Campbell & Fetter Bank

Welcome to our 24-hour banking.
You can now bank by phone with us, it's easy and convenient.

The first time you call you will be asked for your social security number and account numbers. Have those handy to help you get started. The next step is to set up your own pin number. Pin numbers are established by name. If there is more than one person on an account, each of you can have a different pin number for the same account. Your pin number should have four numbers in it.

There are many things this system will let you do. We believe the biggest attraction will be inquiring on account balances. This can be done on all of your accounts: CHECKING, SAVINGS, CD/IRA'S and LOANS. Checking accounts have a great amount of detail available to you. Inquiring on checks that have cleared your account can be done three different ways. First, just listening to all withdrawals by date on your account. Second, search by the amount of the transaction and thirdly is to search by the check number. Deposit to checking can be accessed by listening to all credits made to your account. This includes deposits made at any of our locations, direct deposits or transfers. All ATM and DEBIT card transactions will be listed under ATM's. Last but not least you can request a snapshot statement be faxed to you. There will be a $2.00 charge for this, which will be deducted from your account.

IN TOUCH will let you make account transfers. You can move money from your checking to your savings, from your savings to your checking, from one savings account to another.

Electronic Fund Transfers (Telephone Banking)
Your Rights and Responsibilities
Listed below are the 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.

Campbell & Fetter Bank Telephone Transfers (types of transfers and charges)
You may access your account 24 hours a day by calling 347-1094 (1-877-4471094 toll free) using your Personal Identification Number (PIN), a touch tone phone, and your account numbers, 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 loans with us
make payments from savings to loans with us
inquire about:
account or loan balance
deposits and credits to checking
checks and debits to checking

Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone transfers.

Limitations on frequency of transfers
In addition to those limitations on transfers elsewhere described, if any, the following limitations apply:

Transfers from a savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no transfers by check, debit card or similar order to third parties.

Periodic Statements
Monthly statements will be mailed to you for your checking accounts and/or our savings accounts, unless there are no transfers in a particular month. In any case, you will receive a statement at least quarterly.

Financial Institutions 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:

If, through no fault of ours, you do not have enough money in your account to make the transfer.
If you have check credit and the transfer would go over the line of credit available.
If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
There may be other exceptions stated in our agreement with you.

Unauthorized Transfers
Consumer Liability.
Tell us AT ONCE if you believe your PIN has been lost or stolen. 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 2 business days, you can lose no more than $50 if someone used your PIN without your permission. (If you believe your PIN 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 PIN without your permission.)

If you do NOT tell us within 2 business days after you learn of the loss or theft of your PIN, and we can prove we could have stopped someone from using your PIN 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, 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 hospital stay) kept you from telling us, we will extend the time periods.

Contact in event of unauthorized transfer.
If you believe your PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us.

Error Resolution Notice
In case of errors or questions about your Electronic Transfers, call or write us, as soon as you can. The same applies if you think your statement or receipt is wrong or if you need more information about a transfer listed on your statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

Tell us your name and account/loan number.
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.
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 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.