Privacy Policy

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Other Information

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

NOTICE: By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account/IOLTA) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC).

Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. For more information about FDIC insurance coverage of noninterest-bearing transactions accounts, visit:
https://www.fdic.gov

CALCULATING FDIC INSURANCE COVERAGE

You can go to www.fdic.gov where you will find an FDIC insurance calculator tool.

SUBSTITUTE CHECK POLICY

Substitute Checks and Your Rights

Important Information About Your Checking Account

What Is a Substitute Check?

To make check processing faster, federal law permits banks to replace original checks with "substitute checks." These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. You can use it the same way you would use the original check." You may use a substitute check as proof of payment just like the original check.

Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions.

What Are My Rights Regarding Substitute Checks?

In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).

The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.
If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim.

We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.

How Do I Make a Claim for a Refund?

If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at Riddell National Bank, 1 East National Avenue, Brazil, IN 47834 – 812.448.2611. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.

Your claim must include the following information:

• A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect)
• An estimate of the amount of your loss
• An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss
• A copy of the substitute check and the following information to help us identify the substitute check:
  • check number;
  • name of person to whom you wrote the check;
  • the amount of the check; and
  • the date of the check.

UNLAWFUL INTERNET GAMBLING NOTICE

In compliance with the Unlawful Internet Gambling Enforcement Act of 2006 (UIGEA) and implementing regulations (Regulation GG) issued by the Board of Governors of the Federal Reserve System and the United States Department of Treasury, certain transactions are prohibited within your account. Our financial institution is required to notify our commercial customers of this prohibition.

"Unlawful Internet gambling" is defined in UIEGA as placing, receiving, or otherwise knowingly transmitting a bet or wager by any means which involves the use, at least in part, of the Internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received, or otherwise made.

Regulation GG prohibits restricted transactions in your account. "Restricted transactions" are defined in Regulation GG to be transactions in which funds are knowingly accepted by gambling businesses in connection with participation by others in unlawful Internet gambling. Restricted transactions are prohibited from being processed through any account you hold with our institution. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, debit card or credit card transactions, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling. Internet gambling will generally be considered to be unlawful unless verifiable authorization is obtained by an appropriate State or Tribal authority.

We may block or reject any restricted transactions or close any account we believe is in receipt of such transactions. If this doesn't apply to your business, no action is required. Contact us for further details.

WHAT TO DO IF YOU CANNOT RESOLVE A COMPLAINT WITH A NATIONAL BANK

If you have a complaint about a national bank and cannot resolve it with the institution, contact the Office of the Comptroller or the Currency (OCC) Customer Assistance Group at 1-800-613-6743 or customer.assistance@occ.treas.gov.

Bank Regulator

Office of the Comptroller of the Currency
Communication Division
Washington, DC 20219
202-874-4700

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two ways:

1. We have standard overdraft practices that come with your account.
2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

• What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

• ATM transactions
• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charges if Riddell National Bank pays my overdraft?

Under our standard overdraft practices:

• We will charge you a few up to $39 each time we pay an overdraft.
• Also, if your account is overdrawn we will charge an additional $5 per day.
• There is limit of $200 per day on the total fees we can charge you for overdrawing your account.

What if I want Riddell National Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call 812-448-2611, visit our website at riddellonline.com or complete the form below and present it at a branch or mail it to:

Riddell National Bank
1 E. National Ave.
Brazil, In. 47834
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
___ I do not want Riddell National Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions.
___ I want Riddell National Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions.
Print Name: _____________________
Date: ___________________________
Account Number: _________________

 

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Online Privacy

Generally

When you use Internet banking to apply for one of our products or services, or sign up for an online service, such as bill payment, we will request information, such as your e-mail address or your account number. This information allows you to perform certain tasks (e.g., correspond with us or review your accounts) and it allows us to provide the information you requested. In these cases, we collect only the information necessary to interact with you. We also gather data to track Web site usage, such as number of hits, pages visited, and the length of user sessions, in order to evaluate the usefulness of our sites. This information is not specific to your personally identifiable financial information.

Online Tracking and Advertising

Cookies
A cookie is an element of data that a Web site can send to your browser, which may then be stored on your system. A cookie does not retrieve any data from your hard drive, carry computer viruses, or capture your e-mail address. Cookies help Web sites to keep track of user preferences and to recognize return visitors. So, when you return to a Web site you’ve visited before, your browser gives this data back to the server.

We use cookies to make your online experience with us a more focused one based on the products and services you have with us. We also use cookies for various purposes, such as maintaining continuity during an online session, gathering data about the use of our site, or monitoring our online promotions. This information helps us inform you about additional products, services, or promotions that may be of interest to you.

You can set your browser to reject cookies. However, if you choose to reject cookies, you cannot bank online with us. If your browser rejects cookies, you may not be able to sign on to your favorite sites or use the features you like most within those sites.

Pixel and Google Analytics
We utilize pixel and Google analytics to collect web site usage and trends without obtaining information to identify specific users. This information is provided to us through the use of web beacons embedded in our web site’s code.

To learn more about pixel, including how to opt out, visit www.aboutads.info/choices.

To learn more about Google analytics, including how to opt out, visit https://tools.google.com/dlpage/gaoptout.

Links on Our Website 
We may provide links to sites outside of our Web site to alert you to products, information, and services offered by third parties. These links are provided as a courtesy to give you access to information that may be of interest to you, and may be to both the private and public sector Web sites. Although we will only provide links to sites we believe are reputable, we do not make any representations concerning the linked sites’ contents or availability. Please note that linked sites may have different privacy and information security policies than Riddell National Bank. You should review each site’s privacy and information security policies carefully before you enter confidential information onto the site. 

Children’s Online Privacy Protection Act
The Children’s Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to web sites and services directed to, and which knowingly collect information from, children under the age of 13. Riddell National Bank web sites and online services are not directed to children under the age of 13, nor is the information knowingly collected from them. For additional information on COPPA protections, link to the Federal Trade Commission’s web site at consumer.ftc.gov/identity-theft-and-online-security/online-privacy-and-security.