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HomeMy WebLinkAboutHuntington 01400318649 Jan 2014THE HUNTINGTON NATIONAL BANK PO BOX 1558 EA1 W37 COLUMBUS OH 43216 -1558 CITY OF CARMEL 1 CIVIC SQ CARMEL IN 46032 -2584 X111111111 +1IILL1111111w111111111 11111111111111111111111111 Business Premier MMA Public Funds Account oe Huntington Account: 01400918649 Statement Activity From: 01/01/14 to 01/31/14 Days in Statement Period 31 Average Ledger Balance* Average Collected Balance* 408,030.45 408,030.45 * The above balances correspond to the service charge cycle for this account. Beginning Balance Credits 1 +) Interest Earned Debits ( —) Regular Checks Paid Ending Balance Average Percentage Yield Earned this period 0. 150% Interest paid last year $673.44 Other Credits ( +) $409,261.04 51.98 51.98 1,734.00 1,734 00 $407,579.02 Have a Question or Concern? Stop by your nearest Huntington office or contact us at 1 -800- 480 -2001 www.huntington.com/ businessresources Account: 01400918649 Date Amount Description 01/31 51.98 INTEREST PAYMENT Checks ( -) Account: 01400918649 Date Amount Check # 01/10 1,734.00 4235222 Date Amount Check # ( *) Indicates the prior sequentially numbered check(s) may have 1) been voided by you 2) not yet been presented 3) appeared on a previous statement or 4) been included in a list of checks. Balance Activity Account: 01400918649 Date Balance 12/31 409,261.04 Date 01/10 Balance 407,527.04 Date Balance 01/31 407,579 02 Investments are offered through the Huntington Investment Company, Registered Investment Advisor, member FINRA /SIPC, a wholly -owned subsidiary of Huntington Bancshares Inc. The Huntington National Bank is Member FDIC. 10) ® and Huntington o are federally registered service marks of Huntington Bancshares Incorporated. 02014 Huntington Bancshares Incorporated. Statement Period from 01/01/14 to 01/31/14 Page 1 of 2 1 IIVISEENSIN In the Event of Errors or Questions Concerning Electronic Fund Transfers (electronic deposits, withdrawals, transfers, payments, or purchases), please call either 1 -614 -480 -2001 or call toll free 1- 800 -480 -2001, or write to The Huntington National Bank Research - EA4W61, P.O. Box 1558, Columbus, Ohio 43216 as soon as you can, if you think your statement or receipt is wrong or if you need more information about an electronic fund 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, your business's name (if appropriate) and the Huntington account number (if any). 2. Describe the error or the transaction 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 or question and will correct any error promptly. Verification of Electronic Deposits If you authorized someone to make regular electronic fund transfers of money to your account at least once every sixty days, you can find out whether or not the deposit has been received by us, call either 1- 614 -480 -2001 or call toll free 1- 800 -480 -2001. Balancing Your Statement - For your convenience, a balancing page is available on our web site https:// www. huntington .com /pdf/balancing.pdf and also available on Huntington Business Online. Statement Period from 01/01/14 to 01/31/14 Page 2 of 2 01400918649 01 01 000 00 N N N EMT5 01 013 013 00093 042217 52545 THE HUNTINGTON NATIONAL BANK PO BOX 1558 EA1W37 COLUMBUS OH 43216 -1558 CITY OF CARMEL 1 CIVIC SQ CARMEL IN 46032 -2584 1111.111111111111111111111111111111111111111111111111111111111111 Huntington Business Premier MMA Public Funds aN��D HEM Account: 01400918649 Statement Activity From: 05/01/14 to 05/31/14 Days in Statement Period 31 Average Ledger Balance* Average Collected Balance* 757,041 37 757,041.37 * The above balances correspond to the service charge cycle for this account. Beginning Balance Credits ( +) Interest Earned Debits ( —) Regular Checks Paid Other Debits Ending Balance Average Percentage Yield Earned this period 0.150% Other Credits ( +) $975,307.45 96.45 96.45 295,620.20 1,572.20 294,048.00 $679,783.70 Have a Question or Concern? Stop by your nearest Huntington office or contact us at 1- 800 - 480 -2001 www.huntington.com/ businessresources Account: 01400918649 Date Amount 05/30 96.45 Checks ( -) Description INTEREST PAYMENT Account: 01400918649 Date Amount 05/30 1,572 20 Check # 4235207 Date Amount Check # ( *) Indicates the prior sequentially numbered check(s) may have 1) been voided by you 2) not yet been presented 3) appeared on a previous statement or 4) been included in a list of checks. Other Debits ( -) Account: 01400918649 Date Amount Description 05 /09 294,048.00 CITY OF CARMEL 73438.18 FUND Investments are offered through the Huntington Investment Company, Registered Investment Advisor, member FINRA/SIPC, a wholly -owned subsidiary of Huntington Bancshares Inc. The Huntington National Bank is Member FDIC. el ® and Huntington ® are federally registered service marks of Huntington Bancshares Incorporated. ©2014 Huntington Bancshares Incorporated. Statement Period from 05/01/14 to 05/31/14 Page 1 of 2 OMMEIMM Balance Activity Account: 01400918649 Date Balance 04/30 975,307.45 Date 05/09 Balance 681,259.45 Date Balance 05/30 679,783.70 In the Event of Errors or Questions Concerning Electronic Fund Transfers (electronic deposits, withdrawals, transfers, payments, or purchases), please call either 1-614 -480 -2001 or call toll free 1- 800 -480 -2001, or write to The Huntington National Bank Research - EA4W61, P.O. Box 1558, Columbus, Ohio 43216 as soon as you can, if you think your statement or receipt is wrong or if you need more information about an electronic fund 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, your business's name Of appropriate) and the Huntington account number (if any). 2. Describe the error or the transaction 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 or question and will correct any error promptly. Verification of Electronic Deposits If you authorized someone to make regular electronic fund transfers of money to your account at least once every sixty days, you can find out whether or not the deposit has been received by us, call either 1-614 -480 -2001 or call toll free 1 -800 -480 -2001. Balancing Your Statement - For your convenience, a balancing page is available on our web site https:// www. huntington .com /pdf/balancing.pdf and also available on Huntington Business Online. Statement Period from 05/31/14 to 05/31/14 Page 2 of 2 01400918649 01 03 000 00 N N N EMT5 01 025 025 00071 035119 115196 oN�ID tin ton IMPORTANT INFORMATION ABOUT YOUR BUSINESS CHECKING, MONEY MARKET, and SAVINGS ACCOUNT(s) and ONLINE BANKING SERVICE(s) We have made important changes to your checking, savings, money market account(s) and your Online Banking Service(s) as described in this notice. Please retain this document for your records. Unless otherwise specified, the changes are made as part of your Agreement and Disclosure of Account Terms and Rules & Regulations for Business Checking, Savings, and Money Market Account(s) (the "Agreement "), the Schedule of Business and Commercial Deposit Account Charges or Schedule of Business Banking Deposit Account Charges (the "BAC Form "), the Funds Availability Policy (the "FAP "), the Online Access Agreement and Disclosure Statement, the Bill Pay Agreement and Disclosure Statement, and the PC Banking Access Agreement and Disclosure Statement. All changes are effective as of July 28, 2014. If you have questions or would like a complete copy of one or more of the documents referenced simply visit your local Huntington office, call your Banker or call 1- 800 - 480 -BANK (2265) to speak to a Customer Service Center Specialist, anytime 24/7. 1) The following changes are made to the Agreement: a) The following sentence is added after the first sentence under the section "Withdrawals ": Transfers from your account are withdrawals. b) The following sentence is added after the third sentence under the section "Fees and Charges ": We will not charge an Overdraft Fee for fees and charges assessed into overdraft. c) The sections "Timing of Transactions ", "Overdrafts ", and "Processing Order Of Items To Be Paid Or Debited" are replaced in their entirety with the following, and a new section "Special Rules for Pending Transactions" has been added between the sections "Overdrafts" and "Processing Order Of Items to Be Paid or Debited ": TIMING OF TRANSACTIONS We will treat each deposit and withdrawal as having been made on the day we post it to your account. We may treat any deposit or withdrawal made on a day that is not a business day (such as Saturdays, Sundays, and holidays, even if we are open on those days) or after our cut -off time on any business day as if made on our next business day. OVERDRAFTS We may pay a check, draft, or other item, or allow an in- person withdrawal, ATM withdrawal, or withdrawal or trasfer by . other electronic means, or debit fees posted to your account even if this creates an overdraft. We may charge you a fee if this occurs. However, we have no obligation to allow an overdraft on your account, you have no right to overdraw your account, an d no course of dealing, usage of trade, or bank policy or procedure establishes a right for you to overdraw your account. You can avoid having insufficient funds in your account if you practice good account management and maintain sufficient available funds in your account to cover all transactions to be paid or debited from your account. In figuring if you have sufficient available funds, you need to take into consideration all of your transactions, including those which may not yet have been presented to us for payment or settlement. Examples of such transactions are checks, withdrawals, transfers, purchases, payments or other debits. Special rules may apply for certain pending transactions (see "Special Rules for Pending Transactions" below). Transactions affecting your account are presented to us all during the business day. We do not completely know all transactions that will be presented for any given business day until we finish processing after the end of that business day. Thus, during the business day, only you know all of your transactions that may affect your account balance for that business day. If we allow an overdraft on your account, you must pay us immediately for the amount of the overdraft and any fees we charge in connection with the overdraft. If we return the item or entry, you must pay us any fees we charge in connection with returning it. By making or allowing deposits to your account, you agree that we may use such deposits to reduce or eliminate any overdraft balance in your account, including, but not limited to, any fees in connection with any overdraft or return of any transaction. We will not be responsible for damages or wrongful dishonor if any transaction is returned or otherwise not paid because your account does not have enough funds. SPECIAL RULES FOR PENDING TRANSACTION Certain transactions, such as debit card purchases and ATM transactions, have a two -step process that can affect availability of funds in your account to pay other items. These transactions usually first have an electronic authorization request, which is followed on the same day or in the next few days by an electronic request for settlement. The amount of the authorization request may not be available to cover other transactions pending final settlement. This can cause other transactions to be returned unpaid or to overdraw your account. However, we will not charge an Overdraft Fee or a Return Fee if there would have been enough available funds in your account but for the pending authorization request. However, if we return other transactions unpaid, that may have other adverse consequences for you, such as fees charged by the payee of the returned transaction. When the debit card purchase or ATM transaction is finally settled, it can cause your account to overdraw if there are not enough funds in your account at the time of settlement. This may cause an Overdraft Fee. Consider the following example: Assume you start the day with an account balance of $50, during the day you make a debit card purchase of $35 that we authorize as a pending transaction. Later that day a check for $30 you wrote a few days ago is presented to us for payment. The pending debit card authorization reduces the available funds in your account to $15, which is not enough to pay the $30 check. We may, depending on criteria we establish, do one of the following: o Return the check, but not charge you a return fee, since there would have been enough in your account to pay the check, except for the $35 pending debit card authorization. (If the check had been for $55 - more than your account balance - and we returned it, we would charge you a Return Fee.) If we return the $30 check, assuming no other transactions, your account balance on the next business day (without considering the $35 pending debit card authorization) will still be $50.1f the $35 debit card purchase is presented to us for final settlement on that next business day, it would reduce your account balance to $15 and your account would not be overdrawn. ® Pay the check and not charge you an Overdraft Fee, since there would have been enough in your account to pay the check, except for the $35 pending debit card authorization. (If the check had been for $55 - more than your account balance- and we paid it, we would charge you an Overdraft Fee.) If we pay the $30 check, assuming no other transactions, your account balance on the next business day (without considering the $35 pending debit card authorization) will be $20. If the $35 debit card purchase is presented to us for final settlement on that next business day, generally we are required to pay it under debit card network rules. However that will cause your account to overdraw ($20 minus $35) and your account balance will be negative $15. In that case, we will charge an Overdraft Fee. We will not be responsible for damages or wrongful dishonor if any item or transaction is not paid because there is not enough available money in your account resulting from these procedures. Processing Order of Items To Be Paid Or Debited The law allows us to establish the processing order for all items presented for payment from your account and all other debits posted -to your account. We establish the processing order in our sole discretion. We may - change that -order time to time, or we may vary the order on a case -by -case basis, without notice to you. If there is not enough available funds in your account to cover all items to be paid or debited from your account on a given day, the processing order we establish will determine which items we are able to pay or debit from available funds. You will be responsible for the payment of any Insufficient funds /Return Fees, Overdraft Fees, or other fees which are imposed for items we pay or debit which overdraw your account or for items we return unpaid. See the Schedule of Business Banking Deposit Account Charges, Schedule of Business and Commercial Deposit Account Charges, or Schedule of Compensating Balance Account Charges for applicable fees. The processing order we use may result in higher or lower total fees than other methods which we might have used, depending on the size, number and type of items and other factors. The processing order can also affect which transactions overdraw your account or are returned/denied, as well as the amount of related Overdraft Fees and Return Fees we charge you. 2) The following sentence is added to the BAC Form in the section "Other Miscellaneous Fees" under the line item "Overdraft 01400918649 02 03 000 00 N N N EMT5 01 025 025 00071 035119 115197