Kiowa County National Bank
(Branch Girard National Bank)
1220 Main Street
P.O. Box 847
Eads, CO 81036
(719) 438-5331
(719) 438-2234 fax
ELECTRONIC FUND TRANSFERS
YOUR RIGHTS AND RESPONSIBILITIES
This agreement covers the use of each Kiowa County National Bank (Branch Girard National Bank) Debit/Check Card. For your Card to be valid, you must have an open checking account in good standing with us. An “electronic funds transfer” means a transfer of funds other than a transaction originated by check, draft or similar paper instrument which is initiated through an electronic terminal, telephone, or computer tape which instructs a financial institution to debit or credit a savings account.
- USE OF YOUR CARD
By signing and using your card, you acknowledge receipt of this Agreement and agree to be bound by it. The following activities are covered under this Agreement: - Purchase goods and services anywhere the card is honored.
- Obtain cash advances from participating banks.
- Make cash withdrawals from ATMs up to $200.00 each business day.
- Check your account balances.
- Make transfers between your Checking and Savings Account.
- VISA BANKING CARD (DEBIT CARD) TERMS:
- Charges to Account:
The following events shall result in immediate payment or segregation of funds from your Checking Account: (a) authorization of a transaction through a merchant’s Point of Sale (POS) terminal; (b) receipt by the Bank of merchant sales draft or advance draft; (c) an automated teller machine (ATM) withdrawal; and (d) payment of funds from under your checking account by the Bank’s tellers. We are under no obligation to honor checks (except as provided under Check Guarantee Program) or authorize transactions for which there are not sufficient funds available or available line-of-credit after payment or segregation of funds as described above. - Annual Fees:
The annual fee for this Card is $ 12.00 per year. This fee may be charged at the discretion of the Bank. If the Bank changes these fees, the Bank will publish the change in its Deposit Account Terms and Conditions and notify you in advance. - Joint Tenancy:
If there is more than one card account owner, each is jointly and severally liable under this Agreement and authorizes any other account owner acting alone to carry out terms of this Agreement. - Electronic Terminal Access:
We will issue a Personal Identification Number (PIN) separately from your card. The PIN will enable you to use Automated Teller Machines in various locations. DO NOT WRITE THE PIN ON THE CARD OR KEEP IT WITH YOUR CARD. We will not be liable if the electronic terminal fails to function, or if your Card is rejected or confiscated by a merchant, if previously reported lost or stolen and you attempt to use it. - Not a Credit Card:
The VISA Banking or Debit Card is not a credit card. It is a substitute for the use of a paper check. It is not a separate credit account device. - PREAUTHORIZED TRANSFERS & TELEPHONE TRANSFERS
We offer a preauthorized transfer, deposit and withdrawal service (ACH) and telephone transfer service. You may authorize us to do the following:- Preauthorized Deposit to: Checking, Savings, or Retirement.
- Preauthorized Withdrawal from: Checking, Savings, or Retirement.
- Telephone transfer of funds from:
- Checking to Savings
- Checking or Savings to Retirement
- Checking or Savings for payment of Kiowa County National Bank (Branch Girard National Bank) loans
- Preauthorized wire transfers to other financial institutions
- RIGHTS AND REQUIREMENTS
- FEES
- STATEMENTS AND RECEIPTS
- AVAILABILITY OF FUNDS
- STOP PAYMENTS
- FOREIGN TRANSACTIONS
- LOST OR STOLEN CARD
- ERRORS OR QUESTIONS ABOUT ANY ELECTRONIC FUNDS TRANSFER INITIATED WITH THIS CARD
- Tell us your name and account number.
- Describe the error or transfer you are unsure about and explain as clearly as you can why you believe that there is an error or why you need more information.
- Tell us the dollar amount of the suspected error.
- BANK LIABILITY FOR FAILURE TO MAKE TRANSFERS
We will be liable for your losses or damages if we do not complete a transfer to or from your account on time or in the correct amount according to our Agreement with you. There are exceptions to this liability. We will not be liable if: - Through no fault of ours you do not have enough money in the account to make the transfer.
- The funds in your account are subject to legal process or other encumbrances restricting the transfer.
- The transfers are in excess of your legal credit limit on your overdraft line.
- The ATM machine where you are attempting to make the transfer does not have enough cash.
- The ATM is not working properly and you know about the malfunction prior to initiating the transfer.
- There is a technical malfunction known to you at the time that a preauthorized transfer should occur.
- Circumstances beyond our control, such as fire, flood, or other Acts of God prevent the transfer, despite reasonable precautions that we have taken.
- ACCOUNT INFORMATION DISCLOSURE
We will disclose information to third parties about your account and the transfers you make when: - It is necessary for the completion of transfers
- It is necessary to verify the existence and condition of your account for a third party such as a merchant or credit bureau
- It is necessary to comply with a government agency or court order
- You provide us with your permission
- DELAY IN ENFORCEMENT:
If we delay in enforcing or fail to enforce any of our rights under this Agreement, we will not have lost or waived our rights.
Debit/Check Card – You may:
You promise to maintain a checking account with us while you have a Card. Personal checks that may be guaranteed with this Card must be drawn on the same account. If you permit someone else to use your Card to make purchases or obtain cash, you authorize us to charge your account for the transaction. If your account is in joint ownership, all account holders will be liable, individually and jointly, for any amount of any Card transaction.
If your checking account is closed for any reason, this Agreement and your right to use the card will automatically be cancelled. We may revoke your Card at any time with written notification to you. If your Card is cancelled, you must immediately stop using your Card. You remain liable for any amounts you owe under this agreement. Cancellation will not affect transactions already initiated.
You may cancel this Card by writing to us at the address on your checking account statement. All cards must be returned to the bank.
If it becomes necessary to take legal action to enforce the terms of this Card, you will be responsible for our costs and expenses, including reasonable attorney’s fees.
Card fees are assessed annually. There is an additional fee for reissued Cards. Please refer to the Bank’s Deposit Accounts Terms and Conditions for current fees.
Each time you use a teller machine, you will receive a receipt showing the transaction. Your regular monthly statement will describe each Card transaction that occurred during the preceding statement period, including the amount and date of the transaction and the name of the location and/or seller. You should keep copies of sales drafts and cash advance forms. They will not be returned in your statement but are available upon request and for a fee.
At the time you make a purchase or cash advance, funds in your checking account equal to the amount of the transaction may be held until the transaction is posted to your account. Funds from deposits made prior to 2:00 p.m. at an automated teller machine will generally be available no later than the first business day after the day of your deposit.
You agree to waive any rights you may have to stop checks whose payment has been guaranteed by the use of your Card.
If you have preauthorized us to make regular payments from your account, you may stop the payments by advising us of your intent at least three business days prior to the date the payment is scheduled to occur.
We will require written authorization for the stop payment within 14 days of your request. See Kiowa County National Bank (Branch Girard National Bank)’s fee schedule brochure for charges.
All transactions on your account will be stated in U.S. Dollars. If you use your Card to incur a debit to your account in foreign currency, it will convert to U.S. Dollars when the debit is processed at the exchange rate at that time.
If your card is lost or stolen, or you believe that someone has transferred or may transfer money from your account without your permission, YOU MUST NOTIFY US AT ONCE at the telephone number shown below. If your card is then used by an unauthorized person in connection with a teller machine, you will not be held liable for such an unauthorized transfer. If the unauthorized use is in connection with a card transaction at a merchant, you can lose no more than $ 50.00 if someone used your card or PIN without your permission. If you do not notify us after you learn of the loss of your Card or PIN and we can prove that we could have stopped someone from using your card or PIN if you had told us, you could lose as much as $ 500.00. Also, if your statement shows transfers that you did not make and you failed to notify us within 60 days after the statement was mailed to you, you could be liable for the full amount of the unauthorized merchant transaction occurring after the 60 days if we can prove that the unauthorized transaction could have been prevented had you told us in time.
NOTIFY THE BANK IMMEDIATELY IF YOUR CARD HAS BEEN LOST OR STOLEN OR IF YOU BELIEVE THAT SOMEONE HAS TRANSFERRED OR MAY TRANSFER MONEY FROM YOUR ACCOUNT WITHOUT YOUR PERMISSION.
CALL (719) 336-4382 OR WRITE
Operations
Kiowa County National Bank (Branch Girard National Bank)
P.O. Box 1108 - Lamar, Colorado 81052
Our lobby hours are Monday through Thursday, 8:30 - 4:30, Friday 8:30 – 5:00
Call or write us at the telephone or address on this Agreement as soon as you believe your statement or receipt describing an electronic funds transfer is wrong or if you need more information about an electronic funds transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared.
If you tell us orally, we may require that you send us a copy of your complaint or question in writing within 10 business days.
We will tell you the results of our investigation within 10 business days after we hear from you and will promptly correct any error. If we need more time, we may take up to 45 days to investigate your complaint or question. If we do this, we will recredit your account within 10 business days for the amount that you believe is in question, so that you may have use of the funds during the time it takes us to complete our investigation. If we ask you to place your complaint in writing and we do not receive writing from you within 10 business days, we will not credit your account.
If we determine that there is no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used.
