important account information

IMPORTANT ACCOUNT INFORMATION
September 2015
Privacy Policy
Deposit Account Agreement
General Terms
Funds Availability
Electronic Funds Transfers
Truth In Savings Disclosure
Checking Accounts
Savings & Money Market Accounts
What You Need to Know About Overdrafts and Overdraft Fees
ATM/Debit Card Agreement
Business Check Card Agreement
Fee Schedules
Rev. November 2014
FACTS
Why?
What?
How?
WHAT DOES F.N.B. CORPORATION DO WITH YOUR PERSONAL
INFORMATION?
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.
The types of personal information we collect and share depend on the product or service you have
with us. This information can include:
■ Social Security Number and Income
■ Account Balances and Payment History
■ Credit History and Credit Score
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 F.N.B. Corporation chooses to share; and whether you can limit
this sharing.
Reasons we can share your personal information
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
For our marketing purposes— to offer our
products and services to you
For joint marketing with other financial
companies
For our affiliates’ everyday business purposes—
information about your transactions and experiences
For our affiliates’ everyday business purposes—
information about your creditworthiness
For our affiliates to market to you
For nonaffiliates to market to you
To Limit Our
Sharing
Does F.N.B. Corporation
Share?
Can you limit this sharing?
Yes
No
Yes
Yes
Yes
Yes
Yes
No
Yes
Yes
Yes
No
Yes
We don’t share
Please contact the respective F.N.B. Corporation affiliate at the number provided:
■ Call 800-555-5455 for First National Bank
■ Call 866-427-7540 for Regency Finance Company,
F.N.B. Consumer Discount Company, FMAC, or
FNB Financial Services LP
■ Call 800-542-5978 for First National Trust Company,
First National Investment Services Company, LLC, or
F.N.B. Investment Advisors, Inc.
■ Call 800-252-4850 for First National Insurance Agency, LLC
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent
this notice. When you are no longer our customer, we continue to share your information as
described in this notice.
However, you can contact us at any time to limit sharing or visit your local branch.
Questions?
Call 800-555-5455
2
Page 2
Who we are
Who is providing this notice?
What we do
How does F.N.B. Corporation protect my
personal information?
How does F.N.B. Corporation collect my
personal information?
Why can’t I limit all sharing?
What happens when I limit sharing for an
account I hold jointly with someone else?
Definitions
Affiliates
Nonaffiliates
Joint Marketing
F.N.B. Corporation is a diversified financial services holding company
operating a bank, consumer lending and wealth management
companies, and an insurance agency.
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.
We collect your personal information, for example, when you:
■ Open an account or deposit money
■ Pay your bills or apply for a loan
■ Use your debit card
We also collect your personal information from others, such as credit
bureaus, affiliates, or other companies.
Federal law gives you the right to limit only:
■ Sharing for affiliates’ everyday business purposes— information
about your creditworthiness
■ Affiliates from using your information to market to you
■ Sharing for nonaffiliates to market to you
Your choices will apply to everyone on your account— unless you tell
us otherwise.
Companies related by common ownership or control. They can be
financial and nonfinancial companies.
■ Our affiliates include financial companies such as First National
Bank, First National Trust Company, First National Investment
Services Company, LLC, which also does business as F.N.B.
Investment Services, F.N.B. Investment Advisors, Inc., First
National Insurance Agency LLC., FNB Financial Services, LP and
Regency Finance Company, which also does business under the
trade names F.N.B. Consumer Discount Company and FMAC.
Companies not related by common ownership or control. They can be
financial and nonfinancial companies.
■ F.N.B. Corporation does not share with nonaffiliates so they can
market to you.
A formal agreement between nonaffiliated financial companies that
together market financial products or services to you.
■ Our joint marketing partners include credit card companies and
insurance companies.
F.N.B. Corporation Family of Companies
■
■
■
■
First National Bank
First National Trust Company
First National Investment Services Company, LLC
F.N.B. Investment Advisors, Inc.
■
■
■
3
First National Insurance Agency, LLC
Regency Finance Company
FNB Financial Services, LP
Table
Table of
of Contents
Contents
Part
Part A:
A: General
General Terms
Terms
Part
B:
Funds
Part B: Funds Availability
Availability
Part
C:
Electronic
Part C: Electronic Funds
Funds Transfer
Transfer
PART
A
/
GENERAL
PART A / GENERAL TERMS
TERMS
FIRST
FIRST NATIONAL
NATIONAL BANK
BANK OF
OF PENNSYLVANIA
PENNSYLVANIA
Deposit
Deposit Account
Account Agreement
Agreement
August
August 2015
2015
1. OUTLINE OF AGREEMENT
1.
OF AGREEMENT
ThisOUTLINE
Deposit Account
Agreement (Agreement) consists of the terms, conditions, regulations and disclosures that apply to any kind of deposit account that you have with us. When you open an account with us by
This Deposit
Account
Agreement
(Agreement)
of the terms,
conditions,
and
that as
apply
of contained
deposit account
that you have
us. When
you open
account Retirement
with us by
signing
a signature
card,
and receiving
a copy ofconsists
this Agreement,
you are
agreeingregulations
to the terms
of disclosures
this Agreement
wellto
asany
anykind
terms
in the signature
card. with
Certificates
of Deposit
andanIndividual
signing a signature
card, and
receiving
a copy of on
thistheir
Agreement,
you are agreeing to the terms of this Agreement as well as any terms contained in the signature card. Certificates of Deposit and Individual Retirement
Accounts
are also subject
to the
terms disclosed
face.
Accounts
are
also
subject
to the
terms
on their
face. to all deposit accounts; Rules and disclosures regarding your ability to withdraw funds from your accounts are found in Part B; Special rules applicable to
Part A of this Agreement sets
forth
the disclosed
general terms
applicable
Part A of this
setsfound
forth in
the
general
terms
applicable
to entire
all deposit
accounts;
Rules and
disclosures
regarding
your
ability
withdraw
funds
from your accounts
are"we"
found
Partmean
B; Special
rules applicable
electronic
fundAgreement
transfers are
Part
C. You
should
read this
Agreement
carefully.
In this
Agreement
the words
"you"
andto"your"
mean
the depositor.
The words
andin"us"
the financial
institution.to
electronic
fund
transfers between
are foundyou
in Part
should governed
read this entire
carefully.
thisgoverned
Agreement
and "your" meanofthe
depositor. The
"we"
andand
"us"other
mean
the financial
institution.
The
deposit
relationship
andC.
us You
is primarily
by thisAgreement
Agreement.
But it isInalso
by the
thewords
laws of"you"
the Commonwealth
Pennsylvania,
the words
state of
Ohio,
applicable
states;
the laws
The
deposit
and us isofprimarily
governed
by this
Agreement.
ButFederal
it is alsoReserve
governed
by thethe
laws
of and
the Commonwealth
of Pennsylvania,
of Ohio,
other applicable
states;
the laws
of the
Unitedrelationship
States; the between
rules andyou
regulations
the Federal
Reserve
Board
and various
Banks;
rules
regulations of organizations
suchthe
as state
clearing
houseand
associations;
and other
policies.
If
of the
United
States;
the rules
andinto
regulations
of the
Federal Reserve
Federal
Reserve
Banks;
and regulations
organizations
such aslaw
clearing
house Ifassociations;
and between
other policies.
If
any
terms
of the
Agreement
come
conflict with
applicable
law, thoseBoard
termsand
will various
be nullified
to the
extent that
theythe
arerules
inconsistent
with the of
law,
and the applicable
will govern.
a conflict arises
oral and
any terms
of the Agreement
with applicable
law, thosewill
terms
will be nullified to the extent that they are inconsistent with the law, and the applicable law will govern. If a conflict arises between oral and
written
information
furnished come
to youinto
andconflict
this Agreement,
this Agreement
prevail.
written
information
furnished
to
you
and
this
Agreement,
this
Agreement
will
prevail.
Your signature on the signature card is the authorized signature on the account. For the payment of funds and for other purposes relating to any deposit account you have with us, we are authorized to recognize your
Your signature
onwill
thenot
signature
card
is the
onchecks
the account.
the payment
of funds
and for
other purposes
relating
tosignature
any deposit
accounton
you
have
with us,
we are authorized
to recognize your
signature,
but we
be liable
to you
forauthorized
refusing tosignature
honor your
or otherFor
signed
instructions
if we have
a reasonable
doubt
that the
appearing
such
checks
or instructions
is not genuine.
signature, but we will not be liable to you for refusing to honor your checks or other signed instructions if we have a reasonable doubt that the signature appearing on such checks or instructions is not genuine.
2. DEPOSITS
2. DEPOSITS
Deposits
shall be in currency, checks, drafts, or other negotiable instruments acceptable to us. Deposits can be made in person at any of our branch offices, electronically, sent to us in the mail, or made via night
Deposits
in currency,
checks,facilities.
drafts, orAll
other
negotiable
instruments
acceptable
us.us,Deposits
can or
becashed
made in
person at any
of our
branch
offices,
sent toback
us intothe
mail,
or made
via night
depositoryshall
if webe
have
night depository
items
credited to
any account,
or cashedtoby
are credited
conditionally
subject
to final
payment
to electronically,
us. We may charge
your
account,
without
prior
depository ifthe
we amounts
have night
facilities.
items
credited
any account,
cashed are
by us,
credited
conditionally
subject
to final
payment to
us. We
may or
charge
to yourinstrument
account, without
prior
notification,
of depository
any such checks
or All
other
items
to thetoextent
that the or
proceeds
notare
received
by or
us.cashed
You waive
notice of
dishonor
of deposited
checks,
drafts
other back
negotiable
and hereby
notification,us,
theinamounts
any suchtochecks
or other
items
to the
extent
that the
proceedsinstruments,
are not received
bynotice
us. You
waive
of dishonor
of deposited
drafts or other
negotiable
instrument
hereby
authorized
our soleof
discretion,
re-present
such
checks,
drafts
or other
negotiable
without
to you,
for notice
collection.
If the check,
draft orchecks,
other negotiable
instrument
deposited
to yourand
account
is
authorized
us,
in
our
sole
discretion,
to
re-present
such
checks,
drafts
or
other
negotiable
instruments,
without
notice
to
you,
for
collection.
If
the
check,
draft
or
other
negotiable
instrument
deposited
to
your
account
is
paid by the drawee bank and later is returned because of the claim of alteration, forgery, unauthorized endorsement or for any other reason, we may withhold the amount of the check, draft or other negotiable
paid by thefrom
drawee
anduntil
laterthe
is claim
returned
becauseWe
of the
of alteration,
forgery, unauthorized
endorsement
or for any
other by
reason,
weatmay
the
amount
thedeposit
check, or
draft
other
negotiable
instrument
your bank
account
is resolved.
are claim
not responsible
for deposits
sent by mail until
they are actually
recorded
us. We,
our withhold
discretion,
may
refuseofany
limitorthe
amount
which
instrument
from yourDeposits
accountmade
until the
claiman
is automated
resolved. We
are
not responsible
forsubject
deposits
sentverification
by mail until
are actually
recorded
us. deposit
We, at envelope.
our discretion, may refuse any deposit or limit the amount which
may
be deposited.
through
teller
machine
(ATM) are
to our
of they
the amount
enclosed
in theby
ATM
may
be deposited.
madeFunds
through
an automated
machine (ATM)
to Automated
our verification
of theHouse
amount
enclosed intothe
ATM deposit
envelope.
In accordance
with Deposits
the Electronic
Transfer
Act andteller
the operating
rules ofare
thesubject
National
Clearing
Association,
confirm
the receipt
of electronic deposits to your account or electronic payments
In accordance
with the
Funds
Transfer Actatand
the operating rules
theat
National
AutomatedonClearing
Association,
to confirm
the receipt
of electronic
deposits
to your
account
or electronic
from
your account,
you Electronic
may call us
in Pennsylvania
1-800-555-5455,
or in of
Ohio
1-800-494-2265
the dayHouse
you expect
to receive
the deposit
or the payment
to be
made from
your
account.
We do notpayments
provide
from your account,
you may call
us inorPennsylvania
at 1-800-555-5455,
or inofOhio
at 1-800-494-2265
on the daywill
you
to on
receive
the deposit
or the payment to be made from your account. We do not provide
notification
of each electronic
deposit
payment for your
account. A record
electronic
deposits and payments
beexpect
included
your account
statement.
notification of each electronic deposit or payment for your account. A record of electronic deposits and payments will be included on your account statement.
3. FACSIMILE SIGNATURES
3.
FACSIMILE
If the
Customer SIGNATURES
(through the Customer's designated representatives or otherwise) directs us to pay checks or other items from the accounts by utilizing one or more facsimile signatures, we may pay any check or other
If theifCustomer
(through
the Customer's
representatives
or otherwise)
directs us tofacsimile
pay checks
or other items
from given
the accounts
by utilizingtoone
more facsimile
wesignature
may pay any
check
other
item
the negotiable
instrument
bears a designated
facsimile signature
which resembles
the appropriate
signature(s)
specimen
by the Customer
us, or
regardless
of howsignatures,
the facsimile
came
to beorplaced
itemthe
if the
negotiable
bearseven
a facsimile
signaturesignatures
which resembles
the appropriate
facsimile
specimen
given
the pay
Customer
to us,regardless
regardlessofoftohow
the they
facsimile
signature
cameThe
to be
placed
on
item.
We may instrument
pay such items
if the facsimile
were placed
on the items
without signature(s)
the Customer's
authority.
Webymay
such items
whom
are drawn
or paid.
Customer
on
the
item.
We
may pay such
even ifmade
the facsimile
items without
the resembling
Customer'sthe
authority.
We may
pay such
items signature.
regardless (As
of toawhom
areparagraph
drawn or we
paid.
Theshifted
Customer
assumes full responsibility
for allitems
payments
by us in signatures
good faith were
basedplaced
upon on
anythe
facsimile
signature
appropriate
specimen
facsimile
result they
of this
have
our
assumes
responsibility
for allalso
payments
by us requiring
in good faith
based upon
facsimile
signature
resembling
appropriate
signature.
(As the
a result
of this
paragraph
we have
our
liability
to full
you.)
This paragraph
applies made
to accounts
a combination
of any
manual
and facsimile
signatures
on the
checks
or otherspecimen
items. Asfacsimile
used in this
paragraph,
phrases
"facsimile
signature"
andshifted
"facsimile
liability
to you.)
paragraph
accounts to
requiring
a combination
of manual
facsimile
signatures
checks
or other
items.
As used
in this
paragraph,
the phrases
"facsimile
signature"
"facsimile
signatures"
referThis
to any
methodalso
usedapplies
by thetoCustomer
authenticate
an item other
than and
a manual
signature
of a on
natural
person's
name
made
by that
person.
The phrase
includes
(but is not
limited and
to) the
use of
signatures"
refer
to
any
method
used
by
the
Customer
to
authenticate
an
item
other
than
a
manual
signature
of
a
natural
person's
name
made
by
that
person.
The
phrase
includes
(but
is
not
limited
to)
the
use
of
signature stamps or plates, computer generated symbols and signatures produced by digital or other electronic means.
signature stamps or plates, computer generated symbols and signatures produced by digital or other electronic means.
4. OVERDRAFTS/RETURNED ITEMS
4. check,
OVERDRAFTS/RETURNED
ITEMS
A
in-person withdrawal, ATM
withdrawal or a withdrawal by electronic means that will overdraw your available account balance will trigger or cause you to incur an overdraft/returned item fee. You will incur an
A check, in-personitem
withdrawal,
ATM
withdrawal
or a withdrawal by
electronic
thateach
will overdraw
yourisavailable
account
or cause
you
an overdraft/returned
item fee.
will incur
an
overdraft/returned
fee, as set
forth
in the Personal/Business
Account
Fee means
Schedule,
time an item
presented
to yourbalance
accountwill
thattrigger
we return
or pay
as to
anincur
accommodation
for which there
are You
insufficient
funds
overdraft/returned
item fee, asthere
set forth
the to
Personal/Business
Account Fee Schedule,
each
is presented
yourAdditionally,
account thata we
return oroverdraft
pay as anfee,
accommodation
there are insufficient
funds
to pay the item. Accordingly,
is noinlimit
the number of overdraft/returned
item fees
thattime
you an
canitem
incur
on a givento
day.
continuous
as set forth in for
thewhich
Personal/Business
Account
Fee
to pay the item.
there
is no
to thedays
number
overdraft/returned
itemaccount
fees that
you can
on a given
day. accounts)
Additionally,
a continuous
overdraft
the Personal/Business
Account
Fee
Schedule,
will beAccordingly,
charged every
three
(3)limit
business
thatofyour
consumer deposit
(every
day incur
for business
deposit
is overdrawn.
This
fee willfee,
startasonset
theforth
thirdinbusiness
day your consumer
deposit
Schedule,
be charged
everybusiness
three (3)day
business
days that
your consumer
(every to
dayany
foroverdraft/returned
business deposit accounts)
is overdrawn.
This fee
will start
on the
third business
yourtoconsumer
deposit
account
is will
overdrawn
(second
for business
deposit
accounts) deposit
and willaccount
be in addition
item fee that
you may incur.
If your
account
is overdrawn,
youday
agree
deposit sufficient
account
is overdrawn
(second
dayfees
for business
deposit
accounts)
and
in addition
anyenforce
overdraft/returned
item infee
that account
you mayagainst
incur. any
If your
is overdrawn, you agree to deposit sufficient
funds to cover
the overdraft
andbusiness
any service
as soon as
you receive
notice
of will
the be
overdraft.
We to
may
overdraft liability
a joint
jointaccount
owner individually.
funds to cover the overdraft and any service fees as soon as you receive notice of the overdraft. We may enforce overdraft liability in a joint account against any joint owner individually.
In connection with overdrafts, our determination of the account balance may be made at any time between presentment and our applicable deadline, and will only be made once each day Monday through Friday, except
In
connection
withAfter
overdrafts,
ourare
determination
of the
accountwe
balance
may
made
at anyand
time
between
our applicable
deadline,
andmiscellaneous
will only be made
once
each day
Monday
through
Friday,
except
federal
holidays.
deposits
posted to your
account,
process
andbepost
checks
other
debit presentment
items to yourand
account
in the following
order:
debits
(internal
debits,
including
certain
automatic
federal holidays.
Aftercharges
depositsand
areoverdraft/returned
posted to your account,
we process
post checks
other debit
items
to wire
your transfers;
account inforeign
the following
order:check,
miscellaneous
debits (internal
including certain
automatic
transfers);
stop item
item fees;
returnedand
deposited
items;and
internet
banking
and
ATM fees;
ATM, point-of-sale,
and debits,
ACH withdrawals;
money
market
transfers);
stop
item
charges
and
overdraft/returned
item
fees;
returned
deposited
items;
internet
banking
and
wire
transfers;
foreign
ATM
fees;
check,
ATM,
point-of-sale,
and
ACH
withdrawals;
money
withdrawals; wire transfer fees; account closing withdrawals; service charges; loan payments, overdraft protection fees; continuous overdraft fees; and certain other automatic transfers. We pay check,market
ATM,
withdrawals;
transfer
fees;
account
withdrawals;
service
charges;
loan payments,
protection
fees;debit
continuous
overdraft
and
certaininother
transfers.
We pay
check, ATM,
point-of-sale, wire
and ACH
debit
items
to yourclosing
account
in order from
highest
dollar amount
to lowest overdraft
dollar amount.
All other
items are
posted fees;
to your
account
orderautomatic
from lowest
dollar amount
to highest
dollar
point-of-sale,
ACHtodebit
items
to your
account and
in order
dollar
amount
lowest
dollar amount.
All other
debit
items
are posted
to your
account
order from
highest
dollar
amount.
Withand
respect
check,
ATM,
point-of-sale
ACHfrom
debithighest
items, we
group
thesetoitems
together
in "batches"
and pay
them
in order
from the
highest
dollar in
amount
to thelowest
lowestdollar
dollaramount
amounttowithin
a batch,
amount.
With
respect
to
check,
ATM,
point-of-sale
and
ACH
debit
items,
we
group
these
items
together
in
"batches"
and
pay
them
in
order
from
the
highest
dollar
amount
to
the
lowest
dollar
amount
within
a
batch,
which results in multiple items posting to your account in a short time period. We may pay check, ATM, point-of-sale and ACH debit items in the sequence of highest dollar amount to lowest dollar amount, even if: (1)
which
results
in
multiple
items
posting
to
your
account
in
a
short
time
period.
We
may
pay
check,
ATM,
point-of-sale
and
ACH
debit
items
in
the
sequence
of
highest
dollar
amount
to
lowest
dollar
amount,
even
if:
(1)
paying a particular check or other item results in an insufficient balance in your account to pay one or more other check, ATM, point-of-sale, ACH or other items that otherwise could have been paid out of your account;
paying
a particular
checkorder
or other
item in
results
in an insufficient
in your
account to pay
one
more
otherorcheck,
ATM, point-of-sale,
ACH
or other
items
that
otherwise
could
have to
been
paid
out of at
your
or
(2) using
a particular
results
the payment
of fewer balance
check, ATM,
point-of-sale,
ACH
or or
other
items
the imposition
of additional
fees.
Checks
and
other
items are
posted
your
account
theaccount;
close of
or
(2)
using
a
particular
order
results
in
the
payment
of
fewer
check,
ATM,
point-of-sale,
ACH
or
other
items
or
the
imposition
of
additional
fees.
Checks
and
other
items
are
posted
to
your
account
at
the
close
of
business Monday through Friday, except federal holidays. As a result, we do not necessarily process items in the order in which we receive them and transactions received after the close of business on Friday,
business Monday
Friday,
except to
federal
holidays.at As
result,
do noton
necessarily
process itemsdue
in the
order
in which
we receive them
transactions
received
after the close
of business
Saturday,
Sundaythrough
or Monday
are posted
your account
theaclose
of we
business
Monday. Furthermore,
to the
timing
of authorizations,
certainand
transactions,
such
as point-of-sale
transactions,
may on
notFriday,
post to
Saturday,
Sunday
or Monday
posted
to your
at the
close of business on Monday. Furthermore, due to the timing of authorizations, certain transactions, such as point-of-sale transactions, may not post to
your
account
until several
daysare
after
you enter
intoaccount
the actual
transaction.
your account until several days after you enter into the actual transaction.
Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or
Whether
overdrafts
will be The
paid fact
is discretionary
we reserve
the requests
right not to
pay. overdraw
For example,
we typically
do notbalance
pay overdrafts
if your
account
notso,
in even
good standing,
you are such
not making
regular
deposits,
or
you
haveyour
too many
overdrafts.
that we mayand
honor
withdrawal
which
the available
account
does not
obligate
us toisdo
if we haveorhonored
withdrawal
requests
in the
you
many
factsuch
that requests
we may honor
overdraw
the available
past.have
We too
will not
be overdrafts.
obligated toThe
honor
unlesswithdrawal
required byrequests
law or bywhich
another
agreement
we have account
with you.balance does not obligate us to do so, even if we have honored such withdrawal requests in the
past. We will not be obligated to honor such requests unless required by law or by another agreement we have with you.
5. RIGHT TO CHARGE BACK
5. RIGHT
CHARGE
BACK to an account may be returned unpaid. If any deposited check of $100 or less is returned unpaid, we may send the check for payment again without returning it to you or notifying you of
Checks
or TO
other
items deposited
Checks
or other items
deposited
to an
may
be returned
unpaid.
If any
deposited
$100are
or not
lessinitially
is returned
weextend
may send
the check
for payment
without
returning
to you
or notifyingby
you
of
the
nonpayment.
We also
may hold
foraccount
payment
deposited
checks
of $100
or less
drawn check
on us of
if they
paid. unpaid,
We may
the time
for returning
these again
checks
or give
notice ofit their
nonpayment
one
the
nonpayment.
alsoWe
may
deposited
checks of
$100
or less
drawn onyou
us ifofthey
are not initially
We
mayprocedures.
extend the time
forcheck
returning
theseitem
checks
or giveinnotice
of their nonpayment
oneis
additional
businessWe
day.
willhold
not for
be payment
liable for any
loss resulting
from
a delay
in notifying
a dishonored
checkpaid.
due to
these
If any
or other
deposited
your account
or cashed forbyyou
additionaltobusiness
day.
We
not be
liable
for any
from
a delay
in the
notifying
a dishonored
to these
If any
check
other item
deposited
in your
account
orreturned
cashed for
returned
us by the
Bank
onwill
which
it was
drawn
for loss
any resulting
reason, we
may
accept
returnyou
andofcharge
the itemcheck
back due
against
your procedures.
account without
regard
to or
whether
the bank
on which
it was
drawn
theyou
itemis
returned
us by the
Bank onIf which
was drawn
foron
any
weormay
accept
return and endorsement,
charge the item
without regard
whether
thedetermination
bank on which
the item
before
itstomidnight
deadline.
a late itreturn
is based
anreason,
alteration
a forged
orthe
unauthorized
weback
may against
place a your
hold account
on your account
until wetomake
a final
asittowas
the drawn
validityreturned
of the claim.
before its midnight deadline. If a late return is based on an alteration or a forged or unauthorized endorsement, we may place a hold on your account until we make a final determination as to the validity of the claim.
6. IF YOU OWE US MONEY
6.
YOUus
OWE
US MONEY
YouIFgrant
security
interest in your accounts for any and all indebtedness owed by you to us, however or whenever incurred or evidenced, including any service fees or charges to the account. If you owe us money
You
grant us security
interest
in your
any
and all
owed
you to us,
however
or whenever
evidenced,
service
fees or from
charges
the account.
youhold
owean
usinterest
money
or
a payment
is due, we
have the
rightaccounts
under theforlaw
(called
setindebtedness
off) and under
this by
Agreement
(by
which you
grant us aincurred
security or
interest
in yourincluding
account)any
to use
the money
any to
account
in whichIfyou
or pay
a payment
is due,
have
theoff
right
under the and
law (called
under
thistoAgreement
(byincluding
which you
grantthrough
us a security
interest
in your account)
to use theowed
money
account
which youorhold
an interest
to
the debt.
Our we
right
to set
is automatic
superiorset
tooff)
anyand
other
claims
the account,
claims
right of
survivorship.
Any indebtedness
byfrom
you any
to us,
either in
individually
jointly,
may be
to
pay
the
debt.
Our
right
to set
off isbefore
automatic
andyour
superior
towhether
any other
to the account,
including
throughto
right
survivorship.
Any indebtedness
owed
by you
to when
us, either
individually
or jointly,
maywe
be
charged against your account,
either
or after
death,
or claims
not co-depositors
on the
accountclaims
are indebted
us. ofWe
will not be liable
for the dishonor
of any
check
the dishonor
occurs
because
charged
your account,
eitherWe
before
after
your
or not co-depositors
onresults
the account
are indebted
to us.
We
will not
be liable
for the dishonor
any check
dishonor
because
we
set
off a against
debt against
this account.
haveorthis
right
of death,
set off whether
even if withdrawing
the money
in an interest
penalty.
You
agree
to hold
us harmless
from anyofclaim
arisingwhen
as a the
result
of our occurs
exercise
of our right
setset
offoff.
a debt
this account.
We to
have
rightbe
of exercised
set off even
if withdrawing
the property
money results
an interestagainst
penalty.
agree
hold
usofharmless
frombanks
any claim
arising as or
a result
of our exercise of our right
to
Youagainst
also agree
that this right
set this
off may
with
respect to your
in our in
possession
anyYou
sums
you to
owe
any
our affiliated
or companies
their successors.
to set off. You also agree that this right to set off may be exercised with respect to your property in our possession against any sums you owe any of our affiliated banks or companies or their successors.
We also have the right to set off against any of your joint accounts (regardless of who placed the funds in said accounts), at any time without notifying you in advance, to pay any debt which is due that you or any joint
We also
haveus.
theInright
to set we
off also
against
any
ofright
yourto
joint
(regardless
of tenants
who placed
the fundsaccounts
in said accounts),
atindividual
any time without
notifying
advance,
to pay
any debt
which
is due
or any
jointof
tenant
owes
addition,
have
the
setaccounts
off against
any of your
by entireties'
to pay any
debt which
is dueyou
thatinyou
owe us.
Further,
we also
have
the that
rightyou
to set
off any
tenant
owes us. or
In addition,
we also
have (regardless
the right to set
off against
of yourintenants
by entireties'
accounts
pay firm,
any individual
is due that
youus.
oweGarnishments
us. Further, we
also either
have the
rightjoint
to set
off anyare
of
your partnership
joint venture
accounts
of who
placed any
the funds
said accounts),
for any
amounttoyour
partner, ordebt
anywhich
joint venturer
owes
against
or both
owners
your partnership
or joint
venture
accounts
of whoprovided
placed the
in said
any amountnotice
your firm,
subject
to our security
interest
and
our right(regardless
to set off. Notice
by funds
us to any
oneaccounts),
joint ownerfor
is considered
to all.partner, or any joint venturer owes us. Garnishments against either or both joint owners are
subject to our security interest and our right to set off. Notice provided by us to any one joint owner is considered notice to all.
7. FEES
7.
YouFEES
agree to pay the service fees described in the Personal/Business Account Fee Schedule and truth in savings disclosure. Those fees may be deducted from your account without prior notice to you. We will not be
You agree
pay thechecks
serviceorfees
described
in the
Personal/Business
AccountofFee
Schedule
in savingsbalance
disclosure.
Those
fees may
deducted
from your
account
without
prior notice
you.
will not be
liable
if we to
dishonor
other
withdrawal
orders
because the deduction
such
fees hasand
lefttruth
an insufficient
in your
account.
Yoube
grant
us a security
interest
in your
accounts
for anytoand
all We
indebtedness
liable ifbywe
dishonor
checks or
other
withdrawal
orders
theincluding
deduction
of service
such fees
left an insufficient
balance
in your
account.
grant
security
interest in your
accounts
for any
indebtedness
owed
you
to us, however
and
whenever
incurred
or because
evidenced,
any
feehas
or charges
to the account.
If you
issue
a checkYou
drawn
onus
usaand
a non-customer
of the
Bank seeks
to and
cashall
the
check at the
owed
to us,
however
whenever
incurred
evidenced,
anycheck.
serviceThis
fee fee
or charges
the account.
you issue
a check
drawn
us and
a check.
non-customer of the Bank seeks to cash the check at the
bank, by
we you
reserve
the
right to and
charge
a service
fee as or
a condition
of including
cashing the
helps ustocover
additionalIfcosts
and risks
involved
in on
cashing
the
bank, we reserve the right to charge a service fee as a condition of cashing the check. This fee helps us cover additional costs and risks involved in cashing the check.
8. POWER OF ATTORNEY
8.
ATTORNEY
YouPOWER
can giveOF
another
person the right to act on your behalf in making transactions on your accounts. You must provide us with a valid power of attorney in order to add the agent to your account. If there is more than
You account
can giveowner,
anotherwe
person
the right
toconsent
act on your
in making
on your accounts.
YouWe
must
us to
with
a upon
valid power
of attorney inuntil
order
add the(A)
agent
to your
account.
If there
is more than
one
may require
the
of allbehalf
account
ownerstransactions
to your appointment
of an Agent.
mayprovide
continue
rely
such authorization
wetoreceive:
written
revocation
of the
authorization
(B)
one
account
owner,
we may
require
the consent
allcourt
account
owners
to your
of of
anthe
Agent.
Weowner
may continue
to rely upon
such
authorization until we receive: (A) written revocation of the authorization (B)
actual notice of the death
of the
account
owner orof(C)
order
regarding
the appointment
incompetence
account
and appointment
of the
guardian.
actual notice of the death of the account owner or (C) court order regarding the incompetence of the account owner and appointment of the guardian.
9. ESCHEAT
9.your
ESCHEAT
If
account remains inactive (no deposits, withdrawals or customer contact) for three (3) years, under state law, we are required to turn over the balance in the account to the state as abandoned property. We may
If
your account
inactive
(no deposits,
withdrawals
or customer
contact)
forPersonal/Business
three (3) years, under
stateFee
law,Schedule
we are required
to turn over
the balance in the account to the state as abandoned property. We may
charge
a fee to remains
your account
for handling
abandoned
property.
Please refer
to the
Account
for the applicable
fee.
charge a fee to your account for handling abandoned property. Please refer to the Personal/Business Account Fee Schedule for the applicable fee.
10. CHANGE OF TERMS
10.
CHANGE
We can
changeOF
theTERMS
terms of this Agreement and the services we provide at any time, for any reason. We can also change the fees in the Personal Account Fee Schedule at any time for any reason. We will notify you
Wemail
canat
change
the
terms of
this Agreement
and the
at any
time,
fordays
any reason.
Weifcan
change
the fees in the
Personal family
Account
Schedule
anybusiness
time for any
reason. We will notify you
by
the last
address
shown
in our records.
Theservices
change we
will provide
be effective
thirty
(30)
after notice
youralso
account
is maintained
for personal,
or Fee
household
useat(non
account).
by mail at the last address shown in our records. The change will be effective thirty (30) days after notice if your account is maintained for personal, family or household use (non business account).
We reserve the right to waive the enforcement of any of the terms of this Agreement with respect to any transaction. Any such wavier will not affect the enforcement of any of our rights with other customers, or the
We reserve the
rightoftoour
waive
the
of anywith
of the
this
Agreement
with respect
to any
transaction.
Any
such wavier
will notoraffect
the
enforcement
of our
with
customers,
the
enforcement
of any
rights
onenforcement
later transactions
you.terms
The of
fact
that
we may enforce
or waive
our rights
does not
obligate
us to enforce
waive
similar
rights in of
theany
future.
Norights
waiver
willother
change
the termsorand
enforcement
of our rights on later transactions with you. The fact that we may enforce or waive our rights does not obligate us to enforce or waive similar rights in the future. No waiver will change the terms and
conditions
of of
theany
Agreement.
conditions of the Agreement.
Page 1
Page 1
4
rev: 08-15
rev: 08-15
depagr-1
depagr-1
11. LEGAL PROCEEDINGS
11.
LEGAL
If
any
of yourPROCEEDINGS
accounts are garnished, or otherwise subject to levy by legal action; we will not be liable to you for any sums we may be required to pay because of such proceedings. When your accounts are subject to a
If
anyproceeding,
of your accounts
are
garnished,
or listed
otherwise
to levy by legal
action;Fee
we will
not be in
liable
to you for
we mayThis
be required
to pay
because
of such proceedings.
When yourprior
accounts
subject with
to a
legal
we will
impose
the fee
in thesubject
Personal/Business
Account
Schedule
responding
toany
the sums
legal action.
fee will be
deducted
automatically
from your account(s)
to ourare
complying
legallegal
proceeding,
we will prior
impose
the fee
listedAny
in the
Personal/Business
Fee Schedule
in responding
action.
feeoffwilland
be security
deductedinterest.
automatically
from your
account(s)
prior
complying
with
the
action without
notice
to you.
garnishment
or other Account
levy against
your account
is subject totothe
thelegal
bank's
right This
of set
All expenses
incurred
by us
as to
a our
result
of any legal
the legal action
without
noticeincluding,
to you. Any
garnishment
other
levyand
against
yourfees,
account
the bank's
of set
off and
interest. This
All expenses
us as between
a result of
proceeding
affecting
yourprior
account,
but not
limited to, or
court
costs
attorney
may is
besubject
chargedtoagainst
your right
account
or billed
to security
you separately.
obligation incurred
includes by
disputes
youany
andlegal
the
proceeding
affecting
your account,
including,
butthe
notBank
limited
to, court
costs and
attorneybetween
fees, may
charged
against your
account
orjoint
billed
to youorseparately.
obligation
includes
disputes
between you and the
Bank involving
the account
and situations
where
becomes
involved
in disputes
youbeand
an authorized
signer,
another
owner,
a third partyThis
claiming
an interest
in the
account.
Bank involving the account and situations where the Bank becomes involved in disputes between you and an authorized signer, another joint owner, or a third party claiming an interest in the account.
12. CLOSING YOUR ACCOUNT
12. CLOSING
ACCOUNT
You
can close YOUR
your account
by withdrawing all collected funds in the account at any time and notifying us in writing of your desire to close the account. We may deduct an early account closing fee as listed in the
You can close yourAccount
accountFee
by withdrawing
all collected
funds
in the account
at any
writing
of your
to to.
close
thedo
account.
anyour
earlylast
account
closing
fee
listed
in the
Personal/Business
Schedule provided
with this
Disclosure.
We also
can time
closeand
yournotifying
accountus
forinany
reason,
if wedesire
choose
If we
this, weWe
will may
mail deduct
to you at
address
shown
onas
our
records
a
Personal/Business
Schedule
provided
thisaccount
Disclosure.
Wewill
also
close your
account
any reason,
choose
to. If we
do this,deposits
we will mail
to youtoatthe
your
last address
our to
records
notice and check forAccount
the finalFee
ledger
balance.
Noticewith
to any
holder
be can
considered
notice
to all for
account
holders.if we
When
we refuse
to accept
or credits
account,
we willshown
not beon
liable
you fora
notice so.
andShould
check for
the final be
ledger
balance.
any
account holder
will be considered
notice
tolater
all account
holders.
When we
refuse will
to accept
deposits
theconditions
account, in
wethis
willDisclosure.
not be liable to you for
doing
an account
closed
at any Notice
time bytothe
withdrawal
of the balance
of the account
and
reopened,
the reopened
account
be subject
to all or
thecredits
terms to
and
doing so. Should an account be closed at any time by the withdrawal of the balance of the account and later reopened, the reopened account will be subject to all the terms and conditions in this Disclosure.
13. TRANSFERABILITY
13. TRANSFERABILITY
Ownership
of the account is non-transferable except on our books and records. In order to transfer title or to pledge the account as collateral for a loan from someone other than us, a written request must be provided
Ownership
of the account
non-transferable
except on
books
and
records.
In order
to right
transfer
titleofforand
to pledge
the
account as collateral for a loan from someone other than us, a written request must be provided
on
a form approved
by us. isAny
pledge of the account
to our
a third
party
remains
subject
to our
to set
security
agreement.
on a form approved by us. Any pledge of the account to a third party remains subject to our right to set off and security agreement.
14. HOLDS AND FREEZES
14. HOLDS
FREEZES
Any
party onAND
the account
can place a hold on all funds in the account either orally or in writing. An oral request for a hold will remain in effect for twenty-four (24) hours. A written hold will remain in effect for six (6)
Any partyOnly
on the
holdhold
on all
funds
in the
either your
orallyaccount
or in writing.
An oral
request
hold
willtoremain
in additional
effect for twenty-four
(24) hours.
written
holdtowill
remainany
in effect
six the
(6)
months.
theaccount
person can
who place
placeda the
can
release
it. Ifaccount
you request
be placed
on hold,
youfor
willa be
able
deposit
funds; however,
you willAnot
be able
withdraw
fundsfor
from
months.
Only
personIfwho
release
If you you
request
your
be placed
on hold,foryou
be ableA to
deposit
additional
funds;in however,
you will
able tobeing
withdraw
any unpaid
funds from
account for
anythe
reason.
you placed
requestthe
thathold
yourcan
account
beit.frozen,
will not
beaccount
able to use
your account
anywill
reason.
hold
or freeze
may result
a check drawn
onnot
thebe
account
returned
and the
you
account
for any reason.
you request
that your
account
beincluding
frozen, you
will not be able item
to use
your account for any reason. A hold or freeze may result in a check drawn on the account being returned unpaid and you
will
be responsible
for anyIf such
loss resulting
from
the hold,
overdraft/returned
fees.
will be responsible for any such loss resulting from the hold, including overdraft/returned item fees.
15. WITHDRAWALS
15. WITHDRAWALS
Withdrawals
will first be made from collected funds and we may, unless prohibited by law or our written policy, refuse any withdrawal request against uncollected funds even if our general practice is to the contrary.
Withdrawals
willPart
firstBbe
madeAvailability"
from collected
funds
and we may,
by law
or our
written
policy, refuse
anywhich
withdrawal
request
against
uncollected
funds
even ifdoes
our not
general
practice
the contrary.
Please
refer to
"Funds
for an
explanation
of ourunless
policy.prohibited
The fact that
we may
honor
withdrawal
requests
overdraw
the finally
collected
account
balance
obligate
us to isdotoso.
Please refer to Part B "Funds Availability" for an explanation of our policy. The fact that we may honor withdrawal requests which overdraw the finally collected account balance does not obligate us to do so.
Limits on the amount or frequency of withdrawals from an account are detailed in the Personal/Business Account Fee Schedule provided to you at the time the account was opened. We reserve the right to refuse any
Limits on the
frequency
of withdrawals
an account
in the
Personal/Business
Fee less
Schedule
provided
to you
at the time
the accountwhich
was opened.
reserve
the right
any
withdrawal
oramount
transferorrequest
which
is attemptedfrom
by any
method are
not detailed
specifically
permitted,
which is forAccount
an amount
than any
minimum
withdrawal
requirement,
is not onWe
a form
approved
bytousrefuse
or which
withdrawal
orfrequency
transfer request
which is attempted by any method not specifically permitted, which is for an amount less than any minimum withdrawal requirement, which is not on a form approved by us or which
exceeds any
limitations.
exceeds any frequency limitations.
* We reserve the right to at any time require not less than seven (7) days notice in writing before any withdrawal from an interest bearing account.
* We reserve the right to at any time require not less than seven (7) days notice in writing before any withdrawal from an interest bearing account.
16. FINAL PAYMENT
16. non-cash
FINAL PAYMENT
All
items (for example, checks) deposited to your Account are posted subject to our receipt of final payment by the payor bank. Upon receipt of final payment, the item becomes a collected item. If final
All
non-cash
items
(for example,
checks)
to yourorAccount
arecharged
posted back
subject
to our
receipt
of final
of final
payment,
the item
a collected
item. Ifoffinal
payment
is not
received
or if any item
you deposited
have deposited
cashed is
to us
for any
reason,
youpayment
authorizebyusthe
to payor
chargebank.
any ofUpon
your receipt
Accounts,
without
prior notice
andbecomes
at any time,
for the amount
the
payment item,
is notour
received
or item
if anyfee,
item
you
have deposited
oritem,
cashed
charged
backwetopay
us for
any reason,
you authorize
to charge
Accounts,
without
prior notice and at any time, for the amount of the
returned
returned
any
interest
paid on that
andisany
other fee
or incur.
We reserve
the right us
to refuse
any any
itemofforyour
deposit
into your
Account.
returned item, our returned item fee, any interest paid on that item, and any other fee we pay or incur. We reserve the right to refuse any item for deposit into your Account.
17. NOTICE OF WIRE TRANSFER DEPOSITS
17. NOTICE
OF WIRE
You
agree to waive
any TRANSFER
right that youDEPOSITS
may have to receive notice of a deposit to any of your accounts made by a wire transfer. You agree to waive these rights to the extent permitted by law.
You agree to waive any right that you may have to receive notice of a deposit to any of your accounts made by a wire transfer. You agree to waive these rights to the extent permitted by law.
18. STATEMENTS AND ACCOUNT ACTIVITY DOCUMENTATION
18.
STATEMENTS
AND
ACCOUNT ACTIVITY
DOCUMENTATION
If
you
have signed up
for eStatements,
your statements
will be posted online for your review and we will send you notice that your statement has posted to the email address you provided. You agree to maintain and
If you have
up foraddress
eStatements,
be posted
online
for your inform
review us
andif we
youtonotice
has posted
to the email
you including
provided.your
Youaccount
agree tostatement
maintain and
provide
us asigned
valid email
for ouryour
usestatements
to provide will
notices
and will
immediately
youwill
aresend
unable
openthat
andyour
readstatement
any electronic
communication
or address
information,
and
provide us
valid
email
forprovide
our useustowith
provide
notices
and will immediately
inform
us if notice
you are
unable
to in
open
read
any electronic
communication
or information,
including
your account
statement
and
notices.
In a
the
event
thataddress
you fail to
a valid
email address
or fail to provide
us with
of a
change
yourand
email
address,
you are responsible
for reviewing
your account
statement
online.
We will post
notices.
In the event
youon
failatocertain
provide
us with
emailtoaddress
fail to
provide
us with
a change
in your
email address,
you
are month.
responsible
for reviewing
your account
statement online.
We account
will post
your
statement
each that
month
date.
Youa valid
will need
accessor
your
online
account
to notice
verify of
which
date your
statement
will post
each
By opening
an account
you acknowledge
that your
your statement
each month
a certain
date.
You responsibility
will need to access
your
account
to verify
which
date yourof statement
each month.
an account
you has
acknowledge
statement
is available
to you on
online
and that
it is your
to review
thisonline
account
statement
monthly
regardless
whether orwill
notpost
you receive
notice By
thatopening
your account
statement
posted. that your account
statement is available to you online and that it is your responsibility to review this account statement monthly regardless of whether or not you receive notice that your account statement has posted.
19. STOP PAYMENTS
19. STOP
PAYMENTS
You
can request
us to stop payment of an authorized payment (ACH) or check which you have written. You can do this in writing or call us via phone. To do this, you will need to give us your account number, the check
You
can date
request
to stopofpayment
of an authorized
payment
(ACH)
or check
which you have
do this
writing
call us
To do this, you
will needrequested
to give usregarding
your account
number,
the not
check
number,
andusamount
the check/ACH
and the name
of the
payee.
If the information
givenwritten.
to us isYou
notcan
correct,
or ifinyou
fail or
to give
usvia
anyphone.
other reasonable
information
the item,
we will
be
number, dateif and
amount
of to
thestop
check/ACH
namethe
of the
thetoinformation
given
to us iswhether
not correct,
or payment
if you failorder
to give
usbe
any
other reasonable
requested
regarding
the
item,
we will legally
not be
responsible
we are
unable
payment.and
Wethe
reserve
rightpayee.
to takeIf up
24 hours to
determine
a stop
can
executed.
If we haveinformation
already cashed
the item
or if we
are
otherwise
responsible
weitems
are unable
to stop
payment.
reserve
right
to take up
toyour
24 hours
to determine
whether
a stop payment
can beonexecuted.
If we
haveare
already
cashed
item or
if we
areunless
otherwise
legally
obligated
forifthe
payment
at the
time weWe
receive
yourthe
stop
payment,
then
stop payment
order
is ineffective.
Oral stoporder
payments
checks and
ACHs
only valid
for the
fourteen
(14)
days,
we receive
obligated
for
the
items
payment
at
the
time
we
receive
your
stop
payment,
then
your
stop
payment
order
is
ineffective.
Oral
stop
payments
on
checks
and
ACHs
are
only
valid
for
fourteen
(14)
days,
unless
we
receive
written confirmation of your stop payment and have the opportunity to process it within this 14 day period. We are not liable for any loss or expense you may incur as a result of the 14 day stop payment expiring if we
written
confirmation
of your
stop payment
and have
the opportunity
process order
it within
this 14
period.
We are
not liable
for any loss
or expense
youare
may
incur as
result
of the A
14written
day stop
payment
expiring
if we
do
not receive
and have
reasonable
opportunity
to process
the stoptopayment
within
theday
14 day
period.
Written
stop payment
orders
on checks
effective
fora six
months.
stop
payment
order on
a
do not receive
and
have reasonable
opportunity
stop payment
order
within
the 14order
day period.
Written
stopispayment
effective
for six months.
written stop that
payment
order onthe
a
one-time
ACH is
effective
until the one-time
ACHtoisprocess
properlythe
returned.
A written
stop
payment
on all future
ACHs
effectiveorders
for twoon(2)checks
years.are
You
must provide
us writtenAconfirmation
you notified
one-time
is effective
one-time ACH
properly to
returned.
A written
stop account.
payment You
ordermay
on renew
all future
ACHs
is effective
(2) years.
YouYou
must
provide
us written
confirmation
thatthe
you
notified
the
merchant ACH
that you
revoked until
yourthe
authorization
to theismerchant
debit ACHs
from your
a stop
payment
order for
for two
checks
and ACHs.
will
be charged
the applicable
fee for
stop
payment
merchant
yourequest.
revokedEach
yourrenewed
authorization
the merchant
to debit
ACHs
from
your account.
You
may renew
stop
payment order for checks and ACHs. You will be charged the applicable fee for the stop payment
at
the timethat
of the
stop to
payment
is treated
as a new
stop
payment
order and
another
fee willa be
charged.
at the time of the request. Each renewed stop payment is treated as a new stop payment order and another fee will be charged.
You agree to hold us harmless and indemnify us for any and all expenses and liability which we might incur if we pay an item on which you have ordered a stop payment, provided that we have exercised ordinary care.
You agree
to hold
usifharmless
for any
and a
liability
whichtransfer)
we mightdue
incur
if we pay anfunds,
item on
which
you have
orderedbecause
a stop payment,
that (or
we made
have exercised
care.
You
also agree
that
we returnand
anyindemnify
other itemusdrawn
byand
youall
(orexpenses
do not make
requested
to insufficient
which
situation
is caused
we have provided
paid an item
a transfer)ordinary
on which
you
You requested
also agreeathat
we returnyou
anywill
other
by for
yousuch
(or do
not make a requested transfer) due to insufficient funds, which situation is caused because we have paid an item (or made a transfer) on which you
had
stopif payment,
notitem
holddrawn
us liable
action.
had requested a stop payment, you will not hold us liable for such action.
A stop payment order will be accepted from any owner of the joint account no matter who signed the check or authorized the ACH and written notification may be sent to all other owners. If you buy a cashier's check or
A stop payment
accepted
fromthe
anyright
owner
of the
joint account
no matter
who
signed the
or authorized
ACH
andunless
writteninnotification
be sent
allOnly
otherthe
owners.
you originally
buy a cashier's
or
treasurer's
checkorder
fromwill
us,be
you
do not have
to stop
payment
to a third
party. A
revocation
of acheck
stop payment
orderthe
is not
valid
writing andmay
delivered
toto
us.
personIfwho
placedcheck
the stop
treasurer's
check
us, you
payment order
canfrom
revoke
it. do not have the right to stop payment to a third party. A revocation of a stop payment order is not valid unless in writing and delivered to us. Only the person who originally placed the stop
payment order can revoke it.
If we credit your account after paying a check or ACH over a valid and timely stop payment order, you agree to do two things: (1) you will transfer to us all of your rights against the payee or other holder of the check,
If we(2)
credit
your
after
paying
check or
ACH
overlater
a valid
and
assist
us account
if we take
legal
actionaagainst
that
person
on.and timely stop payment order, you agree to do two things: (1) you will transfer to us all of your rights against the payee or other holder of the check,
and (2) assist us if we take legal action against that person later on.
20. POST DATED CHECKS
20. POST
DATED
CHECKS
You
agree not
to date
a check later than the date that you write it. We are not responsible if we charge an otherwise properly payable, but postdated check against your account before the indicated date.
You agree not to date a check later than the date that you write it. We are not responsible if we charge an otherwise properly payable, but postdated check against your account before the indicated date.
21. CHANGE OF ADDRESS
21.
CHANGEthat
OF you
ADDRESS
It
is important
notify us immediately if there is a change in either your mailing address or if you receive electronic notifications from us, your email address.
It is important that you notify us immediately if there is a change in either your mailing address or if you receive electronic notifications from us, your email address.
22. CLEARING CHECKS
22. CLEARING
CHECKS
According
to current
federal or state regulations, we may reserve the right
According
currentAvailability"
federal or for
state
regulations,
we may reserve the right
see
Part B,to"Funds
complete
details.
see Part B, "Funds Availability" for complete details.
If we do not cash an item for you or allow you to withdraw some or all of
If we do and,
not cash
an item for
you or
allow you
withdraw some or all of
returned
if necessary,
require
a refund
fromtoyou.
returned and, if necessary, require a refund from you.
to clear checks and other noncash items, such as ACH's or wire transfers, you deposit before we make the money available to you. Please
to clear checks and other noncash items, such as ACH's or wire transfers, you deposit before we make the money available to you. Please
the money it represents before it is paid and it is not paid for any reason, we will charge your account immediately after the unpaid item is
the money it represents before it is paid and it is not paid for any reason, we will charge your account immediately after the unpaid item is
23. RESPONSIBILITY FOR THE BACK OF CHECKS
23. RESPONSIBILITY
FOR
CHECKS
You
agree that we will not
be THE
liableBACK
to youOF
because
an item that you deposit in your account is returned after the time set by applicable law if the delay in returning the item is caused by markings on the item in the space
You agreefor
that
will not bebank's
liable to
you because
an were
item that
youbydeposit
is returned
after
byto
applicable
lawloss
if the
in returning
thewithout
item islimitation,
caused byreasonable
markings on
the item
in the
reserved
thewe
depository
endorsement
that
made
you orina your
prioraccount
endorser.
Similarly,
youthe
willtime
be set
liable
us for any
or delay
expense,
including
attorney
fees,
wespace
incur
reserved
for are
the unable
depository
bank's return
endorsement
were
by you within
or a prior
endorser.
be liable
to usin for
any loss
or expense,
including
limitation,
fees, wefor
incur
because we
to properly
an item that
drawn
on made
your account
the time
set by Similarly,
applicableyou
lawwill
where
the delay
properly
returning
the item
is causewithout
by marking
on thereasonable
item in theattorney
space reserved
the
because webank's
are unable
to properly
anatitem
on issued
your account
within the time set by applicable law where the delay in properly returning the item is cause by marking on the item in the space reserved for the
depository
endorsement
thatreturn
existed
the drawn
time you
the item.
depository bank's endorsement that existed at the time you issued the item.
Customer endorsements must be placed in the one and a half inch area starting on the reverse side of the check from the right side. The remaining area of the check cannot contain any preprinted, stamped or
Customer endorsements
must be placed in the one and a half inch area starting on the reverse side of the check from the right side. The remaining area of the check cannot contain any preprinted, stamped or
handwritten
customer information.
handwritten customer information.
24. CHECK LEGENDS
24. may
CHECK
LEGENDS
We
disregard
information on any check or item other than the signature of the drawer, the identification of the drawee financial institution any payee, the amount, the endorsements, and any other information that
We may on
disregard
information
on any check
or not
itemresponsible
other than to
thetake
signature
thetoidentification
the drawee
financial
institution
any payee,
theitems,
amount,
the endorsements,
and
other
information
that
appears
the MICR
line. In addition,
we are
action of
on,the
or drawer,
for failure
notify you ofofrestrictive
language
placed
on checks
or other
including
but not limited
to any
terms
such
as, "Void after
appears
on"Paid
the MICR
line."Two
In addition,
we are
not responsible
to take
action
on, or for
failure to notify
you of restrictive
language placed
checks or most
other checks
items, including
not limited
to terms such
as, automated
"Void after
90 Days",
in Full",
Signatures
Required",
"Void Over
$100"
or similar
statements.
In accordance
with reasonable
bankingonstandards,
and otherbutitems
are processed
through
90 Days", "Paid
in Full",in "Two
Required",
Over $100"
oritems
similar
In accordance
with agree
reasonable
standards,
most
checks
and other
are processed
through
automated
processing
and, except
limitedSignatures
circumstances
and in "Void
our discretion,
most
arestatements.
not individually
examined. You
that webanking
act within
reasonable
banking
standards
byitems
processing
most checks
and other
items
processing
and, except
in limited
circumstances
in our
discretion,
most items legends
are not individually
agree
that
act agreed
within reasonable
standards
by processing most checks and other items
through
automated
processing
systems.
We mayand
agree
to adhere
to extraneous
if you notifyexamined.
us of such You
legends
and
wewe
have
in writing tobanking
honor such
legends.
through automated processing systems. We may agree to adhere to extraneous legends if you notify us of such legends and we have agreed in writing to honor such legends.
25. NO SIGHT-REVIEW OF DRAWER SIGNATURES
25.
SIGHT-REVIEW
OFordinary
DRAWER
You NO
agree
that we exercise
careSIGNATURES
in paying an item even if our procedures do not provide for sight-review or provide for sight-review only for items above a threshold level, or on a sample basis, at our discretion.
Youreserve
agree that
exercise
ordinary care
in paying
an itembecause
even if our
doan
notautomated
provide for
sight-review
provide
sight-review only for items above a threshold level, or on a sample basis, at our discretion.
We
the we
right
not to sight-review
drawer
signatures
we procedures
pay items on
basis
to reduceorcosts
for for
all customers.
We
reserve
right
not tosignature
sight-review
signatures
we payyou
items
on an automated
basis
to previously
reduce costs
for all
If
you
did notthe
sign
a paper
carddrawer
with the
opening because
of this account,
authorize
us to review
items
drawn
oncustomers.
this account for the purpose of sight-review of your signature.
If you did not sign a paper signature card with the opening of this account, you authorize us to review items previously drawn on this account for the purpose of sight-review of your signature.
26. CHECK SAFEKEEPING
26. CHECK
SAFEKEEPING
Check
safekeeping
may apply to your account. If so, we will give you additional information about the safekeeping service. We will hold all safe kept checks for ninety (90) days after we receive them. After that time,
Check
may apply
to your
weofwill
givecheck
you additional
about
safekeeping
service.
We will hold all safe kept checks for ninety (90) days after we receive them. After that time,
we will safekeeping
destroy the original
checks
andaccount.
will retainIfaso,
copy
each
for seven information
(7) years from
thethe
date
that the check
is paid.
we will destroy the original checks and will retain a copy of each check for seven (7) years from the date that the check is paid.
27. DORMANT ACCOUNTS
27. DORMANT
Your
account willACCOUNTS
be considered dormant if for twenty-four (24) consecutive months you do not make a deposit/withdrawal or contact us regarding your account. You will be charged a dormant account fee as specified
Your
will be considered
if for twenty-four (24) consecutive months you do not make a deposit/withdrawal or contact us regarding your account. You will be charged a dormant account fee as specified
in
theaccount
Personal/Business
Accountdormant
Fee Schedule.
in the Personal/Business Account Fee Schedule.
Page 2
Page 2
5
rev: 08-15
rev: 08-15
depagr-2
depagr-2
28. NOTICES
28.
The NOTICES
following terms apply to notices relating to your Account. (a) Notice of Amendments. You agree that the terms and conditions of the Agreement including, without limitation, all rates, fees and charges, may be
The following
terms
relating
to your
(a) Notice
of Amendments.
Youlaw.
agree
thatcontinued
the termsuse
andofconditions
of the
Agreement
without
all rates,
fees andby
charges,
maylaw.
be
amended
by us
fromapply
time to
to notices
time. We
will notify
youAccount.
of amendments
as required
by applicable
Your
the Account
evidences
yourincluding,
agreement
to anylimitation,
amendments
as required
applicable
amended
by us use
fromoftime
to time. evidences
We will notify
of amendments
as required by
applicable
continued
use address
of the Account
evidences
to any amendments
as required
by applicable
law.
Your continued
the Account
youryou
agreement
to any amendment.
Notices
will belaw.
sentYour
to the
most recent
or email
address, your
if youagreement
receive electronic
notifications from
us, shown
on our records
Your
continued
useOnly
of the
Account
your
anyaccount
amendment.
Notices
will be sent
to the most
recent
address
or or
email
address,
if you receive
electronic
notifications
fromtous,
shown
onwriting
our records
for your
Account.
one
notice evidences
will be given
in agreement
the case oftojoint
holders.
(b) Account
Changes.
Any
account
holder
person
authorized
to sign on
an account
is required
notify
us in
if any
for
your holder
Account.
Only person
one notice
will be to
given
of joint
holders.
(b) Account
account to
holder
person
authorized
on Account
an account
is required
us in writing
if any
account
or other
authorized
signinonthe
ancase
account
diesaccount
or is declared
incompetent
by aChanges.
court. We Any
are required
honororitems
drawn
only on to
thesign
listed
name.
Further,towenotify
are required
to attempt
account
holder orwith
other
to signaddress
on an account
or is declared
incompetent
by notifications
a court. We are
honor
itemsus.
drawn only on the listed Account name. Further, we are required to attempt
to communicate
youperson
only atauthorized
the most recent
or emaildies
address,
if you receive
electronic
fromrequired
us, that to
you
provided
to communicate with you only at the most recent address or email address, if you receive electronic notifications from us, that you provided us.
29. NOTICE REQUIREMENTS
29.
NOTICE
REQUIREMENTS
Federal
regulations
require us to retain the right to require you to give at least seven (7) days notice in writing prior to any intended withdrawal from a savings, negotiable order of withdrawal ("NOW"), or money
Federal
regulations
requirewe
ususually
to retain
right to require
you to
give at
leastonseven
days notice
priormean
to any
from a savings, negotiable order of withdrawal ("NOW"), or money
market account.
Although
paythe
withdrawals
or checks
without
notice
these(7)
accounts,
doinginsowriting
does not
thatintended
we give withdrawal
up this right.
market account. Although we usually pay withdrawals or checks without notice on these accounts, doing so does not mean that we give up this right.
30. COPIES
30.
COPIES
At your
request, we will provide copies of statements, checks, deposit and withdrawal slips or other account records and conduct research on your account. Fees for account research and the production of account
At
your request,
weinwill
copies of statements,
checks,
deposit
slipsrequest
or other
records
andwindow
conduct
on your account.
for account
andyou
thethese
production
of research
account
records
are shown
theprovide
Personal/Business
Account Fee
Schedule
andand
arewithdrawal
payable upon
of account
service at
the teller
or research
may be deducted
from yourFees
account.
We will research
also charge
fees for
records
are
shownprovided
in the Personal/Business
Fee to
Schedule
and are
payableor
upon
request
of service
at the teller
window
or may that
be deducted
fromthe
your
account.
We will also
these
feesthat
for research
done and
records
for your account Account
in response
a summons,
subpoena
other
court or
governmental
agency
requirement
we perform
research
or produce
the charge
recordsyou
to the
extent
payment
done
andperson
records
for your
account
responseortorecords
a summons,
or other court or governmental agency requirement that we perform the research or produce the records to the extent that payment
from the
or provided
organization
requesting
theinresearch
is less subpoena
than the fees.
from the person or organization requesting the research or records is less than the fees.
31. ACTIVITY PRINTOUT
31.
ACTIVITY
A printed
list of PRINTOUT
account activity will be made available upon request. You will receive a complete listing of all account transactions (checks paid, deposits, etc.) from the date of the last regular statement to the date of
A
listThe
of account
be made
upon
request.
You will receive
a complete
listing ofwill
all be
account
transactions
(checks
paid,
date of the last regular statement to the date of
theprinted
request.
accountactivity
historywill
printout
fee, available
as set forth
in the
Personal/Business
Account
Fee Schedule,
assessed
for this list
and may
bedeposits,
deductedetc.)
fromfrom
yourthe
account.
the request. The account history printout fee, as set forth in the Personal/Business Account Fee Schedule, will be assessed for this list and may be deducted from your account.
32. WAIVER
32.
If weWAIVER
fail to exercise any of our rights under these rules, such failure shall not be a waiver of any of our rights. In the event that one or more provisions of these rules shall for any reason be held invalid or illegal, such
If
we failwill
to not
exercise
our rights under
such failure shall not be a waiver of any of our rights. In the event that one or more provisions of these rules shall for any reason be held invalid or illegal, such
holding
affectany
the of
enforceability
of anythese
otherrules,
provision.
holding will not affect the enforceability of any other provision.
33. LIABILITY
33.
LIABILITY
We shall
have no liability for any delays or failure of performance caused in whole or in part by fire, labor disputes, power failure, acts or omissions of civil authorities, civil disturbances, war, computer malfunctions, acts
We
shallorhave
liability
for any
delays
or failure
of performance
caused the
in whole
in part by
fire, these
labor disputes,
omissions
of civiland
authorities,
civilshall
disturbances,
war,
malfunctions,
acts
of God,
any no
causes
beyond
our
control.
You agree
that in performing
dutiesorimposed
under
rules, we power
shall befailure,
liable acts
only or
if grossly
negligent
in no event
we be liable
forcomputer
any consequential,
indirect,
of
or damages.
any causes beyond our control. You agree that in performing the duties imposed under these rules, we shall be liable only if grossly negligent and in no event shall we be liable for any consequential, indirect,
or God,
special
or special damages.
34. ARBITRATION
34. ARBITRATION
The
customer and the Bank agree that, at the request of either party, any and all claims, disputes or controversies between you and us, and any claim by either of us against the other (or the employees, officers,
The
customer
andorthe
Bank of
agree
that, at
theany
request
eitherfrom
party,
any andtoallyour
claims,
disputes
controversies
between you
us, and any
by either
of usother
against
the other
(or the employees,
officers,
directors,
agents
assigns
the other)
and
claim of
arising
or relating
account,
this or
deposit
account agreement,
theand
transactions
on claim
the account
or any
account
you previously,
now or may
later
directors,
assigns oftothe
other) all
and
any claim
arising
from ornot
relating
to your
account,
this deposit
account agreement,
onproceeding,
the accountregarding
or any other
account
now or may
later
have with agents
us, thisor
agreement
arbitrate
disputes,
your
agreement
to bring,
join or
participate
in any purported
class actionthe
or transactions
representative
including
butyou
notpreviously,
limited to collection
of sums
have
with us,
to arbitrate
your agreement
not under
to bring,
or participate
any purported
class
action
or representative
proceeding,
regarding
including
but not as
limited
to matters
collectionsubject
of sums
overdrawn
on this
the agreement
account, alleging
fraudallordisputes,
misrepresentation,
whether
thejoin
common
law or in
pursuant
to federal,
state
or local
statute, regulation
or ordinance,
including
disputes
to the
to
overdrawn
on otherwise,
the account,
alleging
fraud by
or misrepresentation,
whether
under
the common
or pursuant
to federal,
state or("AAA").
local statute,
regulation will
or ordinance,
including
disputesexists
as tobetween
the matters
subject
to
arbitration, or
shall
be resolved
binding individual (and
not joint)
arbitration
by thelaw
American
Arbitration
Association
The arbitrator(s)
decide if any
inconsistency
the Rules
and
arbitration,
or otherwise,
shall
be resolved
by binding
individual
(and notexists,
joint) arbitration
by the
American
Arbitration
Association
("AAA").
The arbitrator(s)
will decide if any inconsistency exists between the Rules and
these arbitration
provisions
contained
herein.
If any such
inconsistency
the arbitration
provisions
contained
herein
will control
and supersede
the Rules.
these arbitration provisions contained herein. If any such inconsistency exists, the arbitration provisions contained herein will control and supersede the Rules.
Except to the extent that federal law preempts state law, the parties agree that the arbitrator(s) shall give effect to the substantive law of the state in which the account is opened, including but not limited to conflicts of
Except
to the extent
thatoffederal
law preempts
statepertaining
law, the parties
agree that
thearbitration
arbitrator(s)
shallingive
effect to the
substantive
lawto
ofarbitration
the state inunder
whichthis
theagreement;
account is provided,
opened, including
not
limited
to conflicts
of
law provisions,
statutes
limitations,
and matters
to the validity
of this
clause
determining
matters
submitted
however,but
that
the
Federal
Arbitration
law
provisions,
statutes
of extent
limitations,
and matters
pertaining the
to the
validity
of State
this arbitration
clause in determining matters submitted to arbitration under this agreement; provided, however, that the Federal Arbitration
Act (Title
9 U.S.C.),
to the
inconsistent,
will supersede
laws
of such
and govern.
Act (Title 9 U.S.C.), to the extent inconsistent, will supersede the laws of such State and govern.
This agreement to arbitrate all disputes shall apply no matter by whom or against whom the claim is filed. Rules and forms of the AAA may be obtained and all claims shall be filed at any AAA office, on the World Wide
This
to arbitrate
disputesatshall
apply no matter
byAmerican
whom or against
whom
the claim Case
is filed.Filing
Rules
and forms
of the
AAAOak
mayRoad,
be obtained
and all
claims shall
filed at08043.
any AAA
office,
on thefees
World
Wide
Web agreement
at www.adr.org,
or by all
telephone
1.877.495.4185,
or at
Arbitration
Association,
Services,
1101
Lauren
Suite 100,
Voorhees,
NewbeJersey
Your
arbitration
may
be
Web
at by
www.adr.org,
telephone
at 1.877.495.4185,
or at The
American
Association,
Case Filing
Lauren
Oak
Road,
Suiteor
100,
New
Jersey
Your
may
be
waived
the AAA in or
theby
event
you cannot
afford to pay them.
cost ofArbitration
any participatory,
documentary,
or Services,
telephone 1101
hearing,
if one
is held
at your
our Voorhees,
request, will
be paid
for08043.
solely by
us arbitration
as providedfees
in the
AAA
waived
by the
in the event
you cannot
afford to
paytake
them.
The at
cost
of any participatory,
documentary,
or telephone
hearing, is
if one
is held
at your
our request,
paid forArbitration
solely by Act,
us as9 provided
in the 1-16.
AAA
Rules and,
if aAAA
participatory
hearing
is requested,
it will
place
a location
near your residence.
This arbitration
agreement
made
pursuant
to aortransaction
bywill
thebe
Federal
USC Sections
Rules
and,upon
if a participatory
hearing
is requested,
it will in
take
a location
near your residence. This arbitration agreement is made pursuant to a transaction by the Federal Arbitration Act, 9 USC Sections 1-16.
Judgment
the award may
be entered
by any party
anyplace
courtat
having
jurisdiction.
Judgment upon the award may be entered by any party in any court having jurisdiction.
TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT YOU WILL NOT BRING, JOIN, OR PARTICIPATE IN ANY PURPORTED CLASS ACTION OR REPRESENTATIVE PROCEEDING AS TO ANY CLAIM,
TO
THE EXTENT
PERMITTED BY
LAW,
AGREE
THAT
YOU
WILL
NOT BRING,
JOIN, OR PARTICIPATE
IN ANY PURPORTED
ACTION YOU
OR REPRESENTATIVE
PROCEEDING
AS TO ANY
CLAIM,
DISPUTE
OR CONTROVERSY
YOU
MAYYOU
HAVE
AGAINST
US,
OUR
EMPLOYEES,
OFFICERS,
DIRECTORS, SERVICERS,
AGENTS CLASS
AND ASSIGNS.
AGREE TO THE ENTRY
OF INJUNCTIVE
RELIEF
TO
DISPUTE
ORACONTROVERSY
YOU
MAY HAVE
AGAINST
US, OUR EMPLOYEES,
OFFICERS,
DIRECTORS,
AGENTS
AND ASSIGNS.
AGREE
TO THE
ENTRY
OF INJUNCTIVE
RELIEF
TO
STOP SUCH
LAWSUIT OR TO
REMOVE
YOU AS
A PARTICIPANT
IN THE SUIT. THIS
AGREEMENT
DOES SERVICERS,
NOT CONSTITUTE
A WAIVER
OF ANY YOU
OF YOUR
RIGHTS
AND
REMEDIES
TO PURSUE
A CLAIM
STOP SUCH A LAWSUIT
REMOVE
YOU AS
A PARTICIPANT
IN THE SUIT.
THIS AGREEMENT
DOES NOT
CONSTITUTE A WAIVER OF ANY OF YOUR RIGHTS AND REMEDIES TO PURSUE A CLAIM
INDIVIDUALLY,
AND NOTOR
AS TO
A CLASS
ACTION,
IN BINDING
ARBITRATION,
OR OTHERWISE,
AS PROVIDED
ABOVE.
INDIVIDUALLY, AND NOT AS A CLASS ACTION, IN BINDING ARBITRATION, OR OTHERWISE, AS PROVIDED ABOVE.
You acknowledge that by submitting to arbitration you are giving up your right to go to court to assert or defend your rights under this Agreement (except for matters that may be taken to small claims court). You are
You
acknowledge
thatwill
by be
submitting
to arbitration
youarbitrator(s)
are giving up
right
to go
to court
assert ordecision
defend your
under this
Agreement
(except
matters
may
be taken
to by
small
claims court). You are
aware
that your rights
determined
by a neutral
andyour
not a
judge
or jury.
An to
arbitrator's
is asrights
enforceable
as any
court order
and isforsubject
to that
a very
limited
review
a court.
aware that your rights will be determined by a neutral arbitrator(s) and not a judge or jury. An arbitrator's decision is as enforceable as any court order and is subject to a very limited review by a court.
35. GOVERNING LAW
35.
This GOVERNING
Agreement willLAW
be interpreted under the laws of the Commonwealth of Pennsylvania (without regard to its choice of law provisions), and, to the extent applicable, the laws of the United States.
This Agreement will be interpreted under the laws of the Commonwealth of Pennsylvania (without regard to its choice of law provisions), and, to the extent applicable, the laws of the United States.
36. ASSIGNABILITY
36.
The ASSIGNABILITY
account established under this Agreement is not assignable or transferable except with our consent. We must approve any pledge of the Account and any such pledge remains subject to any right we have under
The
account established
understate
this Agreement
notIfassignable
with ourwe
consent.
We must
approve to
any
thea Account
and any
suchinpledge
remains
to any
right we have under
the Agreement
and applicable
and federal is
law.
ownershipor
is transferable
proposed to except
be transferred,
may require
the Account
bepledge
closed of
and
new account
opened
the name
of thesubject
transferee
or pledgee.
the Agreement and applicable state and federal law. If ownership is proposed to be transferred, we may require the Account to be closed and a new account opened in the name of the transferee or pledgee.
37. SYSTEMS AND SOFTWARE
37.
SYSTEMS
SOFTWARE
We shall
not be AND
responsible
to you for any loss or damages suffered by you as a result of the failure of systems and software used by you to interface with our system or systems and software utilized by you to initiate
We
shall notbanking
be responsible
to youwhether
for any such
loss or
damages suffered
by you
a result ofdirectly
the failure
systems
andorsoftware
by party
you toservice
interface
with ourYou
system
or systemsthat
andyou
software
utilized
by you to initiate
or process
transactions
transactions
are initiated
oras
processed
withofour
systems
through used
a third
provider.
acknowledge
are solely
responsible
for the
or
processofbanking
transactions
are initiated
or processed
directly
oursystems
systemsand
or software
through atothird
service provider. You acknowledge that you are solely responsible for the
adequacy
systemstransactions
and softwarewhether
utilized such
by you
to process banking
transactions
and the
ability with
of such
do soparty
accurately.
adequacy of systems and software utilized by you to process banking transactions and the ability of such systems and software to do so accurately.
38. ADDITIONAL SERVICES
38.
ADDITIONAL
SERVICES
If your
account is joint,
and if any one of the joint account holders has the authority to sign withdrawal order from the account, then all account holders agree that any one of them may also sign other agreements with us
If
your account
joint, and
if any one
of the
joint account
holders
thesafekeeping.
authority to sign
from
then
all account
holders agree
thatby
any
one than
of them
sign holders.
other agreements with us
relating
to your is
account,
including,
among
others,
agreements
for has
check
Youwithdrawal
agree to beorder
bound
by the
the account,
provisions
of any
such agreements
signed
fewer
all ofmay
thealso
account
relating to your account, including, among others, agreements for check safekeeping. You agree to be bound by the provisions of any such agreements signed by fewer than all of the account holders.
39. ITEM PAYMENT ORDER
39.
ITEMmay
PAYMENT
ORDER
The bank
pay items
presented against your account in any order that it chooses and change its policy from time to time without notice to you. Currently, First National Bank pays checks, ATM, point-of-sale and
The
payorder
items
against
yourto
account
any amount.
order that
chooses
and
change
policy
from
time dollar
to timeamount
withouttonotice
to you.
National
Bank
paysthe
checks,
point-of-sale
ACHbank
itemsmay
in the
ofpresented
highest dollar
amount
lowest in
dollar
Allit other
items
are
paid inits
order
from
lowest
highest
dollarCurrently,
amount. First
You can
find out
about
bank'sATM,
current
policy by and
ACH
items
in
the
order
of highest dollar amount to lowest dollar amount. All other items are paid in order from lowest dollar amount to highest dollar amount. You can find out about the bank's current policy by
contacting us at any time.
contacting us at any time.
A. ACCOUNT MAINTENANCE SERVICE CHARGES
A.
ACCOUNT
MAINTENANCE
SERVICE
Account
Maintenance
Services Charges
areCHARGES
applied to accounts last and will overdraw the account if there are not enough funds to pay these charges. The system will process items presented, in the above order until
Account
Maintenance
Services
applied
accountstolast
overdraw
the account
if there
not enough
funds to pay
charges.
Thetosystem
will process
items
presented,
in the savings
above order
until
all are paid
or until there
are notCharges
enoughare
funds
in thetoaccount
payand
the will
next
item in line.
If there are
not are
enough
funds available,
the these
system
will check
see if there
is another
checking
account,
account,
all
are paid
or until
thereline
areof
not
enough
funds in Services
the account
the next to
item
line.
If there
are of
notthese
enough
funds
available,
system
will check
to seebe
if there
is another
checking
account,
account,
money
market,
personal
credit
or Overdraft
tiedto
to pay
the account
payinthe
items.
If none
options
are
available,the
then
the items
that cannot
paid due
to insufficient
funds
may besavings
returned
and/or
money
market,
personal
line of credit
or Overdraft
tied to
the account
pay theoritems.
If none
areinavailable,
thenofthe
items
that cannot
bethan
paid $100
due tois insufficient
funds
may
be returned
and/or
the account
may
be overdrawn.
Transfers
linked toServices
a checking,
savings,
moneytomarket
personal
lineof
ofthese
creditoptions
are made
increments
$100.
However,
if less
available from
your
funding
account,
we
the
account the
mayfull
beamount
overdrawn.
Transfers
to a balance
checking,
moneyismarket
personal
line ofavailable
credit areinmade
increments
of $100.
However,
if less
than $100
available from
your
funding
account,
will transfer
available.
If thelinked
overdraft
in savings,
your checking
greaterorthan
the amount
your in
funding
account,
the entire
available
amount
will beistransferred.
If the
amount
available
in we
the
will
transfer
the full
amount
available.
If the
balance
in your
greater
than the
amount
in your
funding
account, the
entireinavailable
amount
will and
be transferred.
If the amount
available
in the
funding
account
is used
in full,
Overdraft
andoverdraft
Returned
Item Fees
maychecking
apply to is
the
overdrawn
amount.
All available
transfers are
subject
to availability
of funds
the funding
account
any other applicable
conditions,
such
as
funding
account
is used
Overdraft
and is
Returned
Item
Fees may
the overdrawn
transfersfrom
are lines
subject
to availability
of funds
in the
funding
andAgreement
any other applicable
conditions,
such as
transaction
limitations
if in
thefull,
funding
account
a savings
account
or a apply
moneytomarket
deposit amount.
account. All
Transfers
of credit
are subject
to the
terms
of theaccount
Applicable
and/or Disclosure
Statement,
transaction
limitations
thebe
funding
is a charged
savings on
account
or atransferred.
money market deposit account. Transfers from lines of credit are subject to the terms of the Applicable Agreement and/or Disclosure Statement,
which shall include,
butif not
limitedaccount
to, interest
amounts
which shall include, but not be limited to, interest charged on amounts transferred.
40. INFORMATION ABOUT TYPES OF ACCOUNT OWNERSHIP THAT MAY BE USED WHEN OPENING AN ACCOUNT
40. INFORMATION ABOUT TYPES OF ACCOUNT OWNERSHIP THAT MAY BE USED WHEN OPENING AN ACCOUNT
A. INDIVIDUAL ACCOUNT
A.
INDIVIDUAL
ACCOUNT
An Individual
Account
is an account in the name of one depositor only. Only that person may write checks against the account or withdraw money, regardless of who actually owns the funds.
An Individual Account is an account in the name of one depositor only. Only that person may write checks against the account or withdraw money, regardless of who actually owns the funds.
B. MULTIPLE PARTY ACCOUNTS / JOINT ACCOUNT OWNERSHIP
B.
PARTY
ACCOUNT
OWNERSHIP
ThisMULTIPLE
section pertains
to ACCOUNTS
multiple party/ JOINT
accounts.
An account
with two or more Account Holders is a joint account. Unless you designate otherwise on the signature card, joint Account Holders will be considered joint
This
section
pertains
to multiple party accounts. An account with two or more Account Holders is a joint account. Unless you designate otherwise on the signature card, joint Account Holders will be considered joint
tenants
with right
of survivorship.
tenants with right of survivorship.
1. JOINT TENANTS WITH RIGHT OF SURVIVORSHIP
1.
JOINT
TENANTS
WITH
RIGHT
SURVIVORSHIP
If your
account
is a joint
account
withOF
right
of survivorship, upon the death of one of the joint account holders, that person's ownership interest in the account will immediately pass to the other joint account holder(s).
If your account is a joint account with right of survivorship, upon the death of one of the joint account holders, that person's ownership interest in the account will immediately pass to the other joint account holder(s).
2. TENANCY BY THE ENTIRETIES
2.
TENANCY
THE ENTIRETIES
Tenancy
by theBY
entireties
is a joint account with rights of survivorship strictly held in ownership between spouses. Under state law, certain legal rights are granted by this type of account ownership. If you have any
Tenancy
entireties
is a joint
account
rights you
of survivorship
strictly
ownership
Under
state law, certain
legal
rights
areofgranted
by thisoftype
of account
ownership.
have any
questionsby
asthe
to the
legal rights
of this
type ofwith
account,
should consult
withheld
yourinown
attorneybetween
and youspouses.
bear the sole
responsibility
as to the
legal
effect
the creation
the account.
If your
accountIfisyou
a tenancy
by
questions
as to
the the
legaldeath
rightsofofone
thisoftype
of account,
you should
consultownership
with your own
attorney
you bear
the sole responsibility
to the
legal
effectholder.
of the creation
of the
account.request
If your account
is athis
tenancy
by
the entireties,
upon
the account
holders,
that person's
interest
in theand
account
will immediately
pass to theas
other
joint
account
Unless you
specifically
and check
account
the
entireties,
upon
of one of presume
the account
that account
person'sisownership
interest
in the
immediately pass to the other joint account holder. Unless you specifically request and check this account
ownership
select,
wethe
willdeath
automatically
the holders,
established
solely a joint
tenants
withaccount
right of will
survivorship.
ownership select, we will automatically presume the established account is solely a joint tenants with right of survivorship.
3. JOINT AS TENANT IN COMMON
3.
JOINT
AS TENANT
IN COMMON
If your
account
is joint account
without right of survivorship, upon the death of one of the joint account holders, that person's proportionate ownership interest will pass to the estate of the deceased account holder. Each
If
your
account
is joint account
without of
right
survivorship,
upon
death of the
oneothers
of the to
joint
account
holders,
that person's
ownership
will pass to the estate of the deceased account holder. Each
joint
owner
guarantees
the signatures
theofother
joint owner
andthe
authorizes
endorse
checks
for deposit
if theyproportionate
are payable to
any of theinterest
joint owners.
joint owner guarantees the signatures of the other joint owner and authorizes the others to endorse checks for deposit if they are payable to any of the joint owners.
Each joint account holder, without the consent of any other account holder, may, and hereby is authorized by every other joint account holder, to make any transaction permitted under the Agreement, including without
Each
joint (1)
account
holder,all
without
consent
any other
account
and hereby
is authorized
bytoevery
other
accountwhether
holder, that
to make
any
permitted
under
Agreement,
without
limitation,
to withdraw
or anythe
part
of theof
account
funds,
(2) toholder,
pledgemay,
the account
funds
as collateral
us for
any joint
obligation,
of one
ortransaction
more account
holders
or ofthe
a third
party (3)including
to endorse
and
limitation,
(1) to and
withdraw
or any
part oftothe
account
funds, (2)
to pledge
account
funds asorders
collateral
uscheck
for any
whether
thatbyof that
one account
or more holder
accountorholders
or (5)
of atothird
party
to endorse
deposit checks
otherall
items
payable
any
joint account
holder,
(4) tothe
give
stop payment
on to
any
orobligation,
item, whether
drawn
not, and
close
the(3)
account,
with and
the
deposit
checksofand
otherproceeds
items payable
to any joint
account
holder, holder.
(4) to give
stop
any check to
or act
item,
by that
account
or accept
not, and
(5) toand
close
the account,
with the
disbursement
account
as instructed
by the
joint account
Each
jointpayment
accountorders
holder on
is authorized
forwhether
the otherdrawn
account
holder(s)
andholder
we may
orders
instructions
regarding
the
disbursement
of account
proceeds
as instructed
by there
the joint
account
holder.
Each
joint
account
holderoriswe
authorized
to act for the
other account
holder(s)
and
we may
orders or
and
instructions
regarding
the
account from any
joint account
holder.
If we believe
to be
a dispute
between
joint
account
holders
receive inconsistent
instructions
from the
account
holders,
weaccept
may suspend
close
the account,
require
a
account
from
account
we believe
to be
a dispute
between
accountconcerning
holders or we
court order
to any
act, joint
and/or
requireholder.
that allIfjoint
accountthere
holders
agree
in writing
to anyjoint
transaction
the receive
account.inconsistent instructions from the account holders, we may suspend or close the account, require a
court order to act, and/or require that all joint account holders agree in writing to any transaction concerning the account.
Page 3
Page 3
6
rev: 08-15
rev: 08-15
depagr-3
depagr-3
Your obligations under the Agreement are joint and several. This means that each joint account holder is fully and personally obligated under the terms of the Agreement, including liability for overdrafts and debit
balances as set forth above, irrespective of which joint account holder benefited from the withdrawal. If you establish a joint account without the signature of the other joint account holder(s), you agree to hold us
harmless for our reliance upon your designation of the other joint account holder(s) listed on our documents.
C. CUSTODIAN ACCOUNTS
If you wish to make a gift/transfer of money to a minor, you can do so and name yourself or another adult as custodian to handle the money while the beneficiary is a minor. Interest earned will be reported under the
Tax ID number of the minor; however, it may be taxed at the rate of his or her parents. We will follow the appropriate Uniform Gift/Transfer to Minors Act for this type of arrangement. A gift/transfer of money made in
this manner is irrevocable and conveys to the minor legal title to the custodial property. The custodian has certain powers and duties in relationship to such accounts as prescribed by state law, including the power to
collect, hold, manage, invest and reinvest the custodial property. However, this property held shall be for the exclusive right and benefit of the minor, and will be free from the control or lien of any other person, except
creditors. The property shall be paid, together with interest credited to the account, to the minor when he or she reaches the age of majority. The receipt or release of the minor shall be valid and sufficient release and
discharge to us for any payment so made. We have no obligation to inquire into the purpose of any withdrawal.
D. P.O.D. ACCOUNTS (Maryland, Ohio and West Virginia Only)
A Payable on Death (P.O.D.) Account is an account payable to the account holder during his or her lifetime. As the owner, you may withdraw money from the account and may, by written direction to us change the
P.O.D. payee(s) under the account. When the account holder dies, the account is owned by the P.O.D. payee(s). If the P.O.D. account is held by more than one person, each account holder will be subject to the rules
pertaining to joint account ownership as set forth above. If there is more than one surviving P.O.D. payee, the respective interest of each shall be deemed to be equal shares, unless otherwise stated in the Financial
Institution's deposit account records, and as allowed by applicable state law. If there is no surviving P.O.D. payee upon the death of the owner, state law will determine ownership of the funds in the account.
E. TOTTEN TRUST ACCOUNTS
A Totten Trust is an informal trust account without a written trust agreement. The beneficiary named has no right to any funds in the account during the trustee's lifetime. The account is owned by the trustee. As the
owner of the account, the trustee may withdraw money from the account and may, with written direction to us, change the beneficiary under the account. When the trustee dies, the account is owned by the named
beneficiary. If there is no surviving beneficiary upon the death of the trustee, state law will determine ownership of the funds in the accounts.
F. TRUST ACCOUNTS
If you wish to create a trust for the benefit of a beneficiary, you can open this type of account. The person creating the trust is the grantor of the trust. The beneficiary is the person named in the trust that will benefit
from the trust. The trustee is the person named in the trust who is charged with holding, managing, pledging, investing and reinvesting the funds of the trust, in their sole discretion, for the benefit of the beneficiary. The
funds that the trustee manages are to include earnings on the funds and any future additions to the trust.
We may absolutely rely upon your representation to us, as you may change from time to time, as to who is the beneficiary of the trust.
If there is more than one trustee on the account, the trustees will be joint tenants with the right of survivorship. This means that all the rules of the section titled JOINT ACCOUNTS will apply to transactions in the
account while both joint trustees are alive. If one of the joint trustees should die, all rights to the account, including the right to terminate the trust, will pass to the surviving trustee.
If the trust that is created is a revocable trust, the grantor or grantors, or either of them reserve the right to revoke the trust in part or in full at any time. Any partial or complete withdrawal by the original trustees or any
one of them, if those trustees are also the grantors that created the trust, will be revocation by the grantors to the extent of the withdrawal. No other revocation will be valid unless written notice by both or either of the
grantors is given to us.
Interest earned on a trust account will be reported under the Tax ID Number of the first trustee that is designated on the signature card.
G. SPECIAL INFORMATION ABOUT CREATING JOINT, TRUST OR CUSTODIAL ACCOUNTS
You agree that when you set up a joint account, trust account or custodial account with us, you have instructed us as to the proper title of the account and that we assume no legal responsibility to inform you as to how
the creation of one of these accounts affects your legal interests. If you have any questions as to the legal effects to any of these accounts, you will consult with your own attorney and bear the sole responsibility as to
the legal effect of the creation of the account or how it is maintained with us.
H. CORPORATION OR ORGANIZATION ACCOUNTS
Any properly authorized corporation or organization may open this type of account. The corporate officer or officers of the organization must execute a resolution authorizing the opening of the account. We will need to
have a copy of this resolution on file with the signature card for the account. Withdrawals will be permitted only on the signatures of those authorized specifically on the signature card. The number of signatures
required for withdrawals will be specified on the signature card.
I. PARTNERSHIP OR JOINT VENTURE ACCOUNTS
When you open this type of account, you agree that it will be opened by all of the general partners. The partners are the owners of the account but may designate others to make withdrawals from the account.
Withdrawals will be permitted only on the signatures of those authorized specifically on the signature card. The number of signatures required for withdrawals will be specified on the signature card.
J. SOLE PROPRIETORSHIP ACCOUNTS
With this type of account the proprietor of an unincorporated business is the owner of the account, but may designate others to make withdrawals from the account. Withdrawals will be permitted only upon the
signatures of those authorized specifically on the signature card.
K. FICTITIOUS BUSINESS NAME ACCOUNTS
If the name in which the account is held is fictitious, each account holder represents that one or more of the account holders has the right to use that name and have fulfilled all legal requirements for using and/or doing
business under that name.
41. INFORMATION ABOUT YOUR ACCOUNT
If you voluntarily give information about your deposit account such as our routing number and your account number to a party who is seeking to sell you property or services, or to whom you owe money, and you do not
physically deliver a check to the party, any debit to your account initiated by the party to whom you gave the information is deemed authorized.
42. DEPOSIT RECLASSIFICATION
We will establish on your behalf a master account and two sub-accounts in our internal records. This accounting process does not have any adverse impact on your account balance, statements, interest earned, fees
paid, or FDIC deposit insurance coverage. All information that is made available to you about your account will be at the master account level. The sub-accounts will be comprised of a savings account and a
transaction account. Both sub-accounts will earn the same rate of interest. At the beginning of each statement period, we will allocate funds between the two sub-accounts as deemed appropriate. Checks received by
us that are drawn against your master account will be presented for payment against the transaction sub-account. Funds will be transferred from the savings sub-account to cover checks presented against the
transaction sub-account as needed. On the sixth transfer from the savings sub-account during a given statement period, all the funds on deposit in the savings sub-account will be transferred to the transaction
sub-account.
PART B / FUNDS AVAILABILITY
FUNDS AVAILABILITY
Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit; however, checks drawn on FNB will be available on the evening of your deposit to pay
checks or items that are presented to us that evening for posting. Electronic direct deposits, wire transfers, and cash deposits made to a FNB teller will be available on the day we receive the deposit. Once they are
available, you can withdraw the funds in cash and we will use the funds to pay checks that 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 the branch closes 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 the branch
closes, or on a day we are not open, 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 of the funds that you deposit by check available to you on the first business day after the day of 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.
The first $200 of your deposits, however, may be available on the first business day.
If we are not going to make all of 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 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 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:
* We believe a check you deposited 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.
* There is an emergency, such as failure of communications or computer equipment.
* You have overdrawn your account repeatedly in the last six (6) months.
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. Funds will generally be available no later than the eleventh business day
after the day of your deposit.
SPECIAL RULES FOR NEW ACCOUNT
If you are a new customer, the following special rules may apply during the first thirty (30) days your account is opened.
Funds from the 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, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks
must be payable to you. 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 then U.S. Treasury checks), 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 eleventh business day after the day of your deposit.
HOLD ON OTHER FUNDS (CHECK CASHING)
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 is already in your account. Those funds will be available at the time funds from the
check we cashed would have been available if you had deposited it.
Page 4
7
rev: 08-15
depagr-4
HOLD ON OTHER FUNDS (OTHER ACCOUNTS)
HOLD
ON OTHER
FUNDS
(OTHER
If
we accept
for deposit
a check
that isACCOUNTS)
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
If wehave
accept
deposit
a checkaccount
that is drawn
on another
bank,
weother
may account
make funds
from
thenot
deposit
available
withdrawaluntil
immediately
but delay
your
withdrawina this
corresponding
amount
of funds
that
you
on for
deposit
in another
with us.
The funds
in the
would
then
be available
forfor
withdrawals
the time periods
that
areavailability
described to
elsewhere
disclosure for
the type
of check
you have
on deposit in another account with us. The funds in the other account would then not be available for withdrawals until the time periods that are described elsewhere in this disclosure for the type of check
that
you deposited.
that you deposited.
ATM DEPOSITS
Deposits
must be made before 7:30 p.m. ET on a business day to receive next day availability of the funds. If you make a deposit after 7:30 p.m. ET or on a day we are not open, we will consider that the deposit was
ATM DEPOSITS
made
on the
next
day 7:30
we are
open.
Deposits
must
be business
made before
p.m.
ET on a business day to receive next day availability of the funds. If you make a deposit after 7:30 p.m. ET or on a day we are not open, we will consider that the deposit was
made on the next business day we are open.
MOBILE DEPOSITS
Deposits
must be made before 6:00 p.m. ET on a business day to receive next day availability of the funds. If you make a deposit after 6:00 p.m. ET or on a day we are not open, we will consider that the deposit was
MOBILE DEPOSITS
made
on the
next
day 6:00
we are
open.
The
most you day
maytodeposit
a single
business day
is $2,000.00.
Deposits
must
be business
made before
p.m.
ET on
a business
receiveonnext
day availability
of the
funds. If you make a deposit after 6:00 p.m. ET or on a day we are not open, we will consider that the deposit was
made on the next business day we are open. The most you may deposit on a single business day is $2,000.00.
HOW WE PROCESS TRANSACTIONS ON YOUR ACCOUNT
HOW WE PROCESS TRANSACTIONS ON YOUR ACCOUNT
- First, we add to your balance any credits/deposits that are available (deposits with Holds are not available). Examples of available credits/deposits are posted deposits (including the direct deposit of your pay), funds
available
from
(ATM
and Mobile Banking
deposits),
your
account
(ACH
and wireExamples
transfers),ofonline/telephone
transfers to
account,
refunds
and returned
items.
- First, we
addpending
to your deposits
balance any
credits/deposits
that are
availabletransfers
(depositsinto
with
Holds
are not
available).
available credits/deposits
areyour
posted
deposits
(including
the direct
deposit of your pay), funds
-available
Next, we
subtract
from
your balance
anyMobile
of the Banking
debit items
listed below
in the
following
order: (ACH and wire transfers), online/telephone transfers to your account, refunds and returned items.
from
pending
deposits
(ATM and
deposits),
transfers
into
your account
o we
Miscellaneous
(internal any
debits,
including
certain
automatic
- Next,
subtract fromdebits
your balance
of the
debit items
listed
below transfers);
in the following order:
o Miscellaneous
Stop item charges
and
overdraft/returned
item
fees;
debits (internal debits, including certain automatic transfers);
o Returned
Stop item deposit
chargesitems;
and overdraft/returned item fees;
o Internet
wire transfers;
Returnedbanking
depositand
items;
o Foreign
ATM
fees;
Internet banking and wire transfers;
o Checks,
ATM,fees;
point-of sale (at the time of the initial authorization), and ACH withdrawals (these items are posted to your account in order of highest to lowest dollar amounts);
Foreign ATM
Money market
withdrawals;
o Checks,
ATM, point-of
sale (at the time of the initial authorization), and ACH withdrawals (these items are posted to your account in order of highest to lowest dollar amounts);
o Wire
transfer
Money
marketfees;
withdrawals;
o Account
closing
withdrawals;
Wire transfer
fees;
o Service
Accountcharges;
closing withdrawals;
o Loan
payments;
Service
charges;
o Overdraft
protection fees;
Loan payments;
o Overdraft
Continuous
overdraftfees;
fees; and
protection
o Certain
otheroverdraft
automatic
transfers.
Continuous
fees;
and
- Thisocalculation
provides
us with
your Available Balance.
Certain other
automatic
transfers.
- This calculation provides us with your Available Balance.
PART C / ELECTRONIC FUNDS TRANSFER
These
applicable only to FUNDS
consumer (used
for personal, family or household purposes) deposit accounts.
PARTrules
C /are
ELECTRONIC
TRANSFER
These rules are applicable only to consumer (used for personal, family or household purposes) deposit accounts.
BUSINESS DAYS
For
the purpose
of this disclosure, our business days are Monday through Friday, Federal holidays are not included. Saturday and Sunday are considered Monday's business day.
BUSINESS
DAYS
For the purpose of this disclosure, our business days are Monday through Friday, Federal holidays are not included. Saturday and Sunday are considered Monday's business day.
CONSUMER LIABILITY FOR UNAUTHORIZED TRANSFERS
If
your statement
shows an
electronic
transfer thatTRANSFERS
you did not make, or authorize, tell us AT ONCE by calling 1-800-555-5455 or by bringing your statement with you to a branch office, or by writing to us at the
CONSUMER
LIABILITY
FOR
UNAUTHORIZED
following
addressshows
4140 East
State Street
Hermitage,
PA
If you
not tell us
(60)
days after the statement
was mailed
to you, you
may
get
back any
money
aftertothe
If your statement
an electronic
transfer
that you
did16148.
not make,
or do
authorize,
tellwithin
us ATsixty
ONCE
bycalendar
calling 1-800-555-5455
or by bringing
your statement
with
younot
to a
branch
office,
or bylost
writing
us sixty
at the(60)
days
if weaddress
can prove
that
we State
could Street
have stopped
someone
from making
thenot
transfers
if you sixty
had told
in time. days
If a good
(such as
a long
triptooryou,
hospital
stay)not
kept
from
us,lost
we after
will extend
the(60)
following
4140
East
Hermitage,
PA 16148.
If you do
tell us within
(60)us
calendar
after reason
the statement
was
mailed
you may
getyou
back
anytelling
money
the sixty
time
days period.
if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the
time period.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS
Telephone
usERRORS
at 1-800-555-5455
or write to
us on aYOUR
separate
piece of paper
other than your deposit statement at the address shown on your statement as soon as you can, if you think your statement is wrong or
IN CASE OF
OR QUESTIONS
ABOUT
ELECTRONIC
TRANSFERS
if
you believe
an electronic fund
transfer
has
made without
permission
using
from your
check,
or if you
need
about
your deposit
Telephone
us that
at 1-800-555-5455
or write
to us
onbeen
a separate
piece ofyour
paper
other than
yourinformation
deposit statement
at the
address
shown
onmore
your information
statement as
soonany
as electronic
you can, iftransfers
you thinklisted
your on
statement
is wrong or
account
statement.
must hear
you no
than
sixtywithout
(60) calendar
days after
we sent
you thefrom
FIRST
statement
the problem
or error appeared.
if you believe
that anWe
electronic
fundfrom
transfer
haslater
been
made
your permission
using
information
your
check, oronif which
you need
more information
about any electronic transfers listed on your deposit
1.Tell us
your name
and
account
number.
account
statement.
We
must
hear from
you no later than sixty (60) calendar days after we sent you the FIRST statement on which the problem or error appeared.
2.Describe
thename
error and
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.
1.Tell us your
account
number.
3.Tell
us thethe
dollar
of the
suspected
error.
2.Describe
erroramount
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 ten (10) business days. We will generally complete our investigation within ten (10) business days after we hear
from
will correct
anyrequire
error(s)
promptly.
if we needormore
time in
to writing
investigate
the
transaction
or obtain
we complete
may take our
up to
forty-five (45)
days
(90
days
for transactions
If youyou
tell and
us orally,
we may
that
you sendHowever,
us your complaint
question
within
ten
(10) business
days.documentation,
We will generally
investigation
within
ten
(10)
business
days afterinitiated
we hear
outside
the will
United
States)
investigate
your However,
complaint iforwe
question.
If we
need
this additional
to determine
if andocumentation,
error has occurred,
we will
deposit
within
business initiated
day for the
from youofand
correct
any to
error(s)
promptly.
need more
time
to investigate
thetime
transaction
or obtain
we may
takecredit
up toyour
forty-five
(45)account
days (90
daysten
for(10)
transactions
amount
you
think
is inStates)
error, so
you willyour
havecomplaint
the use oforthe
money during
the time
it takes ustime
to complete
our investigation.
the disputed
involves
a VISA
Check
Card
outside of
the
United
to that
investigate
question.
If we need
this additional
to determine
if an error hasIfoccurred,
we transaction
will credit your
deposit
account
within
tenPOS
(10) transaction,
business daywe
forwill
the
provide
account
thewill
amount
in dispute
five (5)
business
days.
If weus
ask
to put our
yourinvestigation.
complaint or question
in writing
and we involves
do NOT receive
it withinCard
ten (10)
days,
amount this
you credit
think istoinyour
error,
so thatfor
you
have the
use of within
the money
during
the time
it takes
to you
complete
If the disputed
transaction
a VISA Check
POSbusiness
transaction,
wewe
willmay
choose
credit
duringfive
our(5)
investigation
period.
provide not
this to
credit
to your
your account
account for
for the
the amount
amount in
in question
dispute within
business days.
If we ask you to put your complaint or question in writing and we do NOT receive it within ten (10) business days, we may
choose not to credit your account for the amount in question during our investigation period.
If we decide there was no error, we will call you or send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our
investigation.
If we decide there was no error, we will call you or send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our
investigation.
TYPES OF TRANSFERS
By
completing
a transfer request, you may arrange for us to complete certain preauthorized Electronic Funds Transfers (EFTs) on your behalf. Preauthorized transfers include payments to third parties or to your
TYPES
OF TRANSFERS
accounts
held ina our
bank.request,
You may
also
complete
callingpreauthorized
1-800-817-8787.
For transfers
between accounts
at your
our bank,
youPreauthorized
must own or have
signature
authority
overto
both
accounts
in
By completing
transfer
you
may
arrangetelephone
for us to transfers
completeby
certain
Electronic
Funds Transfers
(EFTs) on
behalf.
transfers
include
payments
third
parties involved
or to your
the
transfer.
accounts
held in our bank. You may also complete telephone transfers by calling 1-800-817-8787. For transfers between accounts at our bank, you must own or have signature authority over both accounts involved in
the transfer.
Examples of preauthorized transfers include:
(a) directofdeposits
from your
employer,
U.S. Treasury Department or other financial institution;
Examples
preauthorized
transfers
include:
(b)
of certain
recurring
bills toU.S.
others
from your
checkingor
orother
savings
accounts
(savings account limitations are described below);
(a) payments
direct deposits
from your
employer,
Treasury
Department
financial
institution;
(c)
another
savings account,
oraccounts
from your(savings
line of credit
at our
bank, toare
cover
a checking
account overdraft;
(b) overdraft
paymentsprotection
of certain transfers
recurring from
bills to
otherschecking
from yourorchecking
or savings
account
limitations
described
below);
(d)
transfers from
a checking
or savings
account
to make
payments
to our
Bank;
andline of credit at our bank, to cover a checking account overdraft;
(c) overdraft
protection
transfers
from another
checking
orloan
savings
account,
or from
your
(e)
one checking
or savings
another.
(d) transfer
transfersfunds
from from
a checking
or savings
accountaccount
to maketoloan
payments to our Bank; and
(f)
check
conversions
- youormay
authorize
a merchant
or other payee to make one-time electronic payments from your checking account using information from your check to pay for purchases or pay bills.
(e)electronic
transfer funds
from
one checking
savings
account
to another.
(f) electronic check conversions - you may authorize a merchant or other payee to make one-time electronic payments from your checking account using information from your check to pay for purchases or pay bills.
If funds are not available in your primary account at the time of a preauthorized transfer, a fee may be assessed to your primary account.
If funds are not available in your primary account at the time of a preauthorized transfer, a fee may be assessed to your primary account.
TRANSFER LIMITATIONS
There
are noLIMITATIONS
limits on the number or amount of direct deposits which you may receive in your checking or savings account(s). Preauthorized payments from your checking account(s) are also unlimited. However, you
TRANSFER
may
a maximum
of sixor(6)amount
preauthorized
per month
fromreceive
a savings
or money
market
savingsaccount(s).
account to Preauthorized
another account
at our bank,
as payments
others, orare
to also
your unlimited.
account held
at another
Therearrange
are no for
limits
on the number
of direct transfers
deposits which
you may
in your
checking
or savings
payments
from your
checkingto
account(s)
However,
you
financial
institution.
may arrange
for a maximum of six (6) preauthorized transfers per month from a savings or money market savings account to another account at our bank, as payments to others, or to your account held at another
financial institution.
YOUR RIGHT TO DOCUMENTATION OF TRANSFERS
Periodic
Statements.
You will receive monthly
checking account and line of credit account statements. If your savings account shows any EFT activity during a month, you will also receive a monthly statement for your
YOUR RIGHT
TO DOCUMENTATION
OF TRANSFERS
savings account,
rather
than
scheduled
quarterly
statements.
statements
will show allIfEFT
your account
during
statement
along
description
the transaction
and
Periodic
Statements.
You
willregularly
receive monthly
checking
account
and lineThese
of credit
account statements.
youractivity
savingsfor
account
shows any
EFTthe
activity
duringperiod,
a month,
youwith
will a
also
receive aofmonthly
statementtype
for your
payee. account, rather than regularly scheduled quarterly statements. These statements will show all EFT activity for your account during the statement period, along with a description of the transaction type and
savings
payee.
Direct Deposits. If you arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you may call us at 1-800-555-5455 on the day you expect to receive
the
deposit
to findIfout
or to
nothave
the deposit
has been
credited
to your
account.
Direct
Deposits.
youwhether
arranged
direct deposits
made
to your
account
at least once every sixty (60) days from the same person or company, you may call us at 1-800-555-5455 on the day you expect to receive
the deposit to find out whether or not the deposit has been credited to your account.
Notice of Varying Amounts. If your preauthorized payments to others vary in amount, the person you are going to pay is required to tell you ten (10) days before each payment, WHEN it will be made and HOW MUCH it
will be. ofYou
may Amounts.
choose instead
get this noticepayments
from themtoonly
when
the
would
differyou
by more
thanto
a pay
certain
amount to
from
or when
the amount
wouldit fall
certain
limits MUCH
that you
Notice
Varying
If yourtopreauthorized
others
vary
in payment
amount, the
person
are going
is required
tell the
youprevious
ten (10) payment
days before
each payment,
WHEN
willoutside
be made
and HOW
it
set. be. You may choose instead to get this notice from them 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
will
set.
TRANSACTION LIMITATIONS
TRANSACTION
LIMITATIONS
We
will not process
transactions that involve Internet Gambling, such as ATM/Debit Card, ACH transfer, wire transfers or bill payments. Please contact our Customer Service Center at 1-800-555-5455 if you would
like
information
on this that
restriction.
We additional
will not process
transactions
involve Internet Gambling, such as ATM/Debit Card, ACH transfer, wire transfers or bill payments. Please contact our Customer Service Center at 1-800-555-5455 if you would
like additional information on this restriction.
Payments to Others. If you have arranged in advance to make regular electronic funds transfers from your account(s) for money you owe others, you may stop payment of preauthorized transfers from your
account.
must notify
ushave
orallyarranged
by calling
by visiting
the nearest
office
time
up to three
business
daysothers,
beforeyou
the may
scheduled
date of the
transfer. We may
require
written
PaymentsYou
to Others.
If you
in 1-800-555-5455
advance to makeorregular
electronic
fundsbranch
transfers
fromany
your
account(s)
for(3)
money
you owe
stop payment
of preauthorized
transfers
from
your
confirmation
an oral
stop
to 1-800-555-5455
be made within fourteen
(14) days
of the oral
notification.
we do
confirmation,
thethe
oral
stop payment
order
shall cease
be binding
account. Youofmust
notify
uspayment
orally byorder
calling
or by visiting
the nearest
branch
office anyIftime
uprequire
to threethe
(3)written
business
days before
scheduled
date of
the transfer.
Wetomay
require fourteen
written (14)
days
after it isofmade
if you
not provide
written
confirmation.
We(14)
maydays
charge
you,
according
to ourIf Personal/Business
Account
Fee Schedule,
for each
payment
EFTtotransactions
payable to
confirmation
an oral
stopdo
payment
orderthe
to be
made
within fourteen
of the
oral
notification.
we do require the written
confirmation,
the oral
stop stop
payment
orderorder
shall on
cease
be binding fourteen
(14)
others
thatityou
request
us to
days after
is made
if you
doprocess.
not provide the written confirmation. We may charge you, according to our Personal/Business Account Fee Schedule, for each stop payment order on EFT transactions payable to
others that you request us to process.
Transfers to and from your account(s) at our bank. If you have arranged for us to draft payments from your deposit account to pay your loan account(s) with our Bank, or transfer funds from one of your deposit
accounts
deposit
account atatour
you have
wish to
stop or for
change
automatic from
transfers,
you must
notify us
by calling
the phone
number
on your
deposit statement
least
threedeposit
(3)
Transfers to
to another
and from
your account(s)
ourbank,
bank.and
If you
arranged
us to these
draft payments
your deposit
account
to pay
your loan
account(s)
withlisted
our Bank,
or transfer
funds fromatone
of your
business
prior to
the scheduled
transfer.
Weand
may
ask
youtotostop
alsoor
complete
written
notice for
our records.
accounts days
to another
deposit
account at
our bank,
you
wish
change a
these
automatic
transfers,
you must notify us by calling the phone number listed on your deposit statement at least three (3)
business days prior to the scheduled transfer. We may ask you to also complete a written notice for our records.
depagr-5
rev: 08-15
Page 5
depagr-5
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Page 5
8
BANK'S
BANK'S LIABILITY
LIABILITY FOR
FOR FAILURE
FAILURE TO
TO STOP
STOP PAYMENT
PAYMENT OF
OF PREAUTHORIZED
PREAUTHORIZED TRANSFER
TRANSFER OR
OR FAILURE
FAILURE TO
TO MAKE
MAKE TRANSFER
TRANSFER
Our
Stop Payment
Payment of
of Preauthorized
Preauthorized Transfers.
Transfers. If
at (includes
(includes payments
payments to
to be
be made
made under
under a
a prearranged
prearranged
Our Liability
Liability for
for Failure
Failure to
to Stop
If you
you order
order us
us (or
(or our
our processing
processing agent
agent for
for net-line)
net-line) to
to stop
stop an
an EFT
EFT payment
payment to
to others
others at
agreement
or
net-line
Bill
Payments
scheduled
in
advance)
at
least
three
(3)
business
days
or
more
before
the
transfer
agreement or net-line Bill Payments scheduled in advance) at least three (3) business days or more before the transfer is
is scheduled
scheduled to
to occur,
occur, and
and we
we (or
(or our
our processing
processing agent)
agent) do
do not
not do
do so,
so, we/or
we/or our
our processing
processing
agent
will
be
liable
to
you
for
your
actual,
proven
losses
or
damages.
agent will be liable to you for your actual, proven losses or damages.
Our
Our Liability
Liability for
for Failure
Failure to
to Make
Make Transfers.
Transfers. If
If we
we do
do not
not complete
complete a
a preauthorized
preauthorized or
or telephone
telephone transfer
transfer on
on time
time or
or in
in the
the correct
correct amount
amount according
according to
to our
our agreement
agreement with
with you
you or
or instructions
instructions received
received via
via our
our 24-hour
24-hour
telephone
actual, proven
proven losses
losses or
or damages.
damages. However,
However, there
there are
are some
some exceptions.
exceptions. We
We will
telephone banking
banking service,
service, we
we will
will be
be liable
liable for
for your
your actual,
will NOT
NOT be
be liable
liable for
for instance:
instance:
** If,
If, through
through no
no fault
fault of
of ours,
ours, you
you do
do not
not have
have enough
enough money
money in
in your
your account
account to
to make
make the
the transfer.
transfer.
** If
the
transfer
would
go
over
the
credit
limit
on
your
line
of
credit
account,
whether
or
not
for
overdraft
protection
or
as
a
cash
advance
on
the
line
of
credit.
If the transfer would go over the credit limit on your line of credit account, whether or not for overdraft protection or as a cash advance on the line of credit.
** If
If circumstances
circumstances beyond
beyond our
our control
control (such
(such as
as an
an act
act of
of God,
God, fire
fire or
or other
other catastrophe),
catastrophe), or
or by
by an
an electronic
electronic or
or computer
computer failure
failure which
which prevents
prevents the
the transaction,
transaction,
despite
despite reasonable
reasonable precautions
precautions that
that we
we have
have taken.
taken.
** If
If the
the funds
funds in
in your
your account
account are
are subject
subject to
to legal
legal process
process or
or other
other encumbrances
encumbrances restricting
restricting use
use of
of the
the funds
funds for
for such
such transfers.
transfers.
** If
If incomplete
incomplete or
or inaccurate
inaccurate information
information has
has been
been forwarded
forwarded by
by the
the originator.
originator.
ACCOUNT
ACCOUNT INFORMATION
INFORMATION DISCLOSURE
DISCLOSURE TO
TO THIRD
THIRD PARTIES
PARTIES
We
We will
will disclose
disclose information
information to
to third
third parties
parties about
about your
your account
account or
or the
the transfer
transfer you
you make:
make:
** Where
Where itit is
is necessary
necessary for
for completing
completing the
the transaction.
transaction.
** To
To verify
verify the
the existence
existence and
and standing
standing of
of your
your account
account with
with us,
us, or
or to
to confirm
confirm that
that sufficient
sufficient funds
funds are
are available
available to
to cover
cover specific
specific transactions,
transactions, upon
upon the
the request
request
from
a
third
party,
such
as
a
credit
bureau
or
merchant.
from a third party, such as a credit bureau or merchant.
** To
To comply
comply with
with court
court orders
orders or
or government
government administrative
administrative agencies'
agencies' summons,
summons, subpoenas,
subpoenas, orders
orders examinations
examinations and
and escheat
escheat reports.
reports.
** On
On receipt
receipt of
of certification
certification from
from a
a federal
federal agency
agency or
or department
department that
that a
a request
request for
for information
information is
is in
in compliance
compliance with
with the
the Right
Right to
to Financial
Financial Privacy
Privacy Act
Act of
of 1978.
1978.
** If
If you
you give
give us
us your
your written
written permission.
permission.
VERIFICATION
VERIFICATION OF
OF CUSTOMER
CUSTOMER INFORMATION
INFORMATION
"The
"The USA
USA PATRIOT
PATRIOT Act
Act requires
requires financial
financial institutions
institutions to
to verify
verify customer
customer identification.
identification. As
As a
a result
result our
our employees
employees may
may ask
ask you
you to
to provide
provide proper
proper identification
identification and
and may
may additionally
additionally use
use
credit
reports,
references
credit reports, references or
or other
other reasonable
reasonable means
means to
to make
make the
the required
required verification.
verification. Thank
Thank you
you for
for your
your cooperation
cooperation in
in helping
helping us
us comply
comply with
with federal
federal regulations."
regulations."
CHECK
CHECK CLEARING
CLEARING FOR
FOR THE
THE 21ST
21ST CENTURY
CENTURY ACT
ACT -- HOW
HOW IT
IT AFFECTS
AFFECTS YOU
YOU DIRECTLY
DIRECTLY
Check
Check 21
21 includes
includes a
a set
set of
of new
new industry
industry standards
standards that
that permit
permit banks
banks to
to process
process checks
checks more
more efficiently
efficiently which
which may
may result
result in
in same
same day
day clearing
clearing of
of checks.
checks. The
The legislation
legislation also
also grants
grants
Substitute
Substitute Checks
Checks equivalent
equivalent legal
legal status
status as
as the
the original
original check.
check.
Substitute
Substitute Checks
Checks and
and Your
Your Rights
Rights
What
What is
is a
a substitute
substitute check?
check?
To
To make
make check
check processing
processing faster,
faster, federal
federal law
law permits
permits banks
banks to
to replace
replace original
original checks
checks with
with "Substitute
"Substitute Checks."
Checks." These
These checks
checks are
are similar
similar in
in size
size to
to original
original checks
checks with
with a
a slightly
slightly reduced
reduced
image
"This is
image of
of the
the front
front and
and back
back of
of the
the original
original check.
check. The
The front
front of
of a
a Substitute
Substitute Check
Check states:
states: "This
is a
a legal
legal copy
copy of
of your
your check.
check. You
You can
can use
use it
it the
the same
same way
way you
you would
would use
use the
the original
original check."
check."
You
You may
may use
use a
a Substitute
Substitute Check
Check as
as proof
proof of
of payment
payment just
just like
like the
the original
original check.
check.
Some
Some or
or all
all of
of the
the checks
checks that
that you
you receive
receive back
back from
from us
us may
may be
be Substitute
Substitute Checks.
Checks. This
This notice
notice describes
describes rights
rights you
you have
have when
when you
you receive
receive Substitute
Substitute Checks
Checks from
from us.
us. The
The rights
rights in
in this
this notice
notice
do
not
apply
to
original
checks
or
to
electronic
debits
to
your
account.
However,
you
have
rights
under
other
law
with
respect
to
those
transactions.
do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions.
What
regarding Substitute
Substitute Checks?
Checks?
What are
are my
my rights
rights regarding
In
Substitute Check
In certain
certain cases,
cases, federal
federal law
law provides
provides a
a special
special procedure
procedure that
that allows
allows you
you to
to request
request a
a refund
refund for
for losses
losses you
you suffer
suffer if
if a
a Substitute
Check is
is posted
posted to
to your
your account
account (for
(for example,
example, ifif you
you think
think that
that
the
the wrong
wrong amount
amount was
was withdrawn
withdrawn from
from your
your account
account or
or that
that money
money was
was withdrawn
withdrawn from
from your
your account
account more
more than
than once
once for
for the
the same
same check).
check). The
The losses
losses you
you may
may attempt
attempt to
to recover
recover under
under this
this
procedure
may
include
the
amount
that
was
withdrawn
from
your
account
and
fees
that
were
charged
as
a
result
of
the
withdrawal
(for
example,
bounced
check
fees).
procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).
The
amount
of
your
refund
under
this
procedure
is
limited
to
the
amount
of
your
loss
or
the
amount
of
the
Substitute
Check,
whichever
is
less.
You
also
are
entitled
to
interest
on
the
amount
The amount of your refund under this procedure is limited to the amount of your loss or the amount of the Substitute Check, whichever is less. You also are entitled to interest on the amount
of
of your
your refund
refund if
if your
your account
account is
is an
an interest-bearing
interest-bearing account.
account. If
If your
your loss
loss exceeds
exceeds the
the amount
amount of
of the
the Substitute
Substitute Check,
Check, you
you may
may be
be able
able to
to recover
recover additional
additional amounts
amounts under
under other
other laws.
laws.
If
(plus interest
interest ifif your
your account
account earns
earns interest)
interest) within
within ten
ten (10)
If you
you use
use this
this procedure,
procedure, you
you may
may receive
receive up
up to
to $2,500
$2,500 of
of your
your refund
refund (plus
(10) business
business days
days after
after your
your claim
claim is
is received
received and
and the
the remainder
remainder
of
on the
of your
your refund
refund (plus
(plus interest
interest ifif your
your account
account earns
earns interest)
interest) not
not later
later than
than forty-five
forty-five (45)
(45) calendar
calendar days
days after
after your
your claim
claim is
is received.
received. We
We may
may reverse
reverse the
the refund
refund (including
(including any
any interest
interest on
the
refund)
refund) if
if we
we later
later are
are able
able to
to demonstrate
demonstrate that
that the
the Substitute
Substitute Check
Check was
was correctly
correctly posted
posted to
to your
your account.
account.
How
How do
do II make
make a
a claim
claim for
for a
a refund?
refund?
If
suffered a
a loss
If you
you believe
believe that
that you
you have
have suffered
loss relating
relating to
to a
a Substitute
Substitute Check
Check that
that you
you received
received and
and that
that was
was posted
posted to
to your
your account,
account, please
please contact
contact First
First National
National Bank
Bank in
in writing
writing at
at 4140
4140 East
East
State
Street,
Hermitage,
PA
that we
we mailed
mailed (or
(or otherwise
otherwise delivered
delivered by
by a
a
State Street, Hermitage, PA 16148,
16148, at
at www.fnb-online.com
www.fnb-online.com or
or call
call 1-800-555-5455.
1-800-555-5455. You
You must
must contact
contact us
us within
within forty
forty (40)
(40) calendar
calendar days
days of
of the
the date
date that
means
to
which
you
agreed)
means to which you agreed) the
the substitute
substitute check
check in
in question
question or
or the
the account
account statement
statement showing
showing that
that the
the substitute
substitute check
check was
was posted
posted to
to your
your account,
account, whichever
whichever is
is later.
later. We
We will
will extend
extend this
this
time
time period
period if
if you
you were
were not
not able
able to
to make
make a
a timely
timely claim
claim because
because of
of extraordinary
extraordinary circumstances.
circumstances.
Your
Your claim
claim must
must include:
include:
** A
A description
description of
of why
why you
you have
have suffered
suffered a
a loss
loss (for
(for example,
example, you
you think
think the
the amount
amount withdrawn
withdrawn was
was incorrect);
incorrect);
** An
An estimate
estimate of
of the
the amount
amount of
of your
your loss;
loss;
** An
explanation
of
why
the
Substitute
Check
you
received
is
insufficient
to
confirm
that
you
suffered
An explanation of why the Substitute Check you received is insufficient to confirm that you suffered a
a loss;
loss; and
and
** A
copy
of
the
Substitute
Check
and/or
the
following
information
to
help
us
identify
the
substitute
check:
to
A copy of the Substitute Check and/or the following information to help us identify the substitute check: identifying
identifying information,
information, for
for example,
example, the
the check
check number,
number, the
the name
name of
of the
the person
person to
whom
check, and
and the
the amount
amount of
of the
the check.
check.
whom you
you wrote
wrote the
the check,
Page
Page 6
6
9
rev: 08-15
08-15
rev:
depagr-5
depagr-5
4140 East State Street
Hermitage, PA 16148
4140
East State Street
www.fnb-online.com
Hermitage,
PA 16148
phone 800-555-5455
www.fnb-online.com
phone 800-555-5455
Freestyle Checking Account Truth-in-Savings Disclosure
Freestyle Checking Account Truth-in-Savings Disclosure
MINIMUM BALANCE TO OPEN ACCOUNT
You
must deposit
$50.00
to OPEN
open this
account online. No minimum requirement if opening in-branch.
MINIMUM
BALANCE
TO
ACCOUNT
You must deposit $50.00 to open this account online. No minimum requirement if opening in-branch.
FEES
For
the fees that may be assessed against your account and other account details, please see the Personal Account Fee Schedule.
FEES
For the fees that may be assessed against your account and other account details, please see the Personal Account Fee Schedule.
-1992 Wolters Kluwer Financial Services - Bankers Systems*
Form TIS-BRO 8/19/92 Custom 4t 4354255-010
MDF. EPATIS12
(page 1 of 2)
-1992 Wolters Kluwer Financial Services - Bankers Systems*
Form TIS-BRO 8/19/92 Custom 4t 4354255-010
MDF. EPATIS12
(page 1 of 2)
10
This summary is to
Account Agreement
This summary is to
Account Agreement
Account
Opening and
Account
Usage
Opening and
Usage
help you understand the basic terms and
for full details.
help you understand the basic terms and
for full details.
Minimum Deposit to Open Account
Service Charge
Minimum Deposit to Open Account
Interest Bearing
Service Charge
Service Charge
Interest Bearing
Service Charge
Service Charge
eStatements with Check Image
Service Charge
Returned Deposits or Cashed Item Fee
eStatements with Check Image
FNB ATM Fee
Returned Deposits or Cashed Item Fee
ATM Withdrawal (Foreign ATM Fee)
FNB ATM Fee
Stop Item Charge
ATM Withdrawal (Foreign ATM Fee)
Stop Item Charge
Standard Overdraft Practices
Standard Overdraft Practices
Overdraft
Options
Overdraft
and Fees
Options
and Fees
Overdraft Fee & Returned Item Fee (NSF)
Continuous Overdraft Fee
Overdraft Fee & Returned Item Fee (NSF)
Continuous Overdraft Fee
Overdraft Protection Fee
Overdraft Protection Fee
Posting Order
The order in which deposits and
Posting
Order
withdrawals are
processed.
The order in which deposits and
withdrawals are processed.
Processing
Policies
Processing
Policies
Dispute
Resolution
Dispute
Resolution
Funds Availability
When funds deposited to your account
Funds
areAvailability
available.
When funds deposited to your account
are available.
Freestyle
Checking Freestyle
Account
Checking Account
Product Number 23901 Class Code 36
conditions of your account. See the Personal Account Fee Schedule and the Deposit
Product Number 23901 Class Code 36
conditions of your account. See the Personal Account Fee Schedule and the Deposit
$50.00 minimum to open online. No minimum to open in-branch.
No Charge
$50.00 minimum to open online. No minimum to open in-branch.
No
No Charge
Fee assessed per month for paper statements.
$2.95
No
$3.00
Fee assessed per month for check images in addition to paper statements.
Fee assessed per month for paper statements.
$2.95
No Charge
$3.00
Fee assessed per month for check images in addition to paper statements.
$12.00
For each item you deposit or cash that is returned unpaid.
No Charge
No Charge
$12.00
For each item you deposit or cash that is returned unpaid.
$2.50
Per transaction plus any fees the ATM owner charges.
No Charge
$37.00
Per item
$2.50
Per transaction plus any fees the ATM owner charges.
$37.00
Per item
Overdrafts for checks, in-person withdrawals, automatic bill payments or other
transactions using your account number may be authorized and paid, on a case by
Overdrafts
for checks,and
in-person
withdrawals,
automatic
case basis. Overdraft
Returned
Item Fees do
apply. bill payments or other
transactions using your account number may be authorized and paid, on a case by
Overdrafts
for everyday
debit
case basis. Overdraft
andone-time
Returned
Itemcard
Feestransactions
do apply. and ATM transactions are not
authorized and paid, unless you allow FNB to do so. These are declined at no cost.
Overdrafts
everyday
one-time
debit services
card transactions
and may
ATMbe
transactions
not
Please
ask for
us for
information
on other
we offer that
suitable forare
you,
authorized
paid, unless
you plan
alloworFNB
so. Thesesavings,
are declined
at nomarket
cost.
such
as an and
overdraft
protection
linkto
todo
a checking,
or money
Please ask us for information on other services we offer that may be suitable for you,
account.
such as an overdraft
protection
plan
or an
linkitem
to aischecking,
savings, unpaid.
or money market
$37.00
Fee assessed
each
time
paid or returned
account.
$12.00
Fee assessed every 3 business days that your account remains
$37.00
Fee
assessed each time an item is paid or returned unpaid.
overdrawn.
$12.00
Fee assessed every 3 business days that your account remains
$10.00
Per transfer linked to a checking, savings, or money market account.
overdrawn.
Per transfer linked to a checking, savings, or money market account.
Transfers from a personal line of credit. Transfers from lines of credit
are subject to the terms of the Applicable Agreement and/or Disclosure
$10.00
Transfers from
a personal
line ofbut
credit.
Transfers
from lines
of credit
Statement,
which
shall include,
not limited
to, interest
charged
on
are subject
to the terms of the Applicable Agreement and/or Disclosure
amounts
transferred.
Statement, which shall include, but not limited to, interest charged on
amounts transferred.
Generally, each business day* FNB will:
First, add all credits and deposits that are available
Generally,
eachany
business
day* FNB
will:
Next,
subtract
debit items.
These
include checks, withdrawals, other payments
First,account
add all fees.
credits
and deposits
that are Account
available Agreement for full details.
and
Please
see the Deposit
Next, subtract any debit items. These include checks, withdrawals, other payments
Funds Availability
Type of Deposit
and account fees. Please see the Deposit Account Agreement for full details.
Same business day*
Checks drawn on FNB, electronic direct deposits, wire
Funds Availability
Type of
Deposit
transfers and cash deposits
made
to a FNB teller.
Same business day*
Checks drawn on FNB, electronic direct deposits, wire
Next business day*
Deposits
at
ATMs,
check
drawn
on
bank, mobile
transfers and cash deposits made toanother
a FNB teller.
banking deposits.
Next business day*
Deposits
at will
ATMs,
check drawn
another
mobile
NOTE: You
be notified
in theon
event
that bank,
a longer
hold is
bankingto
deposits.
applied
your deposit.
NOTE:
YouFriday
will beexcluding
notified in
the event
that aPlease
longersee
hold
is
*A "business day" is Monday
through
federal
holidays.
the
deposit.
Deposit Account Agreementapplied
for cutto
offyour
times
and full details on Funds Availability.
*A "business day" is Monday through Friday excluding federal holidays. Please see the
Deposit Account Agreement for cut off times and full details on Funds Availability.
$10.00
$10.00
We encourage you to promptly reach out to us to report a lost or stolen card/password or report unauthorized transactions. Please
refer to the Deposit Account Agreement for full details on Electronic Fund Transfers.
We encourage you to promptly reach out to us to report a lost or stolen card/password or report unauthorized transactions. Please
Mail
4140
Easton
State
Street,Fund
Hermitage,
PA 16148
refer to the Deposit Account Agreement
for full
details
Electronic
Transfers.
In Person Visit us at any FNB branch, find the location nearest you at fnb-online.com.
Mail 4140 East State Street, Hermitage, PA 16148
By Phone 1-800-555-5455
In Person Visit us at any FNB branch, find the location nearest you at fnb-online.com.
By Phone 1-800-555-5455
Member FDIC
Member FDIC
-1992 Wolters Kluwer Financial Services - Bankers Systems*
Form TIS-BRO 8/19/92 Custom 4t 4354255-010
MDF. EPATIS12
(page 2 of 2)
-1992 Wolters Kluwer Financial Services - Bankers Systems* Form TIS-BRO 8/19/92 Custom 4t 4354255-010
MDF. EPATIS12
(page 2 of 2)
11
4140 East State Street
Hermitage, PA 16148
4140
East State Street
www.fnb-online.com
Hermitage,
PA 16148
phone 800-555-5455
www.fnb-online.com
phone 800-555-5455
Lifestyle Checking Account Truth-in-Savings Disclosure
Lifestyle Checking Account Truth-in-Savings Disclosure
RATE INFORMATION
As
of July
1, 2015
RATE
INFORMATION
As of
TierJuly
1 - 1,If 2015
your daily balance is more than $2,499.99, but less than $10,000.00, the interest rate paid on the entire balance in
your
account
willdaily
be 0.01%
with
an annual
of 0.01%.
Tier 1 - If your
balance
is more
than percentage
$2,499.99,yield
but less
than $10,000.00, the interest rate paid on the entire balance in
Tier
2
If
your
daily
balance
is
more
than
$9,999.99,
but
less
than $15,000.00, the interest rate paid on the entire balance in
your account will be 0.01% with an annual percentage yield of 0.01%.
your 2
account
willdaily
be 0.01%
with
an annual
of 0.01%.
Tier
- If your
balance
is more
than percentage
$9,999.99,yield
but less
than $15,000.00, the interest rate paid on the entire balance in
Tier
- If your
balance
is more
than percentage
$14,999.99,yield
but of
less
than $25,000.00, the interest rate paid on the entire balance in
your 3
account
willdaily
be 0.01%
with
an annual
0.01%.
your
account
will
be
0.01%
with
an
annual
percentage
yield
of
0.01%.
Tier 3 - If your daily balance is more than $14,999.99, but less than $25,000.00, the interest rate paid on the entire balance in
Tier 4
- If your
balancewith
is more
than $24,999.99,
but less
than $100,000.00, the interest rate paid on the entire balance in
your
account
willdaily
be 0.01%
an annual
percentage yield
of 0.01%.
your
account
willdaily
be 0.01%
an annual
percentage yield
of 0.01%.
Tier 4
- If your
balancewith
is more
than $24,999.99,
but less
than $100,000.00, the interest rate paid on the entire balance in
Tier account
5 - If your
balance
or more,
your
will daily
be 0.01%
withisan$100,000.00
annual percentage
yieldthe
of interest
0.01%. rate paid on the entire balance in your account will be
0.01%
annual
of 0.01%.or more, the interest rate paid on the entire balance in your account will be
Tier 5 with
- If an
your
daily percentage
balance is yield
$100,000.00
Your0.01%
interest
rate
annual
percentage
yield
may change.
with
anand
annual
percentage
yield
of 0.01%.
Your interest rate and annual percentage yield may change.
FREQUENCY OF RATE CHANGES
We may change the interest rate on your account at any time.
FREQUENCY OF RATE CHANGES
We may change the interest rate on your account at any time.
DETERMINATION OF RATE
At our discretion, we may change the interest rate on your account.
DETERMINATION OF RATE
At our discretion, we may change the interest rate on your account.
COMPOUNDING AND CREDITING FREQUENCY
Interest will be compounded every month. Interest will be credited to your account every month.
COMPOUNDING AND CREDITING FREQUENCY
Interest will be compounded every month. Interest will be credited to your account every month.
EFFECT OF CLOSING AN ACCOUNT
If you close your account before interest is credited, you will not receive the accrued interest.
EFFECT OF CLOSING AN ACCOUNT
If you close your account before interest is credited, you will not receive the accrued interest.
MINIMUM BALANCE TO OPEN THE ACCOUNT
You must deposit $50.00 to open this account online. No minimum requirement if you open the account in-branch.
MINIMUM BALANCE TO OPEN THE ACCOUNT
You must deposit $50.00 to open this account online. No minimum requirement if you open the account in-branch.
MINIMUM BALANCE TO AVOID IMPOSITION OF FEES
For the fees applicable to accounts which do not maintain minimum balance requirements, please see the Personal Account Fee
MINIMUM BALANCE TO AVOID IMPOSITION OF FEES
Schedule.
For the fees applicable to accounts which do not maintain minimum balance requirements, please see the Personal Account Fee
Schedule.
DAILY BALANCE COMPUTATION METHOD
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal
DAILY BALANCE COMPUTATION METHOD
in the account each day.
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal
in the account each day.
ACCRUAL OF INTEREST ON NONCASH DEPOSITS
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
ACCRUAL OF INTEREST ON NONCASH DEPOSITS
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
FEES
For the fees that may be assessed against your account and other account details, please see the Personal Account Fee Schedule.
FEES
For the fees that may be assessed against your account and other account details, please see the Personal Account Fee Schedule.
-1992 Wolters Kluwer Financial Services - Bankers Systems*
Form TIS-BRO 8/19/92 Custom 4t 4354389-010
MDF. EPATIS14
(page 1 of 2)
-1992 Wolters Kluwer Financial Services - Bankers Systems* Form TIS-BRO 8/19/92 Custom 4t 4354389-010
MDF. EPATIS14
(page 1 of 2)
12
Lifestyle
Lifestyle
Checking
Accoun
Checking
Account
Product Number 23602 Class Code
This summary is to help you understand the basic terms and conditions of your account. See the
Personal
Account
Fee
Schedule
and the Dep
Product
Number
23602
Class
Code 36
Agreement
for full details.
This summary Account
is to help
you understand
the basic terms and conditions of your account. See the Personal Account Fee Schedule and the Deposit
Account Agreement for full details.
Minimum Deposit to Open Account
$50.00 minimum to open online. No minimum to open in-branch.
Minimum Deposit to Open AccountService
$50.00
minimum
to open online.
No requirements
minimum to open
in-branch.
Charge
$10.00
If the
to avoid
the monthly service charge are not met.
Service Charge $10.00
If the requirements
the monthly
service charge are not met.
$1,000
or more per to
dayavoid
average
daily balance.
Avoid the Service Charge$1,000
if You Meet
or moreOR,
per$10,000
day average
daily balance.
combined
average daily balance, for the preceding month, in any
Avoid the Service Charge
if You
Meet
ONE (1)
of the
Following
During combined
combination
of checking,
savings,
certificate
ofmonth,
deposit.in any
OR, $10,000
average
daily balance,
foror
the
preceding
ONE (1) of the Following During
the Statement
Cycle of checking, savings, or certificate of deposit.
combination
the Statement CycleInterest Bearing Yes
Account
Interest Bearing
Account Opening and
PaperYes
Statements No Charge
Opening and Usage
Paper
Statements
No
Charge
No Charge
Check
Image with
Statement
Usage
No
Charge
Check ImageeStatements
with Statement
Monthly service charge is reduced to $9.00 with eStatements.
with Check
Image No Charge
No Charge
Monthly serviceFor
charge
reduced
to $9.00
with that
eStatements.
eStatements
withDeposits
Check Image
each is
item
you deposit
or cash
is returned unpaid.
Returned
or Cashed
Item Fee $12.00
$12.00
ForCharge
each item you deposit or cash that is returned unpaid.
Returned Deposits or Cashed Item Fee FNB
ATM Fee No
Charge
FNB ATM (Foreign
Fee NoATM
Per transaction plus any fees the ATM owner charges.
ATM Withdrawal
Fee) $2.50
$2.50
Per transactionPer
plus
any fees the ATM owner charges.
ATM Withdrawal (Foreign ATM Fee)
item
Stop Item
Charge $37.00
Per item
Stop Item Charge $37.00
Overdraft
Options
and Fees
Overdrafts for checks, in-person withdrawals, automatic bill payments or other
Overdrafts for transactions
checks, in-person
bill be
payments
or other
using withdrawals,
your accountautomatic
number may
authorized
and paid, on a case by
caseyour
basis.
Overdraft
and Returned
Item Feesand
do apply.
transactions using
account
number
may be authorized
paid, on a case by
case basis. Overdraft and Returned Item Fees do apply.
Overdrafts for everyday one-time debit card transactions and ATM transactions are no
Standard Overdraft Practices
and paid,
unless
you
allow FNB and
to doATM
so. transactions
These are declined
Overdrafts for authorized
everyday one-time
debit
card
transactions
are notat no cost.
Standard Overdraft Practices
ask usyou
for allow
information
services
offer that
may
be suitable for you,
authorized andPlease
paid, unless
FNB toon
doother
so. These
arewe
declined
at no
cost.
such
as an overdraft
protection
or linkthat
to amay
checking,
savings,
or money market
Please ask us for
information
on other
servicesplan
we offer
be suitable
for you,
account.
such as an overdraft
protection plan or link to a checking, savings, or money market
Overdraft
account.
Overdraft Fee & Returned Item
Fee (NSF) $37.00
Fee assessed each time an item is paid or returned unpaid.
Options
Overdraft Fee & Returned ItemContinuous
Fee (NSF) Overdraft
$37.00 Fee $12.00
Fee assessed each
time an item
is paid
or returned
Fee assessed
every
3 business
days unpaid.
that your account remains
and Fees
Continuous Overdraft Fee $12.00
overdrawn.
Fee assessed every
3 business days that your account remains
overdrawn.
$10.00
Per transfer linked to a checking, savings, or money market account.
$10.00
Per transfer linked to a checking, savings, or money market account.
Overdraft Protection Fee
Overdraft Protection Fee $10.00
Processing
Policies
Dispute
Resolution
$10.00
Transfers from a personal line of credit. Transfers from lines of credit
subject to
the Applicable
Agreement
Transfers fromare
a personal
linethe
of terms
credit.ofTransfers
from lines
of creditand/or Disclosur
Statement,
shall include,
but notand/or
limitedDisclosure
to, interest charged on
are subject to the
terms ofwhich
the Applicable
Agreement
amounts
transferred.
Statement, which
shall include,
but not limited to, interest charged on
amounts transferred.
Posting Order Generally, each business day* FNB will:
add all
credits
Generally,
business
day*
FNB and
will:deposits that are available
The Posting
order inOrder
which deposits
andeachFirst,
add all credits
deposits
available
Next, and
subtract
any that
debitare
items.
These include checks, withdrawals, other payments
processed.
The order in which withdrawals
deposits andare First,
fees.These
Pleaseinclude
see the
Deposit
Account Agreement
for full details.
any account
debit items.
checks,
withdrawals,
other payments
withdrawals are processed. Next, subtract and
and account fees. Please
the Deposit Account Agreement forType
full details.
Funds see
Availability
of Deposit
Funds Availability
Deposit
Same business day*
Checks Type
drawnofon
FNB, electronic direct deposits, wire
Processing
and cash deposits
made towire
a FNB teller.
Same business day*
Checks drawn transfers
on FNB, electronic
direct deposits,
transfers and cash deposits made to a FNB teller.
Policies
Funds Availability
Next business day*
Deposits at ATMs, check drawn on another bank, mobile
When funds
to your Next
account
Fundsdeposited
Availability
banking
deposits.
business day*
Deposits at ATMs,
check
drawn on another bank, mobile
When funds deposited to your account are available.
NOTE: You will be notified in the event that a longer hold
banking deposits.
are available.
NOTE: You willapplied
be notified
in the
event that a longer hold is
to your
deposit.
your deposit.
*A "business applied
day" is to
Monday
through Friday excluding federal holidays. Please see th
Deposit
Account
Agreement
cut off times
and
full details
on Funds
Availability.
*A "business day"
is Monday
through
Fridayfor
excluding
federal
holidays.
Please
see the
Deposit Account Agreement for cut off times and full details on Funds Availability.
We encourage you to promptly reach out to us to report a lost or stolen card/password or report unauthorized transactions. Please
topromptly
the Deposit
Account
full or
details
oncard/password
Electronic FundorTransfers.
We encourage refer
you to
reach
out to Agreement
us to reportfor
a lost
stolen
report unauthorized transactions. Please
refer to the Deposit Account Agreement for full details on Electronic Fund Transfers.
Dispute
Mail 4140 East State Street, Hermitage, PA 16148
Resolution
Mail 4140
East State
Street,
PA 16148
In Person
Visit
us at Hermitage,
any FNB branch,
find the location nearest you at fnb-online.com.
In Person Visit
at any 1-800-555-5455
FNB branch, find the location nearest you at fnb-online.com.
Byus
Phone
By Phone 1-800-555-5455
Member FDIC
Member FDIC
-1992 Wolters Kluwer Financial Services - Bankers Systems* Form TIS-BRO 8/19/92 Custom 4t 4354389-010
-1992 Wolters Kluwer Financial Services - Bankers Systems* Form TIS-BRO 8/19/92 Custom 4t 4354389-010 MDF. EPATIS14
13
MDF. EPATIS14
(page 2 of 2)
(page 2 of
S
S
4140 East State Street
Hermitage, PA 16148
4140 East State Street
www.fnb-online.com
Hermitage,
PA 16148
phone 800-555-5455
www.fnb-online.com
phone 800-555-5455
Premierstyle Checking Account Truth-in-Savings Disclosure
Premierstyle Checking Account Truth-in-Savings Disclosure
RATE INFORMATION
As of July
1, 2015
RATE
INFORMATION
As of
TierJuly
1 -1,If2015
your daily balance is more than $999.99, but less than $10,000.00, the interest rate paid on the entire balance in
your
willdaily
be 0.03%
with
annual
yieldless
of 0.03%.
Tier account
1 - If your
balance
is an
more
thanpercentage
$999.99, but
than $10,000.00, the interest rate paid on the entire balance in
Tier 2
- If your
balance
is more
than percentage
$9,999.99,yield
but less
than $15,000.00, the interest rate paid on the entire balance in
your
account
willdaily
be 0.03%
with
an annual
of 0.03%.
your 2
account
willdaily
be 0.04%
with
an annual
of 0.04%.
Tier
- If your
balance
is more
than percentage
$9,999.99,yield
but less
than $15,000.00, the interest rate paid on the entire balance in
Tier
- If your
balance
is more
than percentage
$14,999.99,yield
but of
less
than $25,000.00, the interest rate paid on the entire balance in
your 3
account
willdaily
be 0.04%
with
an annual
0.04%.
your
account
willdaily
be 0.05%
with
an annual
0.05%.
Tier 3
- If your
balance
is more
than percentage
$14,999.99,yield
but of
less
than $25,000.00, the interest rate paid on the entire balance in
Tier 4
- If your
balancewith
is more
than $24,999.99,
but less
than $100,000.00, the interest rate paid on the entire balance in
your
account
willdaily
be 0.05%
an annual
percentage yield
of 0.05%.
your
account
willdaily
be 0.08%
an annual
percentage yield
of 0.08%.
Tier 4
- If your
balancewith
is more
than $24,999.99,
but less
than $100,000.00, the interest rate paid on the entire balance in
Tier account
5 - If your
balance
or more,
your
will daily
be 0.08%
withisan$100,000.00
annual percentage
yieldthe
of interest
0.08%. rate paid on the entire balance in your account will be
0.10%
an annual
of 0.10%.
Tier
5 -with
If your
daily percentage
balance is yield
$100,000.00
or more, the interest rate paid on the entire balance in your account will be
Your0.10%
interest
rateanand
annual
percentage
yield
may change.
with
annual
percentage
yield
of 0.10%.
Your interest rate and annual percentage yield may change.
FREQUENCY OF RATE CHANGES
We
may changeOF
theRATE
interest
rate on your account at any time.
FREQUENCY
CHANGES
We may change the interest rate on your account at any time.
DETERMINATION OF RATE
At
our discretion, weOF
may
change the interest rate on your account.
DETERMINATION
RATE
At our discretion, we may change the interest rate on your account.
COMPOUNDING AND CREDITING FREQUENCY
Interest
will be compounded
every month.
Interest will be credited to your account every month.
COMPOUNDING
AND CREDITING
FREQUENCY
Interest will be compounded every month. Interest will be credited to your account every month.
EFFECT OF CLOSING AN ACCOUNT
If
you close
accountAN
before
interest is credited, you will not receive the accrued interest.
EFFECT
OFyour
CLOSING
ACCOUNT
If you close your account before interest is credited, you will not receive the accrued interest.
MINIMUM BALANCE TO OPEN THE ACCOUNT
You
must deposit
$50.00
to OPEN
open this
account
online. No minimum requirement if you open the account in-branch.
MINIMUM
BALANCE
TO
THE
ACCOUNT
You must deposit $50.00 to open this account online. No minimum requirement if you open the account in-branch.
MINIMUM BALANCE TO AVOID IMPOSITION OF FEES
For
the feesBALANCE
applicable TO
to accounts
which do not maintain
minimum balance requirements, please see the Personal Account Fee
MINIMUM
AVOID IMPOSITION
OF FEES
Schedule.
For the fees applicable to accounts which do not maintain minimum balance requirements, please see the Personal Account Fee
Schedule.
DAILY BALANCE COMPUTATION METHOD
We
use BALANCE
the daily balance
method to calculate
the interest on your account. This method applies a daily periodic rate to the principal
DAILY
COMPUTATION
METHOD
in
each
day. method to calculate the interest on your account. This method applies a daily periodic rate to the principal
Wethe
useaccount
the daily
balance
in the account each day.
ACCRUAL OF INTEREST ON NONCASH DEPOSITS
Interest
begins
accrue no ON
laterNONCASH
than the business
day we receive credit for the deposit of noncash items (for example, checks).
ACCRUAL
OFto
INTEREST
DEPOSITS
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
FEES
For
the fees that may be assessed against your account and other account details, please see the Personal Account Fee Schedule.
FEES
For the fees that may be assessed against your account and other account details, please see the Personal Account Fee Schedule.
-1992 Wolters Kluwer Financial Services - Bankers Systems*
Form TIS-BRO 8/19/92 Custom 4t 4283536-010
MDF. EPATIS19
(page 1 of 2)
-1992 Wolters Kluwer Financial Services - Bankers Systems*
Form TIS-BRO 8/19/92 Custom 4t 4283536-010
MDF. EPATIS19
(page 1 of 2)
14
Premierstyle
Premierstyle
Checking
Accoun
Checking
Account
Product Number 24201 Class Code
This summary is to help you understand the basic terms and conditions of your account. See the
Personal
Account
Fee
Schedule
and the Dep
Product
Number
24201
Class
Code 42
Agreement
for full details.
This summary Account
is to help
you understand
the basic terms and conditions of your account. See the Personal Account Fee Schedule and the Deposit
Account Agreement for full details.
Minimum Deposit to Open Account
$50.00 minimum to open online. No minimum to open in-branch.
Minimum Deposit to Open Account Service
$50.00
minimum
to open online.
Norequirements
minimum to open
in-branch.
Charge
$25.00
If the
to avoid
the monthly service charge are not met.
Service
Charge
If the requirements
avoid the monthly service charge are not met.
Avoid the
Service
Charge $25.00
if You Meet $7,500
or more dailytobalance.
Avoid the Service Charge
if You
Meet
$7,500
or more
daily
balance.
ONE (1)
of the
Following
During
OR,
$25,000
combined average daily balance, for the preceding month, in any
ONE (1) of the Following During
OR, $25,000
average
daily balance,
forcertificate
the preceding
month,orinmoney
any market accounts.
the Statement
Cycle combined
combination
of checking,
savings,
of deposit,
Bearing ofYes
the Statement CycleInterest
combination
checking, savings, certificate of deposit, or money market accounts.
Interest Bearing
Paper Yes
Statements No Charge
Account
Charge
Paper
Statements
Account Opening and
Check
Image withNo
Statement
No Charge
Opening and Usage
Check ImageeStatements
with Statement
No Charge
with Check
Image No Charge
Usage
eStatements
withDeposits
Check Image
No Charge
Returned
or Cashed
Item Fee $12.00
For each item you deposit or cash that is returned unpaid.
$12.00
Returned Deposits or Cashed Item Fee FNB
ATM Fee
Charge
FNB ATM (Foreign
Fee NoATM
ATM Withdrawal
Fee)
ATM Withdrawal (Foreign ATM Fee) No Charge
Stop Item Charge
Stop Item Charge No Charge
Overdraft
Options
and Fees
Processing
Policies
ForCharge
each item you deposit or cash that is returned unpaid.
No
No Charge
Surcharges from other financial institutions refunded up to $15.00 per
Surcharges from
other financial
statement
cycle. institutions refunded up to $15.00 per
statement
No
Charge cycle.
Per item
Per item
Overdrafts for checks, in-person withdrawals, automatic bill payments or other
using withdrawals,
your account automatic
number may
authorized
and paid, on a case by
Overdrafts for transactions
checks, in-person
bill be
payments
or other
caseyour
basis.
Overdraft
and Returned
Item Feesand
do apply.
transactions using
account
number
may be authorized
paid, on a case by
case basis. Overdraft and Returned Item Fees do apply.
Overdrafts for everyday one-time debit card transactions and ATM transactions are n
Standard Overdraft Practices
and paid,debit
unless
you
allow FNB and
to doATM
so. transactions
These are declined
Overdrafts for authorized
everyday one-time
card
transactions
are notat no cost.
Standard Overdraft Practices
ask usyou
for allow
information
services
offer that
may
be suitable for you
authorized andPlease
paid, unless
FNB toon
doother
so. These
arewe
declined
at no
cost.
such
as an overdraft
protection
or linkthat
to amay
checking,
savings,
or money market
Please ask us for
information
on other
servicesplan
we offer
be suitable
for you,
account.
such as an overdraft
protection plan or link to a checking, savings, or money market
Overdraft
account.
Fee assessed each time an item is paid or returned unpaid.
Overdraft Fee & Returned Item
Fee (NSF) $37.00
Options
Fee assessed each
time an item
is paid
or returned
Overdraft
Fee (NSF) Overdraft
$37.00 Fee $12.00
and
Fees Fee & Returned ItemContinuous
Fee assessed
every
3 business
days unpaid.
that your account remains
overdrawn.
Continuous Overdraft Fee $12.00
Fee assessed every
3 business days that your account remains
overdrawn.
Per transfer linked to a checking, savings, or money market account.
No Charge
Per transfer linked to a checking, savings, or money market account.
No Charge
Overdraft Protection Fee
Transfers from a personal line of credit. Transfers from lines of credit
Overdraft Protection Fee
No
Charge fromare
subject to
the Applicable
Agreement
Transfers
a personal
linethe
of terms
credit.ofTransfers
from lines
of creditand/or Disclosur
Statement.
No Charge
are subject to the
terms of the Applicable Agreement and/or Disclosure
Statement.
Posting Order Generally, each business day* FNB will:
add all
credits
Generally,
business
day*
FNBand
will:deposits that are available
The Posting
order inOrder
which deposits
andeachFirst,
add all credits
Next, and
subtract
deposits
any that
debitare
items.
available
These include checks, withdrawals, other payments
processed.
The order in which withdrawals
deposits andare First,
fees.These
Pleaseinclude
see thechecks,
Deposit
Account Agreement
for full details.
any account
debit items.
withdrawals,
other payments
withdrawals are processed. Next, subtract and
and account fees. Please
the Deposit Account Agreement forType
full details.
Funds see
Availability
of Deposit
Funds Availability
Type ofon
Deposit
Same business day*
Checks drawn
FNB, electronic direct deposits, wire
Processing
and cash deposits
made towire
a FNB teller.
Same business day*
Checks drawn transfers
on FNB, electronic
direct deposits,
transfers and cash deposits made to a FNB teller.
Policies
Funds Availability
Next business day*
Deposits at ATMs, check drawn on another bank, mobile
When funds
to your account
Fundsdeposited
Availability
banking
deposits.
Next business day*
Deposits at ATMs,
check
drawn on another bank, mobile
When funds deposited to your account are available.
NOTE: You will be notified in the event that a longer hold
banking deposits.
are available.
to your
deposit.
NOTE: You willapplied
be notified
in the
event that a longer hold is
your deposit.
*A "business applied
day" is to
Monday
through Friday excluding federal holidays. Please see th
Deposit
Account
Agreement
cut off times
and
full details
on Funds
Availability.
*A "business day"
is Monday
through
Fridayfor
excluding
federal
holidays.
Please
see the
Deposit Account Agreement for cut off times and full details on Funds Availability.
Dispute
Resolution
We encourage you to promptly reach out to us to report a lost or stolen card/password or report unauthorized transactions. Please
topromptly
the Deposit
Account
full details
oncard/password
Electronic FundorTransfers.
We encourage refer
you to
reach
out to Agreement
us to reportfor
a lost
or stolen
report unauthorized transactions. Please
refer to the Deposit Account Agreement for full details on Electronic Fund Transfers.
Dispute
Mail 4140 East State Street, Hermitage, PA 16148
Resolution
Mail 4140
East State
Street,
PA 16148
In Person
Visit
us at Hermitage,
any FNB branch,
find the location nearest you at fnb-online.com.
In Person Visit
at any 1-800-555-5455
FNB branch, find the location nearest you at fnb-online.com.
Byus
Phone
By Phone 1-800-555-5455
Member FDIC
Member FDIC
-1992 Wolters Kluwer Financial Services - Bankers Systems* Form TIS-BRO 8/19/92 Custom 4t 4283536-010
-1992 Wolters Kluwer Financial Services - Bankers Systems* Form TIS-BRO 8/19/92 Custom 4t154283536-010 MDF. EPATIS19
MDF. EPATIS19
(page 2 of
(page 2 of 2)
4140 East State Street
Hermitage,
PA 16148
4140 East State
Street
www.fnb-online.com
Hermitage,
PA 16148
phone 800-555-5455
www.fnb-online.com
phone 800-555-5455
Mystyle Checking Account Truth-in-Savings Disclosure
Mystyle Checking Account Truth-in-Savings Disclosure
MINIMUM BALANCE TO OPEN ACCOUNT
MINIMUM
BALANCE TO OPEN ACCOUNT
You must deposit $50.00 to open this account online. No minimum requirement if opening in-branch.
You must deposit $50.00 to open this account online. No minimum requirement if opening in-branch.
MINIMUM BALANCE TO AVOID IMPOSITION OF FEES
MINIMUM
BALANCE TO AVOID IMPOSITION OF FEES
For the fees applicable to accounts which do not maintain minimum balance requirements, please see the Personal Account Fee
Schedule.
For the fees applicable to accounts which do not maintain minimum balance requirements, please see the Personal Account Fee
Schedule.
FEES
FEES
For the fees that may be assessed against your account and other account details, please see the Personal Account Fee Schedule.
For the fees that may be assessed against your account and other account details, please see the Personal Account Fee Schedule.
-1992 Wolters Kluwer Financial Services - Bankers Systems*
-1992 Wolters Kluwer Financial Services - Bankers Systems*
Form TIS-BRO 8/19/92 Custom 4t 4354254-010
MDF. EPATIS11
(page 1 of 2)
Form TIS-BRO 8/19/92 Custom 4t 4354254-010
MDF. EPATIS11
(page 1 of 2)
16
Mystyle
Mystyle
Checking
Accoun
Checking
Account
Product Number 24101 Class Code
This summary is to help you understand the basic terms and conditions of your account. See the
Personal
Account
Fee
Schedule
and the Dep
Product
Number
24101
Class
Code 41
Agreement
for full details.
This summary Account
is to help
you understand
the basic terms and conditions of your account. See the Personal Account Fee Schedule and the Deposit
Account Agreement for full details.
Minimum Deposit to Open Account
$50.00 minimum to open online. No minimum to open in-branch.
Minimum Deposit to Open AccountService
$50.00
minimum
to open online.
No minimum
to open
in-branch.
Charge
$6.95
If the
requirements
to avoid
the monthly service charge are not met.
$500
orrequirements
more daily balance.
Service Charge $6.95
If the
to avoid the monthly service charge are not met.
Avoid the Service Charge $500
if Youor
Meet
OR, $5,000
combined average daily balance, for the preceding month, in any
more daily
balance.
ONE (1)
of the
Following During combination of checking, savings, or certificate of deposit.
Avoid the Service Charge
if You
Meet
OR, $5,000 combined average daily balance, for the preceding month, in any
the Statement
Cycle ofOR,
ONE (1) of the Following During
combination
checking,
savings,
or certificate
of deposit.
recurring
monthly
Direct Deposit
each statement cycle
the Statement Cycle OR, recurring monthly
Direct
Deposit
statement
cycle posted and cleared per statement cycle
OR, 10 POS
Debit
Cardeach
purchase
transactions
Account
OR, Bearing
10 POS Debit
Interest
No Card purchase transactions posted and cleared per statement cycle.
Account Opening and
Opening and Usage
Usage
PaperNo
Statements
Interest Bearing
Paper
Statements
No Charge
Check
Image Service
Charge
Check ImageeStatements
Service Charge
$3.00Image
with Check
eStatements
withDeposits
Check Image
No Charge
Returned
or Cashed
Item Fee
Returned Deposits or Cashed Item Fee FNB
$12.00
ATM Fee
FNB ATM (Foreign
Fee NoATM
Charge
ATM Withdrawal
Fee)
ATM Withdrawal (Foreign ATM Fee)
$2.50
Stop Item
Charge
Stop Item Charge $37.00
Overdraft
Options
and Fees
Per item
Overdrafts for checks, in-person withdrawals, automatic bill payments or other
using withdrawals,
your account automatic
number may
authorized
and paid, on a case by
Overdrafts for transactions
checks, in-person
bill be
payments
or other
caseyour
basis.
Overdraft
and Returned
Item Feesand
do apply.
transactions using
account
number
may be authorized
paid, on a case by
case basis. Overdraft
and Returned
Item
Fees dodebit
apply.
Overdrafts
for everyday
one-time
card transactions and ATM transactions are n
Standard Overdraft Practices
authorized
and paid,debit
unless
you
allow FNB and
to doATM
so. transactions
These are declined
Overdrafts
for
everyday
one-time
card
transactions
are notat no cost.
Standard Overdraft Practices
ask usyou
for allow
information
services
offer that
may
be suitable for you
authorized andPlease
paid, unless
FNB toon
doother
so. These
arewe
declined
at no
cost.
such
as an overdraft
protection
or linkthat
to amay
checking,
savings,
or money market
Please ask us for
information
on other
servicesplan
we offer
be suitable
for you,
account.
Overdraft
such as an overdraft
protection plan or link to a checking, savings, or money market
Options
account.
Fee assessed each time an item is paid or returned unpaid.
Overdraft Fee & Returned Item
Fee (NSF) $37.00
and
Fees Fee & Returned ItemContinuous
Fee assessed
every
3 business
days unpaid.
that your account remains
Fee assessed each
time an item
is paid
or returned
Overdraft
Fee (NSF) Overdraft
$37.00 Fee $12.00
overdrawn.
Continuous Overdraft Fee $12.00
Fee assessed every
3 business days that your account remains
overdrawn.
Per transfer linked to a checking, savings, or money market account.
$10.00
$10.00
Overdraft Protection
$10.00 Fee
Overdraft Protection Fee
Processing
Policies
No Charge
$3.00
Fee assessed per month for check images in addition to paper statement
No
Charge
Fee
assessed per
monthservice
for check
images
additiontoto$5.00
paper with
statements.
Monthly
charge
is inreduced
eStatements.
$12.00
Monthly serviceFor
charge
is reduced
to $5.00
with that
eStatements.
each item
you deposit
or cash
is returned unpaid.
For
each item you deposit or cash that is returned unpaid.
No
Charge
$2.50
Per transaction plus any fees the ATM owner charges.
$37.00
Per transactionPer
plus
any fees the ATM owner charges.
item
Transfers
from a personal
of credit.
Transfers
from lines of credit
$10.00
Per transfer linked
to a checking,
savings,line
or money
market
account.
subject to
the Applicable
Agreement
Transfers fromare
a personal
linethe
of terms
credit.ofTransfers
from lines
of creditand/or Disclosur
Statement,
shall include,
but not and/or
limitedDisclosure
to, interest charged on
are subject to the
terms ofwhich
the Applicable
Agreement
amounts
transferred.
Statement, which
shall include,
but not limited to, interest charged on
amounts transferred.
Posting Order Generally, each business day* FNB will:
add all
credits
Generally,
business
day*
FNBand
will:deposits that are available
The Posting
order inOrder
which deposits
andeachFirst,
Next, and
subtract
any that
debitare
items.
These include checks, withdrawals, other payments
add all credits
deposits
available
processed.
The order in which withdrawals
deposits andare First,
and account fees. Please see the Deposit Account Agreement for full details.
withdrawals are processed. Next, subtract any debit items. These include checks, withdrawals, other payments
and account fees. Please
the Deposit Account Agreement forType
full details.
Funds see
Availability
of Deposit
Same business day*
Checks drawn
FNB, electronic direct deposits, wire
Funds Availability
Type ofon
Deposit
Processing
and cash deposits
made towire
a FNB teller.
Same business day*
Checks drawn transfers
on FNB, electronic
direct deposits,
Policies
transfers
and
cash
deposits
made
to
a
FNB
teller.
Funds Availability
Next business day*
Deposits at ATMs, check drawn on another bank, mobile
When funds
to your account
Fundsdeposited
Availability
banking
deposits.
Next business day*
Deposits at ATMs,
check
drawn on another bank, mobile
are
available.
When funds deposited to your account
NOTE: You will be notified in the event that a longer hold
banking deposits.
are available.
applied
to
your
deposit.
NOTE: You will be notified in the
event that a longer hold is
*A "business applied
day" is to
Monday
through Friday excluding federal holidays. Please see th
your deposit.
Deposit
Account
Agreement
cut off times
and
full details
on Funds
Availability.
*A "business day"
is Monday
through
Fridayfor
excluding
federal
holidays.
Please
see the
Deposit Account Agreement for cut off times and full details on Funds Availability.
We encourage you to promptly reach out to us to report a lost or stolen card/password or report unauthorized transactions. Please
topromptly
the Deposit
Account
full details
oncard/password
Electronic FundorTransfers.
We encourage refer
you to
reach
out to Agreement
us to reportfor
a lost
or stolen
report unauthorized transactions. Please
Dispute
refer to the Deposit Account Agreement for full details
on
Electronic
Fund
Transfers.
Mail 4140 East State
Street, Hermitage, PA 16148
Dispute Resolution
Resolution
Mail
In Person
By Phone
4140
East State
Street,
PA 16148
In Person
Visit
us at Hermitage,
any FNB branch,
find the location nearest you at fnb-online.com.
Visit
at any 1-800-555-5455
FNB branch, find the location nearest you at fnb-online.com.
Byus
Phone
1-800-555-5455
Member FDIC
Member FDIC
-1992 Wolters Kluwer Financial Services - Bankers Systems* Form TIS-BRO 8/19/92 Custom 4t 4354254-010
-1992 Wolters Kluwer Financial Services - Bankers Systems* Form TIS-BRO 8/19/92 Custom 4t174354254-010 MDF. EPATIS11
MDF. EPATIS11
(page 2 of
(page 2 of 2)
4140 East State Street
Hermitage,
PA 16148
4140 East State
Street
www.fnb-online.com
Hermitage,
PA 16148
phone
800-555-5455
www.fnb-online.com
phone 800-555-5455
Student Checking Account Truth-in-Savings Disclosure
Student Checking Account Truth-in-Savings Disclosure
MINIMUM BALANCE TO OPEN ACCOUNT
MINIMUM
BALANCE
TO
ACCOUNT
You must deposit
$50.00
to OPEN
open this
account online. No minimum requirement if opening in-branch.
You must deposit $50.00 to open this account online. No minimum requirement if opening in-branch.
FEES
FEES
For the fees that may be assessed against your account and other account details, please see the Personal Account Fee Schedule.
For the fees that may be assessed against your account and other account details, please see the Personal Account Fee Schedule.
-1992 Wolters Kluwer Financial Services - Bankers Systems*
-1992 Wolters Kluwer Financial Services - Bankers Systems*
Form TIS-BRO 8/19/92 Custom 4t 4354301-010
MDF. EPATIS13
(page 1 of 2)
Form TIS-BRO 8/19/92 Custom 4t 4354301-010
MDF. EPATIS13
(page 1 of 2)
18
Studen
Student
Checking
Accoun
Checking
Account
Product Number 24001 Class Code
This summary is to help you understand the basic terms and conditions of your account. See the
Personal
Account
FeeClass
Schedule
and the Dep
Product
Number
24001
Code 40
Agreement
for full details.
This summaryAccount
is to help
you understand
the basic terms and conditions of your account. See the Personal Account Fee Schedule and the Deposit
Account Agreement for full details.
Minimum Deposit to Open Account $50.00 minimum to open online. No minimum to open in-branch.
Minimum Deposit to Open Account
$50.00
minimum
to open online. No minimum to open in-branch.
No Charge
Service
Charge
No Charge
Service Charge
Interest
Bearing No
Interest Bearing
No Charge
Service
$2.00
Fee assessed per month for paper statements.
Service
Chargewith$2.00
Fee
assessed per month for paper statements.
Check
Image
Statement
No
Charge
Account
with Statement
No Charge
eStatements
with Check
Image No Charge
Account Opening and Check Image
eStatements
with
Check
Image
NoItem
Charge
Returned
Deposits
or
Cashed
Fee $12.00
For each item you deposit or cash that is returned unpaid.
Opening and Usage
Returned Deposits or Cashed Item FeeFNB
$12.00
For
each item you deposit or cash that is returned unpaid.
Usage
ATM Fee No
Charge
FNB ATM(Foreign
Fee No
Charge
ATM Withdrawal
ATM
Fee) $2.50
Per transaction plus any fees the ATM owner charges.
ATM Withdrawal (Foreign ATM Fee) $2.50
Per transaction
plus(2)
any
fees theper
ATM
owner charges.
Two
refunded
statement
cycle.
Stop Item Charge
Stop Item Charge $37.00
Overdraft
Options
and Fees
Two (2) refunded
per statement cycle.
Per item
$37.00
Per item
Overdrafts for checks, in-person withdrawals, automatic bill payments or other
using your
account number
may
authorized
and paid, on a case by
Overdrafts fortransactions
checks, in-person
withdrawals,
automatic
billbe
payments
or other
case your
basis.account
Overdraft
and Returned
Item Fees and
do apply.
transactions using
number
may be authorized
paid, on a case by
case basis. Overdraft and Returned Item Fees do apply.
Overdrafts for everyday one-time debit card transactions and ATM transactions are no
Standard Overdraft Practices
and paid,debit
unless
youtransactions
allow FNB to
doATM
so. These
are declined
Overdrafts forauthorized
everyday one-time
card
and
transactions
are notat no cost.
Standard Overdraft Practices
us you
for information
services
offer that
may
be suitable for you,
authorized andPlease
paid, ask
unless
allow FNB toondoother
so. These
arewe
declined
at no
cost.
as an overdraft
protection
linkthat
to amay
checking,
savings,
money market
Please ask us such
for information
on other
servicesplan
we or
offer
be suitable
for or
you,
account.
such as an overdraft
protection plan or link to a checking, savings, or money market
Overdraft
Overdraft Fee & Returned Itemaccount.
Fee (NSF) $37.00
Fee assessed each time an item is paid or returned unpaid.
Options
Overdraft Fee & Returned ItemContinuous
Fee (NSF) Overdraft
$37.00 Fee $12.00
Fee assessed each
time an item
or returned
unpaid.
Fee assessed
everyis 3paid
business
days that
your account remains
and Fees
Continuous Overdraft Fee $12.00
Fee assessed overdrawn.
every 3 business days that your account remains
overdrawn.
$10.00
Per transfer linked to a checking, savings, or money market account.
$10.00
Per transfer linked to a checking, savings, or money market account.
$10.00
Transfers from a personal line of credit. Transfers from lines of credit
subject to
theofterms
the Applicable
Agreement
and/or Disclosure
Transfers fromare
a personal
line
credit.ofTransfers
from lines
of credit
shall include,
but not limited
to, interest charged on
are subject to Statement,
the terms ofwhich
the Applicable
Agreement
and/or Disclosure
amounts
Statement, which
shall transferred.
include, but not limited to, interest charged on
amounts transferred.
Overdraft Protection Fee
Overdraft Protection Fee $10.00
Posting Order Generally, each business day* FNB will:
First,
add all
credits
deposits that are available
Generally,
business
day*
FNBand
will:
The order
in Order
which deposits
andeach
Posting
Next, subtract
any debit
items.
These include checks, withdrawals, other payments
First, add all credits
and deposits
that are
available
The order in whichwithdrawals
deposits andare processed.
and account fees. Please see the Deposit Account Agreement for full details.
withdrawals are processed. Next, subtract any debit items. These include checks, withdrawals, other payments
and account fees. Funds
Please Availability
see the Deposit Account Agreement for
full of
details.
Type
Deposit
Funds Availability
Type of
Same business day*
Checks drawn
onDeposit
FNB, electronic direct deposits, wire
Processing
cash deposits
made towire
a FNB teller.
Same business day*
Checks drawntransfers
on FNB, and
electronic
direct deposits,
Processing Policies
transfers and cash deposits made to a FNB teller.
Funds Availability
Next business day*
Deposits at ATMs, check drawn on another bank, mobile
When funds
to your account
Policies
Fundsdeposited
Availability
banking
deposits.
Next business day*
Deposits at ATMs,
check
drawn on another bank, mobile
When funds deposited to your account are available.
NOTE: You will be notified in the event that a longer hold
banking deposits.
are available.
applied
to
your
NOTE: You will be notified in deposit.
the event that a longer hold is
applied
to your deposit.
*A "business day"
is Monday
through Friday excluding federal holidays. Please see th
Deposit
Accountthrough
Agreement
forexcluding
cut off times
andholidays.
full details
on Funds
Availability.
*A "business day"
is Monday
Friday
federal
Please
see the
Deposit Account Agreement for cut off times and full details on Funds Availability.
Dispute
Resolution
We encourage you to promptly reach out to us to report a lost or stolen card/password or report unauthorized transactions. Please
the Deposit
Account
on card/password
Electronic Fundor
Transfers.
We encouragerefer
you to promptly
reach
out toAgreement
us to reportfora full
lostdetails
or stolen
report unauthorized transactions. Please
Dispute
refer to the Deposit Account Agreement for full details on Electronic Fund Transfers.
Mail 4140 East State Street, Hermitage, PA 16148
Resolution
Mail 4140
East State
Hermitage,
PA 16148
In Person
VisitStreet,
us at any
FNB branch,
find the location nearest you at fnb-online.com.
In Person Visit
us at any1-800-555-5455
FNB branch, find the location nearest you at fnb-online.com.
By Phone
By Phone 1-800-555-5455
Member FDIC
Member FDIC
-1992 Wolters Kluwer Financial Services - Bankers Systems* Form TIS-BRO 8/19/92 Custom 4t 4354301-010
-1992 Wolters Kluwer Financial Services - Bankers Systems* Form TIS-BRO 8/19/92 Custom 4t 4354301-010 MDF. EPATIS13
19
MDF. EPATIS13
(page 2 of 2
(page 2 of 2)
4140 East State Street
Hermitage,
PA 16148
4140 East State
Street
www.fnb-online.com
Hermitage,
PA 16148
phone
800-555-5455
www.fnb-online.com
phone 800-555-5455
FirstRate Savings Account Truth-in-Savings Disclosure
FirstRate Savings Account Truth-in-Savings Disclosure
RATE INFORMATION
As of July
1, 2015
RATE
INFORMATION
As of
2015
TierJuly
1 1,
- If
your daily balance is $999.99 or less, the interest rate paid on the entire balance in your account will be
0.01%
annual
percentage
yield
of 0.01%.
Tier 1 with
- If an
your
daily
balance is
$999.99
or less, the interest rate paid on the entire balance in your account will be
Tier 2 -with
If your
daily balance
is more
$999.99, but less than $2,500.00, the interest rate paid on the entire balance in your
0.01%
an annual
percentage
yieldthan
of 0.01%.
account
be 0.02%
with anisannual
percentage
yield
0.02%.
Tier 2 - will
If your
daily balance
more than
$999.99,
butofless
than $2,500.00, the interest rate paid on the entire balance in your
Tier 3 - will
If your
daily balance
more percentage
than $2,499.99,
but0.02%.
less than $10,000.00, the interest rate paid on the entire balance in
account
be 0.02%
with anisannual
yield of
your 3
account
willdaily
be 0.03%
with
an annual
of 0.03%.
Tier
- If your
balance
is more
than percentage
$2,499.99,yield
but less
than $10,000.00, the interest rate paid on the entire balance in
Tier
- If your
balance
is more
than percentage
$9,999.99,yield
but less
than $25,000.00, the interest rate paid on the entire balance in
your 4
account
willdaily
be 0.03%
with
an annual
of 0.03%.
your 4
account
willdaily
be 0.04%
with
an annual
of 0.04%.
Tier
- If your
balance
is more
than percentage
$9,999.99,yield
but less
than $25,000.00, the interest rate paid on the entire balance in
Tier
- If your
balance
is more
than percentage
$24,999.99,yield
but of
less
than $50,000.00, the interest rate paid on the entire balance in
your 5
account
willdaily
be 0.04%
with
an annual
0.04%.
your
account
willdaily
be 0.04%
with
an annual
0.04%.
Tier 5
- If your
balance
is more
than percentage
$24,999.99,yield
but of
less
than $50,000.00, the interest rate paid on the entire balance in
Tier account
6 - If your
daily
balance
or more,
theofinterest
your
will be
0.04%
with isan$50,000.00
annual percentage
yield
0.04%. rate paid on the entire balance in your account will be
0.05%
annual
of 0.05%.
Tier
6 with
- If an
your
dailypercentage
balance is yield
$50,000.00
or more, the interest rate paid on the entire balance in your account will be
Your0.05%
interest
rate
annual
percentage
yield
may change.
with
anand
annual
percentage
yield
of 0.05%.
Your interest rate and annual percentage yield may change.
FREQUENCY OF RATE CHANGES
FREQUENCY
CHANGES
We may changeOF
theRATE
interest
rate on your account at any time.
We may change the interest rate on your account at any time.
DETERMINATION OF RATE
DETERMINATION
RATE
At our discretion, weOF
may
change the interest rate on your account.
At our discretion, we may change the interest rate on your account.
COMPOUNDING AND CREDITING FREQUENCY
COMPOUNDING
AND CREDITING
FREQUENCY
Interest will be compounded
every quarter.
Interest will be credited to your account every quarter.
Interest will be compounded every quarter. Interest will be credited to your account every quarter.
EFFECT OF CLOSING AN ACCOUNT
EFFECT
OFyour
CLOSING
ACCOUNT
If
you close
accountAN
before
interest is credited, you will not receive the accrued interest.
If you close your account before interest is credited, you will not receive the accrued interest.
MINIMUM BALANCE TO OPEN THE ACCOUNT
MINIMUM
BALANCE
TO
THE
ACCOUNT
You
must deposit
$50.00
to OPEN
open this
account
online. No minimum requirement if you open the account in-branch.
You
must deposit
$50.00
to AVOID
open this
account online.
minimum requirement if you open the account in-branch.
MINIMUM
BALANCE
TO
IMPOSITION
OFNo
FEES
MINIMUM
AVOID IMPOSITION
OF FEES
For the feesBALANCE
applicable TO
to accounts
which do not maintain
minimum balance requirements, please see the Personal Account Fee
Schedule.
For
the fees applicable to accounts which do not maintain minimum balance requirements, please see the Personal Account Fee
Schedule.
DAILY BALANCE COMPUTATION METHOD
DAILY
COMPUTATION
METHOD
We
use BALANCE
the daily balance
method to calculate
the interest on your account. This method applies a daily periodic rate to the principal
in
each
day. method to calculate the interest on your account. This method applies a daily periodic rate to the principal
Wethe
useaccount
the daily
balance
in the account each day.
ACCRUAL OF INTEREST ON NONCASH DEPOSITS
ACCRUAL
OFto
INTEREST
DEPOSITS
Interest
begins
accrue no ON
laterNONCASH
than the business
day we receive credit for the deposit of noncash items (for example, checks).
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
FEES
FEES
For the fees that may be assessed against your account and other account details, please see the Personal Account Fee Schedule.
For the fees that may be assessed against your account and other account details, please see the Personal Account Fee Schedule.
Member FDIC
Member FDIC
-1992 Wolters Kluwer Financial Services - Bankers Systems*
-1992 Wolters Kluwer Financial Services - Bankers Systems*
Form TIS-BRO 8/19/92 Custom 4t 4223014-010
MDF. EPATISB5
(page 1 of 1)
Form TIS-BRO 8/19/92 Custom 4t 4223014-010
MDF. EPATISB5
(page 1 of 1)
20
4140 East State Street
Hermitage, PA 16148
4140
East State Street
www.fnb-online.com
Hermitage,
PA 16148
phone 800-555-5455
www.fnb-online.com
phone 800-555-5455
FirstRateMoneyMarket Account Truth-in-Savings Disclosure
FirstRateMoneyMarket Account Truth-in-Savings Disclosure
RATE INFORMATION
As
of INFORMATION
July 1, 2015
RATE
As of
TierJuly
1 -1,If2015
your daily balance is $9,999.99 or less, the interest rate paid on the entire balance in your account will be
0.04% with an annual percentage yield of 0.04%.
Tier 1 - If your daily balance is $9,999.99 or less, the interest rate paid on the entire balance in your account will be
Tier 2 - If your daily balance is more than $9,999.99, but less than $25,000.00, the interest rate paid on the entire balance in
0.04% with an annual percentage yield of 0.04%.
your 2
account
willdaily
be 0.04%
with
an annual
of 0.04%.
Tier
- If your
balance
is more
than percentage
$9,999.99,yield
but less
than $25,000.00, the interest rate paid on the entire balance in
Tier
3
If
your
daily
balance
is
more
than
$24,999.99,
but
less
than $50,000.00, the interest rate paid on the entire balance in
your account will be 0.04% with an annual percentage yield of
0.04%.
your
account
willdaily
be 0.05%
with
an annual
0.05%.
Tier 3
- If your
balance
is more
than percentage
$24,999.99,yield
but of
less
than $50,000.00, the interest rate paid on the entire balance in
Tier 4
- If your
balancewith
is more
than $49,999.99,
but less
than $100,000.00, the interest rate paid on the entire balance in
your
account
willdaily
be 0.05%
an annual
percentage yield
of 0.05%.
your
account
willdaily
be 0.08%
an annual
percentage yield
of 0.08%.
Tier 4
- If your
balancewith
is more
than $49,999.99,
but less
than $100,000.00, the interest rate paid on the entire balance in
Tier
5
If
your
daily
balance
is
more
than
$99,999.99,
but
less
than $1,000,000.00, the interest rate paid on the entire balance
your account will be 0.08% with an annual percentage yield of 0.08%.
in
your
will be
0.10%iswith
anthan
annual
percentagebut
yield
0.10%.
Tier
5 -account
If your daily
balance
more
$99,999.99,
lessofthan
$1,000,000.00, the interest rate paid on the entire balance
Tier
6
If
your
daily
balance
is
$1,000,000.00
or
more,
the
interest
rate paid on the entire balance in your account will be
in your account will be 0.10% with an annual percentage yield of 0.10%.
0.20%
with
an
annual
percentage
yield
of
0.20%.
Tier 6 - If your daily balance is $1,000,000.00 or more, the interest rate paid on the entire balance in your account will be
Your0.20%
interest
rate
annual
percentage
yield
may change.
with
anand
annual
percentage
yield
of 0.20%.
Your interest rate and annual percentage yield may change.
FREQUENCY OF RATE CHANGES
We may change the interest rate on your account at any time.
FREQUENCY OF RATE CHANGES
We
may change the OF
interest
rate on your account at any time.
DETERMINATION
RATE
At our discretion, we may change the interest rate on your account.
DETERMINATION OF RATE
At
our discretion, we
mayCREDITING
change the interest
rate on your account.
COMPOUNDING
AND
FREQUENCY
Interest will be compounded every month. Interest will be credited to your account every month.
COMPOUNDING AND CREDITING FREQUENCY
Interest
compounded
month. Interest will be credited to your account every month.
EFFECTwill
OFbe
CLOSING
AN every
ACCOUNT
If you close your account before interest is credited, you will not receive the accrued interest.
EFFECT OF CLOSING AN ACCOUNT
If
you closeBALANCE
your account
before
interest
is credited, you will not receive the accrued interest.
MINIMUM
TO
OPEN
THE ACCOUNT
You must deposit $50.00 to open this account online. No minimum requirement if you open the account in-branch.
MINIMUM BALANCE TO OPEN THE ACCOUNT
You
must deposit
$50.00
to AVOID
open this
account online.
minimum requirement if you open the account in-branch.
MINIMUM
BALANCE
TO
IMPOSITION
OFNo
FEES
For the fees applicable to accounts which do not maintain minimum balance requirements, please see the Personal Account Fee
MINIMUM
BALANCE TO AVOID IMPOSITION OF FEES
Schedule.
For the fees applicable to accounts which do not maintain minimum balance requirements, please see the Personal Account Fee
Schedule.
DAILY BALANCE COMPUTATION METHOD
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal
DAILY BALANCE COMPUTATION METHOD
in the account each day.
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal
day.
in
the account
ACCRUAL
OFeach
INTEREST
ON NONCASH DEPOSITS
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
ACCRUAL OF INTEREST ON NONCASH DEPOSITS
Interest
FEES begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
For
the fees that may be assessed against your account and other account details, please see the Personal Account Fee Schedule.
FEES
For the fees that may be assessed against your account and other account details, please see the Personal Account Fee Schedule.
-1992 Wolters Kluwer Financial Services - Bankers Systems*
Form TIS-BRO 8/19/92 Custom 4t 4354408-010
MDF. EPATIS17
(page 1 of 2)
-1992 Wolters Kluwer Financial Services - Bankers Systems* Form TIS-BRO 8/19/92 Custom 4t 4354408-010
MDF. EPATIS17
(page 1 of 2)
21
FirstRate Mone
FirstRate
Money
Market
Accoun
Market Account
Product Number 22221 Class Code
This summary is to help you understand the basic terms and conditions of your account. See the
Personal
Account
Fee
Schedule
and the Dep
Product
Number
22221
Class
Code 22
Agreement
for full details.
This summaryAccount
is to help
you understand
the basic terms and conditions of your account. See the Personal Account Fee Schedule and the Deposit
Account Agreement for full details.
Minimum Deposit to Open Account
$50.00 minimum to open online. No minimum to open in-branch.
Charge
$10.00
If the
to avoid
the monthly service charge are not met.
Minimum Deposit to Open AccountService
$50.00
minimum
to open online.
Norequirements
minimum to open
in-branch.
Service
Charge
If the requirements to avoid the monthly service charge are not met.
Avoid the
Service
Charge $10.00
if You Meet
$5,000 or more average daily balance.
the Following
During
Statement Cycle
Avoid the Service
Charge
if Youthe
Meet
$5,000 or more average daily balance.
the Following During the Statement Cycle
Interest Bearing Yes
Account
Paper Yes
Statements
Interest Bearing
Account Opening and
Check
Image withNo
Statement
Paper
Statements
Charge
Opening and Usage
eStatements
with Check
Image
No Charge
Check Image
with Statement
Usage
Returned
or Cashed
Item Fee
eStatements
withDeposits
Check Image
No Charge
ATM Fee
$12.00
Returned Deposits or Cashed Item Fee FNB
ATM Withdrawal
Fee)
Charge
FNB ATM(Foreign
Fee NoATM
Stop Item
Charge
$2.50
ATM Withdrawal (Foreign ATM Fee)
Stop Item Charge
Overdraft
Options
and Fees
$37.00
No Charge
No Charge
No Charge
$12.00
For each item you deposit or cash that is returned unpaid.
No
ForCharge
each item you deposit or cash that is returned unpaid.
$2.50
Per transaction plus any fees the ATM owner charges.
$37.00
item
Per transactionPer
plus
any fees the ATM owner charges.
Per item
Overdrafts for checks, in-person withdrawals, automatic bill payments or other
using withdrawals,
your account automatic
number may
authorized
and paid, on a case by
Overdrafts for transactions
checks, in-person
bill be
payments
or other
caseyour
basis.
Overdraft
and Returned
Item Feesand
do apply.
transactions using
account
number
may be authorized
paid, on a case by
case basis. Overdraft
and Returned
Item
Fees dodebit
apply.
Overdrafts
for everyday
one-time
card transactions and ATM transactions are no
Standard Overdraft Practices
authorized
and paid,debit
unless
you
allow FNB to
doATM
so. These
are declined
Overdrafts
for
everyday
one-time
card
transactions
and
transactions
are notat no cost.
Standard Overdraft Practices
ask us you
for information
services
offer that
may
be suitable for you,
authorized andPlease
paid, unless
allow FNB toon
doother
so. These
arewe
declined
at no
cost.
such
as an overdraft
protection
linkthat
to amay
checking,
savings,
or money market
Please ask us for
information
on other
servicesplan
we or
offer
be suitable
for you,
account.
such as an overdraft
protection plan or link to a checking, savings, or money market
Overdraft Fee & Returned Itemaccount.
Fee (NSF) $37.00
Fee assessed each time an item is paid or returned unpaid.
Overdraft
Options
Overdraft Fee & Returned ItemContinuous
Fee (NSF) Overdraft
$37.00 Fee
and
Fees
Continuous Overdraft Fee
$12.00
overdrawn.
$10.00
Per transfer linked to a checking, savings, or money market account.
Per transfer linked to a checking, savings, or money market account.
Transfers from a personal line of credit. Transfers from lines of credit
$10.00
subject to
the
the Applicable
Agreement
and/or Disclosure
Transfers fromare
a personal
line
ofterms
credit.ofTransfers
from lines
of credit
shall include,
but not and/or
limited Disclosure
to, interest charged on
are subject to Statement,
the terms ofwhich
the Applicable
Agreement
amounts
transferred.
Statement, which
shall include,
but not limited to, interest charged on
$10.00
Overdraft Protection Fee
Overdraft Protection Fee
$12.00
Fee assessed
every
business
days that
your account remains
Fee assessed each
time an item
is 3
paid
or returned
unpaid.
overdrawn.
Fee assessed every
3 business days that your account remains
$10.00
amounts transferred.
Processing
Policies
Posting Order Generally, each business day* FNB will:
add all
credits
The Posting
order inOrder
which deposits
andeachFirst,
Generally,
business
day*
FNBand
will:deposits that are available
Next, and
subtract
any that
debitare
items.
These include checks, withdrawals, other payments
processed.
add all credits
deposits
available
The order in which withdrawals
deposits andare First,
and account fees. Please see the Deposit Account Agreement for full details.
withdrawals are processed. Next, subtract any debit items. These include checks, withdrawals, other payments
Funds Availability
of Deposit
and account fees. Please
see the Deposit Account Agreement forType
full details.
Same business day*
Checks drawn
FNB, electronic direct deposits, wire
Funds Availability
Type ofon
Deposit
Processing
and cash deposits
made towire
a FNB teller.
Same business day*
Checks drawn transfers
on FNB, electronic
direct deposits,
Policies
Funds Availability
transfers
and
cash
deposits
made
to
a
FNB
teller.
Next business day*
Deposits at ATMs, check drawn on another bank, mobile
When funds
to your account
banking
deposits.
Fundsdeposited
Availability
Next business day*
Deposits at ATMs,
check
drawn on another bank, mobile
are
available.
NOTE: You will be notified in the event that a longer hold
When funds deposited to your account
banking deposits.
to your
deposit.
are available.
NOTE: You willapplied
be notified
in the
event that a longer hold is
*A "business applied
day" is to
Monday
through Friday excluding federal holidays. Please see th
your deposit.
Deposit
Accountthrough
Agreement
cut off times
and
full details
on Funds
Availability.
*A "business day"
is Monday
Fridayfor
excluding
federal
holidays.
Please
see the
Deposit Account Agreement for cut off times and full details on Funds Availability.
We encourage you to promptly reach out to us to report a lost or stolen card/password or report unauthorized transactions. Please
to promptly
the Deposit
Account
full details
oncard/password
Electronic FundorTransfers.
We encourage refer
you to
reach
out toAgreement
us to reportfor
a lost
or stolen
report unauthorized transactions. Please
Dispute
refer to the Deposit Account Agreement for full details
on Electronic
Fund
Transfers.
Mail
4140 East
State
Street, Hermitage, PA 16148
Dispute Resolution
Resolution
Mail
In Person
By Phone
In Person
Visit
us at Hermitage,
any FNB branch,
find the location nearest you at fnb-online.com.
4140
East State
Street,
PA 16148
By us
Phone
Visit
at any 1-800-555-5455
FNB branch, find the location nearest you at fnb-online.com.
1-800-555-5455
Member FDIC
Member FDIC
-1992 Wolters Kluwer Financial Services - Bankers Systems*
Form TIS-BRO 8/19/92 Custom 4t 4354408-010
-1992 Wolters Kluwer Financial Services - Bankers Systems* Form TIS-BRO 8/19/92 Custom 4t 4354408-010
22
MDF. EPATIS17
MDF. EPATIS17
(page 2 of 2
(page 2 of 2)
FirstRate Money
Market Account
Product Number 22221 Class Code 22
This summary is to help you understand the basic terms and conditions of your account. See the Personal Account Fee Schedule and the Deposit
Account Agreement for full details.
What You NeedMinimum
to Know
about Overdrafts
and Overdraft Fees
Deposit to Open Account
$50.00 minimum to open online. No minimum to open in-branch.
Service Charge
$10.00
If the requirements to avoid the monthly service charge are not met.
Avoid
the Service
if You
Meetenough money in your account
occurs
when
youCharge
do not
have
$5,000 or more average daily balance.
the Following During the Statement Cycle
An overdraft
to cover a transaction, but
we pay it anyway. We can cover your overdrafts in two different ways:
Interest Bearing Yes
1. We have standard overdraft
practices that come with your account and are also
Account
Paper Statements No Charge
Opening and
incorporated into
our
Overdraft
Services
program.
No Charge
Check Image with Statement
Usage
such as a line of credit* or link to a savings account,
2. We also offereStatements
overdraft
protection
with
Check Imageplans,
No Charge
$12.00
Returned
Deposits
or Cashed Item
Fee our
each item you
deposit or cash that is returned unpaid.
which may
be less
expensive
than
standardForoverdraft
practices.
To learn more,
FNB ATM Fee No Charge
ATM Withdrawal (Foreign ATM Fee) $2.50
ask us about these
plans. This notice
Stop Item Charge $37.00
Per transaction plus any fees the ATM owner charges.
explains
our standard overdraft practices.
Per item
Overdrafts for checks, in-person withdrawals, automatic bill payments or other
What are the standard overdraft practices transactions
that come
my account?
usingwith
your account
number may be authorized and paid, on a case by
case basis. Overdraft
and
Returned Item Fees do apply.
We do authorize and pay overdrafts for the following
types of
transactions:
for everyday
one-time
debit card
transactions and ATM transactions are not
Checks and ACH
transactions
made Overdrafts
using your
checking
account
number
Standard
Overdraft Practices
authorized and paid, unless you allow FNB to do so. These are declined at no cost.
Automatic bill payments
Please ask us for information on other services we offer that may be suitable for you,
such as an overdraft protection plan or link to a checking, savings, or money market
following types of transactions unless you ask us to
We will not authorize and pay overdrafts for the
account.
Overdraft
(see below): Overdraft Fee & Returned Item Fee (NSF) $37.00
Fee assessed each time an item is paid or returned unpaid.
Options
Continuous Overdraft Fee $12.00
Fee assessed every 3 business days that your account remains
ATM
transactions
and Fees
overdrawn.
Everyday debit card transaction.
Per transfer linked to a checking, savings, or money market account.
$10.00
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize
and pay any type of transaction.
Overdraft Protection Fee $10.00
Transfers from a personal line of credit. Transfers from lines of credit
are subject
the declined.
terms of the Applicable Agreement and/or Disclosure
willtobe
If we do not authorize and pay an overdraft, your transaction
.
.
.
.
Statement, which shall include, but not limited to, interest charged on
amounts transferred.
What fees will I be charged if First National Bank pays my overdraft?
Posting Order Generally, each business day* FNB will:
Under our standard overdraft
practices:
First, add all credits and deposits that are available
The order in which deposits and
subtract
include checks, withdrawals, other payments
We will charge you
a feeare
of processed.
up to $37Next,
each
timeany
wedebit
payitems.
an These
overdraft.
withdrawals
and account fees. Please see the Deposit Account Agreement for full details.
Also, if your account is overdrawn for 3 or
more consecutive business days,
we will charge an
Funds Availability
Type of Deposit
additional $12 every third business daySame
thatbusiness
your account
is
overdrawn.
day*
Checks drawn on FNB, electronic direct deposits, wire
Processing
transfers and cash your
deposits
made to a FNB teller.
There is no limit on the total fees we can charge you for overdrawing
account.
.
.
.
Policies
Funds Availability
When funds deposited to your account
are available.
Next business day*
Deposits at ATMs, check drawn on another bank, mobile
banking deposits.
NOTE: You will be notified in the event that a longer hold is
authorize and pay overdrafts
and everyday debit
applied toon
yourATM
deposit.
*A "business day" is Monday through Friday excluding federal holidays. Please see the
Deposit Account Agreement for cut off times and full details on Funds Availability.
What if I want First National Bank to
card transactions?
If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call
800-555-5455 or stop by your local branch office.
We encourage you to promptly reach out to us to report a lost or stolen card/password or report unauthorized transactions. Please
refer to the Deposit Account Agreement for full details on Electronic Fund Transfers.
Dispute
* A line
of credit cannot be linked to a Health Savings
Mail Account
4140 East ("HSA").
State Street, Hermitage, PA 16148
Resolution
In Person Visit us at any FNB branch, find the location nearest you at fnb-online.com.
By Phone
1-800-555-5455
Member FDIC
-1992 Wolters Kluwer Financial Services - Bankers Systems*
Form TIS-BRO 8/19/92 Custom 4t 4354408-010
23
MDF. EPATIS17
(page 2 of 2)
Revised 06/01/2015
FirstRate BANK
Money
FIRST NATIONAL
OFMarket
PENNSYLVANIA
Account
Product
Number
22221 Class Code 22
ATM/DEBIT CARD AGREEMENT
This summary is to help you understand the basic terms and conditions of your account. See the Personal Account Fee Schedule and the Deposit
Account Agreement for full details.
TRANSACTIONS AVAILABLE Your Card and PIN can give you access
This ATM/Debit Card Agreement (Agreement) applies to all
to yourtochecking,
savings,
money market
line of credit accounts.
transactions resulting fromMinimum
the use Deposit
of your ATM/Debit
Card through
to Open Account
$50.00 minimum
open online.
No minimum
to openand
in-branch.
You may select in advance the account(s) you wish to have access to
an automated teller machine (ATM), a Point-of-Sale (POS) terminal
Service Charge $10.00
If the requirements to avoid the monthly service charge are not met.
through your Card(s) and PIN. We must approve the account(s) that
or any other use of the Card(s), whether electronic or not. In this
Avoid the Service Charge if You Meet
you choose.
Agreement the words “you” and “your” mean all account owners
$5,000 or more
average daily balance.
the Following
During
thetheir
Statement
Cycleuser(s).
who sign as Card applicants
and/or
any of
authorized
Only your checking account may be accessed at POS terminals
Interest
Yes
The words “we”, “us”, “our”, and “the Bank”
meanBearing
First National
with the VISA® Debit Card. The primary account (either checking or
Paper
Charge
BankAccount
of Pennsylvania. The word “Card” refers
to Statements
either a Star® No
ATM
savings) may be accessed at POS terminals with the Star® ATM Card.
andCard.
orOpening
VISA® Debit
Check Image with Statement No Charge
There are federal rules limiting the number of transfers each month
Usage
eStatements
Check
Image
No Chargeor statement cycle from your savings and money market accounts.
ACCEPTANCE and AUTHORIZATION
Youwith
accept
this
Agreement
$12.00 These
Returned
Deposits
or Cashed
Itemor
Fee
Forrules
eachare
item
you deposit
cash that
is returned
unpaid.
by signing an application
requesting
a Card,
accepting
keeping
outlined
in theorDeposit
Account
Agreement
FNB ATM
Fee No Chargeprovided to you earlier.
your Card, or by using the Card yourself or allowing
someone
$2.50
ATM
Withdrawal
(Foreign ATM
Fee) EFT
Per transaction plus any fees the ATM owner charges.
else to use it (activating the
Card).
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of these
A. ATM Transactions Transactions at ATM terminals require the use
(electronic funds transfer) services made available
to Charge
you and any
$37.00
Stop Item
Per item
of your
Card and PIN. You may use your Card at our Bank’s ATM
other person using EFT services in conjunction with your deposit
terminals, or at any ATM located throughout the United States and
and line of credit account(s) (who, by such use, agree to be bound
®
foreign
countries
which bears
the Star
logo or the
logo
Overdraftsin
forcertain
checks,
in-person
withdrawals,
automatic
bill payments
or other
hereby as though such users were you) you jointly and individually
of
any
network
identified
on
your
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amount
of transfers
and
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on a case
by
agree to the terms and conditions described in this Agreement.
case basis.withdrawals
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is Returned
limited toItem
a total
of do
$500
per day, provided you have
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ithdraw
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ransfer funds between your checking, regular savings and money
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disclosed,
but
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market accounts and from your line of credit account(s) to your
and Fees
overdrawn.
not limited to the Bank’s right of offset.
checking account(s);
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to a checking,
or money
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btain
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information
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to use your Card to make only the types of transfers and to obtain
of credit accounts; balance information may not reflect pending
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a personal
line ofshould
credit. Transfers
lines
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access to the account(s) you have requested
advanceFee
and we
or outstanding
items.
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are subject
to the terms of the Applicable Agreement and/or Disclosure
have approved. If through some error, your Card allows you to
accurate
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withdraw funds from an account that you should not be allowed to
•D
eposit
funds
to your checking, savings and/or money market
amounts
transferred.
use, we may charge the amounts involved in the transaction to an
accounts provided the ATM (if not owned by the bank) participates
account you are approved to use.
in a shared deposit program.
Generally, •each
business
day* FNB(at
will:
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ake
loan payments
ATMs owned and operated by us) by
Posting
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YOU ALSO AGREE THAT IF YOU GIVE YOUR CARD (AND PIN)First,
TO add all credits and deposits that are available
The order in which deposits and
enclosing your check or cash in a deposit/payment envelope
SOMEONE ELSE TO USE, YOU ARE
AUTHORIZING
THEM
TO
ACT
Next,
subtract
any
debit
items.
These
include checks, withdrawals, other payments
withdrawals are processed.
with the
payment
coupon
or billing
statement
which
is
and accountalong
fees. Please
see
the Deposit
Account
Agreement
for full
details.
ON YOUR BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY
normally accepted at any of our offices.
Funds Availability
Type of Deposit
USE OF THE CARD BY THEM.
Checks drawn on FNB, electronic direct deposits,
wire
You further agree to NOT use your card for any illegal purposes,Same business day*
®
B. Point-of-Sale Transactions
your Card
andto
PIN–Star
You
Processing
transfers andusing
cash deposits
made
a FNB teller.
transactions
or purchases. This includes, but is not limited to:
®
®
may use your Star ATM Card and/or VISA Debit Card, along with
Policies
Funds
Availability
purchase
of lottery tickets using the Internet
if you
reside in a state
Next business day*
Deposits at ATMs, check drawn on another bank, mobile
your PIN, at any retail
establishment (Merchant) who maintains a
deposited
to your
account
banking deposits.
where lotteries are notWhen
legal;funds
payment
for other
forms
of illegal
®
are available.
Star POS terminal
or a You
shared
terminal
Star®hold is
NOTE:
willnetwork
be notified
in the displaying
event that athe
longer
wagering, betting or gambling; or, the purchase of illegal drugs.
logo to completeapplied
the following
types of transactions, up to
to your deposit.
Restricted transactions as defined in Federal Reserve Regulation
$2,500
day: through Friday excluding federal holidays. Please see the
*A "business
day"per
is Monday
GG are prohibited from being processed through this account
Deposit Account
Agreement
cut off
times and full details on Funds Availability.
•P
urchase
goods for
and/or
services;
or relationship.
•O
btain cash, in addition to your purchase, if this is permitted by
PERSONAL IDENTIFICATION NUMBER (PIN) The 4-digit numerical
the Merchant.
you to promptly
reach
out to us to report a lost or stolen card/password or report unauthorized
transactions. Please
PIN issued to you isWe
forencourage
security purposes.
The PIN
represents
®
C. Electronic
Point-of-Sale
refer to thetransactions
Deposit Account
full details on
FundTransactions
Transfers. without a PIN-VISA You may use your
your signature(s) authorizing
madeAgreement
using yourfor
Card(s),
VISA® Debit Card, for the following transactions:
Dispute
identifies
the bearer of the Card(s), and serves to validate
and 4140 East State Street, Hermitage, PA 16148
Mail
•P
urchase goods and/or services, up to $2,500 per day, from
Resolution
authenticate the directions given to complete the Card
transactions.
In Person
Visit us at any
FNB branch,
the location
at fnb-online.com.
®
Merchants
whofind
accept
the VISAnearest
debityou
card;
By
Phone
1-800-555-5455
YOU ARE RESPONSIBLE FOR SAFEKEEPING YOUR PIN. YOU AGREE
• Obtain cash advances, up to $500 per day, from any financial
TO TAKE ALL REASONABLE PRECAUTIONS SO NO ONE ELSE LEARNS
institution which accepts the VISA® debit card.
YOUR PIN AND YOU AGREE NOT TO DISCLOSE OR OTHERWISE
MAKE YOUR PIN AVAILABLE TO ANYONE NOT AUTHORIZED TO SIGN
ON YOUR DEPOSIT
AND/OR
LOAN ACCOUNT(S).
Member
FDIC
Your PIN should NOT be written on the Card or anywhere it is
available to others for use by lawful and/or unlawful means.
4t 4354408-010
MDF. EPATIS17
(page 2 of 2)
-1992 Wolters Kluwer Financial Services - Bankers Systems* Form TIS-BRO 8/19/92 Custom
24
RELATED FEES Fees for using ATMs not owned by the Bank, card
replacement, and stop payment requests are listed in our Fees Brochure.
To avoid ATM transaction fees, be sure to look for First National Bank’s
name and logo (flag with handshake) to be posted on the ATM. If you
use your Card at an ATM which we do not own, the ATM owner/operator
may also assess a transaction fee. Federal regulations require the ATM
owner to inform you of their fee amount and to permit you to cancel the
transaction prior to their fee being imposed.
D. Star® Bill Payment Service Star® Bill Payment Service allows Star®
cardholders to pay their monthly recurring bills in a card-not-present,
electronic format. Star® requires that participating billers display the
Star® logo and ensure cardholders have the choice in directing their
payments. Transactions initiated as Star® Bill Payment do not process
through the VISA® network therefore, should you choose to use Star®
when making a transaction without a PIN with your VISA® check/debit
card information, certain protections and rights applicable only to
VISA® check/debit card transactions may not apply to transactions
processed on the Star® network.
FOREIGN CURRENCY CHARGES If you incur a charge in a foreign
currency, the charge will be converted by VISA® International into
a United States dollar amount using the procedures in the VISA®
Operating Regulations in effect at the time the transaction is
processed. As of April 2005, this is either a rate selected by VISA®
from the range of rates available in wholesale currency markets
for the applicable central processing date, which may vary from
the rate VISA® itself receives or the government-mandated rate in
effect for the applicable central processing date, plus or minus any
adjustment determined by the Issuer. In addition, VISA®’s International
Service Assessment fee of up to 1% of the transaction amount on all
international transactions will be collected.
Point-of-Sale Transactions are limited to $2,500 per day - in total,
whether or not a PIN was required for each transaction.
You understand and agree that by using your Card at a Merchant’s
POS terminal, you are directing and authorizing us to withdraw funds
from your deposit account and are ordering us to make payment to
the Merchant for the amount of the purchase transaction and/or cash
you authorized by using your Card and PIN, when required. The full
amount of your POS Purchases or Cash Advances will be deducted
from your deposit account.
Use of the Card for a POS Purchase or Cash Advance is regarded
as a withdrawal from and/or a demand on your deposit account
at the time your Card is used, even if the transaction is not posted
immediately to your deposit account. After your Card transaction
(purchases or cash advances) is authorized, there may be a hold
placed on your deposit account. For POS transactions which do
not require a PIN, the merchant may choose the hold amount, or in
some instances, the bank has a predetermined hold amount that is
applied to the customer’s account. This hold will be released when
documentation matching the authorized transaction amount has
cleared through us or when the hold period expires (up to 3 days),
whichever occurs first. Your account will be debited for the amount
of the transaction upon receipt and processing of the supporting
documentation. You agree to release us from liability based upon
failure to authorize subsequent Card transfers and/or failure to pay
other items drawn on your account(s) because the processing of a
previously authorized Card transaction may not be complete.
OVERDRAFTS If you use your Card at an ATM or POS terminal to
overdraw your account: a) we will first attempt to access any other
deposit account you have designated for transfers to cover overdrafts;
b) secondly we will attempt to access your line of credit account with
our bank which you designated for use as overdraft protection; c) if
funds are not available from these sources, we may elect to pay the
overdraft under our Overdraft Services program provided you have
“opted in” to this service. You agree to pay our standard overdraft and
service fees and shall deposit sufficient funds into your deposit account
to cover the overdraft. We may charge the amount of the overdraft and
overdraft fee to any account you have with us, subject to applicable
law. If you have arranged for overdraft protection through a line of
credit with our Bank, you agree not to exceed the maximum amount
available to you. If we have to take steps to collect anything you owe
us as a result of an overdraft, you will pay reasonable collection costs,
such as attorney fees and any costs in connection with an appeal when
applicable, subject to any legal limitation.
DEPOSITS/WITHDRAWALS AT ATMs Deposits must be made before
7:30 p.m. ET on a business day to receive next day availability of the
funds. Cash deposits made before 7:30 p.m. ET on a business day
in FNB ATMs equipped with currency validation technology may be
made available the same day as the deposit.
AVAILABILITY AND OPERATION OF TERMINALS Although terminals
should generally be reliable, they may not operate properly at all
times. We, therefore, cannot promise you that they will always be
available for your use. To use your Card at an ATM or POS, follow
the instructions posted on the terminal or displayed on the terminal
screen. Never attempt to make a transfer when the terminal tells you,
or other circumstances give you reason to believe, that the terminal
is closed, or is not operating properly or does not allow you to make
the transfer you desire. Be sure to keep the receipt provided by
the terminal at the end of your transaction. We will not be liable for
damages resulting from the unavailability or failure of terminals to
operate, except as required by federal law.
If you use your Card and PIN to withdraw money from an account or
to withdraw money to transfer from one account to another account,
the amount of the withdrawal will be subtracted from your Available
Balance at the time of the transaction. If you are transferring to
another account that account will be credited immediately if the
transfer is made before 7:30 p.m. ET but may not be credited until the
next business day if made after 7:30 p.m. ET.
If there is any difference between the amount you write or indicate on
any deposit slip or payment stub made at our ATM and the amount we
find in the deposit or payment envelope, you agree that the amount we
find in the envelope is the correct amount.
CARD LIMITATIONS FOR SECURITY REASONS There is a limit to the
number of times you may use your Card each business day. You will be
denied use of your Card if you: a) exceed the daily withdrawal and/or
purchase limits; b) do not have sufficient funds available in your account
to complete the transaction; c) do not enter the correct PIN (where
required); or d) exceed the usage frequency limit. The receipt provided
by the terminal will notify you of the reason access was denied.
You agree that we have the right to verify deposit(s) made at ATMs
before we make the money available to you, or confirm funds are
available to honor checks deposited in an ATM for loan payment(s)
before the amount is applied to your loan account(s). If you deliver
cash, checks or other items to us through an ATM, you understand
and acknowledge that funds from that deposit may not be available
for immediate withdrawal and that the availability of your deposit shall
depend on our rules and regulations regarding the particular account in
which you have made the deposit and the items that were deposited.
You also understand and acknowledge that not all ATMs may accept
deposits or payments. You may NOT deposit any foreign currency.
For security purposes, there is a limit on the number of denied access
attempts. Exceed this limit and the ATM may keep your Card.
SECURITY AT ATM OR POS FACILITIES You agree that we are not
responsible for providing security guards or other security measures
at any ATM or POS terminal owned by us or others. We are however,
providing for your information a list of safety precautions regarding
the use of ATMs. Please read the following safety tips:
25
GENERAL This Agreement shall be governed by the laws of the
state in which the Card is issued without regard to the state’s
choice of law provision and except to the extent federal law is
applicable. Any omission or delay by us in exercising our rights
under this Agreement shall not constitute a waiver of those rights.
If any part of this Agreement is unenforceable, it will not make any
other part unenforceable.
• Be aware of your surrounding, particularly at night.
• Consider having someone accompany you when the automated
teller machine is used after dark.
•It is appropriate to politely ask someone who is uncomfortably
close to you to step back before you complete your transaction.
• Refrain from displaying your cash. Pocket it as soon as your
transaction is completed. Count the cash later in the safety of your
car or home.
• Consider using another automated teller machine or coming back
later if you notice anything suspicious. If you are in the middle of
a transaction and you notice something suspicious, cancel the
transaction, pocket your Card and leave.
• Go to the nearest public area where people are located if you are
followed after making a transaction.
• Report all crimes to law enforcement officials immediately.
FEDERAL ELECTRONIC FUNDS TRANSFER RULES
These rules are applicable only to consumer deposit accounts used
for personal, family or household purposes. For your convenience,
we have also included the federal rules relating to your line of credit
account when an ATM or Debit Card is used for access purposes.
CONSUMER LIABILITY FOR UNAUTHORIZED TRANSFERS You
are responsible for telling us AT ONCE if you believe your VISA®
Debit Card, STAR® ATM card, or PIN for either of these cards has
been lost or stolen, or if money is missing from your account, or if
you believe that an electronic fund transfer has been made without
your permission using information from your ATM or debit card.
Telephoning is the best way of keeping your possible losses down.
You could lose all the money in your deposit account(s) (plus your
maximum overdraft line of credit amount) if you take no action to
notify us. The fastest way to notify us of a lost or stolen VISA® Debit
Card, STAR® ATM card, or PINs for these cards is by calling us at
1-800-555-5455 or STAR® at 1-800-523-4175 (24 hours a day, seven
days a week).
OWNERSHIP AND TERMINATION OF CARD Your privileges to use
this Card may be canceled by us at anytime and the Card may not
be used by you or any other authorized user thereafter. Any card
not used in any 12 month consecutive period will be considered by
the Bank to be surrendered and will be canceled without additional
notification. The Card shall remain the property of the Bank and will
be surrendered upon demand or upon the closing of your account
with us. Your Card may not be used after we cancel it or if your Card
has expired. You, or any other party to your account, may terminate
this Agreement and cancel your Card by notifying us in person or
by writing to us at the address listed on your statement. Termination
of this Agreement will not affect the rights and responsibilities of
the parties under this Agreement for transactions initiated before
termination. Your Card is non-transferable.
If you tell us within two (2) business days after you learn of the loss or
theft of your VISA® Debit Card, STAR® ATM card or related PIN, you
can lose a maximum of $50.00 if someone uses your VISA® Debit Card,
STAR® ATM Card and PIN 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 or PIN, 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 $500.00. Your liability for
fraudulent VISA® point of sale transactions that take place on the VISA®
system is Zero dollars ($0.00).
DEFAULT You will be in default of this Agreement if: (a) you fail to
adhere to any of the terms or conditions outlined in this Agreement;
(b) bankruptcy proceeding are started by or against you or you
become insolvent; (c) you die or become legally incompetent; or
(d) you do not pay us any amount you owe us on time. If any of the
above happens, we can require that the entire balance you owe us
through the use of your Card be paid at once, without prior notice or
demand. We also can, without prior notice, take the balance owed to
us from any available deposit account you have with us.
Also, if your statement shows any electronic transfer that you did not
make, or authorize, tell us AT ONCE by calling 1-800-555-5455, or by
bringing your statement with you to a branch office, or by writing to
us at the address shown on your statement. If you do not tell us within
sixty (60) calendar days after the statement was mailed to you, you may
not get back any money lost after the sixty (60) days if we can prove
that we could have stopped someone from making the transfers if you
had told us in time. If a good reason (such as a long trip or hospital
stay) kept you from telling us, we will extend the time period.
AMENDMENTS OF THIS AGREEMENT You agree that from time
to time we may amend or change the terms of this Agreement,
including but not limited to amendments or changes to add further
Card services, to amend or change the charges for these services,
or to make changes to the Card’s transaction limitations. We will
notify you of such amendments or changes as outlined below. Your
use of the Card after the effective date of any such changes and/or
amendments shall constitute your acceptance of and agreement to
such changes and/or amendments.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC
TRANSFERS Telephone us at 1-800-555-5455 or write to us at the
address shown on your statement or billing notice as soon as
you can, if you think your statement or receipt is wrong or if you
need more information about POS or ATM transactions listed on
your deposit account statement, terminal receipt, or line of credit
statement and payment notice. We must hear from you no later than
sixty (60) calendar days after we sent you the FIRST statement on
which the problem or error appeared.
1. Tell us your name and account number.
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.
NOTICES All notices from us will be effective when we have mailed
them or delivered them to your last known address in our records.
Notices from you will be effective when received by us at the address
listed on your statement. We reserve the right to change the terms
and conditions upon which these EFT services are offered. We will
mail notices to you at least twenty-one (21) days before the effective
date of any changes, as required by law. Use of these services are
subject to existing federal and state regulations governing your
account and any future changes to those regulations.
ACCOUNT RULES AND REGULATIONS Except as changed by
this Agreement, all transfers made by use of your Card and PIN are
subject to the terms and conditions contained in the signature card(s)
and the applicable customer agreement(s) for your deposit account(s)
as outlined in our Deposit Account Agreement booklet, and if
applicable, line of credit contract(s). This Agreement is made as part
of that (those) customer agreement(s).
26
Deposit Accounts If you tell us orally, we require that you send us
your complaint or question in writing within ten (10) business days.
We will generally complete our investigation within 10 business
days after we hear from you and will correct any error(s) promptly.
However, if we need more time to investigate the transaction or obtain
documentation, we may take up to forty-five (45) days (90 days for
POS transactions, for transfers initiated outside of the United States
or if your account is new-less than 30 days old) to investigate your
complaint or question. If we need this additional time to determine if
an error has occurred, we will provisionally credit your deposit account
within ten (10) business days (20 days if your account is new-less
than 30 days old) 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 ten (10) business days, we may
choose not to credit your account for the amount in question during
our investigation period. We will tell you the results within 3 business
days after completing our investigation. If we decide 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.
Line of Credit Accounts For investigations of suspected errors on your
line of credit statement regarding transfers for overdraft protection
in connection with your deposit account, we will follow the rules
listed above for deposit account error resolution. For investigations
of suspected errors on your line of credit statement regarding
ATM transfers, we must within thirty (30) days provide you a written
acknowledgment that we received your letter, unless we have already
corrected the error. Within ninety (90) days, we must either correct the
error or explain why we believe your bill was correct.
After we receive your letter, we cannot try to collect or report you as
delinquent for any amount you question. We can continue to bill you
for the amount you question, including finance charges, and we can
apply any unpaid amount against your credit limit. You do not have to
pay any questioned amount while we are investigating, but you are still
obligated to pay the parts of your bill that are not in question.
If we find that we made a mistake on your bill, you will not have to
pay any finance charge related to any questioned amount. If we didn’t
make a mistake, you will have to make up any missed payments on
the questioned amount and pay any related finance charges. In either
case, we will send you a statement of the amount you owe and the
date it is due.
If you fail to pay the amount that we think you owe, we may report you
as delinquent. However, if our explanation does not satisfy you and
you write to us within ten (10) days telling us that you still dispute the
amount and refuse to pay, we must tell anyone we report your account
standing to, that you have a question about your bill. And, we must
tell you the name of anyone we report you to. We must tell anyone
we report you to that the matter has been settled between us when it
finally is. If we don’t follow these rules, we can’t collect the first $50 of
the questioned amount, even if your bill was correct.
terminal receipt at the time you make any transaction. You will receive a
terminal receipt at the time you make any transaction at a POS terminal.
For Purchases and Cash Advances without a PIN, you will receive a
receipt from the merchant or financial institution for each transaction.
BANK’S LIABILITY FOR FAILURE TO MAKE A TRANSFER
Our Liability for Failure to Make Transfers If we do not complete a
preauthorized transfer on time or in the correct amount according to
our agreement with you, we will be liable for your actual, proven 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 line of credit
account, whether or not for overdraft protection or as a cash advance
on the line of credit.
• If the ATM where you are making the transfer does not have enough cash.
• If the ATM was not working properly and you knew about the
breakdown when you started the transfer.
• If circumstances beyond our control (such as an act of God, fire or
other catastrophe), or by an electronic or computer failure which
prevents the transaction, despite reasonable precautions that we
have taken.
• If the funds in your account are subject to legal process or other
encumbrances restricting use of the funds for such transfers.
• When your authorization has been revoked by operation of law or
would exceed security limitations.
• When your Card has been reported as lost or stolen and you are
using the reported Card or we have reason to believe that the
transaction requested is unauthorized.
• If incomplete or inaccurate information has been forwarded by
the originator.
• If the merchant or other financial institution fails to accept the Card.
ACCOUNT INFORMATION DISCLOSURE TO THIRD PARTIES We will
disclose information to third parties about your account or the transfers
you make:
• Where it is necessary for completing the transaction.
• To verify the existence and standing of your account with us, or
to confirm that sufficient funds are available to cover specific
transactions, upon the request from a third party, such as a credit
bureau or merchant.
• To comply with court orders or government administrative agencies’
summons, subpoenas, orders of examinations and escheat reports.
• On receipt of certification from a federal agency or department that
a request for information is in compliance with the Right to Financial
Privacy Act of 1978.
• If you give us your written permission.
Also, please refer to our Privacy Policy statement.
YOUR RIGHT TO TRANSACTION DOCUMENTATION
Periodic Statements You will receive monthly checking account and
line of credit billing statements. If your savings account shows any ATM
or POS transactions during a month, you will also receive a monthly
statement for your savings account, rather than regularly scheduled
quarterly statements. These statements will show all ATM and POS
activity for your account during the statement period, along with a
description of the transaction type and location. Additionally, any
purchases made by phone or Internet, where you provided your VISA®
Debit Card number for payment, will appear on your statement.
Terminal Receipt You will have the option at the ATM to receive a
27
FIRST NATIONAL BANK OF PENNSYLVANIA
BUSINESS CHECK CARD AGREEMENT
This document contains the Terms and Conditions for using First National
Bank’s Business Debit Card. It also explains your company’s liability in using
this service. Therefore, you should read this document carefully and retain
a copy for your records. All other terms and conditions of your account
remain in effect.
Definitions:
The words “you” and “your” mean the business checking account customer
for which a Business Debit Card is requested and issued. The word
“Cardholder” refers to any person authorized by you to use your First
National Bank Business Debit Card, including your business owners,
officers, employees and agents. The words “me”, “our”, “us” or “bank” mean
First National Bank. The word “Card” refers to a VISA® Business Debit
Card. The term “transaction” includes any Card usage — whether at an
ATM or POS (point of sale) terminal or if the transaction is conducted in
person, via internet, or by telephone.
General Provisions:
To obtain a Business Debit Card, you must (i) open and maintain a
business checking account with us; (ii) complete an application; and (iii)
have this application signed by an authorized person on your behalf. An
authorized signature on the application indicates that you are agreeing to
be bound by these Terms and Conditions. You agree to update the Bank, in
writing, whenever there is a change of signatories for your business checking
account.
When you, or a Cardholder, use your Business Debit Card, you are giving
us the right to obtain payment from your designated account for any
transactions and any related fees. You agree to maintain sufficient collected
funds in your designated account to cover such transactions. If there are not
sufficient funds in your account, we may charge a fee for each transaction
that we are unable to process. Overdraft(s) resulting from Business Debit
Card usage may result in cancellation of your Card(s) and your account(s).
The Bank reserves the right to use any account funds you have on deposit
with us for payment of your Business Debit Card transactions, but is not
required to do so.
Security Measures:
We have established the following as security measures in order to protect
you. You acknowledge and agree that these security measures are reasonable
and are designed, in part, to satisfy your business needs. You acknowledge
you are liable for the payment of Card transactions authorized, permitted or
processed by you or any Cardholder.
• WewillmailCardstoyourbusinessaddress.
• CardswillbeissuedwithbothyourbusinessandtheCardholder’sname
embossed on the Card.
• YouwillrequireeachCardholdertosignthebackoftheCardassoonas
you deliver the Card.
• OnceweissuetheCardyoucannotandwillnottransferittoanon-
Cardholder.
• YouagreetoimmediatelynotifyuswhenyouterminateaCardholder’s
rights and to promptly return the Card, cut in half, to us.
• InorderforyoutoavoidliabilityfortheunauthorizeduseofyourCard,
you agree to provide written instructions to all Cardholders about the
importance of securing his/her Card.
• YouwilldeterminetheappropriateATMandPOSlimitationtoplaceon
each Cardholder.
Applicable Law:
The Terms & Conditions for your First National Bank Business Debit Card
are governed by the laws of the state in which your account is established,
except with respect to that state’s conflicts of law principles, as well as federal
laws and regulations. Normal banking customs and practices also apply. If
any term or provision within this Terms and Conditions document becomes
legally unenforceable, it will be considered changed to the extent necessary
to comply with applicable laws. If any part of this document becomes
unenforceable, it will not make any other part unenforceable.
Business Purpose Usage Restrictions:
You and all your Cardholders agree that your Cards are to be used only
by business owners, employees, and agents, and only for business purpose
transactions. You acknowledge and understand the Card may not be used for
personal or consumer purposes. Any transactions, using the Card we issue
you under this agreement, are not covered under the consumer protection
provisions of state and federal laws. You agree to provide written instructions
to all Cardholders that the Card shall not be used for consumer purposes.
Prohibited Use:
Cardholders agree to NOT use their Card for any illegal purposes,
transactions, or purchases. This includes, but is not limited to: purchase of
lottery tickets using the internet if you reside in a state where lotteries are
not legal; payments for other forms of illegal wagering, betting or gambling;
or, the purchase of illegal drugs. You are prohibited from using your Card
for any personal or consumer purposes.
Termination, Amendments and Notices:
We may terminate the usage of any or all your Business Debit Card(s) at
any time. You may terminate any or all Business Debit Cards issued to you
by providing a written notice to us. Termination of Card privileges will
become effective no later than two (2) business days after we receive your
written request. We may make amendments to this Terms and Conditions
document in the same manner as provided for in the Deposit Account
Agreement governing your account. Use of your Card after receipt of notice
of amendment constitutes your acceptance of the change. Any notice mailed
to you under the Business Debit Card Terms and Conditions will be mailed
to the business address we have listed in our files. You agree to promptly
notify us of any change to your business mailing address.
TYPES OF TRANSACTIONS
Each Cardholder may complete the following types of transactions using
his/her Card, unless you have restricted the Cardholder’s usage:
• Makecashwithdrawals
• Makedeposits
• Conductcheckingaccountbalanceinquiries
• Maketransfersamongyourbusiness’checkingaccounts,ifapplicable
• ObtaincashadvancesfromFinancialInstitutions
• Purchasegoodsandservicesinpersonfrommerchants.Somemerchants
may permit cash-back transactions. For merchants who accept VISA,
transactions may require a signature.
• Purchasegoodsandservicesviatheinternetortelephonebyproviding
your Card number and expiration date. As added security, some phone
merchants now require the three digit code located on the back of the
Card.
Documentation of Transactions:
You agree to instruct your Cardholders to request receipts from ATMs and
from merchants for each transaction. Most internet merchants allow you to
print a purchase confirmation, which serves as your receipt. You will need to
keep a log of telephone transactions conducted by your Cardholders. We will
send you monthly account statements which will include a record of all Card
transactions made during the statement cycle. You should promptly compare
your Business Debit Card receipts to your account statements for accuracy.
You must report any discrepancies to us within 60 days of statement receipt,
or you will lose your rights to claim errors or fraud.
Foreign Currency Charges:
If you incur a charge in a foreign currency, the charge will be converted by
VISA International into a United States dollar amount using the procedures
in the VISA Operating Regulations in effect at the time the transaction is
24
28
processed. Currently, this is either a rate selected by VISA from the range
of rates available in wholesale currency markets for the applicable central
processing date, which may vary from the rate VISA itself receives or the
government-mandated rate in effect for the applicable central processing
date, plus or minus any adjustment determined by the Issuer. In addition, an
International Service Assessment fee of up to 1% of the transaction amount
on all international transactions will be collected. This fee is assessed by Visa.
and you will be precluded from asserting otherwise. If you provide us with
timely notice of a problem or an error in your statement, we will investigate
the matter and notify you of the results as soon as reasonably possible under
the circumstances. In evaluating your claim, we will consider whether
negligence on your part has contributed to the transaction in question.
You acknowledge and agree that the security procedure listed above is
commercially reasonable.
Fees:
Please refer to our separate Fee Schedule for additional information
regarding Business Debit Card and other related fees.
IMPORTANT INFORMATION REGARDING ATM OR POS
FACILITIES
You agree that we are not responsible for providing security guards or other
security measures at any ATM or POS terminal owned by us or others. We
are, however, providing for your information a list of safety precautions
regarding the use of ATMs.
LIMITATIONS OF OUR LIABILITY
We will not be liable if:
• Youdonothavesufficientcollectedfundsinyouraccounttocomplete
the transaction.
• AnATMdoesnothavesufficientcash.
• Aterminalorsystemisnotworkingproperly.
• Circumstancesbeyondourcontrol(suchasfireorflood)preventthe
transfer.
• AmerchantrefusestoacceptyourCard.
• AnATMrejectsyourCard.
• Youincuranyconsequentialorincidentaldamagesresultingfromany
unauthorized use of your Card.
Please read the following safety tips.
• Beawareofyoursurroundings,particularlyatnight.
• Considerhavingsomeoneaccompanyyouwhentheautomatedteller
machine is used after dark.
• Itisappropriatetopolitelyasksomeonewhoisuncomfortablycloseto
you to step back before you complete your transaction.
• Refrainfromdisplayingyourcash.Pocketitassoonasyourtransactionis
completed. Count the cash later in the safety of your car or home.
• Considerusinganotherautomatedtellermachineorcomingbacklaterif
you notice anything suspicious. If you are in the middle of a transaction
and you notice something suspicious, cancel the transaction, pocket your
Card and leave.
• Gotothenearestpublicareawherepeoplearelocatedifyouarefollowed
after making a transaction.
• Reportallcrimestolawenforcementofficialsimmediately.
There may be other limits to our liability.
ACCOUNT OWNER’S LIABILITY
Additional Risks:
You are fully responsible for all transactions processed by or permitted by
anyone who is a Cardholder. As stated earlier, you will not have the benefits
of any consumer protection laws when using your Card. You understand
your liability for the unauthorized use of Business Debit Cards could be
greater than similar liability for a consumer debit card transaction. We
may increase the limit if, based on substantial evidence we reasonably
determine that you were negligent in the handling of the Card or account.
Nevertheless, you agree to accept any additional risks which may result.
IMPORTANT INFORMATION ABOUT BUSINESS DEBIT CARDS
• ExerciseextremecautionwhenauthorizingadditionalCardsfor officers, employees or agents. By providing a Card to these individuals,
you are granting them access to your business checking account by way
of cash withdrawals and VISA purchasing power. You are liable for all
Card transactions, authorized or unauthorized.
• ThisTermsandConditionsdocumentindicatesthatyouwillprovide
written instructions to all Cardholders about the importance of
protecting his/her Card, requesting receipts for each transaction, and that
his/her use of the Card is limited to business purpose transactions only. It
is advisable to set guidelines for each Cardholder regarding how and
when he/she may use his/her Card, and to request that Cardholders
promptly deliver all receipts to you for entry in your ledger. As owner of
the account, you are responsible for examining your receipts and
comparing them to your monthly account statements.
• YoumayrequestseparatelimitsforeachCard.Limitsmaybeindividually
set for ATM cash withdrawals and POS purchases. Our standard limits
are $500 per day for cash withdrawals and $2,500 for purchases. You may
want to choose lower balances for some Cardholders and higher balances
for your officers and owners. POS authorization can be permitted while
restricting ATM access and likewise ATM access can be permitted while
restricting POS authorization. Indicate the dollar limits you want each
Cardholder to have on your Business Debit Card application.
An unauthorized transaction does not include either or both of the
following:
• Anytransactionbyabusinessco-owner,acardholderorperson authorized by a cardholder, or other person with an interest in or
authority to transact business on the account.
• Anytransactionbyacardholderthatexceedstheauthoritygivenbythe
Visa Business Debit Card account owner.
Your Liability for Unauthorized Transfers:
You are liable for Card transactions you did not authorize if we can prove
that we processed the transaction in good faith and in compliance with a
commercially reasonable security procedure, unless otherwise required by
law.
In order to secure your personally identifiable information, you are
responsible for telling us IMMEDIATELY if you believe any of your issued
Business Debit Cards or PINs for these cards has been lost or stolen, or if
money is missing from your account. Telephoning us is the best way to keep
your possible losses to a minimum. Call 1-800-555-5455, at any time, to
report lost or stolen cards.
To further secure you information, if your Card is lost, stolen or used
without your permission, you agree to notify us immediately and to
promptly confirm such notice in writing. Your liability for transactions may
continue for up to 2 business days after we receive such written notice. If
you do not notify us within 60 days from when your account statement
containing an unauthorized transaction was first mailed or made available to
you, we will be entitled to treat the information in your statement as correct,
29
FirstRate Money
Market Account
PERSONAL
ACCOUNT
FEESCHEDULE
SCHEDULE
PERSONAL
ACCOUNT
FEE SCHEDULE
PERSONAL
ACCOUNT
FEE
Product Number 22221 Class Code 22
This summary is to help you understand the basic terms and conditions of your account. See the Personal Account Fee Schedule and the Deposit
Account Agreement for full details.
Effective
May 1, 2015
Effective
May
1, April
2015
Effective
1, 2015
Personal
Account
Information
Statements
and Notices
Personal
Account
Information
Statements
and
Notices
Personal
Account
Information
Statements
and
Notices
Image
and Photocopy
Requests$50.00 minimum to open online. No minimum to open in-branch.
Safe Deposit
Box
Deposit to Open Account
Service Charge
per month
MystyleMinimum
Checking
Service Charge
$6.95
per$6.95
month
Mystyle Checking
Service Charge $10.00
If the requirements
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Account History Printout
$5.00 each
Fee varies by box size
Safe
Deposit
Box
Rental
Fee assessed
for
Paper Statements
Fee assessed
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the
service
if you
meet
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$20.00
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$5,000
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Safe Freestyle
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$175.00
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$2.95
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the
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Statement
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$2.95
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$2.95
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Minimum
charge
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$20.00.
Safe Employee
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Inventory
$25.00
Bearing
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$2.95 per
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average
daily balance,
for theYespreceding
month,
in any combination
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average daily
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forPaper
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preceding
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in
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combination
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Account
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Student
$2.00
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$5.00
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$25.00
each
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Request
$2.00 per
month
OR, recurring
savings,
or certificate
ofOR,
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Opening
and checking,
recurring
monthly Direct
checking,
savings,Check
or
certificate
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deposit
No Charge
Image with Statement
Usage
Health
Savings
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$2.95
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Request
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Fee $2.95 per
$5.00
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$10.00
Health
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month
Deposit
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cycle
10 POS
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Image
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purchase
All other accounts
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other accounts
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$12.00
Returned Deposits
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FeeRequest
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you
deposit or cash that is returned All
unpaid.
transactions
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Copy
$5.00
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transactions
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Foreign
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FNB ATM Fee No Charge
Service
Charge
Service Charge
Service
charge to
reduced
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with eStatements.
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charge
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transaction plus any fees the ATM owner charges.
$10.00
per
month
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assessed
for
CheckinImages
in to
addition
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Lifestyle
CheckingStop Item Charge $37.00 $10.00
Foreign
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per
month
Fee
assessed
for Check
Images
addition
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Statements.
Lifestyle
Checking
Per item
Photocopies
$0.50 each
Canceled
checks
not be returned.
Fee$10.00
is every
charged
every month,
thecharge
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meet
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Canceled
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$100.00
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any combination
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any FNB
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Online Banking
authorized
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(HSA)
$3.00
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Please ask us for information on other services we offer that mayHealth
be suitableLess
for you,than
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to Person (Popmoney)
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such as an overdraft
protection
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link tomonth
a checking, savings, or money market
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statement
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combination
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Canceled
checks
not be returned.
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charged
every
month, per
combination
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savings, certificate
of deposits,
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Two (2)
at no charge
Premierstyle
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Canceled
checks will
not bewill
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month,
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to
Person
Request
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Overdraft Protection Fee $10.00
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market accounts.
evenare
if there
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market accounts.
statement
even
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amounts$0.50
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each
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thecharge
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if you
meet
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the Mail
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$10.00
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month
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$10.00 per
month
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$50.00
each
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$0.75 each
statement
or more
daily
balance
OR,
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Generally,
each
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FNB
will:
statement
cycle: $7,500
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more
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balance
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combined
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Order
Transfers
of cycle:
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$1.50
each
Other
Account
Charges
and
Services
Other
Account
Charges
and
Services
Other
Account
Charges
and
Services
First, add all credits and deposits that are available
The order infor
which
deposits
and
daily
the
preceding
in any combination
of checking,
dailyPerson
balance,
for
the
preceding
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inmonth,
any
combination
of checking,
Next,
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any debit items. These
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tobalance,
Person
(Popmoney)
withdrawals
are processed. Stop
$50.00
per account
Abandoned
$50.00 per
account
Abandoned
PropertyProperty
Escheat Escheat
and
account
fees.
Please see
the Deposit Account Agreement
for full details.
savings, certificate
of IRA,
deposit,
IRA,
ormarket.
money
market.
savings,
certificate
of deposit,
or money
Payment
Intermediary
Fees Handling
$10.00
each
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Check Handling
Funds Availability
Type of Deposit
Canadian/Foreign
Check
Charge Charge
$6.00 per$6.00
item per item
$10.00
peronmonth
FirstRate
Money Market
$10.00
month
Same business
day* per
Checks
drawn
FNB, electronic direct deposits,
wire
Expedited
Same-Day
Bill Pay
FirstRate
Money Market
Third
party
intermediary
banks
may charge
their each
own
feeseach
for processing
$10.00
Check
Cashing
On-Us
(Non-Customer)
$10.00
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On-Us
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Processing
transfers and cash deposits madeCheck
to a FNB teller.
Student
Checking
No
charge
the
serviceFunds
if you maintain
an daily
average
daily of
balance of
Avoid
service
charge
if charge
you
maintain
an
average
balance
Policies theAvoid
international
wires
will deduct their fees
fromeach
the
total
amount
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Availability
$20.00
each
+ third
party fees
Collection
Item and
Domestic
$20.00
+ third
party
fees
Collection
Item Domestic
Next business day*
Deposits at ATMs, check drawn on
another bank, mobile
When
funds
deposited
to
your
account
other accounts
$9.95
each
or more.
banking
deposits.
$5,000 All
or$5,000
more.
wire
transfer.
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for+any
intermediary
$75.00
each
+ third
Collection
Item National
Foreign Bank is not responsible
are available.
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party
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NOTE: You will be notified in theCollection
event that a longer
hold isForeign
Overnight
BillMarket
Pay
each
$10.00
perdeposit.
month
Private Banking
Select
Money Market$10.00 $14.95
per
month
PrivateExpedited
Banking
Select
Money
applied
to your
fees.
Counter
$1.00 each
Counter
Check Check
$1.00 each
*A "business
day" an
is Monday
through
Friday excluding
federal
holidays.1Please see the
serviceifTransfer
charge
if -you
maintain
average
daily
balance
of
Account
tothe
Account
FNB
Pay
Avoid
theAvoid
service
charge
you maintain
anBill
average
daily
balance
of
Overdraft
Protection
Deposit Account Agreement for cut off times and full detailsDeposit
on Funds Availability.
Deposit Ticket
$1.00 each
Ticket
$1.00 each
Internal
to
external
and
external
to
internal
account
transfers.
$5,000
or
more.
$5,000 or more.
Transfers
linked
savings, money
or per
personal
Dormant
Account
Fee
$10.00
monthline of
Dormant
Account
Fee to a checking,
$10.00market
per
month
Student
Checking
No
charge
FirstRate
Savings
$4.00
per
month
FirstRate Savings
$4.00 percard/password
month or report unauthorized transactions.
credit
are assessed
made
in increments
ofmonths
$100. However,
if less
than $100 is
Fee
after 24 consecutive
months
of
inactivity.
We
encourage
you to promptly reach out to us to report a lost or stolen
Please
Fee
assessed
after
24
consecutive
of
inactivity.
AllAvoid
other
accounts
$0.50
each
the
service
ifforyou
maintain
an daily
average
daily of
balance of
to the
Deposit
Account
Agreement
full details
on Electronic
Fund
Transfers.
Avoid the refer
service
charge
if charge
you
maintain
an average
balance
Dual Signature
$10.00
peramount
month
available
from
yourRequirement
funding account, we will
transfer
the full
Dual Signature
Requirement
$10.00
per
month
Dispute
$300
more.
Mail 4140 East State Street, Hermitage, PA 16148
$300Debit
or more.
Cardorand
ATM Transactions
available.
If the overdraft
balance in your checking is greater than the
Early
Account
Closing
Resolution
Early
Account
Closing
In
Person
Health Savings
Account
(HSA)Visit us at any FNB branch, find the location nearest you at fnb-online.com.
Health FNB
Savings
(HSA) By Phone
in ifyour
funding
the
entire
Feeavailable
assessed
the is
account
is
closed
within
180
days of amount
opening.will
ATMAccount
Fee
No charge
1-800-555-5455
Feeamount
assessed
if the account
closedaccount,
within
180
days
ofavailable
opening.
HSA InitialFee
Set-up Fee
$25.00
HSAFee
Initial
be transferred.
If the amount available in No
the charge
funding
FirstRate
No account
charge is used in
ForSet-up
ATM Withdrawal (Foreign ATM $25.00
Fee) $2.50 each
FirstRate
Savings Savings
HSA
Annual
Fee
$20.00
per
year
HSA Annual
Fee Checking
$20.00One
per year
Overdraft
and Returned Item Fees may
to the
overdrawn
IRA Savings
No
charge
IRA full,
Savings
No apply
charge
Employee
(1) refunded per
Overdraft
Services
Holiday
Club are subject to availability
No charge
amount.
All transfers
of funds
in the funding
Overdraft
Services
Holiday
Club
No charge
Overdraft
Services
Member
FDIC
calendar month
account
and any
other applicable conditions,
such$50.00
as transaction
All other
accounts
Overdrafts
forin-person
checks, in-person
withdrawals,
bill payments
$50.00
Student
Checking
Two
(2) refunded
Overdrafts
for checks,
withdrawals,
automaticautomatic
bill payments
or per or All other accounts
Kluwer Financial Services - Bankers Systems* Form TIS-BRO 8/19/92 Custom 4t 4354408-010
MDF. EPATIS17
(page 2 of 2) if the funding
limitations
account is a savings
account
or a money
-1992 Wolters other
Garnishment
Fee
$175.00
each market
transactions
using
your number
accountmay
number
may
be authorized
and Garnishment
calendar
month
Fee
$175.00
each
other
transactions
using your
account
be authorized
and
deposit
account.
Transfers
from lines of credit
are
subject each
to the terms of
External
Transfer
Fee
$50.00
paid,
on
a
case-by-case
basis.
Overdraft
and
Returned
Item
Fees
do
External
Transfer
Fee
$50.00
each
paid, on a Premierstyle
case-by-caseChecking
basis. Overdraft and Returned No
Itemcharge
Fees do
the Applicable
Agreement
and/or
Statement, which shall
IRA
or HSA
funds toDisclosure
another institution.
apply.
Overdrafts
for everyday
one-time
card
transactions
IRA or HSA
funds
to another
institution.
apply. Overdrafts
forShale
everyday
one-time
debit carddebit
transactions
and ATMand ATM Transfer Transfer
Marcellus
Workplace
Banking
No charge
on amounts
Leviesbut not be limited to, interest charged
$200.00 transferred.
each
transactions
are
not
authorized
and
paid,
unless
you
allow
FNB
Leviesinclude,
$200.00
each
transactions
are not authorized
to do
so. to do so.
Workplace
Banking and paid, unless you allow
No FNB
charge
2 Medallion Stamp Guarantee
$10.00
each
Transaction
Limitations on Savings and
Money
Market
Accounts
These
are declined
at no cost.
Medallion
Stamp Guarantee
$10.00
each
These are
declined
at
no
cost.
Private Banking Select Checking
No charge
Night Annual
DepositFee
Annual Fee
$20.00
year
Night Deposit
$20.00
year per
Fee
$37.00
OverdraftOverdraft
Fee Banking
per
item per item
The depositor
is permitted or authorized to
makeper
no more
than six (6)
Private
Select Money Market $37.00No
charge
Night Disposable
Deposit
Disposable
Fee
Varies and
Night Deposit
Bag or aBag
FeeofVaries
An Overdraft
Fee is when
charged
item is paid.
An Overdraft
Fee
is charged
an when
item isan
paid.
transfers
and withdrawals,
combination
such
transfers
ATM/Debit
Card
Replacement
$10.00 each
Night Lock
Deposit
Lock Bags
$35.00
Night Deposit
Bags
$35.00
each
withdrawals,
per
calendar
month for Savings
Accounts
or each
statement cycle
Returned
Item Replacement
Fee
$37.00
Returned
Item FeeCard
$37.00 per
item per item
ATM/Debit
Expedited
Night
Deposit
Additional
Keys transfers
$8.00 each
Night
Deposit
Additional
Keys
$8.00
each
for
Money
Market
Accounts
including
to
another
account
A
Returned
Item
Fee
is
assessed
each
time
an
item
is
returned
unpaid.
$50.00
eachunpaid.
A Returned
Item Fee is assessed each time an item is
returned
Shipping
2
2
Reg D Transfer
Fee account) of the depositor
$15.00
per transaction
a transaction
at
the
same
institution or
Reg D (including
Transfer
Fee
$15.00 per
transaction
Continuous
Fee
Continuous
OverdraftOverdraft
Fee
$12.00 $12.00
a third
by means
of preauthorized,
automatic
transfer,
Fee party
assessed
for each
transaction
pertelephone
calendar
month
for Savings
Feetoassessed
for each
transaction
per calendar
month foror
Savings
Fee assessed
every 3 business
your remains
account remains
Fee assessed
every 3 business
days thatdays
your that
account
or by Accounts
check,
card
similar
order
made
by the depositor
ATMoverdrawn.
Surcharge Fees
anddebit
per statement
cycle
forMarket
Money
Market
Accounts
in excess
Accounts
and perdraft,
statement
cycleorfor
Money
Accounts
in excessand
overdrawn.
payable
to third
parties.limits.
You can make unlimited deposits and withdrawals
of the
prescribed
prescribed
limits.
Protection
Fee 1 by the ATM owner for a withdrawal made at of the
A Overdraft
Surcharge
may
be1assessed
Overdraft
Protection
Fee
a branch
orCash
ATM.or
Failure
follow the transfer
and/or
Return
Deposit
Cash to
Item
$12.00withdrawal
each
or
Item
$12.00 each
Transfers
from
checking,
savings,
money
market,
or personal
line ofReturnatDeposit
certain
ATMs
not
owned
by First
National
Bank.
Transaction
Transfers
from
checking,
savings,
money
market,
or
personal
linelimits
of and
limitations
may
result in converting your interest bearing account to a
Stop
Item
Charge
credit.
Stop Item
Charge
fees may
apply to transactions made at ATMs not owned by First National
credit.
non-interest bearing
product type.
No charge
No charge
Bank.Premierstyle
EmployeeEmployee
CheckingChecking
No charge
Premierstyle
CheckingChecking
No charge
Premierstyle
No charge
Private Select
Banking
Select Checking
No charge
Premierstyle
CheckingChecking
No charge
Private Banking
Checking
No charge
All other accounts
$37.00 each
All other accounts
$37.00 each
$10.00
per transfer
All other accounts
$10.00 per
transfer
All other accounts
Cash Alternatives
Cash
CashAlternatives
Alternatives
Money Order
$5.00 each
Money Order
$5.00 each
Official Checks
$10.00 each
Official
Checks
$10.00 each
See the Truth-In-Savings disclosure and the Deposit Account Agreement for full account
details.
$3.95 each
Visa
GiftVisa
CardGift Card
$3.95 each
Fees apply to all accounts unless otherwise noted. Fees are subject to change at any
time.
Visa
Travel Card
$8.95 each
Travel
$8.95 each
Products, services and prices may vary by market. We reserve the right to enforce Visa
or to delay
a Card
Visa Companion
Travel Card
$2.95 each
charge under this schedule without losing the right to assess the charge in the future.
Visa Companion
Travel Card
$2.95 each
MEMBER FDIC
Equal Housing Lender
30
Page 1
Page
Page
21
FirstRate Money
Market Account
PERSONAL
ACCOUNT
FEESCHEDULE
SCHEDULE
PERSONAL
ACCOUNT
FEE SCHEDULE
PERSONAL
ACCOUNT
FEE
Product Number 22221 Class Code 22
This summary is to help you understand the basic terms and conditions of your account. See the Personal Account Fee Schedule and the Deposit
Account Agreement for full details.
Effective
May 1, 2015
EffectiveEffective
April
1, 2015
April 1, 2015
Personal
Account
Information
Statements
and Notices
Image
Photocopy
Requests
Safe
Box
Imageand
and
Photocopy
Requests
SafeDeposit
Deposit
Box Box
Image
and
Photocopy
Requests$50.00 minimum to open online. No minimum to open in-branch.
Safe Deposit
Minimum Deposit to Open Account
Service Charge
$6.95 per month
Mystyle
Checking Service Charge $10.00
Account
HistoryHistory
Printout
$5.00
box by
sizebox size
Safe
If the each
requirements
to avoid the monthly service
chargeDeposit
are not met. Box Rental
Account
Printout
$5.00 each
Feeby
varies
Safe
Deposit
Box
Fee assessed Rental
for Paper StatementsFee varies
Avoid
service
charge
if you meet$20.00
ONE (1)
ofhour
the following during
the Deposit
Avoidthe
the Service
Charge
if You Meet
Account
Reconcilement/Research
Fee
per
Safe
Box Drilling
$175.00$175.00
Account
Reconcilement/Research
$20.00
per hour
$5,000Fee
or more average
daily balance.
Safe Freestyle
Deposit
Box
Drilling
Checking
$2.95 per month
the Following During
the Statement
Cycle
OR,
$5,000
combined
statement
cycle:
$500
or
more
daily
balance
Minimum
charge of $20.00.
Safe Deposit
Box Inventory
$25.00 $25.00
Checking
$2.95 per month
Minimum
ofInterest
$20.00.
Safe Employee
Deposit
Box
Inventory
Bearing
Yespreceding month, in any combination of
averagecharge
daily balance,
for the
Account
$5.00 each
Safe Deposit
Box Lost
Key
Replacement
$25.00 $25.00
each
Branch-Assisted
Statement
Copy
Request
Paper
Statements
No Charge
Student
Checking
$2.00each
per month
$5.00
each
Safe
Deposit
Box
Lost
Key
Replacement
Branch-Assisted
Statement
Copy
Request
savings,
orStatement
certificate
of deposit OR, recurring monthly Direct
Opening and checking,
No
Charge
Check
Image
with
Branch-Assisted
Document
Copy Request
Safe Deposit
Box Late
Payment
Fee
$5.00 each each
UsageBranch-Assisted
Savings
Account
(HSA)
$2.95 per month
Document
Copy
Request
Safe Health
Deposit
Box
Late
Payment
Fee $10.00 $10.00
DepositeStatements
each statement
cycle
10 POS $5.00
Debit Card purchase
with Check Image
NoOR,
Charge
All other accounts
No charge
Branch-Assisted
Check
Copy
Request
each
$12.00per$5.00
Returned
Deposits
or Cashed
Item Fee
For each
item cycle.
youeach
deposit or cash that is returned unpaid.
transactions
posted
and
cleared
statement
Branch-Assisted
Check
Copy
Request
$5.00
Foreign
Currency
Foreign
Currency
Foreign
Currency
No Charge
FNB ATM Fee
Service
Charge
Fee for Fee
assistance
from
a
Branch
Service
Representative.
Service
charge
reduced
to
$5.00
with
eStatements.
for
assistance
fromATM
a Fee)
Branch
$2.50Service
ATM
Withdrawal (Foreign
Per Representative.
transaction plus any fees the ATM owner Foreign
charges.
Currency
Exchange
$10.00 per month
FeeCurrency
assessed
for Check Images in addition to Paper Statements.
Lifestyle CheckingStop Item Charge $37.00 $0.50
Foreign
Exchange
Photocopies
each
Per item
Photocopies
$0.50 each
Less than
$250
US
value
$10.00
Canceled
checks
willvalue
not be returned.
Fee$10.00
is charged every month,
Avoid the service charge if you meet ONE (1) of the following during the
Less
thanin$250
in US
OnlineBanking
Banking
and
Bill
Pay
$250 or more
US
value
Noduring
charge
Online
and
Bill
Pay
even
there
canceled checks
month.
orinifmore
inare
USno
value
Nothat
charge
statement
cycle:
$1,000
perforday
average
daily balance
Online
Banking
and
Bill Payor more
Overdrafts
checks,
in-person withdrawals,
automatic OR,
bill payments or other$250
transactions using your account number may be authorized and
case
by
Travelers
Checks
$1.00 per
$100.00
Freestyle
Checking
$3.00
per
month
$10,000
combined
average daily
balance,
forReturned
the preceding
month,Foreign
inpaid, on aForeign
Travelers
Checks
$1.00
per
$100.00
Account
to
Account
Internal
Transfer
case
basis.
Overdraft
and
Item
Fees
do
apply.
Account to Account Internal Transfer
ForeignForeign
Priority
Overnight
Delivery
any combination of checking,Overdrafts
savings,
orcharge
certificate
ofcard
deposit.
Employee
Checking
$3.00 per month
No
Overnight
Delivery
FNB Online
for
everyday
one-time
debit
transactions and ATM transactions
are
notPriority
No charge
Standard Overdraft Practices
FNB Banking
Online Banking
authorized
and
paid,
unless
you
allow
FNB
to
do
so.
These
are
declined
at
no
cost.
Less thanHealth
$1,500Savings
in US value
$10.00 $10.00
Service(Popmoney)
charge reduced
to $9.00 with eStatements.
Account (HSA)
$3.00 per month
PersonPerson
to Person
Payment
Please ask us for information on other services we offer that may be suitable Less
for you, than $1,500 in US value
to Person (Popmoney)
Payment
such as an overdraft protection
plan or per
link tomonth
a checking, savings,$1,500
or money market
orAll
more
US value
$25.00
Premierstyle
Checking
other
accounts
charge
Student
Checking
No charge
$1,500
orinmore
in US(excluding
value Mystyle No charge
NoNo
charge
account.
Student
Checking
No
charge
Overdraft
Avoid
service
charge
if you
meet$0.50
ONE
(1)
of
the
during
the
Checking, see Check Image Service Charge)
Overdraftthe
Fee &
Returned Item
Fee (NSF)
$37.00
Fee assessed
each
timefollowing
an item is paid
or returned
unpaid.
All
other
accounts
each
All
other
accounts
$0.50
each
Wire
Transfers
Wire
Transfers
Options
Wire
Transfers
Continuous
Overdraft or
Fee more
$12.00per day
Fee assessed
every 3 business
days
that your account remains
statement
cycle:
$7,500
daily balance
OR,
$25,000
Check
Image Service Charge
and Fees
Person
to Person
(Popmoney
Instant)
Person
to Person
(Popmoney
Instant) overdrawn.
$17.00
each Statements.
Incoming
Wire
(Domestic
& International)
combined minimum daily balance,
for
the
preceding
month,
in
any
$17.00
each
Incoming
Wire (Domestic
& International)
Fee
assessed
for
Check
Images in addition
to Paper
Instant Instant
Payment
$3.00
each
Per transfer
linked to
a checking, savings, or money market account.
$10.00
Payment
$3.00
each
Twois(2)
at no
per
combination
of
checking,
savings,
certificate
of
deposits,
or
money
Premierstyle
Checking
Canceled
checks
will
not
be
returned.
Fee
charged
every
month,
Two
(2)charge
at no charge
per
Premierstyle
Checking
Person Person
to Person
Request
Money Money
to
Person
Request
Overdraft Protection Fee $10.00
Transfers from a personal line of credit. Transfers from lines of credit
statement
cycle cycle
market accounts.
even if there are no canceled checks during
that
month.
statement
(Popmoney)
are subject to the terms of the Applicable Agreement and/or Disclosure
(Popmoney)
Statement, which
shall include,
but not limited to, interest chargedMystyle
on
Checking
$3.00
month
$15.00
per month
Private
Banking Select Checking
Outgoing
Wire
(Depositors
Only) Domestic
$25.00
eachpereach
Transfers
of $1.00-$249.99
$0.50
each
Outgoing
Wire
(Depositors
Only) Domestic
$25.00
amounts
transferred.
Transfers
of $1.00-$249.99
$0.50 each
Avoid
the service charge if you meet$0.75
ONE (1)
of the following during
the Outgoing
Outgoing
Wire
(Depositors
Only) International
$50.00
each per
Transfers
of
$250.00-$999.99
each
Hold
Mail
Fee(Depositors
$10.00
month
Wire
Only) International
$50.00
each
Transfers of $250.00-$999.99
$0.75 each
statement
$7,500
or more daily
balance
OR,
$15,000 combined
Transfers
of $1,000.00
(maximum)
$1.50
each
business
day*
FNBeach
will:
Posting
Order Generally, each
Transfers
of cycle:
$1,000.00
(maximum)
$1.50
Other
Account
Charges
and
Services
First, add all credits and deposits that are available
The
order in for
whichthe
deposits
and
dailytobalance,
preceding
month, in any combination of checking,
Person Person
to Person
(Popmoney)
Stop
Next, subtract any debit items. These include checks, withdrawals, other payments
Person
(Popmoney)
withdrawals
are processed. Stop
$50.00 per account
Abandoned Property Escheat
account
fees.
Please see
the Deposit Account Agreement for full details.
savings, certificate of deposit,andIRA,
or$10.00
money
market.
Payment
Intermediary
Fees Fees Check Handling Charge $6.00 per item
each
Payment
Intermediary
Canadian/Foreign
Funds Availability $10.00 each
Type of Deposit
Expedited
Same-Day
Bill Pay
$10.00
peron month
FirstRate
Money
Market
party
intermediary
banks
may
charge
their own
fees
forfees
processing
Same business day*
Checks drawn
FNB, electronicThird
direct deposits,
wire
Expedited
Same-Day
Bill Pay
Third
party
intermediary
banks
may charge
their
own
for processing
$10.00
each
Check
Cashing
On-Us
(Non-Customer)
Processing
and cash deposits made to a FNB teller.
StudentStudent
Checking
No charge
Checking
Notransfers
charge
international
wires and
willDomestic
deduct
their fees
from
thefrom
totalthe
amount
of your
Avoid the
service
charge if you maintain
an average
daily balance of
Policies
international
wires
and
will
deduct
their
fees
total
amount
of your
Funds Availability
$20.00
each
+ third
party fees
Collection
Item
Next business
day*each
Deposits at ATMs, check drawn on another bank, mobile
All otherAll
accounts
$9.95
When
funds
deposited
to
your
account
other accounts
$9.95
each
wire transfer.
First National
Bank isBank
not responsible
for any for
intermediary
$5,000
or more.
banking
deposits.
wire
transfer.
First
National
is
not
responsible
any
intermediary
$75.00 each
+ third party fees
Collection
Item Foreign
are available.
NOTE: You will be notified in the event that a longer
hold is
Expedited
Overnight
Bill
Pay
$14.95
each
fees. fees.
Expedited
Overnight
Bill Money
Pay
$14.95
each
$10.00
perdeposit.
month
Private Banking
Select
Market
applied to
your
Counter Check
$1.00 each
1 holidays. Please
Account
to Avoid
Account
Transfer
- FNBifBill
1
*APay
"business
is
Monday
through daily
Friday excluding
federal
see
the
Overdraft
Protection
service Transfer
charge
maintain
an
average
balance
of
Account
tothe
Account
-you
FNB
Bill day"
Pay
Overdraft
Protection
Deposit account
Account Agreement
for cut off times and full details on Funds Availability.
Deposit
Ticket
$1.00 each
Internal Internal
to$5,000
external
and
external
to
internal
transfers.
toorexternal
more. and external to internal account transfers.
Transfers
linked tolinked
a checking,
savings,savings,
money money
market market
or$10.00
personal
line
of line of
Transfers
to a checking,
orper
personal
Dormant
Account
Fee
month
StudentStudent
Checking
No charge
No
charge
FirstRateChecking
Savings
$4.00
per month
credit are
made
increments
$100.
if less than
$100
credit
arein
made
in increments
ofHowever,
$100. However,
if less
thanis$100 is
Fee
assessed
afterof24
consecutive
months
of
inactivity.
All otherAll
accounts
each
We
encourage
you to promptly reach out to us to report a$0.50
lost or stolen
card/password
or report unauthorized transactions.
Please
other
accounts
$0.50
each
Avoid
the
service
maintain
anFund
average
refer to the
Deposit
Accountcharge
Agreement if
foryou
full details
on Electronic
Transfers.daily balance of
available
from your
funding
account,
we will transfer
the full
amount
Dual
Signature
$10.00
peramount
month
available
from
yourRequirement
funding
account,
we will transfer
the
full
Dispute
$300
orATM
more.
Debit
Card
and
ATM
Transactions
Debit
Card
and
Transactions
Mail 4140 East State Street, Hermitage, PA 16148
available.
If the Account
overdraft
balancebalance
in your in
checking
is greater
than thethan the
Debit
Card
and
ATM
Transactions
available.
If the overdraft
your checking
is greater
Early
Closing
Resolution
In
Person
Visit us at any FNB branch, find the location nearest you at fnb-online.com.
Health
Savings Account (HSA)
amountamount
available
in your in
funding
account,
entire
available
amount
will
FNB ATM
Fee
No charge
account,
the
entire
will
Feeavailable
assessed
ifyour
the funding
account
isthe
closed
within
180available
days
of amount
opening.
FNB
ATM Fee
No charge
By Phone 1-800-555-5455
HSA
Initial Set-up
Fee ATM Fee) $2.50 each
$25.00
be transferred.
If the amount
available
in the funding
accountaccount
is used in
be transferred.
If the amount
available
in the funding
Fee ForFee
ATM
Withdrawal
(Foreign
FirstRate
Savings
No charge is used in
For
ATM Withdrawal
(Foreign ATM Fee) $2.50 each
HSA
Annual
Fee
$20.00
per
year
full, Overdraft
and
Returned
Item Fees
apply
the overdrawn
full, Overdraft
and Returned
Itemmay
Fees
maytoapply
to the
overdrawn
Employee
Checking
One (1)One
refunded
per
IRA
Savings
No
charge
Employee
Checking
(1) refunded
per
amount.amount.
All transfers
are subject
to availability
of fundsofinfunds
thecharge
funding
Overdraft
Services
Holiday
Club
No
All transfers
are subject
to availability
in the funding
calendarcalendar
month month
Member FDIC
accountaccount
andAll
any
other
applicable
conditions,
such assuch
transaction
and
any
other applicable
conditions,
as transaction
other
accounts
Student
Checking
Two (2)automatic
refunded
perpayments
$50.00
Overdrafts
for checks, in-person withdrawals,
bill
Student
Checking
Two
(2) refunded
per or
limitations
if the
accountaccount
is a savings
accountaccount
or a$175.00
money
market market
Financial Services - Bankers Systems* Form TIS-BRO 8/19/92 Custom 4t calendar
4354408-010
MDF.
EPATIS17
(page
2 of 2)funding
limitations
if the funding
is a savings
or a money
-1992 Wolters Kluwer
month
Garnishment
Fee
each
other
transactions using your account number
may
be authorized
calendar
month and
deposit deposit
account.
Transfers
from lines
of lines
creditofare
subject
to the terms
account.
Transfers
from
credit
are$50.00
subject
to theofterms of
External
Transfer
Fee
each
paid,
on
a
case-by-case
basis.
Overdraft
and
Returned
Item
Fees
do
Premierstyle
Checking
No
charge
Premierstyle Checking
No charge
the Applicable
Agreement
and/or
Statement,
which shall
the Applicable
Agreement
and/ortoDisclosure
Statement,
which shall
Transfer
IRA
or
HSA Disclosure
funds
another
institution.
apply.
Overdrafts
everyday
one-timeNo
debit
card
transactions and ATM
Marcellus
Shale
Workplace
BankingBanking
charge
Marcellus
Shale for
Workplace
No charge
include,include,
but
not but
be limited
interest
chargedcharged
on amounts
transferred.
not be to,
limited
to, interest
on amounts
transferred.
Levies
$200.00
each
transactions
are
not
authorized
and
paid,
unless
you
allow
FNB
to
do
so.
Workplace
BankingBanking
No charge
Workplace
No charge
2
2 Medallion
Transaction
Limitations
on Savings
and Money
Market
Accounts
Stamp
Guarantee
$10.00
eachAccounts
Transaction
Limitations
on Savings
and Money
Market
areSelect
declined
at no cost.
PrivateThese
Banking
Checking
No
charge
Private Banking Select Checking
No charge
NightisDeposit
Annual
Fee
$20.00
per
Fee Money Market
$37.00 per item
The depositor
permitted
or authorized
to maketono
moreno
than
six
(6)year
The depositor
is permitted
or authorized
make
more
than
six (6)
PrivateOverdraft
Banking
Select
Private Banking
Select Money Market No charge
No charge
Night
Deposit
Disposable
Fee
Varies
transfers
and withdrawals,
or a combination
of suchof
transfers
and
An
Overdraft
Fee
is
charged
when
an
item
is
paid.
transfers
and withdrawals,
or aBag
combination
such
transfers
and
ATM/Debit
Card Replacement
$10.00 each
ATM/Debit
Card Replacement
$10.00 each
Night
Lock
Bags
withdrawals,
perDeposit
calendar
month
for
Savings
Accounts
or$35.00
statement
cycle cycle
withdrawals,
per calendar
month
for Savings
Accounts
or each
statement
Returned
Item Fee
$37.00 per item
ATM/Debit
Card Replacement
Expedited
ATM/Debit
Card
Replacement
Expedited
Night
Deposit
Additional
Keys
$8.00
each
for Money
Market
Accounts
including
transfers
to another
account
for
Money
Market
Accounts
including
transfers
to
another
account
$50.00
each
A
Returned
Item
Fee
is
assessed
each
time
an
item
is
returned
unpaid.
Shipping
$50.00 each
Shipping
(including
a transaction
account)
of the depositor
at the same
or
Reg
D Transfer
Fee 2account)
$15.00
per transaction
(including
a transaction
of the depositor
at
theinstitution
same
institution
or
Continuous Overdraft Fee
$12.00
to a third
party
by
means
of
preauthorized,
telephone
or automatic
transfer,
to
a
third
party
by
means
of preauthorized,
or automatic
transfer,
Fee assessed for
each
transaction
pertelephone
calendar
month
for Savings
Fee assessed every 3 business days that your account remains
or by check,
draft,
card
similar
made
by
the Market
depositor
and
ATM Surcharge
Fees Fees
or byAccounts
check,debit
draft,
debit
card
or order
similar
order
made
by the Accounts
depositor
and
ATMoverdrawn.
Surcharge
and
perorstatement
cycle
for Money
in excess
payablepayable
to third
parties.
You can
make
deposits
and withdrawals
1
to
third
parties.
You
canunlimited
make unlimited
deposits
and withdrawals
of
the
prescribed
limits.
A Surcharge
may
be
assessed
by
the
ATM
owner
for
a
withdrawal
made
at
Overdraft
Protection
Fee
A Surcharge may be assessed by the ATM owner for a withdrawal madeatata branch or ATM. Failure to follow the transfer and/or withdrawal
atReturn
a branch
or ATM.
to follow the transfer and/or
Deposit
orFailure
Cash Item
$12.00withdrawal
each
certain ATMs
not
owned
by
First by
National
Bank.money
Transaction
limits
and
Transfers
from
checking,
savings,
or personal
line of
certain
ATMs
not
owned
First
National
Bank.market,
Transaction
limits and
limitations
mayItem
result
inresult
converting
your interest
bearingbearing
accountaccount
to a
limitations
may
in converting
your interest
to a
Stop
Charge
fees may
apply
transactions
made atmade
ATMsatnot
owned
First by
National
credit.
fees
maytoapply
to transactions
ATMs
not by
owned
First National
non-interest
bearingbearing
productproduct
type. type.
non-interest
Bank. Bank.Premierstyle Checking
Employee
Checking
No charge
No charge
Premierstyle Checking
No charge
Private Banking Select Checking
No charge
All other accounts
$37.00 each
$10.00 per transfer
All other accounts
Cash Alternatives
Money Order
Official Checks
See the Truth-In-Savings
disclosure
and the Deposit
Agreement
for full account
See the Truth-In-Savings
disclosure
and the Account
Deposit Account
Agreement
for full details.
account details.
Visa Gift Card
Fees apply
to all
accounts
unless otherwise
noted. Fees
areFees
subject
change
any time.
Fees
apply
to all accounts
unless otherwise
noted.
aretosubject
to at
change
at any time.
Travel Card
Products,Products,
services services
and prices
may
varymay
by market.
reserve
right the
to enforce
to delay
a delayVisa
and
prices
vary by We
market.
We the
reserve
right to or
enforce
or to
a
charge under
thisunder
schedule
without losing
thelosing
right the
to assess
charge
the future.
Visa Companion Travel Card
charge
this schedule
without
right tothe
assess
theincharge
in the future.
$5.00 each
$10.00 each
$3.95 each
$8.95 each
$2.95 each
MEMBERMEMBER
FDIC
Equal Housing
Lender Lender
FDIC
Equal Housing
31
Page 2
Page2 1
Page
FirstRate Money
Market Account
Business
Business
Account
Account
Fee
Schedule
Fee
Schedule
PERSONAL
ACCOUNT
FEE SCHEDULE
PERSONAL
ACCOUNT
FEE
SCHEDULE
Product Number 22221 Class Code 22
This summary is to help you understand the basic terms and conditions of your account. See the Personal Account Fee Schedule and the Deposit
Account Agreement for full details.
Effective
April
1,
20151, 2015
April
Effective
1, 2015
April
EffectiveEffective
April
1, 2015
Business
Business
Account
Account
Information
Information
Statements
Statements
and
Notices
andBox
Notices
Business
Account
Information
Statements
and
Notices
Image
and
Photocopy
Requests
Safe
Deposit
Image
and
Photocopy
Requests
Safe
Deposit
Box
Minimum Deposit to Open Account
$50.00 minimum to open online. No minimum to open in-branch.
Treasury
Treasury
Management
Management
and
Merchant
and
Merchant
Services
Services
Hold
Mail
Hold
Fee
Mail
Fee
$10.00
per
$10.00
month
per
month
Account
History
Printout
$5.00
each
Account History Printout
each
Fee
varies
by box size
Deposit
Fee
varies
by
box
size
Safe
Deposit
Box
RentalBox Rental
Service Charge $10.00 $5.00
If the
requirements to avoid the monthly service
charge
are notSafe
met.
Contact
aContact
Treasury
a
Treasury
Management
Management
Representative
for per hour
Other
Account
Other
Account
Charges
Charges
andand
Services
and Services
Other
Account
Charges
Services
Avoid the
Service Charge if You Meet
Account
Reconcilement/Research
Fee forper $20.00
Account
Reconcilement/Research
Fee $5,000 Representative
$20.00
hour
Safe
Deposit
Box
Drilling
$175.00
Safe
Deposit
Box
Drilling
$175.00
average daily balance.
quote.Price
quote.Price
dependant
dependant
upon
levelupon
of service(s)
level orofmore
service(s)
the
Following During
the Statement
Cycle
$50.00 $50.00
Abandoned
Abandoned
Property
Property
Escheat
Escheat
Minimum
charge of $20.00.
Minimum charge
of $20.00.
Safe
Deposit
Box Inventory
$25.00
Safe
Deposit
Box
Inventory
$25.00
Interest Bearing Yes
desired. desired.
Canadian/Foreign
Canadian/Foreign
Check
Handling
Check
Handling
Charge
Charge
$6.00 per
$6.00
item
pereach
item
Account Branch-Assisted
$5.00 each$5.00 each
Safe
Deposit
Box
Lost Key
Replacement
$25.00
Statement
Copy
Request
Safe
Deposit
Box
Lost
Key
Replacement
$25.00
each
Branch-Assisted
StatementPaper
Copy
Request
Statements
No Charge
Free
Small
Free
Business
Small
Business
Checking
Checking
Opening and
$10.00 each
$10.00
Check
Cashing
Check
Cashing
On-Us
(Non-Customer)
On-Us
No Charge
Check ImageDocument
with
Statement
Branch-Assisted
Copy
Request
Safe
Deposit
Box
Late(Non-Customer)
Payment Fee
$5.00
each
Branch-Assisted
Document
Copy
Request
$10.00each
Safe
Deposit
Box
Late Payment
Fee
$5.00
each
$10.00
AUsage
monthly
Amaintenance
monthly
maintenance
fee
is
not
fee
assessed
is
not
assessed
for
this
for
this
eStatements with Check Image No Charge
$20.00 each
$20.00
+ third
each
party
+ fees
third party fees
Collection
Collection
Item Domestic
Item Domestic
Check
Request
$5.00
each
Branch-Assisted
Check
Copy
Request
$5.00
each
account.Branch-Assisted
account.
Returned
Deposits
or Cashed
ItemCopy
Fee $12.00
For each
item
you deposit
or cash that is returned
unpaid. Currency
Foreign
Currency
Foreign
$75.00 each
$75.00
+ third
each
party
+ fees
third party fees
Collection
Collection
Item Foreign
Item Foreign
No Charge
FNBfrom
ATM
Fee
Fee
forfee
assistance
a Branch
Service Representative.
Per
fee
Per
initem
excess
inofaexcess
150*
ofService
150*
$0.30
$0.30
Fee item
for assistance
from
Branch
Representative.
ATM Withdrawal (Foreign ATM Fee) $2.50
Per transaction plus any fees the ATM ownerForeign
charges.
Counter
Check/Deposit
Counter
Ticket
Ticket
ForeignCheck/Deposit
Currency
Exchange
$1.00 each
$1.00 each
Currency
Exchange
NegativePhotocopies
Negative
CollectedCollected
Balance
Charge
Balance
Charge
Prime
Rate
Prime
+5%
Rate
+5%
$0.50
each
Photocopies
$0.50
each
Stop Item Charge $37.00
Per item
Dormant
Dormant
Account
Account
Fee
Fee
$10.00 per
$10.00
monthper month
Less in
than
in US value
$10.00
Less than
$250
US$250
value
$10.00
Compak Compak
Business
Business
Checking
Checking
$24.00 $24.00
Fee assessed
Fee
assessed
after
24
consecutive
after
24value
consecutive
months No
months
$250
or more
in US
Onlineand
Banking
and
Bill Pay
$250
or more
in
US
value
charge No charge
Online Banking
Bill Pay
Avoid theAvoid
monthly
thefee
monthly
if you fee
maintain
if you amaintain
minimum
minimum
dailyin-persondaily
Overdrafts
forachecks,
withdrawals, automatic bill payments or other
of inactivity.
of
inactivity.
Foreign
Travelers Checks
$1.00 per $100.00
Checks
$1.00 per $100.00
transactions using your account number may be authorized Foreign
paid, on aTravelers
case
by
Account
Transfer
Account
toAccount
Account
Internal
Transfer
balance
ofbalance
$1,500to
of
or
$1,500
an average
or Internal
andaily
average
balance
daily
ofbalance
of Item Fees do apply. and
case
basis.
Overdraft
and Returned
Dual Signature
Dual
Signature
Requirement
Requirement
$10.00
monthper month
Foreign
Priority
Overnight
Foreign
Priority
Overnight
Delivery Delivery$10.00 per
No debit
charge
No
charge
Online
Banking
FNB
OnlineFNB
Banking
$5,000.
$5,000.
Overdrafts
for
everyday
one-time
card
transactions
and
ATM
transactions
are
not
Standard Overdraft Practices
Early
Account
Early
Account
Closing
Closing
$50.00 $50.00
Less
than
$1,500
in
US
value
$10.00
authorized
and
paid,
unless
you
allow
FNB
to
do
so.
These
are
declined
at
no
cost.
Less
than
$1,500
in
US
value
$10.00
Per item
fee
Perinitem
excess
inofexcess
400*
of 400*Please
$0.30
$0.30
tofee
Person
(Popmoney)
Payment
Person
to Person
(Popmoney)
Payment
ask us for information on other services we offer that mayFee
be suitable
forFee
you, assessed
assessed
ifinthe
if the
account
closed
$1,500
oraccount
more
in is
US
valueis closed
$1,500
more
US
value
No charge No charge
such as an No
overdraft
protection
plan
or Rate
link to
a +5%
checking,
savings,
or moneyor
market
Negative
Negative
Collected
Balance
Balance Charge
Prime
Prime
Rate
+5%
StudentCollected
CheckingCharge
No
charge
Student Checking
charge
account.
within 180within
days 180
of opening.
days of opening.
Overdraft
All
other
accounts
$0.50
each
Overdraft Banking
Fee & ReturnedSweep
Item Fee (NSF) $37.00
Fee assessed
time an item
is paid or returned unpaid.
All
otherBanking
accounts
$0.50
eacheach
Business
Sweep
$24.00
$24.00
Wire
Transfers
Wire
Transfers
Garnishment
Garnishment
Fee
Fee
$175.00 $175.00
OptionsBusiness
Continuous
Overdraft
Fee a
$12.00
assessed every
3 business days that your account remains
Avoid
the
Avoid
monthly
the
monthly
if you(Popmoney
fee
maintain
if you
maintain
minimum
aFee
minimum
daily
daily
tofee
Person
Instant)
Person
to
Person
(Popmoney
Instant)
and Fees
overdrawn.
External External
Transfer
Transfer
Fee
$50.00
$50.00
$17.00 each
Incoming
Wire (Domestic
& International)
$17.00
each
Incoming
Wire
(Domestic
&Fee
International)
Instant
Payment
balance
ofbalance
$15,000.
of $15,000.
Instant
Payment
$3.00
$3.00
eachlinked
Per transfer
to a each
checking, savings, or money
market account.
Transfer
IRA
Transfer
or HSA
IRAfunds
or HSA
to another
funds to another
$10.00
Two
(2) at per
no charge per
Premierstyle
Two (2) at no
charge
Premierstyle
Checking Checking
Per item
fee
Perinitem
excess
inofexcess
400*
of 400*
$0.30
$0.30
tofee
Person
Request
Money
Person
to Person
Request
Money
institution.institution.
statement cycle
Overdraft Protection
Fee Charge
statement cycle
Transfers fromPrime
a personal
line
of +5%
credit.Rate
Transfers
from lines of credit
$10.00
Negative
Negative
Collected
Collected
Balance
Charge
Balance
Rate
Prime
+5%
(Popmoney)
(Popmoney)
Levies
$200.00 $200.00
are subject to the terms of the Applicable Agreement
and/orLevies
Disclosure
Statement,
which shall
to, interest charged
on (Depositors
This
account
This
transfers
accountoftransfers
funds
over
funds
$15,000
overto
$15,000
invest
on
to invest
Outgoing
Wire (Depositors
Only) Domestic
$25.00 each
Outgoing
Wire
Only) Domestic
$25.00
each
Medallion
Medallion
Stamp
Guarantee
Stamp
Guarantee
$10.00
$10.00
$1.00-$249.99
$0.50oninclude,
each but not limited
Transfers
ofTransfers
$1.00-$249.99
$0.50
each
amounts
transferred.
a
nightly
basis.
a
nightly
If
the
basis.
checking
If
the
checking
account
balance
account
drops
balance
drops
Outgoing
Wire
(Depositors
Only) International
$50.00 each
of $250.00-$999.99
Outgoing
Wire
(Depositors
Only)
International
$50.00
each
Night Deposit
Night
Annual
Deposit
Fee
Annual
Fee
$20.00
$20.00
Transfers ofTransfers
$250.00-$999.99
$0.75 each$0.75 each
below
a collected
below
a collected
balance
ofbalance
$15,000,
of $15,000,
funds will
funds
floweach
will$1.50
flow each
of (maximum)
$1,000.00
(maximum)
Transfers
ofTransfers
$1,000.00
$1.50
Night Deposit
Night Disposable
Deposit Disposable
Bag
Bag
Fee Varies
Fee Varies
Posting Order Generally, each business day* FNB will:
First,
add
all
credits
and
deposits
that
are
available
from the
investment
from the
account
back
account
into back
theStop
checking
into the checking
Theinvestment
order
in which
deposits
to
Person
(Popmoney)
Person
to Person
(Popmoney)
Stopand
Nightother
Deposit
Night Lock
Deposit
Bags
Lock Bags
$35.00 $35.00
Next, subtract any debit items. These include checks, withdrawals,
payments
account.Payment
account. withdrawals are processed. and account$10.00
fees. Please see$10.00
Account Agreement
for full details. Intermediary
Fees
Payment
Intermediary
Fees
eachthe Depositeach
Night Deposit
Night
Additional
Deposit Additional
Keys
Keys
$8.00
$8.00
Funds Availability
Type of Deposit
Expedited
Same-Day
Bill
Pay
Business
Business
Analysis
Analysis
Checking
Checking
$24.00
$24.00
Expedited Same-Day Bill Pay
Third
party
intermediary
banks
their
own
fees for processing
Third
party
intermediary
banks
charge
theircharge
own fees
for
processing
Return
Deposited
Return
Deposited
or Cash
Item
ormay
Cash
Itemmay
$12.00
$12.00
Same business day*
Checks drawn on FNB, electronic
direct deposits,
wire
Student
Checking
No
charge
Deposited
Deposited
and
Electronic
and Electronic
Items - per
Items
item- perNo
item
$0.17
$0.17
Student Checking
Processing
and cash
deposits made to a FNB teller.
charge transfers
international
wires
and will
their
fees
from
the total
amount of your
international
wires
will
deduct
theirdeduct
fees from
the
total
amount
of your
Stop ItemStop
Charge
Itemand
Charge
$37.00
$37.00
Policies Tickets
Funds
Availability
Deposit
Deposit
per
Tickets
ticket
per
ticket
$0.50
$0.50
Next business
day*
ATMs, check drawn on another bank, mobile
All
other accounts
$9.95ateach
All other accounts
$9.95
eachDeposits
wire
transfer.
First
National
is not responsible
for any intermediary
When funds deposited to your account
wire
transfer.
First
National
Bank
is notBank
responsible
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Cash
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Cash
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Cash
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Checks
per
item
per
item
$0.23
$0.23
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Pay
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NOTE:
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hold is
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Overnight Overnight
Bill Pay are Bill
$14.95 each
fees.
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day" is Monday through Friday excluding federal Overdraft
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Transfers
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Credit.
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if$100
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Visa
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$8.95
$8.95
All
other
accounts
$0.50
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All otheryour
accounts
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Consult
Consult
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your
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Representative.
Representative.
We encourage you to promptly reach out to us to report a lost or stolen card/password or report unauthorized transactions. Please
available
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refer to the Deposit Account Agreement for full details on Electronic Fund Transfers.
Visa Companion
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Travel
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$2.95
$2.95
Business
Business
Financial
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Solutions
Solutions
Dispute
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and ATM
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If thebalance
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Mail 4140 East State Street, Hermitage, PA 16148
A monthlyAmaintenance
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fee
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Resolution
Image
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fnb-online.com.
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be transferred.
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Minimum
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and
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Foreign
Foreign
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ForeignCurrency
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transfers
and withdrawals,
or a combination
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transfers and
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and
Estate
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$25.00 each
$25.00 transfers and
ATM/Debit
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$10.00
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$10.00 each
Foreign
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Avoid the
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month
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than
Less
$250
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Market
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Non-Profit
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Avoid theAvoid
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per
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ora provide
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ATM
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Overnight
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Negative Negative
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You
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Less
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Less
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than
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US
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Noand/or
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certain
ATMs
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certain
ATMs
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limits
Avoid
the
Avoid
monthly
thefee
monthly
if you
fee
maintain
if by
youFirst
amaintain
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limitations
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limitations may
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converting
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account
to a
fees
may
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to or
transactions
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ATMs by
notFirst
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fees
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National
balance
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Bank.
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Per item fee
Perinitem
excess
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400* of 400*
$0.30
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Negative Negative
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PreferredPreferred
Interest Checking
Interest Checking
A monthlyAmaintenance
monthly maintenance
fee is not fee
assessed
is not assessed
for this for this
account. This
account.
account
Thisisaccount
only available
is only available
to Schoolto School
and
Districts
Government
and
Government
Entities,
Entities,
as Account
such
as
See
the
Truth-In-Savings
disclosure
and
the
Deposit
Accountfor
Agreement
fordetails.
full account details.
SeeDistricts
the Truth-In-Savings
disclosure
and
thesuch
Deposit
Agreement
full account
Municipalities,
Municipalities,
Boroughs,
Boroughs,
and Townships.
and
Townships.
Certain
Certain
apply to unless
all accounts
unless
otherwise
noted.
Feestoare
subject
change
Fees apply toFees
all accounts
otherwise
noted.
Fees are
subject
change
at to
any
time. at any time.
restrictions
restrictions
apply.
Refer
apply.
to
your
Refer
Personal
to
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Personal
Banker
forBanker
for
Products,
and
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Products,
services
and services
prices
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market.
We
the
to enforce
or to
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delay a or to delay a
account
information.
account
information.
under
this
schedule
losing
the right
assessinthe
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this
schedule
without
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to assess
thetocharge
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future. in the future.
BusinessBusiness
FirstRateFirstRate
Money Market
MoneyAccounts
Market Accounts
$10.00 $10.00
Avoid theAvoid
monthly
thefee
monthly
if you fee
maintain
if you amaintain
minimum
a minimum
daily
daily
balance ofbalance
$5,000.of $5,000.
MEMBER
FDIC
Equal
Housing
Lender
MEMBER
FDIC
Equal
Housing
Lender
Public
Funds
Public
Money
Funds
Market
Money
Accounts
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Accounts
$10.00 $10.00
Avoid theAvoid
monthly
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if you fee
maintain
if you amaintain
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a minimum
daily
daily
balance ofbalance
$5,000.of $5,000.
Page12
Page
* Per item fees
* Per
include
item fees
Deposit
include
Tickets,
Deposit
Paid,Tickets,
Electronic
Paid,
and
Electronic
Deposited
and
Items
Deposited Items
32
Page
Page
1 2
FirstRate Money
Market Account
Business Account Fee Schedule
Business Account
Fee FEE
Schedule
PERSONAL
ACCOUNT
SCHEDULE
Product Number 22221 Class Code 22
This summary is to help you understand the basic terms and conditions of your account. See the Personal Account Fee Schedule and the Deposit
Account Agreement for full details.
EffectiveEffective
April 1,
1, 2015
2015
April 1, 2015
Effective
April
Overdraft
Services
Overdraft
Services
WireTransfers
Transfers
Business
Information
Statements
Wire
Image
and Account
Photocopy
Requests
Safe
Depositand
BoxNotices
Minimum Deposit to Open Account
$50.00 minimum to open online. No minimum to open in-branch.
$17.00
eachper month
Incoming
Wire
(Domestic
& International)
Treasury
Management
and
Merchant
Services
Hold
Mail
Fee
$10.00
Overdrafts
for checks,
in-person
withdrawals,
automatic
bill
payments
or
Account
History
Printout
$5.00
each
Fee
varies
by box size
Safe
Deposit Box Rental
Service Charge $10.00
If the requirements to avoid the monthly service charge are
not met.
Contact
atheTreasury
Management
Representative
forper and
Other
Account
Charges
Services
Outgoing
Wire
(Depositors
Only)and
Domestic
other transactions
using
your
account
number
may be authorized
paid,
$25.00
each
Avoid
Service
Charge
if You Meet
Account
Reconcilement/Research
Fee
$20.00
hour
Safe
Deposit
Box
Drilling
$175.00
$5,000of
or more
average daily balance.
quote.Price
dependant
upon
level
service(s)
the Following
During
the Statement
Cycle
on a case-by-case
basis.
Overdraft
and
Returned
Item
Fees
do
apply.
$50.00
Abandoned
Property
Escheat
Outgoing
Wire
(Depositors
Only)
International $50.00
each
Minimum charge of $20.00.
Safe
Deposit
Box Inventory
$25.00
Interest Bearing Yes
desired.
Overdrafts
for everyday one-time
debit
cardRequest
transactions
and each
ATM
Canadian/Foreign
Check
Charge $25.00
$6.00 per
item
Account
$5.00
Safe
Deposit Box Lost
KeyHandling
Replacement
each
Branch-Assisted
Statement
Copy
Paper Statements
No Charge
Free
Small
Business
Checking
Opening and are not authorized
transactions
paid,
unless
you allow FNB to do so.
$10.00 each
Check
Cashing
(Non-Customer)
No
Charge
Check Image
withand
Statement
Branch-Assisted
Document
Copy
Request
Safe
Deposit
BoxOn-Us
Late Payment
Fee
$5.00
each
$10.00
Usage
A
monthly
maintenance
fee
is
not
assessed
for
this
with Check Image No Charge
These are declined eStatements
at no cost.
$20.00 each + third party fees
Collection
Intermediary
Fees Item Domestic
Branch-Assisted
Check
$5.00
each
$12.00
Returned Deposits
or CashedCopy
Item Fee Request
account.
For each
item you
deposit or cash that is returned unpaid.
Foreign
Currency
$37.00
per item
Overdraft Fee
$75.00
each + third party fees
Collection
Item
Foreign
Third
party
intermediary
banks
may
charge
their
own
fees
for processing
No
Charge
FNB
ATM
Fee
Fee
assistance
from
a 150*
Branch
Service
Representative.$0.30
Per for
item
fee
in excess
of
An Overdraft
Fee
is charged
when
an $2.50
item
is paid.
ATM Withdrawal
(Foreign
ATM Fee)
Per transaction plus any fees the ATM owner international
charges. Foreign
Counter
Check/Deposit
$1.00
eachof your
Currency
wires
and will Exchange
deductTicket
their fees from the total
amount
Negative Collected
Balance
Charge
Prime
Rate
+5%
Photocopies
$0.50
each
$37.00
Stop
Item
Charge
Per
item
$37.00 per item
Returned Item Fee
Dormant
Account
$10.00
per month
wire transfer.
First
National
Bank
is not responsible for $10.00
any
intermediary
Less
than
$250 inFee
US value
Compak
Business
Checking
$24.00
A Returned
Item
Fee and
is assessed
Fee assessed
24 consecutive months No charge
$250
or more inafter
US value
Online Banking
Bill Payeach time an item is
fees.
Overdrafts for
in-person
withdrawals, automatic bill payments or other
the monthly fee if you maintain
a checks,
minimum
daily
returnedAvoid
unpaid.
ofby inactivity.
Overdraft
Protection
Travelers Checks
$1.00 per $100.00
transactions using your account number may be authorized and
paid, on Foreign
a case
Account
to of
Account
Transfer
balance
$1,500
or an average
dailyOverdraft
balance
of$8.00
case basis.
and Returned
Item Fees do apply.
Continuous
Overdraft
Fee Internal
Dual Signature
Requirement
$10.00 per month
Foreign
Priority Overnight
Delivery
Transfers
linked
charge
Online
$5,000.
Overdrafts
for everydayNo
one-time
debit card transactions and ATM transactions are not to a checking, savings, money market or personal line of
Fee FNB
assessed
on Banking
the
2nd
business
and every
Standard
Overdraft
Practicesday
Early
Account
Closing
$50.00
authorized
and
paid,
unless
you
allow
FNB
to
do
so.
These
are
declined
at
no
cost.
Less
than
$1,500
in
US
value
$10.00
credit are made
in increments of $100. However, if less than $100 is
Per
fee
in excess
ofremains
400*Payment
$0.30
Person
tothat
Person
(Popmoney)
business
dayitem
your
account
overdrawn.
Please
ask us for information on other services we offer that may be suitable for
you, assessed if the account is closed
Fee
$1,500
or funding
more inaccount,
US valuewe will transfer the
Nofull
charge
such as an overdraft protection
plan or linkPrime
to a checking,
savings,
or moneyfrom
market your
available
amount
Negative
Collected
Balance
Charge
Rate
+5%
Student
Checking
No
charge
Overdraft Protection Fee
account.
180 days
of opening.
Overdraft All Overdraft
available.
Ifwithin
the overdraft
balance
in your checking is greater than the
Fee & Returned
Item Fee (NSF)
$37.00
Fee assessed
each
time an item
is paid or returned
unpaid.
other
accounts
$0.50
each
Business
Sweep
$24.00
Transfer
from
a Banking
checking,
savings
or money
$10.00
Wire
TransfersFee
Garnishment
$175.00
Options
Continuous Overdraft Fee $12.00
available in your funding account, the entire available amount will
Fee assessed every
3 business days that youramount
account remains
Avoidtothe
monthly
fee if you maintain
daily
and
Fees
Person
Person
(Popmoney
Instant) a minimum
market
account.
overdrawn.
External
Transfer
Fee
$50.00
$17.00
each
Incoming
Wire
(Domestic
& International)
be transferred.
If the
amount
available
in the funding account
is used
in
balance
of $15,000.
Instant
Payment
$3.00
each
Per
transfer
linked
to
a
checking,
savings,
or
money
market
account.
$10.00
Transfer IRA or HSA funds to another
DebitCard
Card
and
ATM
Transactions
Debit
and
ATM
Transactions
full,
Overdraft
and
Returned
Item
Fees
may
apply
to
the
overdrawn
Two (2) at no charge per
Premierstyle Checking
Per item
fee in excess
of Money
400*
$0.30
Person
to Person
Request
institution.
charge
amount.
transfers are subject to availability of funds in the
funding cycle
Overdraft Protection
Fee Charge
Transfers fromNo
a personal
line
of credit.
Transfers
from linesAll
of credit
$10.00
statement
FNB ATM
Fee
Negative Collected
Balance
Prime
Rate
+5%
(Popmoney)
Levies
$200.00
are subject to the terms of the Applicable Agreement and/or
Disclosure
and
any
other
applicable
conditions,
such as transaction
$2.50
Fee For ATM
Withdrawal
(Foreign
ATM
Fee)
Statement,
which
shall
include, but not limitedaccount
to, interestOutgoing
charged
on
This
account
transfers
funds
over
$15,000
to
invest
on
Wire
(Depositors
Only) Domestic
$25.00 each
Medallion
Stamp
Guarantee
$10.00
Transfers of $1.00-$249.99
each
amounts$0.50
transferred.
limitations if the funding account is a savings account or a money market
ATM/DebitTransfers
Replacement
$10.00
aCard
nightly
basis.
If the checking account balance
drops
Outgoing
Wire (Depositors
$50.00 each
Night Deposit
Annual Fee Only) International$20.00
of $250.00-$999.99
$0.75
each
deposit account. Transfers from lines of credit are subject to the terms of
below
a collected
balance
of $15,000,
funds
will
flow
ATM/DebitTransfers
Card Replacement
Expedited
$50.00
of $1,000.00
(maximum)
$1.50
each
Generally,
each
business
day*
FNB
will:
Night Deposit Disposable Bag
Fee Varies
Posting Order
the
Applicable
Agreement
and/or
Disclosure
Statement,
which
shall
First,
add
all
credits
and
deposits
that
are
available
from to
thePerson
investment
account
into the checking
Shipping
The
order in(Popmoney)
which deposits
and back
Person
Stop
$35.00
Next, subtract any debit items. These include checks, withdrawals, other Night
payments Deposit Lock Bags
include,
but not be limited to, interest charged on amounts
transferred.
account. withdrawals are processed. and account fees. Please$10.00
see the Deposit Account Agreement
for full details.
Payment
Intermediary
Fees
each
Night Deposit Additional Keys
$8.00
Funds Availability
Type of Deposit
Transaction
Limitations
on Savings
and charge
Moneytheir
Market
Accounts
BusinessFees
Analysis
Checking
$24.00
Expedited
Same-Day
Bill Pay
Third
intermediary
banksItem
may
own
fees for processing
Same business day*
Checks drawn on FNB, electronic direct deposits,
wireparty
ATM Surcharge
Return
Deposited
or Cash
$12.00
Deposited
and Electronic Items - per item
$0.17
Processing Student
Checking
and cash
deposits made to a FNB teller.
Notransfers
charge
international
wires
and
will
deduct
their
fees
from
the
total
of your
The
depositor
is
permitted
or
authorized
to
make
no
more
than
sixamount
(6)
Stop
Item
Charge
$37.00
Policies Deposit
Funds
Availability
A Surcharge
may
be
assessed
by
the
ATM
owner
for
a
withdrawal
made
at
Tickets
per
ticket
$0.50
Next
business
day*
Deposits
at
ATMs,
check
drawn
on
another
bank,
mobile
All other
accounts
$9.95 each
When funds deposited to your account
wire
transfer.
First National
Bank is not
for and
any intermediary
transfers
and
withdrawals,
or a combination
of responsible
such transfers
banking deposits.
Cash
Alternatives
Paid
Checks
per
item
$0.23
certain ATMs
not
owned
by
First
National
Bank.
Transaction
limits
and
are
available.
NOTE: You
will be notified in the event that fees.
a longer hold is
Expedited Overnight Bill Pay
$14.95
each
withdrawals,
perOrder
calendar month or statement cycle including
$5.00 transfers to
Money
applied
to your
deposit. Rate +5%
Negative
CollectedTransfer
Balance
Prime
fees may
apply
tototransactions
made at-Charge
ATMs
not Pay
owned by
First
National
1
Account
Account
FNB
Bill
Overdraft
Protection
another
account
a transaction account) of the$10.00
depositor at the
*A "business
day" is Monday through Friday excluding federal
holidays. Please
see the (including
Official
Checks
Bank.
Serviceto
charges
can
beexternal
offset Deposit
with
aAccount
tiered
Earnings
Agreement
for cut
off times and full details on Funds Availability.
Internal
external
and
to internal
account
transfers.
same institution
to a third
party by means
of preauthorized,
Transfers
to a checking,
savings,
money market
or personalorline of
Visa Giftorlinked
Card
$3.95 telephone
Credit. For
FDIC Charge and Earnings CreditNo
Rate
Student
Checking
charge
automatic
transfer,
orCard
byincheck,
draft, of
debit
card
or similar
orderthan
made
by is
credit
are made
increments
$100.
However,
if less
$100
Visa
Travel
$8.95
All
other
accounts
$0.50
each or report unauthorized transactions.
Consult
your
Management
We
encourage
you Treasury
to promptly reach
out to us to reportRepresentative.
a lost or stolen
card/password
Please
the depositor
andfrom
payable
to
thirdCard
parties.
A we
Regwill
D transfer
transfer
fee full
of $15.00
available
your Travel
funding
account,
the
amount
refer to the Deposit Account Agreement for full details on Electronic Fund Transfers.
Visa
Companion
$2.95
Business
Dispute
will be assessed
each
transaction
in excess
the prescribed
limits.
Debit
CardFinancial
and ATM Solutions
Transactions
available. for
If the
overdraft
balance
in yourofchecking
is greater
than the
Mail 4140 East State Street, Hermitage, PA 16148
fee is not assessed for this
Resolution A monthly maintenance
Image
and
Photocopy
In Person Visit us at any FNB branch, find the location nearest you at fnb-online.com.
You canamount
make unlimited
deposits
and withdrawals
at a
branch
or ATM.
available
in your Requests
funding
account, the
entire
available
amount will
FNBaccount.
ATM Fee
No
charge
By Phone 1-800-555-5455
Failure be
to
follow
the
transfer
limitations
may
result
in
converting
your
transferred.
If the
amount available in the funding
account is used in
$5.00
Account
History
Printout
FeePer
Foritem
ATMfee
Withdrawal
(Foreign
in excess of
150* ATM Fee) $2.50 each $0.30
interestfull,
bearing
account
a non-interest
bearing
Overdraft
andtoReturned
Item Fees
mayproduct
apply$20.00
totype.
the per
overdrawn
hour
Employee
Checking Balance Charge
One (1) refunded
Negative Collected
Primeper
Rate +5% Account Reconcilement/Research Fee
amount.
All transfers
are$20.00.
subject to availability of funds in the funding
Minimum
charge of
calendar month
Member FDIC
Business
Interest Checking
$24.00
account
and any other
applicable
conditions,
as transaction
$5.00
each
Student
Checking
Two daily
(2) refunded per
Branch-Assisted
Statement
Copy
Requestsuch
Avoid the
monthly fee if you maintain a minimum
limitations
if the funding
accountCopy
is a savings
account
oreach
a money market
Financial Services - Bankers Systems* Form TIS-BRO 8/19/92 Custom 4t 4354408-010 calendar
MDF. EPATIS17 month
(page
2
of
2)
Branch-Assisted
Document
Request
-1992 Wolters Kluwer
$5.00
balance of $2,000 or an average daily balance of
deposit account. Transfers from lines of credit are subject to the terms of
$4,000.
Premierstyle
Checking
No charge
$5.00
each
Branch-Assisted
Check
Copy
Request
the Applicable Agreement and/or Disclosure Statement, which shall
DepositedShale
and Electronic
- per item
Marcellus
WorkplaceItems
Banking
No charge $0.17
Fee for
from
Branch charged
Service on amounts transferred.
include,
but assistance
not be limited
to,ainterest
Deposit Tickets
- per ticket
Workplace
Banking
No charge $0.50
Representative.
2
Transaction Limitations on Savings and Money Market Accounts
Paid Checks
- per
itemChecking
Private
Banking
Select
No charge $0.23
Photocopies
$0.50
Negative
Collected
Balance
depositor is permitted or authorized to make no more than six (6)
Private
Banking
Select
MoneyCharge
Market
No charge Prime Rate +5% The
Foreign Currency
transfers and withdrawals, or a combination of such transfers and
Estate Management
Account with Interest $10.00 each$25.00
ATM/Debit
Card Replacement
Foreign Currency
Exchange
Avoid the
monthly
fee if you maintain
a minimum daily
withdrawals,
per calendar
month for Savings Accounts or statement cycle
ATM/Debit
Card
Replacement
Expedited
Less than
$250
in US value
balance
of
$50,000.
for
Money
Market
Accounts
including transfers to$10.00
another account
$50.00 each
Shipping
$250 or
more in US account)
value
Non-Profit Checking
$5.00
charge
(including
a transaction
of the depositorNo
at the
same institution or
Avoid the monthly fee if you maintain a minimum daily
toForeign
a third party
by means
of preauthorized, telephone
automatic
Travelers
Checks
$1.00orper
$100.00transfer,
balance
of $100
or provide a tax-free TIN.
or
by check,
draft, Overnight
debit card or
similar order made by the depositor and
ATM
Surcharge
Fees
Foreign
Priority
Delivery
Negative Collected Balance Charge
Prime Rate +5% payable
third$1,500
parties.
can make unlimited $10.00
deposits and withdrawals
Lesstothan
in You
US value
ANon-Profit
SurchargeInterest
may be Checking
assessed by the ATM owner for a withdrawal
$5.00 made at
at a $1,500
branch or
or more
ATM.inFailure
to follow the transfer No
and/or
withdrawal
US value
charge
certain
ATMs
not owned
Firstmaintain
NationalaBank.
Transaction
Avoid
the monthly
feeby
if you
minimum
daily limits and
limitations may result in converting your interest bearing account to a
feesbalance
may apply
to
transactions
made
at
ATMs
not
owned
by
First
National
of $100 or provide a tax-free TIN.
non-interest bearing product type.
Bank.
Per item fee in excess of 400*
$0.30
Negative Collected Balance Charge
Prime Rate +5%
Preferred Interest Checking
A monthly maintenance fee is not assessed for this
account. This account is only available to School
and Government
Entities,
asAccount Agreement for full account details.
See Districts
the Truth-In-Savings
disclosure
and the such
Deposit
See the Truth-In-Savings
disclosure
and the
Deposit
AccountCertain
Agreement for full account details.
Municipalities,
Boroughs,
and
Townships.
Fees apply to all accounts unless otherwise noted. Fees are subject to change at any time.
Refer
to vary
your
Personal
Banker
forchange
Fees apply
torestrictions
all accounts
unless
otherwise
noted.
Fees
areWe
subject
to
time. or to delay a
Products,
servicesapply.
and prices
may
by
market.
reserve
the rightattoany
enforce
account
information.
Products,charge
services
andthis
prices
may vary
by market.
Weright
reserve
the right
enforce
delay a
under
schedule
without
losing the
to assess
thetocharge
in or
thetofuture.
charge under
this schedule
without
losing Market
the right to
assess the charge in the$10.00
future.
Business
FirstRate
Money
Accounts
Avoid the monthly fee if you maintain a minimum daily
balance of $5,000.
MEMBER
FDIC
Equal
Housing
Lender
MEMBER
FDIC Funds
Equal
Housing
LenderAccounts
Public
Money
Market
$10.00
Avoid the monthly fee if you maintain a minimum daily
balance of $5,000.
Page 2 Page
Page 21
* Per item fees include Deposit Tickets, Paid, Electronic and Deposited Items
33
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www.fnb-online.com
1-800-555-5455