On Your Statement. If you think there is an error
on your statement, write to us at: Columbia Credit Union, PO Box 324,Vancouver,
WA 98666. In your letter, give us the following information:
Telephone us at 360.891.4000 or 800.699.4009
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your bill, describe what
you believe is wrong and why you believe it is a mistake.
You must contact us:
• We can apply any unpaid amount against your credit limit.
or
write us at P.O. Box 324, Vancouver, WA 98666 as soon as you can, if 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 (if any).
(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.
• Within 60 days after the error appeared on your statement.
• At least 3 business days before an automated payment is scheduled, if you want to
stop payment on the amount you think is wrong.
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.
You must notify us of any potential errors in writing . You may call us, but if you do
we are not required to investigate any potential errors and you may have to pay the
amount in question.
Loss or Theft of Debit Card
While we investigate whether or not there has been an error:
• We cannot try to collect the amount in question, or report you as delinquent on
that amount.
• The charge in question may remain on your statement, and we may continue to
charge you interest on that amount.
Notify us at 360.891.4000 24 hours a day if you believe your Debit Card or PIN has
been lost or stolen. You will not be liable for unauthorized transactions on your
account provided you were not negligent or fraudulent in handling your Card.
Otherwise, you can lose not more than $50 if you tell us within two (2) business days
that someone used your Card without your permission. If you do not tell us within
two (2) business days after you learn of the loss or theft of your Card, and we can
prove that we could have stopped someone from using your Card or PIN without
your permission if you had told us, you could lose as much as $500.
This form is provided to help you
balance your checking account statement
Checks outstanding not Charged to account
Helpful hints to use if your account does not balance:
No.
1. Compare your deposit receipts to your checkbook and statement.
$
2. Compare duplicate checks to your statement.
3. Check all additions and subtractions in your checkbook.
4. Be sure that all charges have been deducted from your checkbook.
5. Be sure that all dividends have been added to your checkbook.
6. If your account still does not balance please report the difference to the credit
union immediately.
Month
Ending balance shown on this statement
20
$
ADD +
Deposits not credited on this statement
(if any)
$
Sub Total
$
SUBTRACT –
TOTAL
Checks outstanding
$
BALANCE
$
Should agree with your checkbook
Rev. 2/16 Federally insured by NCUA.