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720 Main St NW
Bourbonnais, IL 60914

Ph:(815) 935-8000
Fx: (815) 935-8011

Accounting Fax:
(815) 935-8074

110 Marquette Place S
Manteno, IL 60950
Ph: (815) 468-8100
Fx: (815) 468-8188

Friday:

Saturday:

8AM to 5:30PM

8AM to 12PM

Privacy Policy | Terms  of Use                                                 Municipal Bank- All rights reserved ©  2017

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Monday-Thursday:

8AM to 5PM

Momence Office

228 N Dixie Hwy
Momence, IL  60954
Ph: (815) 472-6444
Fx: (815) 472-6472

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Privacy Policy

ELECTRONIC FUND TRANSFERS - YOUR RIGHTS AND RESPONSIBILITIES


In Case of Errors or Questions about your Electronic Transfer:

Call or write us at (815) 935-8000 if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. You must notify us no later than 60 days after the first statement sent by the bank on which the problem or error appeared.


  1. Tell us your name and account number.
  2. Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  3. Tell us the dollar amount of the suspected error.

If you tell us verbally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days (20 business days if the transfer involves a new account) after we hear from you, and we 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 this action is deemed necessary, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. you may ask for copies of the documents that we used in our investigation.


To report lost or stolen debit cards, immediately call (815) 935-8000 during bank operating hours or call (800) 554-8969 after hours.


In Case of Errors or Inquiries about your Revolving Credit Bill:

Send your inquiry in writing on a separate sheet so that the bank receives it within 60 days after the bill was mailed to you. Your written inquiry must include:


  1. Your name and account number.
  2. A description of the error and why (to the extent you can explain) you believe it is an error; and
  3. The dollar amount of the suspected error.

If you have authorized your bank to automatically pay your bill from your checking or savings account, you can stop or reverse payment on any amount you think is wrong by mailing your notice so that the bank receives it within 3 business days prior to the scheduled payment date. You remain obligated to pay the parts of your bill not in dispute, but you do not have to pay any amount in dispute during the time the bank is resolving the dispute. During that same time the bank may not take any action to collect disputed amounts or report disputed amounts as delinquent. This is a summary of your rights; a full statement of your rights and the bank's responsibilities under the Federal Fair Credit Billing Act will be sent to you both upon request and in the response to a billing error notice.


Finance Charge Computation for Home-Equity Plans:  We figure the finance charge on your account by applying the periodic rate to the “daily balance” of your account for each day in the billing cycle. To get the “daily balance” we take the beginning balance of your account each day, add any new advances and subtract any payments or credits and any unpaid finance charges.  This gives us the "daily balance."


Interest Charge Computation for Lines of Credit other than Home-Equity Plans:  We figure the interest charge on your account by applying the periodic rate to the “daily balance” of your account for each day in the billing cycle. To get the “daily balance” we take the beginning balance of your account each day, add any new advances and subtract any payments or credits and any unpaid interest or other finance charges.  This gives us the "daily balance."


 

MUNICIPAL TRUST AND SAVINGS BANK

ACCOUNT RECONCILIATION FORM

                       

                                 Bank Statement Date:__________

                       

             Ending Balance from Bank Statement       $_________  

                       

    List Deposits recorded in your register but not shown on statement:  

    Deposit Date   Amount   Deposit Date   Amount      

    ____________   $_________ ____________   $_________    

    ____________   $_________ ____________   $_________      

    ____________   $_________ ____________   $_________    

    ____________   $_________ ____________   $_________      

    ____________   $_________ ____________   $_________    

                       

    Total Deposits not shown on statement   $_________  

                       

    Subtotal               $_________  

                       

    Subtract Outstanding Checks:          

    Check Number   Amount   Check Number   Amount      

    ____________   $_________ ____________   $_________    

    ____________   $_________ ____________   $_________    

    ____________   $_________ ____________   $_________    

    ____________   $_________ ____________   $_________    

    ____________   $_________ ____________   $_________    

                       

    Total Outstanding Checks       $_________  

                       

    Account Balance           $_________  

                       

    Balance you show in Checkbook       $_________  

                       

    Difference               $_________