This Electronic Fund Transfer disclosure does not apply to any accounts other than consumer accounts, as defined by Regulation E.
Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should 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. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on you check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank 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, but are not limited to:
Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s).
Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s).
Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills.
Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.
Please also see Limitations on frequency of transfer section regarding limitations that apply to savings accounts.
Account-Link Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at 570-348-6430 or Toll Free at 1-800-801-3622 using your personal identification number, a touch tone phone, and your account numbers, to:
Note: There is no charge to transfer funds using the Banks Account-Link Service.
Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone transfers.
ATM Transfers - Plus Networks - types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM card and personal identification number or Debit Card and personal identification number, to:
Some of these services may not be available at all terminals.
Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM transfers.
Types of DEBIT MASTERCARD® Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person, online, or by phone), pay for services (in person, online or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept).
Point-of-Sale Transactions - dollar limitations - Using your card:
Please also see Limitations on frequency of transfers section regarding limitations that apply to Debit Card transactions.
Currency Conversion and International Transactions. When you use your DEBIT MASTERCARD® at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Debit MasterCard from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Debit MasterCard itself receives, or the government mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.
An international transaction is a transaction where the country of the merchant is outside the USA. You will be assessed an International Transaction Fee of 3% of the transaction amount for each transaction.
Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.
Non-Debit MasterCard Debit Transaction Processing. We have enabled non-Debit MasterCard debit transaction processing. This means you may use your FNCB on a PIN-Debit Network*(a non-Debit MasterCard network) without using a PIN.
The non-Debit MasterCard debit network(s) for which such transactions are enabled are: ACCEL/Exchange and PLUS Network(s).
Examples of the types of actions that you may be required to make to initiate a Debit MasterCard transaction on you FNCB include signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal.
Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the biller (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having you identity verified using known information derived from an existing relationship with you instead of through use of a PIN.
The provisions of your agreement with us relating only to Debit MasterCard transactions are not applicable to non-Debit MasterCard transactions. For example, the additional limits on liability (sometimes referred to as Debit MasterCard’s zero-liability program) and the streamlined error resolution procedures offered on Debit MasterCard debit-card transactions are not applicable to transactions processed on a PIN-Debit Network.
*Debit MasterCard Rules generally define PIN-Debit Network as a non-Debit MasterCard debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program.
FNCB OnLine Computer Transfer – types of transfers and charges- You may access your account(s) by computer by internet access to www.fncb.com and using your personal identification number and you user identification, to:
Mobile Banking Transfers – types of transfers - You may access your account(s) through the browser on your cell or mobile phone at www.fncb.com, or by downloading the mobile banking application, and using your personal identification number, your user identification, and multifactor authentication, to:
You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service, Check with your cell phone provider for details on specific fees and charges. With SMS (text banking)*, you may also:
*Message Rates apply
Please also see Limitations on Frequency of transfers section regarding limitations that apply to computer transfers.
Limitation On Frequency of Transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply:
Except as indicated elsewhere, we do not charge for 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).
You will get a monthly statement for your Statement Savings or Passbook Savings accounts unless there are no transfers in a particular month. In any case you will get the statement at least quarterly.
We will charge you $35.00 for each stop-payment order you give.
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:
We will disclose information to third parties about your account or the transfers you make:
(a) Consumer liability.
(b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed in this brochure. You should also call the number or write to the address listed in this brochure if you believe a transfer has been made using the information from your check without your permission.
In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this brochure, 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.
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 (5 business days for DEBIT MASTERCARD® point-of-sale transactions processed by Debit MasterCardand 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 (5 business days for DEBIT MASTERCARD® point-of-sale transactions processed by Debit MasterCardand 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.
You may ask for copies of the documents that we used in our investigation.FIRST NATIONAL COMMUNITY BANK