Disclosures

ERROR RESOLUTION NOTICE

If your current balance does not agree with the balance in your checking account register, review your records for errors in addition and subtraction.  Also, make certain that the dollar amount for each check on the statement is the same as the amount you wrote in your checking account register.  If you need further assistance, please contact your local branch office.

IN CASE OF ERRORS OR QUESTIONS ABOUT ANY ELECTRONIC TRANSFER, telephone or write your local branch office as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt.  We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.

  • Tell us your name and account number.
  • 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.
  • Tell us the dollar amount of the suspected error.
  • If you tell us orally, we may require that you send us your question or complaint in writing within 10 business days of the suspected error.

We will investigate your complaint and correct any error promptly.  If we take more than 10 business days to do this, 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.

For point-of-sale transfers and foreign initiated electronic fund transfers we may take 10 business days, after we hear from you, to tell you the results of our investigation, or alternately, re-credit your account and resolve the error within 90 days.

IF YOU REGULARLY RECEIVE PRE-AUTHORIZED ELECTRONIC DEPOSITS TO YOUR ACCOUNT, you may call your local branch to find out whether or not the deposit was made.


PERSONAL ONLINE BANKING AGREEMENT & DISCLOSURE

Also available under Personal Banking login: “Enroll”.

Download Agreement & Disclosure


E-STATEMENT AND ELECTRONIC DISCLOSURE AGREEMENT

Also available in Online Banking Options menu.

Download Agreement & Disclosure


BUSINESS ONLINE CASH MANAGEMENT AGREEMENT

If you are interested in Business Online Banking and are not currently enrolled, please contact a Personal Banker at (608) 372-2265.

Download Agreement


LOAN BILLING NOTICE DISCLOSURE

How Finance Charge (If Any) is Calculated

If this statement includes billing information regarding a personal line of credit, the finance charge for each statement (loan) period is calculated by applying the applicable daily periodic rate(s) to the daily balances. To get daily balances, we take the beginning balance of your account each day, add any new loans or charges and subtract any payments or credits. Then, we multiply the daily balance each day of the statement period by the applicable daily periodic rate(s). We then add up all of these daily finance charges to get your total finance charge. If there is only one (1) daily periodic rate during the statement period, the finance charge may also be verified by multiplying the average daily balance by the number of days in the statement period and multiplying the result by the applicable daily periodic rate.

In order for your payments to be considered conforming, payments must be made in US dollars and be accompanied by the account number, payment coupon provided or loan payment notice. Payments received at our office located at 110 W. Veterans St. PO Box 880, Tomah, WI 54660 by mail or in person, will be posted and credited as of that business day if received by 5:30pm, Monday through Thursday and 6:00pm on Friday, except bank holidays. All other payments, including payments by telephone banking, online banking, or payments received on Saturday, will be credited as of the next business day. Payments received by wire are considered non-conforming. Non-conforming payments may take longer to process and will be credited within 5 days of receipt.

In Case of Errors or Questions About Your Personal Line of Credit (This is a Summary of Your Billing Rights)

Please write us at P.O. Box 880, Tomah, WI 54660 as soon as you can if you think your statement is wrong, or if you need more information about a transaction on your statement. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared.

In your letter, give us the following information:

  1. Your name and account number.
  2. The dollar amount of the suspected error.
  3. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item that you are unsure about.

You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. If you have authorized us to pay your minimum monthly payment automatically by charging your deposit account with us, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three (3) business days before the automatic payment is scheduled to occur.

We will investigate your complaint and mail or deliver acknowledgement to you within 30 days of receiving your error notice.

In Case of Errors or Questions About Electronic Transfers

Please telephone us at (608) 372-2265 or write us at P.O. Box 880, Tomah, WI 54660 as soon as you can if you think your statement or receipt is wrong, or if you need more information about a transfer on this statement or on a receipt. We must hear from you no later than 60 days after we sent you the first statement on which the problem or error appeared.

  1. Tell us your name and account number.
  2. Describe the error or 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.
  3. Tell us the dollar amount of your suspected error.

We will investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will recredit your account for the amount you think is in error, so that you will have the use of the money during the time it takes to complete our investigation.

For point of sale transfers and foreign initiated electronic fund transfers we may take up to 10 business days, after we hear from you, to tell you the results of our investigation, or alternatively, recredit your account and resolve the error within 90 days.