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STATEMENT OF BILLING RIGHTS

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

 

In Case of Errors or Questions About Your Electronic Transfers.  Telephone or Write us at the phone number or address at the bottom of this statement 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 or problem appeared.

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

(2) Describe the error or the 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.

We will investigate your complaint and will correct any error promptly.  If we take more than 10 business days to do this, we will credit your 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 our investigation.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at the address at the bottom of this statement.  In your letter, give us the following information

Account information: Your name and account number.
   Dollar amount: The dollar amount of the suspected error.
                 
Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 

You must contact us within 60 days after the error appeared on your statement.

You must notify us of any potential errors in writing.  You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

While we investigate whether or not there has been an error, the following are true:

   We cannot try to collect the amount in question, or report you as delinquent on that amount.

 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.

 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.


 We can apply any unpaid amount against your credit limit.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.  To use this right, all of the following must be true:

1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)

2. You must have used your credit card for the purchase.  Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address at the bottom of this statement.  While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision.  At that point, if we think you owe an amount and you do not pay we may report you as delinquent.

 

First International Bank & Trust

PO Box 607

Watford City, ND  58854

1-800-359-8092

 

Revised 03-2011


 
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First International Bank & Trust © 2014
100 North Main
Watford City, North Dakota 58854
1-800-359-8092 webmaster@firstintlbank.com
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