Periodic Statement. You will get a monthly account statement from us, unless
there are no transactions in a particular month. In any case you will get a
statement quarterly. You will get a quarterly statement from us on your savings
account if this is the only account you maintain and the only possible
electronic transfer to or from the account is a preauthorized deposit. If you
have a passbook account, you may bring your passbook to us and we will record
any direct deposits that we made to your account since the last time you brought
in your passbook.
Terminal Receipt. You can get a terminal receipt at the time you make any
transfer to or from your account using one of our ATMs or POS terminals.
Direct Deposits. If you have arranged to have direct deposits made to your
account at least once every sixty (60) days from the same person or company, you
can call us at (717) 789-3213 to find out whether or not the deposit has been
Our 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:
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 overdraft line.
If the ATM where you are making the transfer does not have enough cash.
If the terminal or system was not working properly and you knew about the
breakdown when you started the transfer.
If circumstances beyond our control (such as fire or flood) prevent the
transaction, despite reasonable precautions that we have taken.
There may be other exceptions stated in our agreement with you.
In Case of Errors or Questions About Your Electronic Transfers. Telephone us at
(717) 789-3213, or write us at P.O. Box 179, Landisburg, PA 17040, 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 sixty (60) days after we sent the FIRST statement on
which the problem or error appeared.
Tell us your name and account number (if any).
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
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 tell you the results
of our investigation within 10 business days after we hear from you and will
correct any error promptly. If we need more time, however, we may take up to
forty-five (45) days to investigate your complaint or question. If we decide to
do this, we will recredit your account within ten (10) business days 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 not recredit your account.
If we decide that there was no error, we will send you a written explanation of
our findings 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 a
notice of error involves an electronic fund transfer that was initiated in a
foreign location, or is a point of sale debit card transaction, the applicable
time periods for action shall be twenty (20) business days in place of ten (10)
business days, and ninety (90) calendar days in place of forty-five (45) calendar
Confidentiality. We will disclose information to third parties about your
account or the transfers you make:
To complete transfers as necessary;
To verify the existence and condition of your account upon the request of a
third party, such as a credit bureau or merchant.
To comply with government agency or court orders; or
If you give us your written permission.
Personal Identification Number (PIN). The ATM PIN, POS PIN or Audio Response PIN
issued to you is for your security purposes. The numbers are confidential and
should not be disclosed to third parties or recorded on the card. You are
responsible for safekeeping your PIN(s). You agree not to disclose or otherwise
make your ATM PIN, POS PIN or Audio Response PIN available to anyone not
authorized to sign on your accounts.
Notices. All notices from us will be effective when we have mailed them or
delivered them to your last known address on our records. Notices from you will
be effective when received by us at the address specified in this Agreement. We
reserve the right to change the terms and conditions upon which this service is
offered. We will mail notice to you at least twenty-one (21) days before the
effective date of any change, as required by law. Use of this service is subject
to existing regulations governing your account and any future changes to those
Enforcement. In the event either party brings a legal action to enforce this
Agreement or collect amounts owing as a result of any Account transaction, the
prevailing party shall be entitled to reasonable attorneys fees and costs,
including fees on any appeal, subject to any limits under applicable law.
Termination of ATM, POS and Audio Response Services. You agree that we may terminate this Agreement and your use of the ATM Card, POS
or Audio Response services, if:
You or any authorized user of your ATM PIN, POS card or PIN or Audio Response
PIN breach this or any other agreement with us;
We have reason to believe that there has been an unauthorized use of your ATM
PIN, POS card or PIN or Audio Response PIN;
We notify you or any other party to your account that we have cancelled or
will cancel this Agreement. You or any other party to your account can terminate
this Agreement by notifying us in writing.
Termination of service will be effective the first business day following
receipt of your written notice. Termination of this Agreement will not affect
the rights and responsibilities of the parties under this Agreement for
transactions initiated before termination.