Indicated below are types of Electronic
Fund Transfers we are capable of handling, some of which
may apply to your account. Please read this disclosure
carefully because it tells you your rights and obligations
for the transactions listed. You should keep this notice
for future reference.
Electronic Funds Transfers Initiated
By Third Parties. You
may authorize a third party to initiate electronic funds
transfers between your account and the third party's
account. These transfers to make or receive payment
may be one-time occurrences or may recur as directed
by you. These transfers may use the Automated Clearinghouse
(ACH) or other payments network. Your authorization
to the third party to make these transfers can occur
in a number of ways. In some cases, your authorization
can occur when the merchant posts a sign informing you
of their policy. In all cases, the transaction will
require you to provide the third party with your account
number and financial institution information. This information
can be found on your check as well as on a deposit or
withdrawal slip. Thus, you should only provide your
financial institution and account information (whether
over the phone, the Internet, or via some other method)
to trusted third parties whom you have authorized to
initiate these electronic funds transfers. Examples
of these transfers include:
· Preauthorized credits - You may make arrangements
for certain direct deposits to be accepted into your checking
or savings.
· Preauthorized payments - You may make arrangements
to pay certain recurring bills from your checking or savings.
· Electronic check conversion. You may provide your
check to a merchant or service provider who will scan the
check for the encoded financial institution and account
information. The merchant or service provider will then
use this information to convert the transaction in an electronic
funds transfer.
· Electronic returned check charge. You may authorize
a merchant or service provider to electronically collect
a charge in the event a check is returned for insufficient
funds.
ON CALL BANKING transactions - types of transactions - You may access
your account by telephone using your account number(s),
personal identification number (PIN) and touch tone phone
to:
· transfer funds from checking to checking
· transfer funds from checking to savings
· transfer funds from savings to checking
· transfer funds from savings to savings
· make payments from checking to loan
· get balance information about checking or savings
· get withdrawal history about checking or savings
· get deposit history about checking or savings
· get transaction history about checking or savings
You may access your account for telephone
transactions at the following number(s) and during the
following hours:
· (770)476-5552 (24 HOURS)
ATM Card transactions - types of transactions - You may access
your account(s) by ATM using your ATM Card and your personal
identification number (PIN) to:
· deposit funds to checking or savings
· withdraw cash from checking or savings
· transfer funds from checking to savings
· transfer funds from savings to checking
· transfer funds from checking to checking
· transfer funds from savings to savings
· get balance information about checking or savings
Some of these services may not be available
at all terminals.
Visa Check Card ATM transactions - types of transactions - You may access
your account(s) by ATM using your Visa Check Card and your
personal identification number (PIN) (as applicable) to:
· deposit funds to checking or savings
· withdraw cash from checking or savings
· transfer funds from checking to checking
· transfer funds from checking to savings
· transfer funds from savings to checking
· transfer funds from savings to savings
· get balance information about checking or savings
Some of these services may not be available
at all terminals.
Visa Check Card point-of-sale transactions
- types
of transactions - You may access your checking account(s)
by debit card to:
· purchase goods in person or by phone
· pay for services in person or by phone
· get cash from a participating merchant or financial institution
Internet Banking - types of transfers - You may access
your accounts by computer at www.fnbgwinnett.com and using
your personal identification number (PIN) and Access ID
to:
· transfer funds from checking to savings
· transfer funds from checking to checking
· transfer funds from savings to checking
· transfer funds from savings to savings
· make payments from checking to loan
· get balance information about checking, savings, certificates
of deposit, line of credit or loan
· get withdrawal history about checking, savings, certificates
of deposit, line of credit or loan
· get deposit history about checking, savings, certificates
of deposit, line of credit or LOAN
· get transaction history about checking, savings, certificates
of deposit, line of credit or LOAN
Limits and fees - Please refer to our fee disclosure
for information about fees and limitations that may apply
to these electronic fund transfers.
ATM Operator/Network Fees - When you use an ATM not owned by us,
you may be charged a fee by the ATM operator or any network
used (and you may be charged a fee for a balance inquiry
even if you do not complete a fund transfer).
Limitations on frequency of transfers
- In
addition to those limitations on transfers elsewhere
described, if any, the following limitations apply to
your savings, money markets account(s):
During any calendar month or statement
cycle of at least four weeks, you may not make more than
six withdrawals or transfers to another account of yours
or to a third party by means of a preauthorized or automatic
transfer or telephone order or instruction. No more than
three of the six transfers may be made by check, draft,
debit card (if applicable) or similar order to a third
party. If you exceed the transfer limitations set forth
above in any statement period, your account will be subject
to closure by the financial institution.
Documentation
Terminal transfers - You can get a receipt at the time
you make any transfer to or from your account using one
of our automated teller machines or point-of-sale terminals.
Preauthorized credits - If you have arranged to have direct
deposits made to your account at least once every 60 days
from the same person or company:
· the person or
company making the deposit will tell you every time they
send us the money.
· you can call us at (770)476-7777 to find out whether or not
the deposit has been made.
Periodic statements - You will get a monthly account statement
from us for your checking account(s).
You will get a quarterly account statement
from us for your savings account(s), if the only possible
electronic transfers to or from the account are preauthorized
credits.
You will get a monthly account statement
from us for your savings account(s), unless there are no
transfers in a particular month. In any case, you will
get a statement at least quarterly.
Preauthorized Payments
Right to stop payment and procedure
for doing so - If
you have told us in advance to make regular payments
out of your account, you can stop any of these payments. Here
is how:
Call or write us at the telephone number
or address listed in this disclosure in time for us to
receive your request three business days or more before
the payment is scheduled to be made. If you call, we may
also require you to put your request in writing and get
it to us within 14 days after you call.
Notice of varying amounts - If these regular payments may vary
in amount, the person you are going to pay will tell you,
10 days before each payment, when it will be made and how
much it will be. (You may choose instead to get this notice
only when the payment would differ by more than a certain
amount from the previous payment, or when the amount would
fall outside certain limits that you set.)
Liability for failure to stop payment
of preauthorized transfer - If you order us to stop one of these payments three business days or
more before the transfer is scheduled, and we do not
do so, we will be liable for your losses or damages.
Financial Institution's Liability
Liability for failure to make transfers
- If
we do not complete a transfer to or from your account
on time or in the correct amount according to our agreement
with you, we will be liable for your losses or damages.
However, there are some exceptions. We will not be liable,
for instance:
(1) If, through no fault of ours, you
do not have enough money in your account to make the transfer.
(2) If you have an overdraft line and
the transfer would go over the credit limit.
(3) If the automated teller machine
where you are making the transfer does not have enough
cash.
(4) If the terminal or system was not
working properly and you knew about the breakdown when
you started the transfer.
(5) If circumstances beyond our control
(such as fire or flood) prevent the transfer, despite reasonable
precautions that we have taken.
(6) There may be other exceptions stated
in our agreement with you.
Confidentiality
We will disclose information to third
parties about your account or the transfers you make:
(1) where it is necessary for completing
transfers; or
(2) in order to verify the existence
and condition of your account for a third party, such as
a credit bureau or merchant; or
(3) in order to comply with government
agency or court orders; or
(4) If you give us written permission.
Unauthorized Transfers
(a) Consumer liability: Tell us at once if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is
the best way of keeping your possible losses down. You
could lose all the money in your account (plus your maximum
overdraft line of credit). If you tell us within two business
days, you can lose no more than $50 if someone used your
card and/or code without your permission. (If you believe
your card and/or code has been lost or stolen, and you
tell us within 2 business days after you learn of the loss
or theft, you can lose no more than $50 if someone used
your card and/or code without your permission.)
If you do not tell us within two business
days after you learn of the loss or theft of your card
and/or code, and we can prove we could have stopped someone
from using your card and/or code without your permission
if you had told us, you could lose as much as $500.
Also, if your statement shows transfers
that you did not make, including those made by card, code or other means, tell us at once. If you do not tell
us within 60 days after the statement was mailed to you,
you may not get back any money you lost after the 60 days
if we can prove that we could have stopped someone from
taking the money if you had told us in time.
If a good reason (such as a long trip
or a hospital stay) kept you from telling us, we will extend
the time period.
(b) Contact in event of unauthorized
transfer: If
you believe your card and/or code has been lost or stolen
or that someone has transferred or may transfer money
from your account without your permission, call or write
us at the telephone number or address listed in this
disclosure.
You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.
Error Resolution Notice
In case of errors or questions about
your electronic transfers, call or write us at the telephone
number or address listed in this disclosure, as soon as
you can, if you think your statement or receipt is wrong
or if you need more information about a transfer listed
on the statement or receipt. We must hear from you no later
than 60 days after we sent the FIRST statement on which
the problem or error appeared.
(1) Tell us your name and account number
(if any).
(2) Describe the error or the transfer
you are unsure about, and explain as clearly as you can
why you believe it is an error or why you need more information.
(3) Tell us the dollar amount of the
suspected error.
If you tell us orally, we may require
that you send us your complaint or question in writing
within 10 business days.
We will determine whether an error
occurred within 10 business days (20 business days if the
transfer involved a new account) after we hear from you
and will correct any error promptly. If we need more time,
however, we may take up to 45 days (90 days if the transfer
involved a new account, a point-of-sale transaction, or
a foreign-initiated transfer) to investigate your complaint
or question. If we decide to do this, we will credit your
account within 10 business days (20 business days if the
transfer involved a new account) for the amount you think
is in error, so that you will have the use of the money
during the time it takes us to complete our investigation.
If we ask you to put your complaint or question in writing
and we do not receive it within 10 business days, we may
not credit your account. Your account is considered a new
account for the first 30 days after the first deposit is
made, unless each of you already has an established account
with us before the account is opened.
We will tell you the results within
three business days after completing our investigation.
If we decide that there was no error, we will send you
a written explanation.
You may ask for copies of the documents
that we used in our investigation.
If you have inquiries regarding your
account, please contact us at:
FIRST NATIONAL BANK OF GWINNETT
2734
MEADOW CHURCH ROAD
DULUTH, GA 30097
BUSINESS DAYS: Monday, Tuesday, Wednesday,
Thursday and Friday
Holidays are included unless specifically
provided otherwise.
Other than the days and exclusions
listed, we are also closed on Federal Holidays
PHONE: (770)476-7777
Notice Of ATM/Night Deposit Facility
User Precautions
As with all financial transactions,
please exercise discretion when using an automated teller
machine (ATM) or night deposit facility. For your own
safety, be careful. The following suggestions may be helpful.
1. Prepare for your transactions at
home (for instance, by filling out a deposit slip) to minimize
your time at the ATM or night deposit facility.
2. Mark each transaction in your account
record, but not while at the ATM or night deposit facility. Always
save your ATM receipts. Don't leave them at the ATM or
night deposit facility because they may contain important
account information.
3. Compare your records with the account
statements you receive.
4. Don't lend your ATM card to anyone.
5. Remember, do not leave your card
at the ATM. Do not leave any documents at a night deposit
facility.
6. Protect the secrecy of your Personal
Identification Number (PIN). Protect your ATM card as
though it were cash. Don't tell anyone your PIN. Don't
give anyone information regarding your ATM card or PIN
over the telephone. Don't write your PIN where it can
be discovered. For example, don't keep a note of your
PIN in your wallet or purse.
7. Prevent others from seeing you
enter your PIN by using your body to shield their view.
8. If you lose your ATM card or if
it is stolen, promptly notify us. You should consult the
other disclosures you have received about electronic fund
transfers for additional information about what to do if
your card is lost or stolen.
9. When you make a transaction, be
aware of your surroundings. Look out for suspicious activity
near the ATM or night deposit facility, particularly if
it is after sunset. At night, be sure that the facility
(including the parking area and walkways) is well lighted. Consider
having someone accompany you when you use the facility,
especially after sunset. If you observe any problem, go
to another ATM or night deposit facility.
10. Don't accept assistance from anyone
you don't know when using an ATM or night deposit facility.
11. If you notice anything suspicious
or if any other problem arises after you have begun an
ATM transaction, you may want to cancel the transaction,
pocket your card and leave. You might consider using another
ATM or coming back later.
12. Don't display your cash; pocket
it as soon as the ATM transaction is completed and count
the cash later when you are in the safety of your own car,
home, or other secure surrounding.
13. At a drive-up facility, make sure
all the car doors are locked and all of the windows are
rolled up, except the driver's window. Keep the engine
running and remain alert to your surroundings.
14. We want the ATM and night deposit
facility to be safe and convenient for you. Therefore,
please tell us if you know of any problem with a facility. For
instance, let us know if a light is not working or there
is any damage to a facility. Please report any suspicious
activity or crimes to both the operator of the facility
and the local law enforcement officials immediately.
MORE DETAILED INFORMATION IS AVAILABLE
ON REQUEST
