Disclosures, Agreements and Forms
Government regulations require that we make the following disclosures available to you when you apply for an account. By clicking on the documents listed below, you may view and print the disclosures for your records. (All files are in pdf format and require Adobe Reader to view them. To get a free copy of Acrobat Reader, click here.)


General
 Disclosures & Agreements
  Privacy Notice
  USA Patriot Act Notice

 Forms
  Remote Security Authorization Form


Online Banking
 Disclosures & Agreements
  Internet Banking Agreement
  Electronic Access Policy

 Forms
  Request to add External Account to IBS


Deposits
 Disclosures & Agreements
  Deposit Account Terms and Conditions
  Funds Availability Policy
  Electronic Access Policy
      (including Error Resolution Process)
  Truth In Savings
  Additional TIS Information on CDs
  Deposit Fee Schedule
  HSA Custodial Agreement
  HSA Fee Schedule

 Forms
  ATM/Debit Error Resolution Request
  Authorization to Add/Remove Joint Owner
      or Additional Signer
  ACH Authorization for Recurring
      Deposit/Transfer
  Request for Transfer or Conversion to an IRA
  IRA Rollover


Credit Cards
 Disclosures & Agreements
  MasterCard Benefits (link to mastercard.com)
  MasterCard Rewards Program Rules
  VISA Benefits (link to visa.com)
  VISA Rewards Program Rules
  VISA Redemption Rules - CDs
  VISA Redemption Rules - Money Market
  VISA Redemption Rules - Installment Loans

 Forms
  Transaction Dispute Notification


Installment Loans
 Disclosures & Agreements
  Simple Solutions Disclosures

 Forms
  ACH Authorization Form for Loan Payment


Business Accounts
 Disclosures & Agreements
  Line of Credit and Business Card Agreement
  Premier Business Terms and Conditions
  VISA Business Card Benefits (link to visa.com)

 Forms
  BLOC and Corporate Card Dispute Form
  Certification of Authority
  Personal Financial Statement








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