Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should bookmark this notice for future reference.
You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s).
You may make arrangements to pay certain recurring bills from your checking or savings account(s).
Telephone Transfers-types of transfers:
You may access your account by telephone 24 hours a day, seven days a week at the following numbers:
(573) 438-4636 Potosi
(866) 35 UNICO Toll Free
using your personal identification number (PIN), a touch tone phone, and your account numbers to;
ATM Transfers- types of transfers:
You may access your account(s) by ATM using your ATM Card and personal identification number or Debit Card and personal identification number to;
Some of these services may not be available on all terminals.
Types of SHAZAMCheck Point-of-Sale Transactions
You may access your checking account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that can be done with a credit card (that a participating merchant will accept with a credit card)
Computer Transfers- types of transfers and charges-
You may access your account via the Internet by visiting our website at www.unicobank.com and using your personal identification number and your account number to;
We do not charge for direct deposits to any type of account
We do not charge for preauthorized payments from any type of account
Except as indicated elsewhere, we do not charge for these electronic fund transfers
NOTICE REGARDING ATM FEES BY OTHERS:
If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network.
You can get a receipt at the time you make any transfers to or from your account using one of our automated teller machines or point-of-sale terminals.
If you have arranged to have direct deposits to your account at least once every 60 days from the same person or company, you can call us at (573) 438-5421 to find out whether or not the deposit has been made.
You will get a monthly account statement from us for your checking and money market accounts.
You will get a monthly account statement from us for your savings accounts, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.
Right to stop payment and procedure for doing so.
If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:
Call or write us 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 your call.
Please refer to our separate fee schedule for the amount we will charge you for each stop payment order you give.
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 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 to you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable for instances;
1. If, through no fault of ours, you do not have enough money in your account to make the transfer.
2. If you have an overdraft and the transfer would go over the credit limit.
3. If the automated teller machine where you are making the transfer does not have enough cash.
4. If the terminal or system was not working properly, and you knew about the breakdown when you started the transfer.
5. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we have taken.
6. There may be other exceptions stated in our agreement with you.
We will disclose information to third parties about your account or the transfers you make:
1. where it is necessary for completing transfers;or
2. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
3. in order to comply with government agency or court orders; or
4. if you give us written permission.
(a) Consumer liability (1) Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit.) If you tell us within 2 business days, you can lose no more than $50 if someone used your card and/or code without your permission. If you believe your card and/or code has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your card and/or code without your permission.
If you do NOT tell us within 2 business days after you learn of the loss of 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 $500.00.
Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.
If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
(2) Additional Limits on Liability for SHAZAMCheck, when used for point-of-sale transactions.
You will not be held liable for any unauthorized transactions using your SHAZAMCheck, when used for your point-of-sale transaction if:
* you report the loss or theft of your card within 24 hours of when you discover loss or theft.
* you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk or loss or theft
* you have not reported to us two or more incidents of unauthorized use within the prior twelve-month period, and
* your account is in good standing. If any of these conditions are not met, your liability is the lessor 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.
(b) Contact in event of authorized transfer.
If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed here.
ERROR RESOLUTION NOTICE
In Case of Errors or Questions About Your Electronic Transfers, Call or Write us as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
1. Tell us your name and account number (if any)
2. Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determined 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 involves a new account, a point-of-sale transaction, or a foreign-initated 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 involves 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 involves a new account, a point-of-sale transaction, or a foreign-initated 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. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.
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.
PO Box 398
Potosi, Missouri 63664
Business Days: Monday-Friday
Excluding Federal Holidays
Phone: (573) 438-5421
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