Untitled
~~ Citizens B,ank
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
Your current balance on this statement
/ d 5)
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Current Balance
2
List deposits which do not appear on
this statement
Date
7/7/)
II
Amount Date
Amount
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., "!
r:;:\$ cj j",' I () ()
\:..J Total of 2
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r:\s13 '-I 70 ->, ')<'
V Subtotal of 1 and 2
3
Subtotal by adding 1 and 2
4
List outstanding checks, transfers, debits,
pas purchases or withdrawals that do not
appear on this statement
Date/
Check No, Amount
Date/
Check No, Amount
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Total of 4
',1
!
5
Subtract 4 from 3. This should match your
checkbook register balance
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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 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 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 locatlOn 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 Daily 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 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 an)' unpaid finance charges or fees), add any
new Overdraft Line of Credit transactlOns 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.
Total
Citizens Bank is a division of RBS Citizens, NA Citizens Bank of Pennsylvania is
a separate bank and not part of RBS Citizens, N ,A,