NOTICE: The Bank of San Angelo will never call and ask you for your debit card number, PIN, or Social Security number. We will not call you to activate your debit card number. If you receive a phone call or email asking for any of this information, please contact the Bank immediately at (325) 947-8400
Returned Item Fee
Overdraft Fee
Wire Transfers-Outgoing Customer
Wire Transfers-Outgoing International
Stop Payment
Statement Research (per hour)
Instant Statements
Photocopies (plus tax)
Cashier's Check - Club Member
Cashier's Check - Non-Club Member
Cashier's Check - Non-Customer
Internet Banking Services
Internet Banking Bill Pay (per month)
* - $5.95 per month includes 15 transactions per month; $.55 per transaction, thereafter.
Check
Cashing Fee for non-account holders: The greater
of 1% of the amount of the check or $5.00
Automatic Funds Transfer
We can make your loan payments automatically from your
checking/savings account each month. Also, we can assist
you with your personal finances by transferring from one
checking/savings account to another on a regular basis
or as needed basis.
Direct Deposit
Your monthly Social Security, SSI, VA, payroll and
retirement checks can be sent to the bank and deposited
directly into your account.
Bank by Mail
Making your deposits or note payments by mail is convenient
for both customer and bank.
Fax Service
Incoming - $5.00
per page plus sales tax Outgoing -
$10.00 per page plus sales tax
Safe Deposit Boxes
Size
Annual
3x10
30.00
5x10
40.00
10x10
60.00
Based
on box availability. $5.00 is charged for key replacement.
US Savings Bonds
After December 31, 2011, the U.S. Department of Treasury will end sales of paper Series EE and I Savings Bonds through over-the-counter channels, including financial institutions and mail-in orders. You can purchase, manage, and redeem savings bonds at www.treasurydirect.gov.
Night Depository
24 hour access
Telebanking
You
Can Bank With Us
24 Hours A Day!
The
Bank of San Angelo's Telephone Easy Account Manager (TEAM)
is your connection to the bank, giving you immediate access
to the information you need most often. With TEAM, you can
quickly and easily:
Make
account balance inquiries.
Determine
the last five transactions on your account.
Verify
deposit and check transactions.
Verify
interest paid and earned during tax time.
Attain rate information.
Transfer
money between accounts
Using
TEAM
Before
using TEAM, make sure you have your account number(s)
handy. This number appears at the top of your statement
or the bottom of your check. Also have your Personal
Identification Number (PIN) available. The first time
you call, your PIN will be the last four digits of the
social security or tax ID number of the name that appears
first on your account. You will then be instructed to
change your PIN to a new four digit number that only
you know.
Call
(325) 365-5570 from any touch tone phone. Some
phones have a tone or pulse button. Please make
sure yours is on the tone mode.
Wait
for the greeting, then follow the simple instructions
given to you over the phone. You will be offered
a series of menu selections from which to choose.
To access these selections from the
Opening Menu, simply press the
corresponding number(s) on your telephone.
For
account information and funds transfer, press 1.
For
rate and product information, press 2.
For
instruction on how to use this system, press 3.
If
you are a merchant calling for check verification, press 4.
For
the community bulletin board, press 5.
To
repeat this menu, press 9.
Account
Information and
Funds Transfer Menu
To access these selections, simply press the corresponding
number(s) on your telephone when prompted by TEAM
For
information on checking and money market accounts, press
1.
For
information on saving accounts, press 2.
For
information on loans accounts, press 3.
For
information on CDs and IRAs, press 4.
To
transfer funds, press 5.
To
return to the previous menu, press 8.
To
repeat this menu, press 9.
To
speak with a customer service representative, press
0.
Loans
The Bank of San Angelo is an innovative lender, providing
loans to businesses, farmers, ranchers, and consumers.
Automobile loans
Real Estate loans
Business loans Mortgage Loans
Personal loans
Home Improvement loans
Boat/RV loans
Agriculture loans
Credit
life and accident and health insurance may be added to
consumer loans to provide additional financial security.
Your
Rights and Responsibilities
Indicated below are types of Electronic Fund Transfers
we are capable of handling, some of which may apply
to your account. Please read this disclosure carefully
because it tells you your rights and obligations for
the transactions listed. You should keep this notice
for future reference.
Types
of Transfers and Limitations
You have arranged for us to accept certain direct deposits
and/or pay certain recurring bills from your account.
Transfers from a money market deposit account are limited
to 6 pre-authorized, automatic or third-party transfers
per monthly statement cycle. Transfers from a savings account to another
account or to third parties by pre-authorized or automatic
transfer are limited to 6 per monthly statement cycle.
Cost
We do not charge for direct deposits to any type of
account. We do not charge for preauthorized withdrawals
from any type of account, unless you exceed the transfer
restrictions on the money market account and/or savings
account. Then there will be a charge of $5.00 per excessive
transaction.
Stop Payment Procedure & Notice of Varying
Amounts.
Right
to stop payment and procedure for doing so. If you
have told us in advance to make regular payments out
of your account, you can stop any of these payments,
Simply call or write us in time for us to receive
your request 3 business days or more before the withdrawal
is scheduled to be made. If you call, we may also
require you to put your request in writing and get
it to us within 14 days after your call.
Notice
of varying amounts. If these regular payments may
vary, the person you are going to pay will tell you,
10 days before each payment, when it will be made
and how much it will be. (You may choose instead to
get this notice only when the payment would differ
by more than a certain amount from the previous payment,
or when the amount would fall outside certain limits
that you set).
Liability
for failure to stop payment of preauthorized transfer.
If you order us to stop one of these payments 3 business
days or more before the transfer is scheduled, and we
do not do so, we will be liable for your losses or damages.
Disclosure of Account Information to Third Parties.
We
will disclose information to third parties regarding
your account or the transfers you make:
when
it is necessary for completing transfers,
in order to verify the existence and condition of
your account for a third party, such as a credit
bureau or merchant,
in order to comply with a governmental agency or
court orders, or
as described in our privacy policy disclosure.
Unauthorized
Transfers and Liability Disclosures
If your statement shows transfers that you did not make
or authorize, tell us at once. If you do not tell us within
60 days after the statement was mailed to you, you may
not get back any money you lost after the 60 days, if
we can prove that we could have stopped someone from taking
the money if you had told us in time. If a good reason
(such as a long trip or a hospital stay) kept you from
telling us, we will extend the time period. Address and telephone number. If you believe that
someone has transferred or may transfer funds from your
account without your permission, call us at
(325) 947-8400
or write to us at
P.O.
Box 62000
San Angelo, Texas 76904
Error
Resolution.
In case of errors or questions about your electronic transfers,
call or write us as soon as possible if you think your
statement or receipt is wrong or if you need more inforn1ation
about a transfer listed on the statement or receipt. We
must hear from you no later than 6p days after we sent
you the FIRST statement on which the error or problem
appeared. Include in the correspondence the following
information: (1) Your name and account number (if any),
(2) describe the error/transfer you are unsure about and
explain why you believe it is in error and why you need
more information and (3) dollar amount of the suspected
error.
If you contact us orally, we may require that you send
us your complaint or questions in writing within 10 business
days. We will tell you the result of our investigation
within 10 business days (20 business days if 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 foreign-initiated
transfer) to investigate your complaint or questions.
If we decide to do this, we will credit your account within
10 business days (20 business days if the transfer involved
a new account) for the amount you think is in error, so
that you have the use of the money during the time it
takes us to complete our 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. If we decide that there was no error, we
will send you a written explanation within 3 business
days after we finish our investigation. You may ask for
copies of the documents that we used in our investigation.
Liability for Failure to Make Transfers If
we do not complete a transfer to or from your account
on time or in the correct amount according to our agreement
with you, we will be liable for your losses or damages.
However, there are some exceptions. We will NOT be liable
for instance:
If through no fault of ours, you do not have the funds
available in your account to make the transfer.
If
circumstances beyond our control (such as flood or fire)
prevent the transfer despite reasonable precautions
that we have taken.
There
may be other exceptions stated in our agreement.
