2009-10
~
~~ Citizens Bank
1-800-862-6200
Call Citizens' PhoneBank 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
1
1
Commercial Account
Statement
o OF 2
Beginning October 01, 2009
through October 31, 2009
Commercial Checking
12590-4004
SUMMARY
Balance Calculation
Previous Balance
Checks
Debits
Deposits & Credits
Interest Paid
Current Balance
31,253.98
27,843.24 -
4,471.29 -
46,355.25 +
9.02 +
45,303.72 =
Balance
Average Daily Balance
Interest
Current Interest Rate
Annual Percentage Yield famed
Number of Days Interest famed
Interest famed
Interest Paid this Year
26,531.90
.40%
.40%
31
9.02
103.38
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
Municipal Checking w/Interest
400407-654-3
Previous Balance
TRANSACTION DETAILS
Checks' There is a break in check sequence
Check # Amount
1155 360.00
1156 106.92
1157 21. 00
Debits
Other Debits
Date
10/15
Date
lOin
10107---
10/14.--
Check #
1158
1159
Amount
15.00
27,340.32
Amount Descrtption
4,471.29 Nysdec Decals_ach 091015137109287003412
Deposits & Credits
Date Amount
10101 1,050.00
10102 2,288.50
10105 1,376.00
10106 1,118.25
10107 1,402.50
10108 2,175.50
10109 6,310.50
10/13 1,919.00
10/14 2,130.00
10/15 2,992.50
10/16 4,081.00
10/19 4,676.00
10/20 698.00
10/21 225.50
Member FDIC @ EqUdl Huusing Lender
Description
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
\
Date
10/13-'
10/06 -
31,253.98
o
Total Checks
27,843.24
o
Total Debits
4,471.29
I~ 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
Commercial Account
Statement
o OF 2
Beginning October 01, 2009
through October 31, 2009
Deposits & Credits (continued)
Date Amount Description
10/22 140.00 Deposit
10/23 3,874.50 Depo~t
10/26 2,059. SO Deposit
10/28 1,013.00 Depo~t
10/28 244.00 Deposit
10/28 2.00 Credit Memo
10/29 6,440.00 Deposit
10/30 139.00 Deposit
Interest
Date
10/30
Amount Description
9.02 Interest
Daily Balance
Date Balance Date Balance Date
10/01 32,303.98 10/13 21. 071. 99 10/22
10/02 34,592.48 10/14 23,180.99 10/23
10/05 35,968.48 10/15 21,702.20 10/26
10/06 9,746.41 10/16 25,783.20 10/28
10/07 11 ,041. 99 10/19 30,459.20 10/29
10/08 13,217.49 10/20 31,157.20 10/30
10/09 19,527.99 10/21 31,382.70
I NEW S FRO M CITIZENS
Balance
31,522.70
35,397.20
37,456.70
38,715.70
45,155.70
45,303.72
--Using a home equity line of credit offers you the flexibility to borrow what you need, when
you need it. Home equity loans offer you a fixed rate with predictable monthly payments. And
through December 26, 2009, open any new home equity loan or line of credit and receive 1/2%
off your loan and $50 on your new credit card statement*. See a banker today.
*One rate reduction per property. Not available on Capped Rate Home Equity Line of Credit(R)
or the Line of Credit as part of the Loan/Line Combo product. Checking account required.
Minimum annual percentage rates apply. Credit card offer required.
uA message for all Citizens Bank MasterCard Business Debit Card customers, you should have
received your new Citizens Bank Visa Business Debit Card which replaced your existing
MasterCard Business Debit Card. If you have not received your new Visa Business Debit Card,
please call us at 1-866-438-9222. To activate your new Visa Business Debit Card call
1-800-527-1800. Or simply use your card at any ATM or merchant and make a PIN-based purchase.
IMPORTANT: Your card number and expiration date has changed. If you use your current debit
card for recurring payments, we'll make every reasonable effort to ensure your payments are
not impacted. To ensure there is no interruption in service, we recommend that YOll contact
your billers to update your information.
Member FDIC Q Equal How;Ing L';>l1der
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
Municipal Checking w/Interest
400407-654-3
o
Total Deposits & Credits
46,355.25
o
e
Total Interest Paid
9.02
Current Balance
45,303.72
Finance Charge Calculations for Overdraft Line of Credit Accounts
f::\ 1 33/ -5 ,r;:) Based on Average Dally Balance Computation Method
\.:)$ T~t;(~(4 Calculating your Finance Charge
We compute your finance charge by multiplying the Average Daily Balance of your
r::\ $. ~((19 .3,80 account .by the ~a!ly Periodic Ra. te and then multiplying the result by the number
\::..J-~-- - --Total of days In the bILling cycle.
~ (\ lV Calculatiog your Average Daily Balance
\\0 ~O'" ~o ,the average daily balance, we take the beginning balance of your account
\\ \ day (which does not include any unpaid finance charges or fees), add any
.tr. new Overdraft Line of Credit transactions as of the date of those transactions,
,\..1 ,/ 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.
///.
.Y Thank you for banking with Citizens Bank.
~~ Citizens Bank
Checking Account Balance Worksheet
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
..A5 ~'o. 3 -j ~..
$1 ,.I . . ICl\
Current Balance
Your current balance on this statement
2
list deposits which do not appear on
this statement
Date
11- ().
/ / _ t.../
Amount
II qq....
!..p,-
Date
Amount
8$
I Dc::) -
Total of 2
G\$ 1IIJDOfl.7(;(
\::..J Subtotal of 1 and 2
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. Amount
Date/
Check No. Amount
J-
</ CA'-75,I.oJ
1 oq. L/O
(f)
swa tjO
5
Subtract 4 from 3. This should match your
checkbook register balance
Member FDIC Q Eqll.:d Housing Lcn(jer
Customer Servfce
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 Bill
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 far 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 an 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 investigation.
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.
,
.
~I Citizens Bank
Member FDIC G) Equal Housing lender
