The Real Bank Products & Services



FEDERAL ELECTRONIC FUND TRANSFER ACT DISCLOSURES

Federal and State banking laws, in particular, laws concerning negotiable instruments, deposit accounts, and how we treat activity of these accounts, govern much of our relationship with you. This section addresses electronic financial services. Various disclosures are discussed below. You may retain a copy for your records. If, at any time, you wish to have a copy mailed to you, please contact The Evangeline Bank & Trust Company, 497 West Main Street, P.O. Box 346, Ville Platte, Louisiana. The phone number is (337) 363-5541 or e-mail us at evangeline@therealbank.com.

IMPORTANT INFORMATION for our customers who have authorized electronic fund transfers:
The Federal Electronic Fund Transfer Act and regulations adopted there under provide that we disclose pertinent information to you about electronic fund transfers to or from your account. By electronic fund transfers, we mean transactions initiated by you through the use of your ATM (automated teller machine) card, preauthorized deposits to and/or preauthorized transfers, Visa Check Cards, Internet Banking Access, and 24-hour telephone banking system transfers from your account. Both ATM Cards and Visa Check Cards are available to individuals who have been customers of the bank for a minimum of 3 months and maintained a continuous average balance of $300.00 per month. ATM and Visa Check Cards are subject to cancellation if account balance becomes classed as Insufficient Funds or at the bank's discretion.

I. AUTOMATED TELLER MACHINES (ATMs), ATM CARDS, VISA CHECK CARDS, VISA CREDIT CARDS, INTERNET BANKING AND VOICE RESPONSE

  1. ATMS and ATM CARDS
    1. ACCESSING YOUR ACCOUNT - For any authorized account, you may use your card to:
      1. Withdraw a maximum cash amount of $310.00 from your checking or savings account if card is used at ATM Machine
      2. A maximum of $500.00 per day if card is used to make purchases
      3. Make checking or savings account inquiries
      4. Make checking or savings account transfers
      5. You will receive a written receipt at the time of withdrawal or transfer
  2. VISA CHECK CARD
    1. ACCESSING YOUR ACCOUNT - For any authorized account, you may use your card to:
      1. Point of Sale purchases up to $500.00 per day OR up to 10 purchases totaling $500.00 per day. Of the $500.00, $200.00 may be for cash advances
      2. Withdraw cash up to $310.00 per day if using this card at an ATM machine
      3. Make checking or savings account inquiries
      4. Make checking or savings account transfers
      5. You will receive a written receipt at the time of withdrawal or transfer
  3. *While you will not be charged to use your ATM/Visa Check card at one of this Bank's locations, you will be charged at another location. When using an ATM not operated by this bank, you will be charged $1.50 per withdrawal, transfer, or inquiry in addition to any fees charged by the owner of the ATM.
    *NO non-USA, non-pinned transactions will be allowed.

    Foreign Currency Conversion Rate Change
    Effective April 2, 2005, the rate used to convert Visa debit card transactions from foreign currency to U.S. dollars changed.

    Currency Conversion: A charge, when using your Visa Debit card at a merchant dealing in foreign currency, will be assessed to convert that transaction amount into the U.S. dollar amount. The rate used to convert that transaction amount into U.S. dollars is either:

    • A rate selected by Visa from a range of rates available in wholesale currency markets for the relevant central processing date. This rate may vary from the rate received by Visa; or
    • The rate, which is government-mandated, in effect for the relevant central processing date;
    • With each occurrence, plus 1%

    On the actual date of the transaction or the date of posting of the transaction, the rate for conversion in effect may differ from the rate on the processing date.
    Whether there is a conversion of currency associated with the transaction, all international transactions will be assessed a 1% adjustment.

  4. INTERNET BANKING

    You must have completed the Internet Banking application prior to performing your first online requested transaction.

    1. ACCESSING YOUR ACCOUNT - For any authorized account, you may use your PIN/Password to:
      1. Make checking, savings, CD and loan account inquiries
      2. View and print checking, savings, CD and loan account balances
      3. View and print a summary of transactions for each account
      4. Make checking and savings account transfer requests (cut off time 2:00 p.m.)
      5. Confirm deposits, withdrawals and cleared checks
      6. Make draw loan transfer requests (cut off time 2:00 p.m.)
      7. Make checking and savings account transfer requests for loan payments (cut off time 2:00 p.m.)
      8. Download transactions to electronic spreadsheet programs.
      9. Receive messages from this institution
      10. Bill Pay
      11. Check reorder
    2. LIMITATIONS
      1. This bank is not an Internet service provider
      2. Limitations on the frequency of withdrawals are based on the type of account accommodating the withdrawal
    3. RECEIPT FOR TRANSACTION

      If you wish to receive a receipt, you must call the main bank on the day following the transaction and request that the receipt is sent to you.

  5. VOICE RESPONSE
    Telephone Banking System-24 hour Banking
    Ville Platte Area
    337-363-5548
    Outside Ville Platte Area-Toll Free
    800-427-5548

    Voice response is a very convenient method of handling banking inquiries and certain services after hours. The first time that you "dial in", you will be required to establish a 4-6 digit PIN. If you decide that you will never want to use this service, you may select an "opt-out" option. To activate the "opt-out" option of this service, you must sign the proper document within the Customer Service Department at your bank's location.
  6. CUSTOMER LIABILITY

    Tell us AT ONCE if you believe that your Visa Debit Card, Visa Credit Card, ATM Cards or Personal Identification Number (PIN) has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You may be required to follow-up the initial telephone notification in writing.

    Notification is NOT in a Timely Manner:
    If you DO NOT tell us within two (2) business days after learning of the loss or theft of your access device, you will be responsible for up to $50 of the charges incurred within those business days AND up to a maximum of $500 of the unauthorized activity that occurred after the 2 business days after discovering the loss or stolen device and prior to notifying the bank.

    If you noticed the unauthorized charges on your statement, but did not realize that your card or PIN was lost or stolen, notify us immediately after the statement is mailed to you. If you fail to notify us within 60 days after the statement is mailed to you, your liability could be unlimited.

    1. ATM Card/VISA Check Card-Pinned Transactions
      Compromised
      Notification in Timely Manner:
      If you tell us within 2 business days after learning of the loss or theft of an access device, you will be responsible for the actual loss or $50 whichever is less.
    2. VISA Debit/VISA Credit Cards-Signature Transactions
      If you believe your Visa branded card, including the Visa Debit Card (used with a signature transaction), or the Personal Identification Number (PIN) used in connection with the cards or your Internet Banking Personal Identification Number (PIN) has been lost or stolen, you must notify us immediately. See your Cardholder Agreement for Non-Visa debit transaction information.
      Visa cardholders have Visa Zero Liability Protection.
      For unauthorized charges to your accounts, you have NO liability.
    3. Lost or Stolen Visa Debit Card/ATM Card/or Compromised PIN Numbers
      If your Visa Debit, ATM Card or PIN Number has been lost or stolen, contact your local branch during regular business hours. After business hours or on weekends call 1-800-264-5578.
    4. Lost or Stolen Visa Credit Card
      If you believe that any of your Visa Credit cards and/or PIN has been lost or stolen or that a transaction involving your account has been made without your permission, call 1-800-423-7503 immediately or contact your local branch office telephone numbers listed on the "Contact Us" page of this website.

If for any reason you wish to contact us, telephone us at the phone number given or write to us at the address given on the "Contact Us" page of this website.

II. ELECTRONIC FUNDS TRANSFERS BY PREAUTHORIZATION/AUTOMATED CLEARING HOUSE (ACH)

This bank processes all items received through the ACH network. These transactions include checks that have been converted to electronic items (E-Check Conversion).

  1. DOCUMENTATION OF TRANSFERS
    If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at the telephone number listed on the "Contact Us" page to find out whether or not the deposit has been made.

    If you have a savings account, you may bring your passbook to us and we will record any electronic transactions that were made on your account since the last time you brought in your passbook.

  2. RIGHT TO STOP-PAYMENT AFFECTING CONSUMER ACCOUNTS
    If you have authorized ACH debits to your account, you have the right to stop payment by contacting us at the phone number or address given below. We accept both verbal and written stop payments. Verbal stop payments are binding for 14 days and will lapse after the 14 day period if written confirmation is not received. A stop payment form must be signed and completed in such a manner as to allow us reasonable opportunity to act upon the item. The stop payment order will remain in effect (1) until the debit entry has been returned or where a stop payment order is applied to more than one debit entry under a specific authorization involving a specific originator, the return of all such debit entries or (2) until you withdraw the stop payment order, whichever occurs earliest. We will charge you $20.00 for each stop payment order.
  3. C. RIGHT TO RETURN UNAUTHORIZED ACH ENTRIES-CONSUMER ACCOUNTS
    If you have authorized ACH debits against your account, you have the right to revoke authorization. You may revoke authorization only by notifying the company (originator) in the manner specified in the authorization agreement. If an unauthorized transaction has posted to your account, tell us at once. We must be notified within sixty (60) days after we sent you the statement upon which the problem occurred. After signing a written statement of unauthorized debit stating that the item was unauthorized/improper at the time of presentment, you will then be given provisional credit. If a good reason (such as a long trip or hospital stay) kept you from telling us, we may extend the time period.
  4. NOTICE OF TRANSFERS VARYING IN AMOUNT
    If the preauthorized regular transfers from your account may vary in amount, the person you are going to pay should 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.
  5. HOW TO CONTACT US
    If you believe that a transaction involving your account has been made without your permission or if for any reason you wish to contact us, telephone us at the phone number or write to us at the address given on the "Contact Us" page of this website.

III. DISCLOSURES WHICH APPLY TO ALL ELECTRONIC FUND TRANSFERS

  1. PERIODIC STATEMENTS
    You will get a monthly account statement if there is electronic activity in a particular month. In any case, you will get a statement at least annually.
  2. ACCOUNT INFORMATION DISCLOSURE
    We will disclose information about your account or the transfers you make:
    1. When it is necessary to complete transfers, or
    2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or
    3. In order to comply with government agency or court orders, or
    4. If you give us your written permission.
  3. 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 IF:
    1. Through no fault of ours, you do not have enough money in your account to make the transfer.
    2. The transfer would go over the credit limit on your overdraft line, if any.
    3. Your account is frozen because of a court order or some similar reason.
    4. Circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
    5. The terminal has insufficient cash to complete the transaction request.
    6. There is a technical malfunction of which the cardholder was aware.
    7. There may be other exceptions stated in our agreement with you.
  4. ERROR RESOLUTION PROCEDURES
    In case of errors or questions about your electronic transfers:
    Telephone us or write us at the phone number or address given below, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed 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 problem or error appeared.
    1. Tell us your name and account number.
    2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it 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 to be received within 10 business days of the oral notice. We will tell you the results of our investigation within 10 business days (20 days if the transfer involved a point of sale (POS) transaction or a foreign initiated transfer) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days (90 calendar days, if the electronic fund transfer involves a point of sale transaction or foreign initiated transfer) to investigate your complaint or question. If we decided to do this, we will provisionally credit your account within 10 business days (20 business days for a new account) of receipt of the notice from you for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write us within (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. We must also tell you the name of anyone we report you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct.

      A special rule applies to new accounts. For the purpose of this rule, an account is considered a "new account" during the first 30 calendar days after it is established. It is not a new account, if the customer on the account has had, within 30 calendar days before the account is established, another account at the same institution of at least 30 calendar days. Claims of errors involving electronic fund transfer to or from a new account (including those for point of sale (POS) or foreign-initiated transactions) will be investigated within 20 business days, after receipt of the notice. If additional time is needed to complete the investigation, we may take 90 days to resolve the error. If we decide to do this, we will provisionally credit your account within 20 days of the receipt of the error notice.

      We will notify you within 2 business days after giving you provisional credit, of the amount and the date of the re-crediting. 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 re-credit your account. If we did make an error, we will correct the error, including refunding fees and charges imposed, not later than one (1) business day after the determination of the error and notify you within three (3) business days after concluding investigation. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation and debit your account for any funds provisionally credited to you. Upon debiting we will provide oral or written notice to you of the date and amount of the debiting. Furthermore, we will honor (without charge) checks, drafts, or similar paper instruments payable to third parties, and preauthorized transfers from your account for 5 business days after transmittal of notice to the extent that those items would have been honored if the provisionally re-credited funds had not been debited.

      You may ask for copies of the documents that we used in our investigation

IV. UNIFORM COMMERCIAL CODE ARTICLE 4 A

Notice of Provisional Payment
"Credit given by The Evangeline Bank & Trust Company to you with respect to an automated clearing house credit entry is provisional until The Evangeline Bank & Trust Company receives final settlement for such entry through a Federal Reserve Bank. If The Evangeline Bank & Trust Company does not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid you in the amount of such entry."

Notice of Receipt of Entry
Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account, The Evangeline Bank & Trust Company is not required to give next day notice to you of receipt of an ACH item and we will not do so. However, The Evangeline Bank & Trust Company will continue to notify you of the receipt of payments in the periodic statements we provide to you.

Notice of Choice of Law
The Evangeline Bank & Trust Company may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing Houses (ACH) and which are not subject to Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state of Louisiana as provided by the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account.

V. MAILING ADDRESS, TELEPHONE NUMBER AND BUSINESS DAY DISCLOSURE

  1. The mailing address for our Main Office: P. O. Box 346, Ville Platte, LA 70586.
  2. Our phone number is 337-363-5541
  3. Our fax number is 337-363-0678
  4. Our bank and all branch locations' business days are Monday through Friday, excluding holidays.

FUNDS AVAILABILITY POLICY DISCLOSURE

Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the effective date of the deposit. At this time, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. Funds accessed by ATM cards, debit cards, or Internet banking may have longer delays.

The Expedited Funds Availability Act and the portions of Regulation CC that implement expedited funds availability do not apply to our Savings accounts, Money Market accounts and Certificates of Deposit. The Bank reserves the right to place holds on Savings accounts, Money Market accounts and CDs at our discretion. Additionally, all consumer and business depositors are covered by The Expedited Funds Availability Act and the portions of Regulation CC that implement expedited funds availability.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and Federal holidays. If January 1, July 4, November 11, or December 25 fall on a Sunday, the next Monday is not a business day. If you make a deposit before 2:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 2:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

Longer Delays May Apply

In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $200 of your deposits will be available on the first business day.

If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

If you will need the funds from a deposit right away or you need to be sure when a particular deposit will be available for withdrawal, you should ask us.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

  • We believe a check you deposit will not be paid.
  • You deposit checks totaling more than $5,000 on any one day.
  • You redeposit a check that has been returned unpaid.
  • You have overdrawn your account repeatedly in the last six months.
  • There is an emergency, such as failure of communications or computer equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Special Rules for New Accounts

If you are a new customer, the following special rules may apply during the first 30 days your account is open. An account will be considered a new account if it has been open less than thirty (30) days and the owner of the account does not have other accounts with the bank that have been open more than thirty (30) days.

Funds from electronic direct deposits to your account will be available on the effective date of the deposit. Funds from deposits of cash, wire transfers and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a US Treasury checks) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.

Funds from all other check deposits may be available on the ninth business day after the day of your deposit.

Additional Information-Checks Drawn on Another Bank

If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately, but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that were described above for the type of check you deposited.

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check were cashed would have been available if you had deposited it.

Miscellaneous Information
Dishonored or returned incoming checks will be returned to the bank of first deposit by midnight on the following business day from the date it is received. On those greater than $2,500, we will notify the depository bank with the time and format set forth.

A notification will be made by phone or mail on checks deposited in the bank and returned for nonpayment. This notification will be by midnight of the banking day following the day the bank received the returned check or notice of nonpayment. A written notification will follow.

Checks placed in the twenty-four hour night depository will be removed on business days by 8:00 a.m. Same day settlement items will be settled or returned by the close of business on the day of presentment, without charging a presentment fee. Deliveries of items qualifying for same-day settlement occurring on a business day that is not a banking day are accepted. As paying bank, this bank will be accountable to the presenting bank for the amount of the check(s) unless settled for or returned by the close of business on its next banking day.

ADDITIONAL FEES & SERVICES

ATM Replacement Card
$10.00
Visa Debit Card Replacement Card
$10.00
Activity Printout of Account (per page)
$1.00
ACH Stop Payment/Account Alert
$20.00
Legal Processes which affect your account
 
(i.e. Garnishments, Citations, Tax Levy Fee, or other)
$30.00
Research, Statement Reconciliation, OFS Form 61 (per hour)
$20.00
minimum charge
$5.00
minimum charge
Copies of Researched Items
$2.50
Foreign Check Processing Fees
$15.00
Outgoing Wire Fees
 
Customer
$15.00
US Corresponding Bank International
$45.00
Non-US Bank International Foreign Currency
$50.00
Non-US Bank US Dollar International
$65.00
Fax Fees-First 2 pages (including cover page)
$3.00
Fax Fees-After second page (per page)
$0.50
30-Day Watch for blank checks lost
$20.00
Inquiry Charge
$2.00
Temporary Statement Charge
$2.00
Re-Direct Check Fee
$2.00
Oil & Mineral Collection (per draft)
$10.00
Non EBT ATM Service Charge Withdrawal/Inquiry
$1.50