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Reg E

    IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSACTIONS, PLEASE CALL US AT OUR PROCESSING CENTER 319-483-4833 OR WRITE US AT:

FIRST NATIONAL BANK, PO BOX 837, WAVERLY, IA 50677 

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 appeared.

(1) Tell us your name (and account number, if any.)

(2) Describe the error or 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.

(3) Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will tell you the results of our investigation within 10 business days (5 business days for SHAZAMChek card point-of-sale transactions and 20 business days in the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for SHAZAMCheck card point-of-sale transactions and 20 business days if the transfer involved a new 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 the investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer.

After we finish our investigation, we will notify you within 3 business days.

 

CURRENT CD RATES

APY as high as: Rate
15 Months 0.70%
36 Months Raise-a-Rate** 1.00%
60 Months 1.50%
Savvy Saver 24 Month (21 years and younger) 1.00%
Rates Subject to Change
SEE ALL CURRENT RATES

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