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Terms & Conditions


Welcome to Central Valley Community Bank’s Online Banking.  Your use of Online Banking is subject to all terms and conditions contained in this online Agreement (the “Agreement”) as well as the Central Valley Community Bank Customer Agreement – Understanding Your Deposit Account (the “Customer Agreement”). Please read the Agreement carefully before proceeding.  When you use Online Banking you agree to the terms and conditions of the entire Agreement.

Terms and Conditions (effective 11/13)
  1. Agreement
  2. Amendments and Termination 
  3. Account Transfer
  4. Temporary Account Agreement  
  5. FDIC Insurance   
  6. Liability     
  7. Deposits
  8. Verification and Collection 
  9. Withdrawals 
 10. Ownership of Account and Beneficiary Designation 
 11. Authorized Signer
 12. Power of Attorney 
 13. UTMA Accounts
 14. Fiduciary Accounts 
 15. Stop Payments
 16. Telephone Transfers
 17.  Transfer Limitations
 18. Statements
 19. Direct Deposits 
 20. Setoff 
 21. Restrictive Legends 
 22. Payment Order of Items 
 23. Check Cashing
 24. Telephonic Instructions
 25. Waiver of Notices 
 26. ACH and Wire Transfers 
 27.International Consumer Wire Transfers
 28. Stale-Dated Checks 
 29. Credit Verification 
 30. Lost, Destroyed, or Stolen Certified, Cashier's, or Teller's Checks 
 31. Changing Account Products
 32. Transactions by Mail 
 33. Legal Actions Affecting Your Account 
 34. Check Processing 
 35. Check Storage and Copies 
 36. Unclaimed Property 
 37. Unclaimed Property Notice 
 38. Death or Incompetence 
 39. Cash Transaction Reporting
 40. Backup Withholding/Tin Certification

41. Security
42. Claim of Loss
43. Early Withdrawal Penalties
44. Address or Name Changes
45. Resolving Account Disputes
46. Checking Accounts
47. Checking Sub-Accounts
48. Notice of Negative Information
49. Electronic Fund Transfers
50. Types of ATM/Debit Card Point-of-Sale Transactions
51. Currency Conversion and International Transactions
52. Advisory Against Illegal Use
53. Internet Banking Computer Transactions-types of transfers and charges-
54. Unauthorized Transfers
55. Error Resolution Notice
56. Notice of ATM/Night Deposit
57. Deposits at Automated Teller Machines
58. Substitute Check and Your Rights
59. Truth-In-Savings Disclosure
60. Simplicity Checking Account
61. Secure Checking Account
62. Protection Plus Checking
63. Relationship Interest Checking
64. Standard Money Market Account
65. Premium Money Market Account
66. Regular Savings Account
67. Minor Trustee Savings Account
68. Holiday Club Account
69. Time Certificate of Deposit
70. Individual Retirement Account
71. Health Savings Account

Other Disclosures 
  1.
Visa Credit Card Disclosures
 

 

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Terms and Conditions:
TERMS AND CONDITIONS OF YOUR ACCOUNT


IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.


AGREEMENT - This document, along with any other documents we give you pertaining to your account(s), is a contract that establishes rules which control your account(s) with us. Please read this carefully. If you sign the signature card or open or continue to use the account, you agree to these rules. You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document. If you have any questions, please call us.
This agreement is subject to applicable federal laws and the laws of the state of California and other applicable rules such as the operating letters of the Federal Reserve Banks and payment processing system rules (except to the extent that this agreement can and does vary such rules or laws). The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here. The purpose of this document is to:
1. summarize some laws that apply to common transactions;
2. establish rules to cover transactions or events which the law does not regulate;
3. establish rules for certain transactions or events which the law regulates but permits variation by agreement; and
4. give you disclosures of some of our policies to which you may be entitled or in which you may be interested.
If any provision of this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. We may permit some variations from our standard agreement, but we must agree to any variation in writing either on the signature card for your account or in some other document.
As used in this document the words "we," "our," and "us" mean the financial institution and the words "you" and "your" mean the account holder(s) and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the account.  However, this agreement does not intend, and the terms “you” and “your" should not be interpreted, to expand an individual’s responsibility for an organization’s liability.  If this account is owned by a corporation, partnership or other organization, individual liability is determined by the laws generally applicable to that type of organization.   The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions. Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular.

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AMENDMENTS AND TERMINATION – We may change any term of this agreement.  Rules governing changes in interest rates are provided separately in the Truth-in-Savings disclosure or in another document.  For other changes, we will give you reasonable notice in writing or by any other method permitted by law.  We may also close this account at any time upon reasonable notice to you and tender of the account balance personally or by mail.  Items presented for payment after the account is closed may be dishonored.  When you close your account, you are responsible for leaving enough money in the account to cover any outstanding items to be paid from the account.  Reasonable notice depends on the circumstances, and in some case, it might be reasonable for us to give you notice after the change or account closure becomes effective.  For instance, if we suspend fraudulent activity with respect to your account, might immediately freeze or close your account and then give you notice.  You agree to keep us informed of your current address at all times.  Notice from us to any one of you is notice to all of you.  If we have notified you of a change in any term of your account and you continue to have your account after the effective date of the change, you have agreed to the new term(s).

ACCOUNT TRANSFER – This account may not be transferred or assigned without our prior written consent.

TEMPORARY ACCOUNT AGREEMENT – If this option is selected, this is a temporary account agreement.  Each person who signs to open the account or has authority to make withdrawals (except as indicated to the contrary) may transact business on this account.  However; we may at some time in the future, restrict or prohibit further use of this account if you fail to comply with the requirements we have imposed within a reasonable time.

FDIC INSURANCE – Funds in your account(s) with us are insured by the Federal Deposit Insurance Corporation (FDIC) and backed by the full faith and credit of the United States.  The amount of insurance coverage you have depends on the number of accounts you have with us that are of different “ownership.”  An individual account is one unique form of “ownership”; a joint account, a pay-on-death account, and a self-directed qualified retirement account (e.g., an IRA) are examples of some of the others.  Deposit insurance for a person’s self-directed qualified retirement account is up to $250,000.  (An IRA is a self -directed qualified retirement account as is any account where the owner decides where and how to invest the balance.)  Funds are insured to $250,000 per depositor for the total of funds combined in all of your other insured accounts with us.  If you want a more detailed explanation or additional information, you may ask us or contact the FDIC.  You can also visit the FDIC website at www.fdic.gov and click on Deposit Insurance link.  The link includes detailed contact information as well as a deposit insurance estimator.

LIABILITY - You agree, for yourself (and the person or entity you represent if you sign as a representative of another) to the terms of this account and the schedule of charges. You authorize us to deduct these charges, without notice to you, directly from the account balance as accrued. You will pay any additional reasonable charges for services you request which are not covered by this agreement.
Each of you also agrees to be jointly and severally (individually) liable for any account shortage resulting from charges or overdrafts, whether caused by you or another with access to this account. This liability is due immediately, and can be deducted directly from the account balance whenever sufficient funds are available. You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft.
You will be liable for our costs as well as for our reasonable attorneys’ fees, to the extent permitted by law, whether incurred as a result of collection or in any other dispute involving your account.  This includes, but is not limited to, disputes between you and another joint owner; you and an authorized signer or similar party; or a third party claiming an interest in your account.  This also include any action that you or a third party takes regarding the account that causes us, in good faith, to seek the advice of an attorney, whether or not we become involved in the dispute.  All costs and attorneys’ fees can be deducted from your account when they are incurred, without notice to you.

DEPOSITS – We may refuse to accept a deposit or an addition to an account, limit its size, or return all or part of it to you.  We reserve the right to limit the amount of funds that may be maintained in an account.  We will give only provisional credit until collection is final for any items, other than cash, we accept for deposit (including items drawn "on us"). Before settlement of any item becomes final, we act only as your agent, regardless of the form of indorsement or lack of indorsement on the item and even though we provide you provisional credit for the item.  We may reverse any provisional credit for items that are lost, stolen, or returned.  Actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.S. dollars. We are not responsible for transactions by mail or outside depository until we actually record them. We will treat and record all transactions received after our "daily cutoff time" on a business day we are open, or received on a day we are not open for business, as if initiated on the next business day that we are open.  At our option, we may take an item for collection rather than for deposit.   If we accept a third-party check for deposit, we may require any third-party indorsers to verify or guarantee their indorsements, or indorse in our presence.

VERFICATION AND COLLECTION – Any item that we accept for deposit or encashment is subject to later verification and final payment.  We may deduct funds from your account if an item is lost or stolen or destroyed in the collection process, if it is returned to us unpaid, or if it was improperly paid, even if you have already used the funds.  Cash deposits are also subject to later verification.

WITHDRAWALS

 Generally - Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us.

Postdated checks – A postdated check is one which bears a date later than the date on which the check is written.  We may properly pay and charge your account for a postdated check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act.  Because we process checks mechanically, your notice will not be effective and we will not be liable for failing to honor your notice unless it precisely identifies the number, date, amount and payee of the item.

Checks and withdrawal rules – If you do not purchase your check blanks from us, you must be certain that we approve the check blanks you purchase.  We may refuse any withdrawal or transfer request which you attempt on forms not approved by us or by any method we do not specifically permit.  We may refuse any withdrawal or transfer request which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations.  We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations.  In addition, we may place limitations on the account until your identity is verified.
Even if we honor a nonconforming request, we are not required to do so later.  If you violate the stated transaction limitations (if any), in our discretion, we may close your account or reclassify it as a transaction account.  If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. If we are presented with an item drawn against your account that would be a "substitute check," as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts to which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal.  We may determine that the amount of available funds in your account for the purpose of deciding whether to return an item for insufficient funds at any time between the time we receive the item and when we return the item or send a notice in lieu of return.  We need only make one determination, but if we choose to make a subsequent determination, the account balance at the subsequent time will determine whether there are insufficient available funds.

Overdrafts – You understand that we may, at our discretion, honor withdrawal requests that overdraw your account.  However, the fact that we may honor withdrawal requests that overdraw the account balance does not obligate us to do so later.  So you can NOT rely on us to pay overdrafts on your account regardless of how frequently or under what circumstances we have paid overdrafts on your account in the past.  We can change our practice of paying overdrafts on your account without notice to you.  You can ask us if we have other account services that might be available to you where we commit to paying overdrafts under certain circumstances, such as an overdraft protection line-of-credit or a plan to sweep funds from another account you have with us.  You agree that we may charge fees for overdrafts, except for overdrafts caused by ATM withdrawals or one-time debit card transactions if you have not opted-in to that service.  We may use subsequent deposits, including direct deposits of social security or other government benefits, to cover such overdrafts or overdraft fees.

Multiple signatures, electronic check conversion, and similar transactions – An electronic check conversion transaction is a transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfer regulation.  In these types of transactions, the check or similar item is either removed from circulation (truncated) or given back to you.  As a result, we have no opportunity to review the check to examine the signature on the item.  You agree that, as to these or any items as to which we have no opportunity to examine the signatures, you waive any requirement of multiple signatures.

Notice of withdrawal – We reserve the right to require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.  (The law requires us to reserve this right, but it is not our general policy to use it.)  Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty.  See your notice of penalty for early withdrawal.

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OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds.  As used in this agreement “party” means a person who, by the terms of the account, has a present right, subject to request, to payment from a multiple-party account other than as an agent.

AUTHORIZED SIGNER (Individual Accounts only) - A single individual is the owner. The authorized signer is merely designated to conduct transactions on the owner's behalf.  The owner does not give up any rights to act on the account, and the authorized signer may not in any manner affect the rights of the owner or beneficiaries, if any, other than by withdrawing funds from the account.  The owner is responsible for any transactions of the authorized signer.  We undertake no obligation to monitor transactions to determine that they are on the owner’s behalf. The owner may terminate the authorization at any time, and the authorization is automatically terminated by the death of the owner.  However, we may continue to honor the transactions of the authorized signer until: (a) we have received written notice or have actual knowledge of the termination of authority, and (b) we have a reasonable opportunity to act on that notice or knowledge.  We may refuse to accept the designation of an authorized signer.

POWER OF ATTORNEY – You may wish to appoint an agent to conduct transactions on your behalf.  (We, however, have no duty or agreement whatsoever to monitor or insure that the acts of the agent are for your benefit.)  This may be done by allowing your agent to sign in that capacity on the signature card or by separate form, such as a power of attorney.  A power of attorney continues until your death or the death of the person given the power.  If the power of attorney is not “durable,” it is revoked when you become incompetent.  We may continue to honor the transaction of the agent until: (a) we have received written notice or have actual knowledge of the termination of the authority or the death of an owner, and (b) we have had a reasonable opportunity to act on that notice or knowledge.  You agree not to hold us responsible for any loss or damage you may incur as a result of our following instructions given by an agent acting under a valid power of attorney.

UTMA ACCOUNTS – Under the Uniform Transfers to Minors Act, the funds in the account are owned by the child who has unconditional use of the account when he or she reaches the age of majority and closed by the custodian.  Before that time, the account may be accessed only by the custodian (or successor custodian), and the funds must be used for the benefit of the child.  We, however, have no duty or agreement whatsoever to monitor or insure that the acts of the custodian (or successor custodian) are for the child’s benefit.  For this type of account, the child’s SSN/TIN is used for the Backup Withholding Certification.

FIDUCIARY ACCOUNTS – Accounts may be opened by a person acting in a fiduciary capacity.  This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement, or as executors, administrators, or conservators under court orders.  You understand that by merely opening such an account, we are not acting in the capacity of a trustee in connection with the trust nor do we undertake any obligation to monitor or enforce the terms of the trust or letters.

Individual Account - is an account in the name of one person.

Joint Account – This account or certificate is owned by the named parties.  Upon the death of any of them, ownership passes to the survivor(s).

Joint Account of Husband and Wife with Right of Survivorship – This account or certificate is owned by the named parties, who are husband wife, and is presumed to be4 their community property.  Upon the death of either of them, ownership passes to the survivor.

Community Property Account of Husband and Wife – This account or certificate is the community property of the named parties who are husband and wife.  The ownership during lifetime and after the death of a spouse is determined by the law applicable to community property generally and may be affected by a will.

Tenancy in Common Account – This account or certificate is owned by the named parties as tenants in common.  Upon the death of any party, the ownership interest of that party passes to the named pay-on-death payee(s) of that party or, if none, to the estate of that party.

P.O.D. Account with Single Party – This account or certificate is owned by the named party.  Upon the death of that party, ownership passes to the named pay-on-death payee(s).

P.O.D. Account with Multiple Parties – This account or certificate is owned by the named parties.  Upon the death of any of them, ownership passes to the survivor(s).  Upon the death of all of them, ownership passes to the named pay-on-death payee(s).

Totten Trust Account - (subject to this form) - If two or more of you create this account, you own the account jointly with survivorship.  Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating this account type reserves the right to: (1) change beneficiaries, (2) change account types, and (3) withdraw all or part of the account funds at any time.

Trust Account Subject to Separate Agreement - If you establish an account in connection with a written trust, you certify and declare under penalty of perjury under the law of the State of California that: (a) you are the only current trustee(s) of the trust; (b) you are authorized to enter into this and other agreements with us in connection with the trust; (c) no other person’s authorization or court order is required for the action you take and/or the instructions you give in connection with the account; (d) the correct name of the trust is reflected on the signature card or application for the account; and (e) the trust has not been revoked, modified, or amended in any manner which would cause these representations to be incorrect. You agree to provide us with reasonable advance notice of any amendments made to the trust, any change in trustees or beneficiaries, and any other event that might affect any right, duty or authorization of any person (including us) with respect to the trust account. We will not be required to know, understand, interpret or enforce the terms of any trust document that may be provided to us. We may require you to sign a separate trust certification in order to open or maintain an account.

Changes in Account Ownership, Address and Authorized Signers – You agree to notify us immediately in writing of any change in your name, address, or the authorized signers on your account. We may require a new signature card before any change in ownership or authorized signers becomes effective. If the authorized persons on your account change, we may continue to honor items and instructions given earlier by any previously authorized person(s) until we receive specific notice from you in writing not to do so. (Note: A new or updated signature card, by itself, does not constitute notice to terminate any pre-existing payment or transfer plan.) In some instances we may require you to close your account or provide us with stop payment orders in order to prevent transactions from occurring. There may be a delay in implementing a change in the authorized persons on our records, and you agree that we will be given a reasonable opportunity to make the changes necessary.

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STOP PAYMENTS - Unless otherwise provided, the rules in this section cover stopping payment of items such as checks and drafts. Rules for stopping payment of other types of transfers of funds, such as consumer electronic fund transfers, may be established by law or our policy. If we have not disclosed these rules to you elsewhere, you may ask us about those rules.
We may accept an order to stop payment on any item from any one of you. You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop-payment order must precisely identify the number, date, and amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not. Generally, if your stop-payment order is given to us in writing it is effective for six months, however; ACH stop payment orders only expire when the account holder requests the removal of the order or the order has reached the expiration date. Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period. If the original stop-payment order was verbal your stop-payment order will lapse after 14 calendar days if you do not confirm your order in writing within that time period. We are not obligated to notify you when a stop-payment order expires. A release of the stop-payment request may be made only by the person who initiated the stop-payment order. 
If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys’ fees. You assign to us all rights against the payee or any other holder of the item. You agree to cooperate with us in any legal actions that we may take against such persons. You should be aware that anyone holding the item may be entitled to enforce payment against you despite the stop-payment order.

TELEPHONE TRANSFERS - A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Unless a different limitation is disclosed in writing, we restrict the number of transfers from a savings account to another account or to third parties, to a maximum of six per month (less the number of “preauthorized transfers” during the month). Other account transfer restrictions may be described elsewhere.

TRANSFER LIMITATIONS - For savings and money market accounts you may make up to six transfers or withdrawals by means of a preauthorized, automatic, or telephonic transfer to another account of yours or to a third party or by check, debit card, or similar order to a third party during any calendar month (or statement cycle of at least four weeks). A preauthorized transfer includes any arrangement with us to pay a third party from your account at (i) a predetermined time; (ii) on a fixed schedule or (iii) upon oral or written orders including orders received through the automated clearing house (ACH). If the transfer or withdrawal is initiated in person, by mail, or at an ATM then there is no limit on the number of payments that may be made directly to you, directly to us for amounts you owe us, or transfers to other accounts you have with us. Withdrawals by phone are also unlimited if you are requesting that a check be mailed to you.

STATEMENTS - Your duty to report unauthorized signatures, alterations and forgeries - You must examine your statement of account with “reasonable promptness.” If you discover (or reasonably should have discovered) any unauthorized signatures or alterations, you must promptly notify us of the relevant facts. As between you and us, if you fail to do either of these duties, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we contributed to the loss). The loss could be not only with respect to items on the statement but other items with unauthorized signatures or alterations by the same wrongdoer.
You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is first sent or made available to you.
You further agree that if you fail to report any unauthorized signatures, alterations or forgeries in your account within 60 days of when we first send or make the statement available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours. This 60-day limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in addition to that contained in the first paragraph of this section.

Your duty to report other errors - In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error - such as an encoding error. You agree that the time you have to examine your statement and report to us will depend on the circumstances. However, such time period shall not exceed 60 days. Failure to examine your statement and report any such errors to us within 60 days of when we first send or make the statement available precludes you from asserting a claim against us for any such errors on items identified in that statement and as between you and us the loss will be entirely yours.

Errors relating to electronic fund transfers or substitute checks – For information on errors relating to electronic fund transfers (e.g., computer, debit card or ATM transactions) refer to your Electronic Fund Transfers disclosure and the sections on consumer liability and error resolution. For information on errors relating to a substitute check you received, refer to your disclosure entitled Substitute Checks and Your Rights.

DIRECT DEPOSITS - If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the federal government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability.

SETOFF - We may (without prior notice and when permitted by law) set off the funds in this account against any due and payable debt you owe us now or in the future, by any of you having the right of withdrawal, to the extent of such persons’ or legal entity’s right to withdraw. The amount of the setoff may be further limited by applicable law. If the debt arises from a note, “any due and payable debt” includes the total amount of which we are entitled to demand payment under the terms of the note at the time we set off, including any balance the due date for which we properly accelerate under the note.
This right of setoff does not apply to this account if prohibited by law. For example, the right of setoff does not apply to this account if: (a) it is an Individual Retirement Account or similar tax-deferred account, or (b) the debt is created by a consumer credit transaction under a credit card plan (but this does not affect our rights under any consensual security interest), or (c) the debtor’s right of withdrawal only arises in a representative capacity. We will not be liable for the dishonor of any check when the dishonor occurs because we set off a debt against this account. You agree to hold us harmless from any claim arising as a result of our exercise of our right of setoff.

RESTRICTIVE LEGENDS - The automated processing of the large volume of checks we receive prevents us from inspecting or looking for special instructions or “restrictive legends” on every check. Examples of restrictive legends placed on checks are “must be presented within 90 days” or “not valid for more than $1,000.00 or “Two Signatures Required”. For this reason, we are not required to honor any restrictive legend placed on checks you write unless we have agreed in writing to the restriction. We are not responsible for any losses, claims, damages, or expenses that result from your placement of these or other special instructions on your checks.

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PAYMENT ORDER OF ITEMS - The law permits us to pay items (such as checks, drafts or ACH) drawn on your account in any order. To assist you in handling your account with us, we are providing you with the following information regarding how we process the transactions presented. When processing items drawn on your account, our policy is to pay ATM and ACH transactions, then POS and checks are processed. If an item contains a serial number (ie: check), the lowest serial number items are paid first so we are processing your items in the order in which you issued them. If an item does not contain a serial number, it is paid in the order presented to us. The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. There is no policy that is favorable in every instance. If the smallest items are paid first, you may have fewer NSF or overdraft fees, but the largest, and perhaps more important items (such as rent or mortgage payments) might not be paid. If an item is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere. By paying items in numerical sequence, we think our policy attains a reasonable balance between minimizing additional cost to you and paying your more important items. We encourage you to make careful records and practice good account management. This will help you to avoid writing checks or drafts without sufficient funds and incurring the resulting fees.

CHECK CASHING – We may charge a fee for anyone that does not have an account with us who is cashing a check, draft or other instrument written on your account. We may also require reasonable identification to cash such a check, draft or other instrument. We can decide what identification is reasonable under the circumstances and such identification may be

TELEPHONIC INSTRUCTIONS - Unless required by law or we have agreed otherwise in writing, we are not required to act upon instructions you give us via facsimile transmission or leave by voice mail or on a telephone answering machine.

WAIVER OF NOTICES - You waive any notice of non-payment, dishonor or protest regarding any items credited to or charged against your account.

ACH AND WIRE TRANSFERS - This agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers as adopted in the state in which you have your account with us. If you originate a fund transfer and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. You agree to be bound by automated clearing house association rules. These rules provide, among other things that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. If we do not receive such payment, we are entitled to a refund from you in the amount credited to your account and the party originating such payment will not be considered to have paid the amount so credited. If we receive a payment order to credit an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit. However, we will continue to notify you of the receipt of payments in periodic statements we provide to you. Funds from IAT (International ACH Transactions) may be delayed from time to time for further investigations.

INTERNATIONAL CONSUMER WIRE TRANSFERS
Outgoing International Wire Transfers - Section 1073 of the Dodd Frank Act requires us to provide you with certain information when you transfer funds from your U.S. consumer account to any account outside the U.S.  When you initiate international consumer funds transfers to accounts outside the U.S. for more than $15, we will provide you with information on the costs of the transfer and the amount of currency to be received by your beneficiary related to your transfer.  The information will include the 1) Transfer amount, 2) Foreign exchange rate, 3) Fees (may be estimated based on regulatory guidelines) and any applicable U.S. taxes in connection with the transfer, 4) Total amount to be received by the beneficiary (which may be reduced by foreign taxes and fees charged by the beneficiary bank, and 5) Date of availability of the funds transfer to the beneficiary.

You will not be able to send an international wire transfer in a foreign currency that is different than the established local market currency in the country to which the funds are being transferred.  For example, if you are sending a wire transfer to Paris France, it can only be sent in Euros. 

At the time you schedule your international funds transfer, you are required to provide us with an account number of your beneficiary and where applicable, the number (such as “BIC”, “SWIFT” or “SORT” identifying the beneficiary bank.  It is extremely important that the information you provide us is accurate since we will rely on it to process your transfer correctly.  Should you provide us with an incorrect account number and/or beneficiary bank identifier and your transfer is credited to the wrong account, we will use reasonable efforts on your behalf to recover the funds.  However; losses resulting from an incorrect account number and/or resulting from an incorrect account number and/or beneficiary bank identifier will be your responsibility. At the current time, Central Valley Community Bank does not support sending consumer remittance wire transfers to the following countries:  Aruba, Brazil, China, Ethiopia and Libya.  Countries are subject to change.

Checks - If you arrange for the printing of your own checks, the form, encoding and format of the checks must follow our check specification requirements and be approved by us in advance. We make checks available that include fraud prevention features. If you choose not to use them or other checks that include fraud prevention features, you agree to assume a heightened degree of responsibility for safeguarding your checks, and for reviewing all returned checks and statements as soon as you receive them.

Checks lost or stolen - You agree to safeguard your blank and canceled checks, and to take reasonable steps to prevent their unauthorized use. If your checks are lost or stolen, you agree to notify us immediately. For security reasons, we reserve the right to close your account and transfer the balance to a new account. If we do, all checks written but not yet paid may be returned to payees as “Account  Closed” or “Refer to Maker.” You will be responsible for issuing any replacement checks.
When you cash or deposit a check or other item with us, we act as your agent to collect the item. You assume all risk of loss of an item in the process of collection. We may reverse any credit given and any interest earned or accrued for a deposited item that is lost in transit, and we may recover from any account you maintain with us the funds given to you for a cashed item which is lost in transit. You will do everything reasonably within your ability to promptly assist us to find, identify or replace a lost item, including but not limited to maintaining a record of the maker of items delivered to us for deposit and collection. We shall not be liable to you if an item is lost in the process of collection provided we exercised ordinary care in handling the item. In no event shall we be liable to you if you cannot identify the maker of the lost item.

Checks We Accept for Deposit - We reserve the right to refuse to deposit checks into your account if the checks are made payable to anyone other than the name established on the account.

Check Processing Cutoff Hour - Our processing cutoff hour with respect to any knowledge, notice, stop payment order, or legal process received by us involving a check is 10:30 a.m. The cutoff hour with respect to setoffs exercised by us is midnight of the banking day following the banking day we receive a check, or such later time by which we must return the check. The cutoff hour determines our obligation under state law to pay or return certain checks that have been received (but not finally paid) by us on the previous banking day.

Demand Drafts - If you provide your account number to a third party in order to charge your account by means of one or more demand drafts (i.e., items which do not bear your actual signature, but purport to be drawn with your authorization), you authorize us to pay such drafts, even though they do not contain your signature and may exceed the amounts you authorized to be charged. This provision shall not obligate us to honor demand drafts. We may refuse to honor demand drafts without cause or prior notice, even if we have honored similar items previously. We are not under any obligation to verify whether the name and account number shown on a demand draft are consistent.
You may not deposit demand drafts (items not bearing the maker’s signature, but purporting to be authorized by the maker) to an account with us without our prior, express written consent. If you deposit demand drafts with us, you agree that we may withhold a portion of the proceeds of such drafts or other funds in your account in a reserve account, in an amount that we reasonably believe may be needed to cover future chargebacks, returned items, and/or claims that such drafts were unauthorized. You grant us a security interest in the reserve account. Unless we agree otherwise in writing with you, reserve funds shall not bear interest. Our right to charge your account for returned demand drafts will not be limited by the balance or existence of any reserve. Our rights with respect to the reserve, as well as the security interest granted to us, shall survive the termination of this agreement. We may discontinue accepting demand drafts at any time without cause or prior notice.

STALE-DATED CHECKS - We are not obligated to, but may at our option, pay a check, other than a certified check, presented for payment more than six months after its date. If you do not want us to pay a stale-dated check, you must place a stop-payment order on the check in the manner we have described elsewhere.

INDORSEMENTS - We may accept for deposit any item payable to you or your order, even if they are not indorsed by you. We may give cash back to any one of you. We may supply any missing indorsement(s) for any item we accept for deposit or collection, and you warrant that all indorsements are genuine.
To ensure that your check or share draft is processed without delay, you must indorse it (sign it on the back) in a specific area. Your entire indorsement (whether a signature or a stamp) along with any other indorsement information (e.g. additional indorsements, ID information, driver’s license number, etc.) must fall within 1 1/2” of the “trailing edge” of a check.  Indorsements must be made in blue or black ink, so that they are readable.  As you look at the front of a check, the “trailing edge” is the left edge. When you flip the check over, be sure to keep all indorsement information within 1 1/2” of that edge.
 
It is important that you confine the indorsement information to this area since the remaining blank space will be used by others in the processing of the check to place additional needed indorsements and information. You agree that you will indemnify, defend, and hold us harmless for any loss, liability, damage or expense that occurs because your indorsement, another indorsement or information you have printed on the back of the check obscures our indorsement.

 

These indorsement guidelines apply to both personal and business checks.

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FACSIMILE SIGNATURES - Unless you make advance arrangements with us, we have no obligation to honor facsimile signatures on your checks or other orders. If we do agree to honor items containing facsimile signatures, you authorize us, at any time, to charge you for all checks, drafts, or other orders, for the payment of money, that are drawn on us. You give us this authority regardless of by whom or by what means the facsimile signature(s) may have been affixed so long as they resemble the facsimile signature specimen filed with us, and contain the required number of signatures for this purpose. You must notify us at once if you suspect that your facsimile signature is being or has been misused.

CHECK PROCESSING - We process items mechanically by relying solely on the information encoded in magnetic ink along the bottom of the items. This means that we do not individually examine all of your items to determine if the item is properly completed, signed and indorsed or to determine if it contains any information other than what is encoded in magnetic ink. You agree that we have not failed to exercise ordinary care solely because we use our automated system to process items and do not inspect all items processed in such a manner. Using an automated process helps us keep costs down for you and all account holders. You agree that we may rely on such a process and that it will be deemed an acceptable standard of care on our part. 

CHECK STORAGE AND COPIES - You agree that you will not receive your canceled checks. We will store your canceled checks or copies of them for a reasonable retention period. You may request copies from us in the manner we require.
UNCLAIMED PROPERTY - The law establishes procedures under which unclaimed property must be surrendered to the state. (We may have our own rules regarding dormant accounts, and if we charge a fee for dormant accounts it will be disclosed to you elsewhere.) If your account goes into a dormant status, your account will continue to be charged the regular monthly service charge. Please note, no statements are generated when your account is in dormant status. Generally, the funds in your account are considered unclaimed if you have not had any activity or communication with us regarding your account over a period of years. Ask us if you want further information about the period of time or type of activity that will prevent your account from being unclaimed. For security reasons, we may refuse a withdrawal or transfer from accounts we internally classify as dormant if we cannot reach you in a timely fashion to confirm the transaction’s authorization. If your funds are surrendered to the state, you may be able to reclaim them, but your claim must be presented to the state. Once your funds are surrendered, we no longer have any liability or responsibility with respect to the funds.

UNCLAIMED PROPERTY NOTICE - Your property may be transferred to the appropriate state if no activity occurs in the account within the time period specified by state law.

DEATH OR INCOMPETENCE - You agree to notify us promptly if any person with a right to withdraw funds from your account(s) dies or becomes legally incompetent. We may continue to honor your checks, items, and instructions until: (a) we know of your death or incompetence, and (b) we have had a reasonable opportunity to act on that knowledge. You agree that we may pay or certify checks drawn on or before the date of death or legal incompetence for up to ten (10) days after your death or legal incompetence unless ordered to stop payment by someone claiming an interest in the account.

CASH TRANSACTION REPORTING - To help law enforcement agencies detect illegal activities, the law requires all financial institutions to gather and report information on some types of cash transactions. If the information we need to complete the report is not provided, we are required to refuse to handle the transaction. If you have any questions regarding these rules, please contact your local Internal Revenue Service office.

BACKUP WITHHOLDING/TIN CERTIFICATION - Federal tax law requires us to report interest payments we make to you of $10 or more in a year, and to include your taxpayer identification number (TIN) on the report (the taxpayer identification number is your social security number if you are an individual). Interest includes dividends, interest and bonus payments for purposes of this rule. Therefore, we require you to provide us with your TIN and to certify that it is correct. In some circumstances, federal law requires us to withhold and pay to the IRS a percentage of the interest that is earned on funds in your accounts. This is known as backup withholding. We will not have to withhold interest payments when you open your account if you certify your TIN and certify that you are not subject to backup withholding due to underreporting of interest. (There are special rules if you do not have a TIN but have applied for one, if you are a foreign person, or if you are exempt from the reporting requirements.) We may subsequently be required to begin backup withholding if the IRS informs us that you supplied an incorrect TIN or that you underreported your interest income.

CREDIT VERIFICATION - You agree that we may verify credit and employment history by any necessary means, including preparation of a credit report by a credit reporting agency.

LOST, DESTROYED, OR STOLEN CERTIFIED, CASHIER’S, OR TELLER’S CHECKS - Under some circumstances you may be able to assert a claim for the amount of a lost, destroyed, or stolen certified, cashier’s or teller’s check. To assert the claim: (a) you must be the remitter (or drawer of a certified check) or payee of the check, (b) we must receive notice from you describing the check with reasonable certainty and asking for payment of the amount of the check, (c) we must receive the notice in time for us to have a reasonable opportunity to act on it, and (d) you must give us a declaration (in a form we require) of your loss with respect to the check. You can ask us for a declaration form. Even if all of these conditions are met, your claim may not be immediately enforceable. We may pay the check until the ninetieth day after the date of the check (or date of acceptance of a certified check). Therefore, your claim is not enforceable until the ninetieth day after the date of the check or date of acceptance, and the conditions listed above have been met. If we have not already paid the check, on the day your claim is enforceable we become obligated to pay you the amount of the check. We will pay by cashier's check or credit funds to your account.
At our option, we may pay you the amount of the check before your claim becomes enforceable. However, we will require you to agree to indemnify us for any losses we might suffer. This means that if the check is presented after we pay your claim, and we pay the check, you are responsible to cover our losses. We may require you to provide a surety bond to assure that you can pay us if we suffer a loss.

CHANGING ACCOUNT PRODUCTS - We may change your account to another product offered by us at any time by giving you notice that your account will be changed to another product on a specified date. If your account is a time account, the change will not occur before the next maturity date of your account. If you do not close your account before the date specified in the notice, we may change your account to that other product on the date specified in the notice.

TRANSACTIONS BY MAIL - You may deposit checks by mail. You should indorse the check being sent through the mail with the words “For Deposit Only” and should include your correct account number underneath to ensure the check is credited to the correct account. You should use the pre-encoded checking deposit slips found behind your checks in your checkbook. If you do not use your deposit slip or provide us with instructions indicating how or where the check should be credited, we may apply it to any account or any loan balance you have with us or we may return the check to you. Receipts for such transactions will be mailed to you only if a self-addressed stamped envelope is provided. Following your deposit, examine your statement carefully or call us to ensure that we received the item. Do not send cash through the mail for deposit.

LEGAL ACTIONS AFFECTING YOUR ACCOUNT - If we are served with a subpoena, restraining order, writ of attachment or execution, levy, garnishment, search warrant, or similar order relating to your account (termed “legal action” in this section), we will comply with that legal action.  Or, in our discretion, we may freeze the assets in any and all the account(s) and not allow any payments out of the account(s) until a final court determination regarding the legal action. We may do these things even if the legal action involves less than all of you. In these cases, we will not have any liability to you if there are insufficient funds to pay your items because we have withdrawn funds from your account or in any way restricted access to your funds in accordance with the legal action. Any fees or expenses we incur in responding to any legal action (including, without limitation, attorneys’ fees and our internal expenses) may be charged against your account. The list of fees applicable to your account(s) provided elsewhere may specify additional fees that we may charge for certain legal actions.

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SECURITY - It is your responsibility to protect the account numbers and electronic access devices (e.g., an ATM card) we provide you for your account(s). Do not discuss, compare, or share information about your account number(s) with anyone unless you are willing to give them full use of your money. An account number can be used by thieves to encode your number on a false demand draft which looks like and functions like an authorized check. If you furnish your access device and grant actual authority to make transfers to another person (a family member or coworker, for example) who then exceeds that authority, you are liable for the transfers unless we have been notified that transfers by that person are no longer authorized.
Your account number can also be used to electronically remove money from your account. If you provide your account number in response to a telephone solicitation for the purpose of making a transfer (to purchase a service or merchandise, for example), payment can be made from your account even though you did not contact us directly and order the payment. You must also take precaution in safeguarding your blank checks. Notify us at once if you believe your checks have been lost or stolen. As between you and us, if you are negligent in safeguarding your checks, you must bear the loss entirely yourself or share the loss with us (we may have to share some of the loss if we failed to use ordinary care and if we substantially contributed to the loss).
You agree that if we offer you services appropriate for your account to help identify and limit fraud or other unauthorized transactions against your account, such as positive pay or commercially reasonable security procedures, and you reject those services, you will be responsible for any fraudulent or unauthorized transactions which could have been prevented by the services we offered, unless we acted in bad faith or to the extent our negligence contributed to the loss.

CLAIM OF LOSS - If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your account, the transaction, and the circumstances surrounding the loss. We must receive your declaration within 10 days of our request.
You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals and provide us with a copy of the report, upon request. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. During our investigation, we will have no obligation to provisionally credit your account, unless otherwise required by law (e.g., in connection with certain consumer electronic fund transfer services). Unless we have acted in bad faith, we will not be liable for special or consequential damages, including loss of profits or opportunity, or for attorneys’ fees incurred by you.
You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources. If you have failed to exercise ordinary care and thereby contributed to the making of the forgery or alteration, we may not be fully responsible for the loss incurred.

EARLY WITHDRAWAL PENALTIES (and involuntary withdrawals) – We may impose early withdrawal penalties on a withdrawal from a time account even if you don’t initiate the withdrawal. For instance, the early withdrawal penalty may be imposed if the withdrawal is caused by our setoff against funds in the account or as a result of an attachment or other legal process. We may close your account and impose the early withdrawal penalty on the entire account balance in the event of a partial early withdrawal. See your notice of penalty for early withdrawals for additional information.

ADDRESS OR NAME CHANGES - You are responsible for notifying us of any change in your address or your name. Unless we agree otherwise, change of address or name must be made in writing by at least one of the account holders. Informing us of your address or name change on a check reorder form is not sufficient. We will attempt to communicate with you only by use of the most recent address you have provided to us. If provided elsewhere, we may impose a service fee if we attempt to locate you.

RESOLVING ACCOUNT DISPUTES - We may place an administrative hold on the funds in your account (refuse payment or withdrawal of the funds) if it becomes subject to a claim adverse to (1) your own interest; (2) others claiming an interest as survivors or beneficiaries of your account; or (3) a claim arising by operation of law. The hold may be placed for such period of time as we believe reasonably necessary to allow a legal proceeding to determine the merits of the claim or until we receive evidence satisfactory to us that the dispute has been resolved. We will not be liable for any items that are dishonored as a consequence of placing a hold on funds in your account for these reasons.

CHECKING ACCOUNTS - If your account is a checking account, the following terms may apply. We offer NOW (interest bearing checking) accounts. The account must consist solely of funds in which the entire beneficial interest is held by one or more individuals in an individual capacity, a sole proprietor, or a governmental unit, but not professional corporations or business partnerships. A NOW account may also be held by a for profit organization serving in a fiduciary or trustee capacity for an entity that is itself permitted to hold a NOW account. Otherwise, an organization may hold a NOW account only if it is operated primarily for religious, philanthropic, charitable, educational, or other similar purpose.

Checking Sub-Accounts. If you have a checking account or interest checking (NOW) account, your account consists of a transaction subaccount and a savings sub-account. This structure will not affect your available balance, service charges, FDIC insurance, interest earnings, your statement or any other feature of your account. Funds not routinely needed to pay debits may be periodically transferred to the savings sub-account. A transfer from the savings sub-account back to the transaction sub-account will fund items in excess of the balance in the transaction sub-account. The remainder of your balance will be maintained in the transaction sub-account. If interest is paid on your account balance, the interest calculation will be the same for both the savings sub-account and the transaction sub-account. If interest is not paid on your account balance, the savings sub-account will be noninterest bearing.

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NOTICE OF NEGATIVE INFORMATION
Federal law requires us to provide the following notice to customers before any "negative information" may be furnished to a nationwide consumer reporting agency. "Negative information" includes information concerning delinquencies, overdrafts or any form of default. This notice does not mean that we will be reporting such information about you, only that we may report such information about customers that have not done what they are required to do under our agreement.
After providing this notice, additional negative information may be submitted without providing another notice.

We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report.
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ELECTRONIC FUND TRANSFERS
YOUR RIGHTS AND RESPONSIBILITIES

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 Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund 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 Clearing House (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 your 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 fund 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, savings, or money market 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.

BankLine Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at 1-866-455-6638 or 559-297-6638 using your personal identification number, a touch tone phone, your account numbers, and your social security number, 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
• get information about:
      - the account balance of checking account(s)
      - the account balance of savings account(s)

ATM Transfers - CIRRUS, PLUS, MasterCard, STAR, VISA, American Express, and Discover Networks - types of transfers and dollar limitations - You may access your account(s) by ATM using your ATM card and personal identification number or ATM/Debit Card and personal identification number, to:

• make deposits to checking account(s) with an ATM card or ATM/Debit Card
• make deposits to savings account(s) with an ATM card or ATM/Debit Card
• get cash withdrawals of no more than $500.00 from your checking and/or savings account(s) per 24 hour period including weekends with an ATM card or ATM/Debit Card
• transfer funds from savings to checking account(s) with an ATM card or ATM/Debit Card
• transfer funds from checking to savings account(s) with an ATM card or ATM/Debit Card
• get information about:
       - the account balance of your checking account(s) 
       - with an ATM card 
       - with an ATM/Debit Card
• the account balance of your savings account(s)
      - with an ATM card
      - with an ATM/Debit Card
Some of these services may not be available at all terminals.

Types of ATM/Debit Card Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person or by phone), pay for services (in person 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:
• you may not exceed $1,500.00 in transactions per business day in goods and services (if there are sufficient funds available), exclusive of ATM transactions

VISA Debit Card (Limitation)
Using your VISA Debit Card with signature authorization (credit transaction), you may purchase up to a maximum of $3,500.00 worth of goods and services (if there are sufficient funds in your account) per business day.
When using your VISA Debit Card, if you do not enter a PIN, transactions may be processed as either a Visa Debit card transaction or on the CIRRUS, PLUS, MasterCard, STAR, American Express and Discover networks. Merchants must provide you with a clear way of choosing to make a Visa Debit Card transaction if they support this option. Please be advised that should you choose to use CIRRUS, PLUS, MasterCard, STAR, American Express or Discover when making a transaction without a PIN, different terms may apply and you will not be eligible for rewards accrued on transactions processed over the VISA network. Certain protections and rights applicable only to Visa Debit Card transactions as described in your agreement will not apply to transactions processed on the CIRRUS, PLUS, MasterCard, STAR, American Express or Discover networks.

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Currency Conversion and International Transactions. When you use your ATM/Debit Card 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 Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa 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.
Visa USA charges us a .8% International Service Assessment on all international transactions, regardless of whether there is a currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. In either case, we pass this international transaction fee on to you. An international transaction is a transaction where the country of the merchant is outside the USA.

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.

 

Internet Banking Computer Transfers - types of transfers and charges
You may access your account(s) by computer through the internet by logging on to the CVCB website at www.cvcb.com. A user identification and password will be required, 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 third parties (Bill Payment)
- see separate fee schedule for charges
• get information about:
- the outstanding balance of loans(s)
- the account balance of checking account(s)
- the account balance of savings account(s)
- the account history of checking and savings

 

FEES

 

• We do not charge for direct deposits to any type of account.
• We do not charge for preauthorized payments from any type of account.
• We will charge a replacement card fee. See separate fee schedule for current charges.

 

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).

                                                                                                                 DOCUMENTATION


• Terminal transfers. You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal. However, you may not get a receipt if the amount of the transfer is $15 or less.
• Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at 800-298-1775 to find out whether or not the deposit has been made.
• Periodic statements.

You will get a monthly account statement from us for your checking accounts or savings accounts
(if linked). 
You will get a monthly account statement from us for your savings accounts, unless there are no
transfers in a particular month. In any case, you will get a statement at least quarterly.

 

PREAUTHORIZED PAYMENTS 

• Right to stop payment and procedure for doing so. If you have told us in advance to make
regular payments out of your account, you can stop any of these payments. Here is how: 
Call or write us at the telephone number or address listed in this brochure in time for us to
receive your request 3 business days or more 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.
Please refer to our separate fee schedule for the amount we will charge you for each stop-payment order you give.  NOTE: You may not stop payment on an ATM, point-of-sale, or VISA Debit Card transaction. 
• Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)
• Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

                                                                                                                       FINANCIAL INSTITUTION’S 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:


(1)  If, through no fault of ours, you do not have enough money in your account to make the
transfer.
(2)  If you have an overdraft line and the transfer would go over the credit limit.
(3)  If the automated teller machine where you are making the transfer does not have enough
cash.
(4) If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
(5) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
(6) There may be other exceptions stated in our agreement with you.

 

CONFIDENTIALITY

We will disclose information to third parties about your account or the transfers you make:
(1) where it is necessary for completing transfers; or
(2) in order to verify the existence and condition of your account for a third party, such as a credit
bureau or merchant; or
(3) in order to comply with government agency or court orders; or
(4) as explained in the separate Privacy Disclosure; or
(5) if you give us written permission.

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UNAUTHORIZED TRANSFERS

 

(a) Consumer liability.

• Generally. Tell us at once if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. 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 believe your card and/or code has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. Also, if you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers made by card, code or other means 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 a hospital stay) kept you from telling us, we will extend the time periods.


• Limited Liability for ATM/Debit Card. Your liability is further limited if your card can be used to initiate a transaction for which you are not required to provide identifying information, such as a Personal Identification Number. You could lose all the money in your account. Your liability for the unauthorized
use of your card will be no more than $50 if you notify us of the unauthorized use.
In addition, when used in point-of-sale transactions, and unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions if your card is lost or stolen. This limit on liability does not apply to ATM transactions or to transactions using your PIN which
are not processed by VISA®. 
If you fail to notify us of an unauthorized use that appears on a periodic statement within 60 days of our transmittal of the statement, and we can establish that we could have prevented the unauthorized use if you had notified us within this period, you will be liable for each unauthorized transfer (other than VISA® point-of-sale transactions) that occurs after the close of the 60 days and before you give us notice.
If you fail to notify us because of extenuating circumstances beyond your control that contributed to your delay in notifying us, such as a serious physical impairment or hospitalization, this time period may be extended.


(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.

 

ERROR RESOLUTION NOTICE

 

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.


(1) Tell us your name and account number (if any).
(2) 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.
(3) 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 (5 business days for ATM/Debit Card point-of-sale transactions processed by Visa and 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 ATM/Debit Card point-of-sale transactions processed by Visa and 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.


CENTRAL VALLEY COMMUNITY BANK
CUSTOMER SUPPORT
7100 N FINANCIAL DR., STE. 101
FRESNO, CALIFORNIA 93720
Business Days: Monday through Thursday
Excluding Federal Holidays
During the hours of 8:30am - 5:00pm
Friday 8:30am - 5:30pm


Phone: 559-298-1775
MORE DETAILED INFORMATION IS AVAILABLE
ON REQUEST

 

NOTICE OF ATM/NIGHT DEPOSIT
FACILITY USER PRECAUTIONS

 

As with all financial transactions, please exercise discretion when using an automated teller machine (ATM) or night deposit facility. For your own safety, be careful. The following suggestions may be helpful.


1. Prepare for your transactions at home (for instance, by filling out a deposit slip) to minimize your time at the ATM or night deposit facility.
2. Mark each transaction in your account record, but not while at the ATM or night deposit facility. Always save your ATM receipts. Don’t leave them at the ATM or night deposit facility because they may contain important account information.
3. Compare your records with the account statements you receive.
4. Don’t lend your ATM card to anyone.
5. Remember, do not leave your card at the ATM. Do not leave any documents at a night deposit facility.
6. Protect the secrecy of your Personal Identification Number (PIN). Protect your ATM card as though it were cash. Don’t tell anyone your PIN. Don’t give anyone information regarding your ATM card or PIN over the telephone. Never enter your PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached, or is operating in a suspicious manner. Don’t write your PIN where it can be discovered. For example, don’t keep a note of your PIN in your wallet or purse.
7. Prevent others from seeing you enter your PIN by using your body to shield their view.
8. If you lose your ATM card or if it is stolen, promptly notify us. You should consult the other disclosures you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen.
9. When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset. At night, be sure that the facility (including the parking area and walkways) is well lighted. Consider having someone accompany you when you use the facility, especially after sunset. If you observe any problem, go to another ATM or night deposit facility.
10. Don’t accept assistance from anyone you don’t know when using an ATM or night deposit facility.
11. If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your card and leave. You might consider using another ATM or coming back later.
12. Don’t display your cash; pocket it as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car, home, or other secure surrounding.
13. At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up, except the driver’s window. Keep the engine running and remain alert to your surroundings.
14. We want the ATM and night deposit facility to be safe and convenient for you. Therefore, please tell us if you know of any problem with a facility. For instance, let us know if a light is not working or there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately.

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YOUR ABILITY TO WITHDRAW FUNDS

 

This policy statement applies to “transaction” accounts and savings accounts. Transaction accounts, in general, are accounts which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Checking accounts are the most common transaction accounts. Feel free to ask us whether any of your other accounts might also be under this policy.
Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use
the funds to pay checks that you have written.
Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 5:00 P.M. Monday through Thursday (except selected branches), or 6:00 P.M. Friday, on a business day that we are open, we will consider that day
to be the day of your deposit. However, if you make a deposit after 5:00 P.M. Monday through Thursday (except selected branches), or 6:00 P.M. Friday, or on a Saturday, or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
If you make a deposit at an ATM before 3:30 P.M. on a business day that we are open, we will consider that day to be the day of your deposit. However, if  you make a deposit at an ATM after 3:30 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
If we cash a check for you that is drawn on another bank, we may withhold the availability of a
corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.
If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

 

LONGER DELAYS MAY APPLY


Case-by-case delays. In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $200 of your deposits, however, will be available on the first business day.
If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.
If you will need the funds from a deposit right away, you should ask us when the funds will be available.

Safeguard exceptions. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:
We believe a check you deposit will not be paid.
You deposit checks totaling more than $5,000 on any one day.
You redeposit a check that has been returned unpaid.
You have overdrawn your account repeatedly in the last six months.
There is an emergency, such as failure of computer or communications equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

SPECIAL RULES FOR NEW ACCOUNTS

 


If you are a new customer, the following special rules will apply during the first 30 days your account is open.
Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will be available on
the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of
these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.
Funds from all other check deposits will be available on the seventh business day after the day of your deposit.

 

DEPOSITS AT AUTOMATED TELLER MACHINES

Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we own using envelopes allows for $200 immediate availability. The remainder of your deposit may not be available until the first business day after the day of your deposit.

Funds from any deposit (cash and checks) made at automated teller machines (ATMs) that do not require the use of envelopes, is able to verify cash deposits and thus, all cash is immediately available to you.   Checks that are deposited allows for $200 immediate availability. The remainder of your deposit may not be available until the first business day after the day of your deposit.

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SUBSTITUTE CHECKS AND YOUR RIGHTS
As our customer we think it's important for you to know about substitute checks. The following Substitute Check Disclosure provides information about substitute checks and your rights.

 

What is a substitute check?

 

To make check processing faster, federal law permits banks to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: “This is a legal copy of
your check. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check.
Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law
with respect to those transactions. What are my rights regarding substitute checks?
In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).
The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.
If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your
claim.
We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.
How do I make a claim for a refund?
If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at:

 

Central Valley Community Bank
Customer Support
7100 N Financial Dr., Ste. 101
Fresno, CA 93720

800-298-1775

You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or from the statement date where the error appears, whichever is later. We will extend this time period if you were not able to make a timely
claim because of extraordinary circumstances.

 

Your claim must include —
• A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);
• An estimate of the amount of your loss;
• An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and
• A copy of the substitute check or the following information to help us identify the substitute check: the check number, the amount of the check, the date of the check, the name of the person to whom you wrote the check, and signer on the check.

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TRUTH-IN-SAVINGS DISCLOSURE
STUDENT CHECKING ACCOUNT

A checking account for young adults 14-17 who are entering into a banking relationship (requires  a parent or guardian as joint owner)

 

Minimum Balance to Open Account - You must deposit $25.00 to open this account.
Rate Information - This is a “Non-Interest Bearing” account.
Balance Information - No minimum balance requirements
Service Charges - Monthly service charge will increase from no fee to $5.00 when the account holder is over 18 years of age. No account transaction or per item fees (other fees such as stop payment fees will apply)
Other Limitations:


• Canceled Checks - This is a "truncated-checking" account. This means that your canceled checks and or image checks will not be returned to you. You will receive a monthly statement listing transactions on your account.
• Copies of Image Checks - Upon your request (accountholder) the bank will provide two (2) free copies of image checks per account statement cycle at no charge. Thereafter copies in excess of two (2) can be reproduced at the current cost of research and per copy fees (see current fee schedule).
• ATM card access for withdrawals up to $40.00.

 

SIMPLICITY CHECKING ACCOUNT

 


Minimum Balance to Open Account - You must deposit $25.00 to open this account.
Rate Information - This is a “Non-Interest Bearing” account.
Balance Information - No minimum balance requirements
Service Charges - A monthly service charge of $6.00 will be imposed every statement cycle (four week period). E-statements waive the monthly service charge. Requires a valid e-mail address.
Other Limitations:


• Per Item Fees - $0.50 charge per check/draft after five (5) per monthly statement cycle.
• Canceled Checks - This is a “truncated-checking” account. This means that your canceled checks and or image checks will not be returned to you. You will receive monthly electronic statements listing transactions on your account.
• Copies of Image Checks - Upon your request (accountholder) the bank will provide two (2) free copies of image checks per account statement cycle at no charge. Thereafter copies in excess of two (2) can be reproduced at the current cost of research and per copy fees (see current fee schedule).

 

SECURE CHECKING ACCOUNT

 

 


Minimum Balance to Open Account - You must deposit $25.00 to open this account.
Rate Information - This is a “Non-Interest Bearing” account.
Balance Information - No minimum balance requirements.
Service Charges - A monthly service charge of $7.00 will be imposed every statement cycle (four week period). No monthly service charge for individuals age 62 and over.
Other Limitations:


• Per Item Fees - $0.50 charge per check/draft after fifteen (15) per monthly statement cycle.
• Canceled Checks - This is a ”truncated-checking” account. This means that your canceled checks and or image checks will not be returned to you. You will receive monthly statements listing transactions on your account.
• Copies of Image Checks - Upon your request (accountholder) the bank will provide two (2) free copies of image checks per account statement cycle at no charge. Thereafter copies in excess of two (2) can be reproduced at the current cost of research and per copy fees (see current fee schedule).

 

PROTECTION PLUS CHECKING

 


Minimum Balance to Open Account - You must deposit $100.00 to open this account.
Rate Information - This is a “Non-Interest Bearing” account.
Balance Information - No minimum balance requirements.
Service Charges - A monthly service charge of $10.00 will be imposed every statement cycle if you do not maintain a daily balance of $2,500.00 or a monthly average balance of $5,000.00.
Other Limitations:
• Canceled Checks - This is a "truncated-checking" account. This means that your canceled checks and or image checks will not be returned to you. You will receive monthly statements listing transactions on your account.
• Copies of Image Checks - Upon your request (accountholder) the bank will provide two (2) free copies of image checks per account statement cycle at no charge. Thereafter copies in excess of two (2) can be reproduced at the current cost of research and per copy fees (see current fee schedule).

 

RELATIONSHIP INTEREST CHECKING

 


Minimum Balance to Open the Account - You must deposit $100.00 to open this account.
Minimum Balance to avoid imposition of fees - A monthly service charge fee of $10.00 will be imposed every statement cycle (four week period) if you do not maintain a daily balance of $1,500.00 or a monthly average balance of $5,000.00.  Direct Deposit can reduce the monthly service charge fee from $10.00 to $8.00.
Minimum Balance to Obtain the Annual Percentage Yield Disclosed – You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield.

Rate Information - Your interest rate and annual percentage yield may change.
Frequency of Rate Changes - We may change the interest rate on your account at any time.
Determination of Rate - At our discretion, we may change the interest rate
on your account.
Compounding and Crediting Frequency - Interest will not be compounded. Interest will be credited to your account every month.
Effect of Closing an Account - If you close your account before interest is credited, you will not receive the accrued interest.
Daily Balance Computation Method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day.
Accrual of Interest on Non-cash Deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example - checks).

 

MONEY MARKET ACCOUNT

 

 


Minimum balance to open the account - You must deposit $2,500.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 on any day of the cycle.
Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction limitations:
Transfers from a Standard Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, or similar order to third parties are limited to six per statement cycle.
Fees:
An excess debit fee of $15.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during a statement cycle.

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PREMIUM MONEY MARKET ACCOUNT

 

 


Minimum balance to open the account - You must deposit $10,000.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge fee of $15.00 will be imposed every statement cycle (four week period) if the balance in the account falls below $2,500.00 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $10,000.00 in the account each day to obtain the disclosed annual percentage yield.
Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will not be compounded.  Interest will be credited to your account every month.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction limitations:
Transfers from a Premium Money Market account to another account of yours or to third parties by means of preauthorized or automatic transfer, telephone order, computer transfer or by check, draft, debit card or similar order to third parties are limited to six per statement cycle.
Fees:
An excess debit fee of $15.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during a statement cycle.

 

REGULAR SAVINGS ACCOUNT

 

 


Minimum balance to open the account - You must deposit $50.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge fee of $3.00 will be imposed every monthly statement cycle if the balance in the account falls below $200.00 any day of the cycle. New Accounts must meet minimum balance at the end of 90 days or service charge will apply.
Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account every quarter.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction limitations:
Transfers from a Regular Savings account to another account of yours or to third parties by means of a preauthorized or automatic transfer, telephone order, or computer transfer are limited to six per statement cycle with no transfers by check, draft, debit card, or similar order to third parties.
Fees:
An excess debit fee of $2.00 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of three during a four week statement cycle.

 

MINOR TRUSTEE SAVINGS ACCOUNT
(For customers under 18 with a parent or guardian as a joint holder)

 

 


Minimum balance to open the account - You must deposit $25.00 to open this account.
Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account every quarter. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction limitations:
Transfers from a Minor Trustee Savings account to another account of yours or to third parties by means of preauthorized or automatic transfer, telephone order, or computer transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.
Fees:
An excess debit fee of $2.00 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of three during a four week statement cycle.

 

HOLIDAY CLUB ACCOUNT
(Automatic transfers from another account is required)

 


Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on
your account.
Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account at maturity.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction limitations:
The minimum monthly deposit we require to this account is $25.00 as an automatic deduction transfer ongoing from January - December. Additional deposits may be made at any time in person or by mail.
If any withdrawal is made from this account before the annual disbursement, then this account may be closed.
Annual Disbursements: Funds are disbursed annually on the first Friday in the month of November. They are deposited into your designated checking or savings account. 

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RATES AND ANNUAL PERCENTAGE YIELDS
For current deposit rates you may contact any of our branches or call 559-298-1775.

 

TIME CERTIFICATE OF DEPOSIT
Refer to your Certificate of Deposit for complete details.

 


Rate Information - The interest rate on your account is —————% with an annual percentage yield of —————%. You will be paid this rate until first maturity.
Compounding frequency - Interest will be compounded quarterly, annually, or at maturity.
Crediting frequency - Interest will be credited to your account every quarter or at maturity.
Minimum balance to open the account - You must deposit □ $2,000.00 □$100,000.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of □$2,000.00 □$100,000.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction limitations:
You may not make any deposits into your account before maturity. You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.
You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time after crediting to the account during the current term.

 

Time requirements - Your account will mature ———————————————.
Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) -
• If your account has an original maturity of 12 months or less:
The fee we may impose will equal 30 days interest on the amount withdrawn subject to penalty.
• If your account has an original maturity of greater than 12 months to 59 months:
The fee we may impose will equal 90 days interest on the amount withdrawn subject to penalty.
• If your account has an original maturity of 60 months or more:
The fee we may impose will equal 180 days interest on the amount withdrawn subject to penalty.
In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.
Automatically renewable time account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity.
Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit.
You will have ten calendar days after maturity to withdraw the funds without a penalty.

 

IRA LIQUID SAVINGS ACCOUNT

Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account every quarter.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account - You must deposit $25.00 to open this account.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Tax Deposits and Statements – Deposits made to the account are considered “Current year unless you notify us at the time the deposit is made.  Deposits (Contributions) require the completion of appropriate tax documents.  Statements will be mailed to you at year end.

Transaction limitations:

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

Fees:  Although there is no fee to withdraw from this account, please note that withdrawals may be subject to IRS tax penalties.  Annual custodial fee may apply.  Refer to the separate Schedule of Fees.

 

INDIVIDUAL RETIREMENT ACCOUNT
Refer to your Certificate of Deposit for complete details.

 


□Rate Information (fixed rate account) - The interest rate on your account is —————% with an annual percentage yield of —————%. You will be paid this rate until maturity.
□Rate Information (variable rate account) - The interest rate on your account is —————% with an annual percentage yield of —————%. Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding frequency - Interest will be compounded daily (365).
Crediting frequency - Interest will be credited to your account every quarter.
Withdrawal of interest before maturity – The annual percentage yield assumes that interest remains on deposit until maturity.  A withdrawal of interest will reduce earnings.
Effect on closing an account – If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account - You must deposit $500.00 to open a Traditional or Roth IRA, or $100.00 to open a Coverdell Educational IRA.
Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum daily balance of $500.00 in a Traditional or Roth IRA, or $100.00 in a Coverdell Educational IRA, to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks). 

Transaction limitations:
You may not make any deposits into your account before maturity.
You may make withdrawals of principal from your account before maturity.
Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.

Maturity Date: Your account will mature ———————————————.
Early withdrawal penalties (a penalty will be imposed for withdrawals before
maturity) -
• If your account has an original maturity of 12 months or less:
The fee imposed will equal 30 days interest on the amount withdrawn.
• If your account has an original maturity of greater than 12 months to 59 months:
The fee imposed will equal 90 days interest on the amount withdrawn.
• If your account has an original maturity of 60 months or more:
The fee imposed will equal 180 days interest on the amount withdrawn.
In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.

 

For any time deposit which earns an interest rate that may vary from time to time during the term, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal.
Automatically renewable time account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity.
□Variable Rate - Each renewal term will be the same as the original term, beginning on the maturity date. Interest will be calculated on the same basis as during the original term.
□Fixed Rate - Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit.
You will have ten calendar days after maturity to withdraw the funds without a
penalty.

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HEALTH SAVINGS ACCOUNT

 

 


Rate Information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will not be compounded.  Interest will be credited to your account every quarter.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account - You must deposit $100.00 to open this account.
Minimum balance to avoid imposition of fees - A monthly service charge fee of $3.00 will be charged if the minimum monthly balance falls below $1,000.00 on any day of the statement cycle. 
Account Set-Up Fee - A set up fee of $20.00 is charged to open an H S A account.
Statements - Statements are mailed monthly or quarterly.
Health Savings Accounts (HSA). For your convenience, we permit you to take distributions from your HSA by check or through electronic funds transfers. These features can raise a variety of tax concerns for example getting additional cash back on an HSA transaction, or electronically transferring more than the allowable amount. As a result, if you have more than one account with us it is good practice to make sure you are using the correct debit card or appropriate checkbook for the transaction. Also, it is your  responsibility to ensure the contributions, distributions, and other actions related to your HSA, comply with the law, including federal tax law. As always, we recommend consulting a legal or tax professional if you have any questions about managing your HSA. The terms of this disclosure are intended to work in conjunction with the HSA Agreement provided to you earlier. In the event of a conflict, the terms of the HSA Agreement control. You understand that your HSA is intended to be used for payment of qualified
medical expenses. It is your responsibility to satisfy any tax liability resulting from use of your HSA for any purpose other than payment or reimbursement of qualified medical expenses. We do not monitor the purpose of any transaction to or from your HSA. Nor are we responsible for ensuring your eligibility for making contributions or ensuring withdrawals are used for payment of reimbursement of qualified medical expenses. Refer to your HSA Agreement for more information relating to the use of your HSA.
FEES
A non-sufficient funds balance may result from: A) The payment of checks, electronic funds transfers or other in-person withdrawal requests; B) Payments authorized by you; C) The return of unpaid items deposited by you; D) The imposition of bank service charges; E) The deposit of items which according to the Bank’s Funds Availability policy, are treated as not yet “available” or finally paid; F) ATM withdrawals or other electronic means as applicable.

 

Please refer to our current schedule of fees. Fees may be subject to change. 

 

CHECK ORDERS
Check printing .................(fee depends on style and quantity of check ordered)

 

7 DAY REQUIREMENTS

 

 


We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.

 

 

 

Revision Date: 11/13
© 1988, 1992, 1995 Wolters Kluwer Financial Services – Bankers Systems™
Form AIB-TIS 8/4/95 8d,9a Custom TCM-5q,2az,3o,4t



 

Other Disclosures

Click the links below to view additional available disclosures.

Visa Platinum Application

Visa Platinum Advantage Application

 

 




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