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TCF NATIONAL BANK 801 MARQUETTE AVE MINNEAPOLIS MN 55402

Page 1 . STATEMENT DATE 05-25-05 . 1234567890 . 3 .

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JOHN Q CUSTOMER 123 MAIN ST ANYTOWN USA 54321-1234

YOU MAY DIRECT QUESTIONS ABOUT YOUR DEPOSIT ACCOUNT (INCLUDING QUESTIONS ABOUT DIRECT DEPOSIT OF FUNDS) TO THE BANK AT THE ABOVE ADDRESS OR YOU MAY CALL THE TELEPHONE NUMBER SHOWN AT THE BOTTOM OF YOUR STATEMENT. SEE THE REVERSE SIDE IF YOU WANT TO REPORT DISCREPENCIES ON YOUR DEPOSIT ACCOUNT.

GIVE FRIENDS AND FAMILY WHATEVER THEY WANT WITH A TCF VISA(R) GIFT CARD. TCF VISA GIFT CARDS ARE AVAILABLE AT ANY TCF BRANCH. THERE IS NO PURCHASE FEE FOR TCF CUSTOMERS. CERTAIN FEES, LIMITATIONS, AND CONDITIONS APPLY. SEE A TCF REPRESENTATIVE FOR DETAILS.

CONVENIENCE CHECKING ACCOUNT NUMBER 1234567890

ACCOUNT SUMMARY

BALANCE 04-26-05 1234.56

STATEMENT PERIOD 04-26-05 THROUGH 05-25-05 CHECKS/WITHDRAWALS 500.00 DEPOSITS/ADDITIONS .00 BALANCE 05-25-05 734.56

CHECKS PAID

CHECK NUMBER 1012 DATE REF | CHECK AMOUNT PAID NUMBER | NUMBER 100.00 0429 12398712 | 1013 DATE REF | CHECK AMOUNT PAID NUMBER | NUMBER 200.00 0505 98712398 | 1014 DATE REF AMOUNT PAID NUMBER 200.00 0515 10020030

FOR BALANCE, CHECKS PAID, FUNDS TRANSFER AND DEPOSIT VERIFICATION, VISIT US ONLINE AT TCFBANK.COM, OR CALL TCF'S AUTOMATED PHONE SERVICE, 612-341-0206. IF YOU ARE CALLING FROM AN AREA CODE OTHER THAN 612, 651, 763, OR 952 CALL 1-800-688-4823. FOR OTHER CUSTOMER SERVICE CALL 612-TCF-BANK (612-823-2265). TDD 612-339-3075. NSF\OVERDRAFT FEE IS $34.

www.tcfbank.com

Page 2 -x 1234567890 .

04/29/2005

1012

100.00

05/05/2005

1013

200.00

05/15/2005

1014

200.00

HOW TO BALANCE YOUR CHECKBOOK 1. Check off in your check register each transaction shown on the front of this statement. 2. ENTER your ending balance from the front of your statement on this line: 3. ADD any deposits or additions not shown on the statement including ATM deposits:

4. SUBTRACT any checks written or withdrawals made that are not shown on this statement including bill payment withdrawals, automatic withdrawals, ATM withdrawals, check printing charges, service fees, check card transactions, etc.: CK # AMOUNT CK # AMOUNT CK # AMOUNT

Total Additions (+) Subtotal CK # AMOUNT

Total Subtractions (-) This adjusted statement balance should agree with your check register balance: 1. 2. 3. 4. IF YOUR CHECKBOOK BALANCE AND ADJUSTED STATEMENT BALANCE DO NOT AGREE: Verify that all differences were corrected from your last month's statement. 5. Compare the amount of each check and deposit with the amount recorded on this statement and in your Check additions and subtractions in your checkbook. checkbook. Make sure that you listed all of your outstanding checks and deposits. 6. Call us if you have a problem balancing your account. Make sure that all electronic transfers, automatic deposits or withdrawals, interest deposits, and all automatic, bill payment and ATM activities and other transactions are recorded.

Member FDIC

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT If you think your statement or receipt is wrong or if you need more information about a transaction on your statement or receipt, telephone us or write us at the phone number or address shown on the front of this statement as soon as possible. Give us the following information: 1. Your name and account number; 2. The dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more information. If you need more information, describe the item you are not sure about. Unless your request for information or report of suspected error concerns an electronic transfer, an overdraft credit transaction, or a Credit Card Purchase Transaction, we must hear from you no later than 30 days after we send you the FIRST statement on which the suspected problem or error appears. (See below for special rules for electronic transfers, overdraft credit transactions, and Credit Card Purchase Transactions.) We will investigate your request and will correct any error promptly. Right to Stop Payment on Preauthorized Payments and Procedure for Doing So: If you have arranged to have direct deposits made to your checking or savings account at least once every 60 days from the same person or company, you can call us at the phone number shown on the front side of this statement to find out whether or not the deposit was made. If you instructed us in advance to make regular payments out of your checking or savings account, you can stop any of these payments. Call us at the telephone number or write us at the address shown on the front of this statement in time for us to receive your request three Business Days 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. We will charge you a fee for each stop payment order you give. (Refer to our current Services and Prices brochure for details.) Special Rules in Case of Errors or Questions About Electronic Transfer Transactions Involving Your Checking or Savings Account: We must hear from you no later than 60 days after we send you the FIRST statement on which the suspected problem or error appears. If we take more than 10 business days (20 business days for an electronic funds transaction to or from the account within 30 days after the first deposit to the account) to investigate and correct a suspected error and you have given us a written confirmation of your complaint within 10 business days of an oral notice of suspected error, we will re-credit your account for the amount you think is in error so that you will have use of the money during the time it takes us to complete our investigation. Special Rules for Overdraft Credit Lines and Credit Card Purchase Transactions - Your Rights and Our Responsibilities After We Receive Your Written Notice: We must hear from you no later than 60 days after we send you the FIRST statement on which the error or problem appears. You can telephone us, but doing so will not preserve your rights. We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the statement was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. 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 statement that are not in question. If we find that we made a mistake on your statement, you will not have to pay any finance charges related to any questioned amount. If we did not make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that 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 days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your statement. And, we must tell you the name of anyone we reported 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 statement was correct. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Keep this notice for future use. Special Rules for Charges by Credit Card Purchase Transactions or to Your Overdraft Line of Credit Using Your Debit Card: If you have a problem with the quality of goods or services that you purchased with your credit card, or with your debit card, which creates a Loan on your Overdraft Line of Credit, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) OVERDRAFT CREDIT INFORMATION We figure the Finance Charge on your Overdraft Protection Account for each day of the monthly billing cycle by multiplying the Daily Periodic Rate in effect for that day times the Principal Balance for your Overdraft Protection Account as of the end of that day. The Principal Balance of your Overdraft Protection Account for each day is figured by taking the Principal Balance of your Overdraft Protection Account at the beginning of each day, adding any new Loan Advances and any Other Charges we have added to your Principal Balance that day, and any reduction in your Principal Balance due to the application of subtracting any payments or credits to your Overdraft Protection Account that occurred that day. The Daily Periodic Rate for each day is figured by dividing the Annual Percentage Rate by 365 (or 366, in any leap year). We figure the Finance Charge for the monthly billing cycle by adding the Finance Charges for each day in the monthly billing cycle. No time period exists within which any credit extended may be repaid without incurring a Finance Charge. All or part of your new balance may be prepaid at any time without penalty. We will compute the total amount charged to your account during the year. Upon request, we will furnish this information to you within 30 days after the end of the year or, if your account is terminated during the year, within 30 days after termination. 11/15/04 XO66 Rev. 09/30/04

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TCF NATIONAL BANK

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