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As a full-service bank, we offer many services to our customers.
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Instant Cash Card (ATM - Automatic Teller Machine
Cards)
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You may use your Instant Cash card and personal identification number
(PIN) to initiate deposits, withdrawals, and transfers, and obtain
balance information on your checking and savings accounts. You may
withdraw up to a maximum of $350 (if there are sufficient funds in your
account) per day. There is no charge for ATM transactions at our
machines. For machines that we do not own, there is a $2.00 charge for
each withdrawal and deposit and a $1.50 charge for each inquiry, transfer
and denied transaction. There is an annual card fee of $5.00.
If your card is lost or stolen, you can report it after hours to the
Instant Cash Lost/Stolen Card line at 1-800-535-8440. You will need to know the number
on the card. If you do not
know the number on your card, please call the bank as soon as possible at
269-2145 (local) or toll-free at 1-888-269-2145 during banking
hours.
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(Subject to Qualification)
This is an ATM card that also works like a check. It will allow you to
purchase goods and services at any Visa merchant and at any Interlink
merchant that has agreed to accept the card. The purchase amount is
deducted from your checking account. You may use the card and Personal
Identification Number (PIN) issued you to pay for purchases from
merchants who have agreed to accept the card at point of sale (POS) terminals
within the networks identified on your card and other such terminals as
the bank may designate from time to time. You may purchase up to a
maximum of $500 worth of goods and services per day, exclusive of ATM
withdrawals. At the present time there is no charge for any debit card or
POS transactions. If you should need to replace your card, there is a
replacement card fee of $10 per card.
If your card is lost or stolen, you can report it after hours to the Instant
Cash Lost/Stolen Card line at 1-800-535-8440. You will need to know the number
on the card. If you do not
know the number on your card, please call the bank as soon as possible at
269-2145 (local) or toll-free at 1-888-269-2145 during banking hours.
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You may arrange for us to complete the following preauthorized
transfers to and from your accounts: Accept direct deposits to your checking
or savings accounts, or pay certain bills from your checking or savings
accounts. We do not charge for any preauthorized transactions. We will
charge $20 for each stop payment order you request on preauthorized
transactions.
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402-269-2133 (local) or 1-888-269-2133 (toll free)
Xpress Banking gives you immediate access to information, 7 days a week,
24 hours a day, by using your telephone. You can obtain deposit account
balance information, determine if a particular check has cleared your
account, transfer funds between your deposit accounts (by completing a
Request for Funds Transfer form to assure the security of your accounts),
inquire about loan balances and payments and find out about current loan
interest rates. There are no service charges for this service.
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Subject to credit approval, overdraft protection enables you to draw
on a line of credit through the use of your checking account. The credit
will be automatically advanced up to the current credit limit in $100
increments. The minimum monthly payment required is 5% of the total
principal, plus the finance charge balance, but not less than $10 or such
lesser amount as will reduce the account balance to zero. The minimum
monthly payment will be automatically deducted from your checking account
on the statement date. Additional payments may be made at any time.
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Some other services that we offer are estate planning, ACH origination,
wire transfer services, combined account statements and bank-by-mail. We
sell American Express Travelers Cheques and
U.S. Savings Bonds (both EE and I series). We have safe deposit boxes and
toll-free telephone numbers, both for the bank and for our telephone
banking product, Xpress Banking.
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Copyright
© 2001. First National Bank & Trust of Syracuse Nebraska
Portions © 1995-2001. FundsXpress, Inc.
All Rights Reserved.
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