Disclosures

Disclosures

Electronic Transfers Disclosure

Electronic Transfers Disclosure
Electronic Transfers Disclosure

In Case of Errors or Questions about your Electronic Transfers

Telephone us at (402) 538-3025 or write us at P.O. Box 7, Bellwood, NE 68624 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 sixty (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 there 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 ten (10) business days to do this, we will recredit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation.

In Case of Errors About Your Ready Reserve Account

In Case of Errors About Your Ready Reserve Account
In Case of Errors About Your Ready Reserve Account

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 at the address located at on the front of the bill as soon as possible.  We must hear from you no later than sixty (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

Tell us 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 money 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.

We figure FINANCE CHARGE on your Account by applying the daily periodic rate to the "Average Daily Balance" of your account (including current transactions).  To get the "Average Daily Balance" we take the beginning balance of your account each day, add any new (purchase/advance/loans), and subtract any payments or credits, (and unpaid FINANCE CHARGES).  This gives us the daily balance.  Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle.  This gives us the "average daily balance".

The minimum periodic payment required is shown on the front of this bill.  You may pay off your Ready Reserve Account loan balance at any time, or make voluntary additional payments.  Payments shall be applied, first to any unpaid FINANCE CHARGE, and second to the principal loan balance outstanding in your Ready Reserve Account.  Periodic statements may be sent to you at the end of each billing cycle showing your Ready Reserve Account loan transactions.

Send payments and inquires to P.O. Box 7, Bellwood, NE  68624.

NOTE: Payments received after close of business shall be deemed received on the following business day for purposes of crediting your account.

Privacy Policy

Privacy Policy
Privacy Policy

Privacy Policy

Rev December 2010

FACTS

WHAT DOES BANK OF THE VALLEY DO
WITH YOUR PERSONAL INFORMATION?

 

 

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

 

 

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

-  Social Security number and income

  - account balances and payment history

-  credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

 

 

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Bank of The Valley chooses to share; and whether you can limit this sharing.

 

 

Reasons we can share your personal information

Does Bank of The Valley share?

Can you limit this sharing?

For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes—
to offer our products and services to you

Yes

No

For joint marketing with other financial companies

No

We don't share

For our affiliates’ everyday business purposes—
information about your transactions and experiences

No

We don't share

For our affiliates’ everyday business purposes—
information about your creditworthiness

No

We don't share

For nonaffiliates to market to you

No

We don't share

 

 

 

 

Questions?

Call 402-538-3025 or go to www.bankofthevalley.com

 

What we do

How does Bank of The Valley protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

 

How does Bank of The Valley collect my personal information?

We collect your personal information, for example, when you

-  open an account or deposit money

-  pay your bills or apply for a loan

-  use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

-  sharing for affiliates’ everyday business purposes—information about your creditworthiness

-  affiliates from using your information to market to you

-  sharing for nonaffiliates to market to you

State Law and individual companies may give you additional right to limit sharing.

 

 

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

-  Bank of The Valley has no affiliates

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

-   Bank of The Valley does not share with nonaffiliates so they can market to you

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

-  Bank of The Valley doesn’t jointly market