Checking & Money Market Account Statement Disclosures


IMPORTANT INFORMATION ABOUT REVIEWING YOUR STATEMENT

You are responsible for promptly examining your statement each statement period and reporting and irregularities to us. The periodic statement will be considered correct for all purposes and we will not be liable for any payment made and charged to your Account unless you notify us in writing within certain time limits after the statement and checks are made available to you. We will not be liable for any check that is altered or any signature that is forged unless you notify us within thirty (30) calendar days after the statement is made available. Also, we will not be liable for any subsequent items paid, in good faith, containing an unauthorized signature or alteration by the same wrongdoer unless you notify us within thirty (30) calendar days after the statement is made available. If you have requested us to hold your Account statements, we have the right to mail your statements if you have not claimed them within thirty (30) calendar days.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS

Telephone us at 877-273-2265. Write us at One East Washington St., Suite #100, Phoenix, AZ 85004 or E-mail us at inquires@alliancebankofarizona.com as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on this statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

-Tell us your name and account number.
-Describe the error or the transfer your are unsure about, 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 (or 20 business days for a new account), 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.

METHODS USED TO DETERMINE THE BALANCE ON WHICH THE FINANCE CHARGE WILL BE COMPUTED.

Success Line and Overdraft Line – A daily FINANCE CHARGE will be imposed on all credit advances made under your Credit Line imposed from the date of each credit advance based on the “daily balance” method. To get the daily balance, we take the beginning balance of your Credit Line Account each day, add any new advances and subtract any payments or credits and any unpaid Finance Charges. The Average Daily Balance is and can be multiplied by the number of days in the billing cycle and the periodic rate to determine the amount of finance charges. The Annual Percentage Rate and Daily Periodic Rate may change for each billing cycle.

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 on a separate sheet of paper as soon as possible and mail to Alliance Bank of Arizona, Credit Support Dept., 2701 E Camelback Rd., Suite 110, Phoenix, AZ 85016. We must hear from you no later than 60 days after we send you your 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 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 in question.

NOTICE OF FURNISHING 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.

Savings Account Statement Disclosures


IN CASE OF ERRORS OR QUESTIONS INQUIRIES ABOUT YOUR ELECTRONIC TRANSFERS

Telephone us at 877-273-2265. Write us at One East Washington St., Suite 100, Phoenix, AZ 85004 or E-mail us at inquires@alliancebankofarizona.com as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on this statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

-Tell us your name and account number.
-Describe the error or the transfer you are unsure about, 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 you compliant and will correct any error promptly. If we take more than 10 business days to do this (or 20 business days for a new account), 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.

Visa Debit Card Annual Disclosure


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