2007-03
~~ Citizens Bank
1-800-862-6200
Call Citizens' Phone Bank anytime for account information,
current rates and answers to your questions.
USOOl BR624
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
20 MIDDLEBUSH RD
WAPPINGERS FALLS NY
5
1
Commercial Account
Statement
o OF 2
Beginning March 01, 2007
through March 31, 2007
Commercial Checking
12590-4004
SUMMARY
Balance Calculation
Previous Balance
Checks
Debits
Deposits & Credits
Interest Paid
Current Balance
16,097.95
20,463.71 -
101. 19 -
21,670.45 +
27 . 64 +
17,231. 14 =
Balance
Average Daily Balance
6,661,61
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
Municipal Checking wjInterest
400407-654-3
Previous Balance
TRANSACTION DETAILS
Checks. There is a break in check sequence
Check # Amount
1011 157.50
1012 107.05
1013 24.00
Debits
Other Debits
Date
03/15
Date ../
03/20
03/06 ~
03/08 1/
Interest
Current Interest Rate
Annual Percentage Yield Earned
Number of Days Interest Earned
Interest Earned
Interest Paid this Year
4.86%
5.00%
31
27,64
159,34
Check #
1014
1015
Amount ,,)late
15.00 "" 03/14
20,160.16 03j02 ~
Amount Description
101. 19 Nysdec Decals_ach 070315 137107073010649 v""
Deposits & Credits
Date Amount
03/01 4,466.95
03/02 238.50
03/05 97.75
03/06 66.50
03/07 1,861.00
03/08 151.50
03/09 748.00
03/12 1,096.25
03/13 234.50
03/14 401.50
03/15 1,203.00
03/15 645.00
03/19 356.50
03/19 30.00
\-;;:r
Description
Deposit .I
Deposit ../
Deposjt J/
Depos!t :I
DepOSIt /
Deposit
Deposit ./
Deposit.!
Deposjt.-:
DepOsIt....
Deposit.i,
Deposit /
Deposit II
Deposit/
16,097.95
o
Total Checks
20,463.71
o
Total Debits
101. 19
~~ Citizens Bank
1-800-862-6200
Call Citizens' Phone Bank anytime for account information,
current rates and answers to your questions.
Commercial Checking continued from previous page
Deposits & Credits (continued)
Date Amount Description
03/20 1,156.00 Deposit.l
03/21 923.00 Deposit..!,
03/21 210.00 Deposit '/
03/21 130.50 Deposit../
03/21 45.00 Deposit
03/22 218.50 Deposit./
03/23 276.50 Deposit../
03/26 1,181. 00 Deposit'/
031.27 3,366.50 Deposit //
03/28 163.00 Deposit ~
03/29 1,456.50 Deposit./
03/30 947.00 Deposit
Interest
Date
03/30
Amount Descriptlon,/
27.64 Interest./
Daily Balance
Date
03/01
03/02
031.05
031.06
03/07
03/08
03/09
I NEWS
Balance Date
Balance
4,533.19
4,767.69
5,154.19
6,901. 00
7,287.50
8,286.00
9,594.50
Date
03/22
03/23
03/26
031.27
03/28
03/29
03/30
Balance
9,813.00
10,089.50
11,270.50
14,637.00
14,800.00
16,256.50
17 ,231.14
20,564.90
643.24
740.99
700.44
2,561.44
2,688.94
3,436.94
03/12
03/13
03/14
03/15
03/19
03/20
03/21
FROM CITIZENS
--Starting May 1, 2007 your statement will detail your ATM and Debit Card transactions made
outside of the United States as two separate items: the purchase or withdrawal amount and the
Foreign Currency Fee amount. The Foreign Currency Fee amount consists of a 1% Foreign
Currency Fee and any related network fees that may apply.
--A small business can run into many unexpected surprises, needs, as well as
opportunities. Citizens Bank can help your business be prepared with either a business loan
or business line of credit. When you borrow money for your business from Citizens Bank, you
work with the #1 SBA lender in New England and Pennsylvania. You'll save time and money with
our streamlined application process and specially-designed business loans. To learn more
about our business loans, lines of credit and other valuable services, visit your nearest
branch, go to citizensbank.com or call1-800-4BUSINESS.
--FAST AND FREE! Your Citizens Bank business checking account can speed up availability of
funds. Receive next day settlement of funds from credit card transactions when you choose
Citizens Merchant Services as your payment processor. Sign up for a new merchant services
account by April 13th and there is no application fee and you'll also receive six months'
free rental of an industry-leading VeriFone terminal (choose an Omni 3730 or 3730 LE).
Call1-800-4BUSINESS or stop by your local Citizens branch for details.
Terms and conditions apply.
Member FDIC ~ Equal Housing Lenc1er
Commercial Account
Statement
o OF 2
Beginning March 01, 2007
through March 31, 2007
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT :
Munidpal Checking w)Interest
400407-654-3
o
Total Deposits & Credits
21,670.45
o
e
Total Interest Paid
27.64
Current Balance
17 ,231.14
~~ Citizens Bank
Checking Account Balance Worksheet
Customer Service
Before completing this worksheet, please be sure
to adjust your checkbook register balance by
. Adding any interest earned
· Subtracting any fees or other charges
If you have any questions regarding your account or discover an error, call the number
shown on the front of your statement or write to us at the following address:
Citizens Bank
Customer Service Center
P.o. Box 42001
Providence, RI 02940.200/
1
2
Your current balance on this statement
$ /1 d 3/ . / tj
Current Balance
Deposit Accounts are Non-Transferable
List deposits which do not appear on
this statement
Personal deposit accounts, such as CDs and savings accounts. cannot be transferred to
another person or to a corporate entity.
In Case of Errors or Questions about your Personal Deposit Electronic Transfers or
Loan Statements
Date
Amount
Date
Amou nt
Electronic Transfers or Loan Statements
If you think that your statement or receipt Is wrong, or if you need more information
about a transfer/transaction on your statement or receipt, call us at the number shown
on the front of your statement or write us as soon as possibte at the address above. We
must hear from you no later than 60 days after we sent you the first statement on which
the error or problem appeared. You can call us. but you must also write to us to fully
preserve your rights.
0$cfifd3f),85
Total of 2
0$'-114&6 q~
Subtotal at 1 a 2
In your letter, please give us the following information:
. your name and account number;
. the dollar amount of the suspected error; and
. a description of the suspected error or item in question, including an explanation of
why you believe there is an error or why you need more information.
3
4
Subtotal by adding 1 and 2
List outstanding checks, transfers, or
withdrawals that do not appear on this
statement
Electronic Trans/ers
We will investigate your question and correct any error promptty. If we take more
than 10 business days (10 calendar days in MA) to complete our investigation, we
will credit your account for the amount in question so that you have use of the
money during that time.
Datel
Check No.
Amou nt
Datel
Check No.
Amount
Loan Statements
You do not have to pay any amount in question while we are investigating it. However.
you do have to pay the parts of your bill that are not in question. While we investigate
your question. we cannot report you as delinquent or take any action to collect the
amount in question.
Finance Charge Calculations for Overdraft Line of Credit Accounts
Based on Average Dally Balance Computation Mathod
Calculating your Finance Charge
We compute your finance charge by multiplying the Average Daily Balance of your
account by the Daily Periodic Rate and then multiplying the result by the number of
days in the billing cycle.
~ Calculating your Average Daily Balance
To get the average daily balance, we take the beginning balance of your account each
day (which does not include any unpaid finance charges or fees). add any new Overdraft
G\ I C, I . Line of Credit transactions as of the date of those transactions. and subtract any pay.
'1JI ments or credits. This gives us the daily balance. Then we add alt the daily balances for
fhe billing cycle together and divide the total by the number of days in the billing cycle.
This gives us the average daily balance for your account.
0$ J j 11 !;o?t Change of Address .
....._.._m , ....elease.caIJthe.numbeumown On theJront.of .y.ouutatement to notify usaf a Change of.
~ $ It ~ U [I tJ y address.
Q Total Thank you for banking with Citizens Bank.
(j;])
5
Subtotal 4 from 3. This should match your
checkbook register balance.
(~
~~ Citizens Bank
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Member FDIC G Equal Housing L_encle"
II