2008-09
~~ 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
5
1
Commercial Account
Statement
o OF 2
Beginning September 01, 2008
through September 30, 2008
SUMMARY
Commercial Checking
12590-4004
Balance Calculation
Previous Balance
Checks
Debits
Deposits & Credits
Interest Paid
Current Balance"
40,597,44
39,944.64 -
3,507.72 -
128,120.92 +
73.56 +
125,339.56 =
Balance
Average Daily Balance
Interest
Current Interest Rate
Annual Percentage Yield Earned
Number of Doys Interest Earned
Interest Earned
Interest Paid this Year
43,147.31
2.08%
2.09%
30
73.56
543.32
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 If Amount
1094 15.00
1095 495.00
1096 39,318.99
Debits
Other Debits
Date
09/16
09/25
09/26
Date
09/12
09/11
09/02
Check If
1097
1098
Amount Description
3,397.72 Nysdec Decals ach 080915 137108258005208
100.00 Deposited Check Returned
10.00 Deposited Check Returned
Deposits & Credits
Date Amount
09/02 1,538.00
09/02 1,206.92
09/03 594.50
09/04 964.00
09/05 1,138.50
09/08 732.00
09/09 544.00
09/10 1,932.00
09/11 997.00
09/11 868.00
09/12 3,342.50
09/15 24,601.00
G.,
Description
Deposit /
Deposit. /
Deposit
Deposit. //
Deposit /
Deposit /"
Deposit /
Deposit ./
Deposit/
Deposit ./
Deposit-
Deposit /
Amount
94.65
21. 00
Date
09/04
09/11
40,597.44
<:)
Total Checks
39,944.64
<:)
Total Debits
3,507.72
~~ 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 poge
Commercial Account
Statement
e OF 2
Beginning September 01, 2008
through September 30, 2008
Deposits & Credits (continued)
Date Amount Description
09/15 577.00 Deposit::;'
09/16 564.00 Deposit./
09/17 197.50 Deposit
09/18 813.50 Deposit./
09/19 1,241.50 Deposit,'
09/22 3,711.00 Deposit
09/23 65,249.00 Deposit .
09/24 2,017.50 Deposit/
09/25 1,194.50 Deposit .'
09/26 8,720.75 Deposit'/
09/29 4,943.25 Deposit /
09/30 433.00 Deposit/'
Interest
Date
09/30
Amount Description /
73.56 Interest ./
Daily Balance
Date
Balance
Date
Balance
Balance Date
09/11
09/12
09/15
09/16
09/17
09/18
09/19
09/22
09/23
09/24
09/25
09/26
09/29
09/30
42,818.00
108,067.00
110,084.50
111,179.00
119,889.75
124,833.00
125,339.56
11 , 182 . 72
14,510.22
39,688.22
36,854.50
37,052.00
37,865.50
39,107.00
09/02 4,023.37
09/03 4,617.87
09/04 5,487.22
09/05 6,625.72
09/08 7,357.72
09/09 7,901.72
09/10 9,833.72
I NEWS FROM CITIZENS
--IMPORTANT NOTICE/CHANGE IN TERMS
Effective November 1st, 2008, when you request a single copy of a check, document, or
statement, we will waive the $25 per hour / $25 minimum Research/Reconciliation Fee. All
other research or reconciliation requests will be subject to this fee.
--IMPORTANT NOTICE/CHANGE IN TERMS FOR ACCOUNTS THAT RECEIVE STATEMENTS QUARTERLY
Effective November 1, 2008 for accounts that receive statements on a quarterly basis, our
handling fee for certain court orders and legal processing will be $90 for each item that we
process against your account. This includes court orders, garnishments, attachments, tax
levies, executions, and similar types of legal process.
Gr
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
Municipal Checking w/lnterest
400407-654-3
o
Total Deposits & Credits
128,120.92
o
e
Total Interest Paid
73.56
Current Balance
125,339.56
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.
"") r'l . Describe the error and explain, if you can, why you believe there is an
8 /'~ I" )/! I;' C7..J. error. If you need more information, describe the item you are unsure
+ $ '-;0' _ -? I '0.......... about.
" Total of 2 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.
~., / \ 'i . , , While we investigate your question, we cannot report you as delinquent or take
Subtotal of 1 an~ 2' any action to collect the amount you question.
~~ 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
Jrl i1 G('J/;J f j
. ,,)/, ,;,.. 'f'
$ V'-" : /, .,
Current Balance
Your current balance on this statement
2
List deposits which do not appear on
this statement
Date
Amount
Date
Amount
3
8$
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
/) . #Ii '
..-.,{). J ,..,: /
G $ . ,o'! / , .'0 y
V Total of 4
8 13/707'\ t./ /1
= $ J.. 'jD~ / ./
Total
5
Subtract 4 from 3. This should match your
checkbook register balance
I .
'Ld'
! ,"
HJIC G)
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 SelVice 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
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 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.
Finance Charge Calculations for Overdraft Line of Credit Accounts
Based on Average Dally Balance Computation Method
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 ~ycle.
Calculating your Average Ooily 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.