- Illinois Community Reinvestment Notice
- Error Resolution
- Funds Availability Policy
- Internet Banking Agreement
- Privacy Disclosure
- Fee Schedule
- Mobile Banking Terms and Conditions
FTC Consumer Alert
- If you get an email or pop-up message that asks for personal or financial information, do not reply or click on the link in the message. Legitimate companies don't ask for this information via email. If you are concerned about your account, contact the organization in the email using a telephone number you know to be genuine, or open a new Internet browser session and type in the company's correct Web address. In any case, don't cut and paste the link in the message.
- Don't email personal or financial information. Email is not a secure method of transmitting personal information. If you initiate a transaction and want to provide your personal or financial information through an organization's Web site, look for indicators that the site is secure, like a lock icon on the browser's status bar or a URL for a website that begins "https:" (the "s" stands for "secure"). Unfortunately, no indicator is foolproof; some phishers have forged security icons.
- Review credit card and bank account statements as soon as you receive them to determine whether there are any unauthorized charges. If your statement is late by more than a couple of days, call your credit card company or bank to confirm your billing address and account balances.
- Use anti-virus software and keep it up to date. Some phishing emails contain software that can harm your computer or track your activities on the Internet without your knowledge. Antivirus software and a firewall can protect you from inadvertently accepting such unwanted files. Antivirus software scans incoming communications for troublesome files. Look for anti-virus software that recognizes current viruses as well as older ones; that can effectively reverse the damage; and that updates automatically. A firewall helps make you invisible on the Internet and blocks all communications from unauthorized sources. It's especially important to run a firewall if you have a broadband connection. Finally, your operating system (like Windows or Linux) may offer free software "patches" to close holes in the system that hackers or phishers could exploit.
- Be cautious about opening any attachment or downloading any files from emails you receive, regardless of who sent them.
- Report suspicious activity to the FTC. If you get spam that is phishing for information, forward it to https://www.ftccomplaintassistant.gov. If you believe you've been scammed, file your complaint at www.ftc.gov, and then visit the FTC's Identity Theft Web site at http://www.ftc.gov/idtheft to learn how to minimize your risk of damage from ID theft. Visit www.ftc.gov/spam to learn other ways to avoid email scams and deal with deceptive spam. The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit http://www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
- Never divulge information about your social security number, credit card number, account passwords and other personal information unless you initiate contact with a person or company you know and trust.
- Don't carry around more checks, credit cards and other bank items than you really need. Don't carry your social security number in your wallet, and be sure to pick passwords and PINs (Personal Identification Numbers) that will be tough for someone to figure out. Don't write your social security number on your check.
- Protect your incoming and outgoing mail, especially envelopes that may contain checks, credit card applications or other information valuable to a fraud artist. Deposit outgoing mail, especially something containing personal financial information in the official Post Office collection boxes, hand it to the mail carrier, or take it to the local post office instead of leaving it in your home mailbox.
- Before discarding credit card applications, cancelled checks, bank statements or other information useful to an identity thief, tear them up as best you can, preferably by using a paper shredder.
- Safely store extra checks, credit cards and documents that list your social security number.
- Contact your financial institution immediately if you lose your checkbook or bank credit card, if there is a discrepancy in your records, or if you notice something suspicious such as a missing payment or unauthorized withdrawals.
- If your credit card bill doesn't arrive on time, contact your credit card company. This could be a sign that someone has stolen your account information, changed your address and is making large charges in your name from another location.
- Once a year check your credit record with the three major credit bureaus. To order your report, call the following toll-free numbers; Equifax: 800-685-1111 Experian: 888-397-3742 Trans Union: 800-888-4213
- Contact the fraud departments of each of the three major credit bureaus and request a "fraud alert" be placed on your file and no new credit be granted without your approval.
- Close any accounts that have been fraudulently accessed or opened.
- File a local police report and get a copy of the report to your bank, credit card company or others that may need proof of the crime.
Purpose of This Disclosure
Determining the Availability of Your Deposit
Longer Delays May Apply
Special Rules for New Accounts
Deposits at Automated Teller Machines
Equal Housing Lender
- Unauthorized communication of any charge or credit-card information belonging to any other person or entity
- Unauthorized communication of any information concerning any password or other on-line access number, code, or identification or any other proprietary information belonging to any other person or entity
- Use of the PC services to copy or to distribute or transmit copies of copyrighted materials belonging to any other person or entity is permitted only to the extent that the owner has provided express permission to the User permitting such activity. Copying or distribution or transmitting copyrighted materials other than with permission as specified above is expressly prohibited.
- Communicating any obscene or defamatory information including but not limited to on bulletin boards or in conjunction with E-mail; or
- Use of the PC services in violation of any telecommunication, postal, or other local laws or regulations of the User's country of origin or of the United States or in furtherance or in the commission of any crime or other unlawful or improper purpose.
- Transmission of confidential business and sensitive personal information is at Customer's sole risk.
- Heritage Bank of Schaumburg reserves the right to monitor and review transmissions on-line and in storage, and to remove or reject any material which Heritage Bank of Schaumburg at its sole discretion, believes may be unlawful or objectionable, without prior notice to User.
- User may be responsible for a $30.00 ACH returned item charge when using bill payment services if sufficient funds are not available to pay specified bills.
- User agrees to notify Heritage Bank of Schaumburg or its authorized agent no later than 60 days after User receives the FIRST statement on which User believes a problem or error occurred. User further acknowledges receipt of Heritage Bank of Schaumburg's Electronic Transactions Disclosure Statement and Error Resolution brochure and understands problems and/or errors will be resolved accordingly.
- Authorize Heritage Bank of Schaumburg to internet enable the deposit accounts indicated by the User's self enrollment in Internet Banking;
- Understand that internet enabled accounts are subject to the same provisions and regulations as regular deposit accounts as described in the bank's "Understanding Your Deposit Account" disclosure;
- Understand that transfers to/from internet enabled accounts will occur only on "Business Days" as defined in the "Understanding Your Deposit Account" disclosure.
- Understand that Heritage Bank of Schaumburg or its authorized agent will not be responsible for any loss or penalty that I may incur due to lack of sufficient funds or other conditions that may prevent the withdrawal of funds from my account.
- Understand that Heritage Bank of Schaumburg may terminate use of the Service, in whole or in part, for any reason, at any time, without prior notice. Access to Internet Banking may be terminated, for example, if User's primary account is closed, if access to any of User's accounts is restricted for any reason, or if 180 or more days elapse between User's sign-ons to Internet Banking.
- User hereby authorizes Heritage Bank of Schaumburg or its authorized agent to make payments to creditors for User, as User may authorize by personal computer from time to time, and also authorizes Heritage Bank of Schaumburg to post such payments to User's account.
- User understands that Heritage Bank of Schaumburg or its authorized agent will use reasonable efforts to ensure payments reach creditors on time, but cannot guarantee the time a payment will be posted by a creditor. Heritage Bank of Schaumburg or its authorized agent will use reasonable effort in ensuring creditors reverse any service fee or late charge that is related to payment process error. User also understands that Heritage Bank of Schaumburg or its authorized agent will not be responsible for any loss or penalty that User may incur due to lack of sufficient funds or other conditions that may prevent the withdrawal of funds from User's account.
- User agrees to accurately follow product use instructions provided in the on-line tutorial.
- User agrees to schedule bill payments (payment transaction date) at least five business days before the due date, not including any grace period.
- User agrees to provide correct payee name, address, account information and payment amount.
- User agrees to maintain sufficient funds in funding account on the transaction date requested.
- User agrees to notify Heritage Bank of Schaumburg or its authorized agent no later than 60 days after User receives the first statement on which User believes a problem or error occurred.
- User acknowledges that Heritage Bank of Schaumburg or its authorized agent may require up to 45 days to investigate a complaint or question. Heritage Bank of Schaumburg or its authorized agent will use all reasonable efforts to resolve an issue within 3 business days. If an issue is reported orally, the User may be required to send the complaint or question in writing within 10 business days. If Heritage Bank of Schaumburg or its authorized agent needs more time, they will credit the User's account within 10 business days for the amount the User believes is in error. If we ask the User to put the complaint or question in writing and we do not receive it within 10 business days, we may not credit the account. If we determine there was no error, we will send a written explanation within 3 business days after the investigation is finished.
- User acknowledges that if a payment is not scheduled or processed through a payment account via the Bill Pay Service for 180 or more days, Heritage Bank of Schaumburg may terminate the Bill Pay Service. If a current payment account is closed, user agrees to designate a new deposit account that will be the payment account or Heritage Bank of Schaumburg may terminate the Bill Pay Service. If the Bill Pay Service is terminated, the online bill payment information will be lost, however termination of the Bill Pay Service will not automatically close the User's eligible accounts.
- This service may not be used to transmit alimony, child support or other court-directed payments or tax payments.
In case of errors or questions about your EFT, telephone us at Heritage Bank of Schaumburg at
1-847-524-4000 or the number listed on the statement for your account, or write us at: Heritage Bank of Schaumburg, 1535 W Schaumburg Rd, Schaumburg, IL 60194 as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after the date we send the first statement on which the problem or error appeared:
- Tell us your name and account number (if any)
- 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
- Tell us the dollar amount of the suspected error
If you tell us orally, we may require that you send your complaint or question in writing within 10 Business Days. We will determine whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly. If we need more time to conduct our investigation, however, we will notify you of our need for an extension, which may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 Business Days 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. 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 credit your account.
For errors involving new accounts or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 Business Days to credit your account for the amount you think is in error. We will tell you the results within three Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in the investigation.
Your Liability for Unauthorized Transfers
Tell us AT ONCE if you believe that your password has been lost or stolen, or if you believe that an EFT has been made without your permission. 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).
Except for EFTs to or from brokerage accounts, your liability for an unauthorized EFT or a series of related unauthorized EFTs will be determined as follows:
- If you tell us within two Business Days after you learn of the loss or theft of your password, you can lose no more than $50 if someone used your password without your permission.
- If you do NOT tell us within two Business Days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.
- Also, if your periodic statement shows transfers that you did not make, including those made by using your password, tell us at once. If you do not tell us within 60 days after the statement was made available or transmitted 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 your money if you had told us on time.
You may notify us in person, by telephone, by email during a secure session using the appropriate form, or in writing at:
- Heritage Bank of Schaumburg, 1535 W Schaumburg Rd, Schaumburg, IL 60194
You should also call the number or write to the address listed above if you believe a transfer has been made without your permission.