Electronic Funds Transfer | New Tripoli Bank
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Electronic Funds Transfer

The Electronic Fund Transfers we are capable of handling for consumers are indicated below, some of which may not apply to your account. Some of these may not be available at all terminals. Please read this disclosure carefully because it tells you your rights and obligations for these transactions.

Types of Transfers, Frequency & Dollar Limitations

(a) Prearranged Transfers.

  • Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking and/or savings account(s).
  • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking and/or savings account(s).

(b) Telephone Transfers. You may access your account(s) by telephone at 1-800-396-6137 using a touch tone phone, your account numbers, and Personal Identification Number (PIN) to:

  • Transfer funds from checking to savings
  • Transfer funds from savings to checking
  • Transfer funds from checking to checking
  • Transfer funds from savings to savings
  • Make payments from checking to loan accounts with us
  • Make payments from savings to loan accounts with us
  • Get checking account(s) information
  • Get savings account(s) information

(c) ATM Transfers. You may access your account(s) by ATM using your ATM or Debit Card and personal identification number to:

  • Make deposits to checking accounts
  • Make deposits to savings accounts
  • Get cash withdrawals from checking accounts. You may withdraw no more than $300.00 per day per ATM card
  • Get cash withdrawals from savings accounts. You may withdraw no more than $300.00 per day per ATM card
  • Transfer funds from savings to checking
  • Transfer funds from checking to savings
  • Transfer funds from checking to checking
  • Transfer funds from savings to savings
  • Make payments from checking account to loan accounts with us
  • Make payments from savings to loan accounts with us
  • Get checking account(s) information
  • Get savings account(s) information
  • Get cash withdrawals from checking or savings accounts.  You may withdraw no more than $500.00 per day per debit card

(d) Point-of-Sale Transactions. Using your card:

  • You may access your checking account to purchase goods (in person, by phone, or by computer), pay for services (in person, by phone, or by computer), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept.
  • You may not exceed more than $1,500.00 in transactions per day per Consumer debit card.
  • You may not exceed more than $2,500.00 in transactions per day per Business debit card.

(e) Computer Transfers. You may access your account(s) by computer by logging on to www.newtripolibank.net and using your user ID and password to:

  • Transfer funds from checking to savings
  • Transfer funds from savings to checking
  • Transfer funds from checking to checking
  • Transfer funds from savings to savings
  • Make payments from checking to loan accounts with us
  • Make payments from savings to loan accounts with us
  • Make payments from checking to third parties (bill pay)
  • Get checking account(s) information
  • Get savings account(s) information
  • Transfer funds to/from your line of credit from/to your checking and savings accounts
  • Get loan account information

(f) Mobile Banking Transfers. You may access your account(s) by web-enabled cell phone by logging on to www.newtripolibank.net and using your user ID and password to:

  • Transfer funds from checking to savings
  • Transfer funds from savings to checking
  • Transfer funds from checking to checking
  • Transfer funds from savings to savings
  • Make payments from checking to loan accounts with us
  • Make payments from savings to loan accounts with us
  • Make payments from checking to third parties (bill pay)
  • Get checking account(s) information
  • Get savings account(s) information
  • Transfer funds to/from your line of credit from/to your checking and savings accounts
  • Get loan account information

(g) Electronic Fund Transfers Initiated by Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in several ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). ln all cases, these third-party transfers will require you to provide the third party with your account number and financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your financial institution and account information (whether over the phone, the internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to:

  • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or bills. You may make payments by electronic check from checking.
  • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic fund transfer to collect a charge in the event a check is returned for insufficient funds. You may make electronic payment of charges for checks returned for insufficient funds from checking.

General Limitations

In addition to those limitations on transfers elsewhere described, if any, the following limitations apply:

  • Transfers or withdrawals from a savings or money market account to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party, are limited to 6 per month, 0 transfers by check, draft debit card, or similar order to third parties. If you exceed the transfer limitations set forth above, your account shall be subject to closure.

Fees

We do not charge for Electronic Funds Transfers.

ATM Operator/Network Fees: When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Documentation

(a) Terminal Transfers. You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal. You may not get a receipt if the amount of the transfer is $15 or less.

(b) Preauthorized Credits. 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 below to find out whether or not the deposit has been made.

(c) In addition, you will get a monthly account statement from us.

Preauthorized Payments

(a) 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. Here's how:

Call us at 610-395-8834 or write us at the address below:

New Tripoli Bank
7747 Claussville Road
Orefield, PA 18069

You must call or write us in time for us to receive your request 3 business days or more before the payment 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 you call.

We charge $25 for each stop payment.

(b) Notice of varying amounts. If these regular payments may vary in amount, 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.)

(c) 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.

Financial Institution's Liability

(a) 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 enough money in your account to make the transfer.
  • If the transfer would go over the credit limit on your overdraft line.
  • If the automated teller machine where you are making the transfer does not have enough cash.
  • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
  • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
  • There may be other exceptions stated in our agreement with you.

Confidentiality

We will disclose information to third parties about your account or the transfers you make:

  • where it is necessary for completing transfers; or
  • in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
  • in order to comply with government agency or court orders; or
  • if you give us written permission; or
  • as explained in the separate Privacy Disclosure.

Unauthorized Transfers

(a) Consumer Liability. Tell us at once if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. Also, if you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code, or other means, 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 period.

Mastercard® Debit Card. Additional Limits on Liability for MasterCard. You will not be liable for any unauthorized transactions using your Mastercard debit card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

(b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed at the end of this disclosure. You should also call the number or write to the address listed at the end of this disclosure if you believe a transfer has been made using the information from your check without your permission.