Loading...
2009-07 ~~ Citizens Bank 1-800-862-6200 Call Citizens' Phone Bank anytime for account information, current rates and answers to your questions. US059 BR624 TOWN OF WAPPINGER TOWN CLERK ACCOUNT 20 MIDDLEBUSH RD WAPPINGERS FALLS NY 4 1 Commercial Account Statement o OF 2 Beginning July 01, 2009 through July 31, 2009 Commercial Checking 12590-4004 SUMMARY Balance Calculation Previous Balance Checks Debits Deposits & Credits Interest Paid Current Balance 58,260.10 58,496.83 - 585 . 77 - 27,616.39 + 10.78 + 26,804.67 = Balance Average Daily Balance Interest Current Interest Rate Annual Percentage Yield Earned Number of Days Interest Earned Interest Earned Interest Paid this Year 25,358.48 ,50% .50% 31 10 .78 76.98 TOWN OF WAPPINGER TOWN CLERK ACCOUNT Munidpal Checking wjlnterest 400407-654-3 Previous Balance TRANSACTION DETAILS Checks' There is a break in check sequence Check # Amount 1141 58,051.46 1142 247.50 Debits Other Debits Date 07/14 07/15 07/15 Date 07108 07/23 Check # 1143 1144 Amount Description 125.00 Deposited Check Returned 125.00 Deposited Check Returned 335.77 Nysdec Decals_ach 090715137109195044842 Deposits & Credits Date Amount 07/01 572.50 07/02 1,519.00 07/06 2,241.50 07/07 610.75 07/08 859.00 07/09 3,371.75 07/10 685.50 07/13 1,273.50 07/14 718.00 07/15 561. 50 07/16 1,649.00 07/17 1,765.00 07/20 254.50 Member FDIC G) Equal HOllslnq Lender Description Deposit Deposit Deposit Deposit Deposit Deposit Deposit Deposit Deposit Deposit Deposit Deposit Deposit Amount 51.00 146.87 Date 07/17 07/10 58,260.10 <:) Total Checks 58,496.83 <:) Total Debits 585 . 77 I~ Citizens Bank 1-800-862-6200 Call Citizens' Phone Sank anytime for account information, current rates and answers to your questions. Commercial Checking continued from previous page Commercial Account Statement e OF 2 Beginning July 01, 2009 through July 31, 2009 i Deposits & Credits (continued) Date Amount Description 07/21 2,600.50 Deposit 07/21 125.00 Deposit 07/22 1,055.50 Deposit 07/23 925.50 Deposit 07/24 542.50 Deposit 07/24 125.00 Deposjt ~hOL,t\ d r:J2.. 07/28 2,415 00 nppl1<lt- 07/28 1,024.70 Deposit 07/29 581.00 Deposit 07/30 436.19 Deposit 07/31 1,704.00 Deposit , ,'I ::,';', \",. .,/ Interest Date 07/31 Amount Description 10.78 Interest Daily Balance Date Balance Date Balance Date 07/01 58,832.60 07/13 11,195.27 07/22 07102 60,351.60 07/14 11,788.27 07/23 07106 62,593.10 07/15 11 ,889.00 07/24 07107 63,203.85 07/16 13,538.00 07/28 07/08 6,011.39 07/17 15,252.00 07/29 07/09 9,383.14 07/20 15,506.50 07/30 07/10 9,921. 77 07/21 18,232.00 07/31 I NEW S FRO M CITIZENS Balance 19,287.50 19,965.50 20,633.00 24,072.70 24,653.70 25,089.89 26,804.67 --Introducing the Circle Gold Mortgage Advantage(TM). Get 1/8% off already historically low mortgage rates when you open a Circle Gold Checking(R) account with automatic payment. As a mortgage and Citizens Circle Gold Banking(R) customer you'll enjoy benefits such as having your monthly checking maintenance fees waived, our Circle Gold Savings account, credit card offers with great rates and more. Call our exclusive customer service number and start saving on your monthly mortgage payment: 1-888-514-2300. --The TruFit Student Loan from Citizens Bank. Featuring a choice of repayment plans, the TruFit Student Loan provides eligible students and families with financing alternatives after they've maximized grants, scholarships and federal loan options. Discuss your needs with our education finance specialists today at 1-888-333-0128. www.citizensbank.com/TruFitStudent. Member FDIC @ Equal Housing Lender TOWN OF WAPPINGER TOWN CLERK ACCOUNT Municipal Checking w/Interest 400407-654-3 o Total Deposits & Credits 27,616.39 o e Total Interest Paid 10.78 Current Balance 26,804.67 (h".;A.uf.~!.~~!!1.~t Ba n k Before completing this worksheet, please be sure to adjust your checkbook register balance by · Adding any interest earned · Subtracting any fees or other charges 1 Your current balance on this statement 2 List deposits which do not appear on this statement Date 7/D CjI1'3 . Amount Date Amount l~C()' /iO il5D 3 Subtotal by adding 1 and 2 4 List outstanding checks, transfers, debits, POS purchases or withdrawals that do not appear on this statement Date/ Check No. Date/ Check No. Amount Amount rlLj. 02- ../1" 1"\1, " eJ.VI../ ,),Pjo - 15 --- JJOm ,LJCf 5 Subtract 4 from 3. This should match your checkbook register balance Member FDIC @ Equci Housing Ll:mier $ r9(o/tOLI.lo 7 Current Balance 0$ 0$ wO / . 00 Total of 2 J1~05,'{1 Subtotal of 1 and 2 .::J -- /:\ (\ {) 5 I cJt)46J I Total of 4 Customer Service 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 02940-2001 Deposit Accounts Are Non-Transferable Personal deposit accounts, such as CDs and savings accounts, cannot be transferred to another person or to a corporate entity. loan Statements BilLING RIGHTS SUMMARY In Case of Errors or Questions About Your Blll If you think your bill is wrong, or if you need more information about a transaction on your bill, write us at the address shown above as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: . Your name and account number. . The dollar amount of the suspected error. . Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated 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 you question. Special Rule for Credit Card Purchases If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or 10catlOn of purchase.) Electronic Transfers In Case of Errors or Questions About Your Electronic Transfers In case of errors or questions about your electronic transfers, telephone us at the number shown on the front of your statement or write us at the address shown above as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. Tell us your name and account number (if any). Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is a n error or why you need more information. . Tell us the dollar amount of the suspected error. We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your 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 mvestigation. Finance Charge Calculations for Overdraft Line of Credit Accounts Based on Average Daily Balance Computation Method Calculcmn9 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 Line of Credit transactions as of the date of those transactions, and subtract any payments or credits. This gives us the daily balance. Then we add all the daily balances for the 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. Negative Information 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. Change of Address Please call the number shown on the front of your statement to notify us of a change of address. Thank you for banking with Citizens Bank. Citizens Bank is a division of RBS Citizens, N.A. Citizens Bank of Pennsylvania is a separate bank and not part of RBS Citizens, N.A.