Common Contracts
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Citizens Savings Bank Checking Disclosure AgreementJune 22nd, 2020
Important Information Agreement The current practice of Citizens Savings Bank (CSB) when processing checking account items each evening is by transaction type in the following order: ATM withdrawals, debit card transactions, pre- authorized debit transactions, telephone-initiated transfers, other electronic transactions and paper- based checks or drafts. Within transaction types, items are processed by item sequence, which would be the earliest date/time for electronic items and check or draft number order for paper-based items. For example, if we receive two of your checks for payment and you make a signature debit card transaction the same day; these items will be processed against your account balance that evening, first the debit card transaction and then the two checks, in check number order. Your account balance is adjusted downward as each item is processed for the amount of the item. A non-sufficient fund/overdraft fee (currently $35.00) will be charged for each item if the amo
