ELECTRONIC FUND TRANSFERS DISCLOSURE

As a customer of INTRUST Bank, N.A. you may have been issued an INTRUST ATM Card, INTRUST Visa® Debit Card, or INTRUST HSA Visa Debit Card (all referred to as “Card”). You may be taking advantage of other electronic banking services we offer which require a code or other means of access to initiate an electronic fund transfer. Cards, codes and other means of access to initiate an electronic fund transfer are all referred to as an “Access Device” and are subject to the Electronic Fund Transfers Act. Personal Identification Number (PIN) or Access Code or Password or Log-In Identification or any other security devices as may be specified by the Bank for secured access and Account Identification Number are all included in any reference to “Access Device” in this disclosure.

The following disclosures, some of which may not apply to your particular situation, are required to be given. To obtain agreements for Online and Mobile Banking or Personal Financial Manager Bill Pay, please visit www.intrustbank.com, the INTRUST location nearest you, or call the INTRUST Customer Solutions Center at 316-383-1234 or 800-895-2265.

 

  1. Your liability for unauthorized transfers. Tell us AT ONCE if you believe your Access Device 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 any available overdraft protection funds). If you notify us within two (2) business days after you learn of the loss or theft or your Access Device, you can lose no more than $50 if someone used your Access Device without your permission. If you fail to notify us within two (2) business days after learning of the loss or theft of your Access Device, you can lose no more than $500.

    Also, if your statement shows transfers that you did not make, tell us at once. If you do not notify us in writing within sixty (60) calendar days after the statement was delivered to you, you may not get back any money you lost after the sixty (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 time periods.
  1. Contact in event of unauthorized transfers. If you believe your Access Device has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call us 24 hours a day or write:
    316-383-1234 or 800-222-7458
    INTRUST Card Security
    P.O. Box 2121
    Wichita, Kansas 67201
  1. Business days. For purposes of these disclosures, our business days are Monday through Friday. Saturdays, Sundays, and holidays are not included.
  1. Types of transfers and limitations.
    1. Account access1. You may use your Access Device to:
      1. Withdraw cash from your checking, savings, or money market account.
      2. Make deposits to your checking, savings, or money market account. All deposits are subject to next day verification.
      3. Transfer funds between your checking, savings, or money market account.2
      4. Make balance inquiries.
      5. Pay for purchases at places which have agreed to accept our Cards.
    2. Preauthorized transfers. We are equipped to:
      1. Accept certain direct deposits to your checking, savings, or money market account.
      2. Accept certain transfers from your checking, savings, or money market account.
      3. Pay certain bills from your checking, savings, or money market account.
    3. 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:
      1. Pay for purchases; or
      2. Pay bills.
    4. Limitations on frequency of transfers.
      1. There is a limit of five (5) cash withdrawals from automated teller machines (referred to as “ATM”) or cash dispensing machines per day. There is a limit of fifteen (15) Card purchases per day. These limits may not be in effect at all times. We may impose additional limitations without prior notice if necessary to maintain the security of your account or our processing system.
    5. Limitations on dollar amount of transfers.
      1. At an ATM or cash dispensing machine, each day you may withdraw up to your available account balance or the daily withdrawal limit, whichever is less. For daily Card purchases, you may withdraw up to your available account balance or the daily limit, whichever is less. Limits may not be in effect at all times. INTRUST may impose limits, at its discretion, without prior notice. Limits may vary by product, or location, or account type, or device, or combination thereof to maintain the security of your account or our processing system.
      2. INTRUST may impose limitations on the frequency and dollar amount for your use of External Transfers, Mobile Check Deposit, Online Bill Pay and peer-to-peer payment app-based services we may offer. INTRUST may, at its discretion, increase or decrease these limits or impose additional limitations without prior notice to maintain the security of your account or our processing system. Examples of limitations that INTRUST may impose include, but are not limited to:
        1. Customer;
        2. Transaction;
        3. Frequency;
        4. Digital Product;
        5. Account type;
        6. Device; or
        7. Any combination thereof
    6. Disclosure of account balances at non-INTRUST ATMs. Account balances provided at an ATM that is not an INTRUST ATM do not include available discretionary or other overdraft protection funds. However, INTRUST may authorize and complete transactions by drawing on any discretionary or other overdraft protection funds which may be available without prior notice to you.
  1. Fees for transfers2 Each time you use your Card at an ATM that is not an INTRUST ATM, your account will be charged $2.50 for each transfer (transfer includes any balance inquiry) unless you have an INTRUST Elite Checking account 4, or an INTRUST Advantage Checking account5, or an INTRUST Employee Checking account5.
    Optional Account Features6: Quicken® Banking using Direct Connect7 is $5 per month. QuickBooks® Banking using Direct Connect8 is $10 per month.
  1. Confidentiality. We will disclose information to third parties about account transfers you make:
    1. Where it is necessary for completing a transfer;
    2. In order to verify the existence and condition of your account to a third party, such as a credit bureau or merchant;
    3. In order to comply with a governmental agency or court order; or
    4. If you give us your written permission.
  1. Documentation of transfers.
    1. Terminal transfers. As required by law, you will receive a receipt at the time you make any transfer to or from your account using one of our Terminals. (“Terminal” includes ATMs or point of sale terminals and cash dispensing machines). Federal law does not require a receipt for transactions of $15 or less.
    2. Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you can call us at 316-383-1234 to find out if the deposit has been made.
    3. Periodic statements. You will receive a monthly3 statement unless there are no transfers in a particular month3. In any case, you will get a statement at least quarterly. Your statement is deemed delivered to you on the date we place it in the mail, transmit it electronically, or if we do not have a current address, when prepared by us.
  1. Preauthorized transfers.2
    1. Electronic Transfers.
      1. 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 those payments as follows:

        Call us at:
        316-383-1234 or 800-895-2265; or

        Write us at:
        INTRUST Bank, N.A.
        Customer Service Center
        P.O. Box 847
        Wichita, Kansas 67201

        in time for us to receive your request three (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 fourteen (14) days after you have called us. We will charge you a fee for each stop payment order you give us orally or in writing. Please refer to the Personal Accounts Fee Schedule for the amount of this fee.
      2. Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you ten (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 you set.
      3. Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments three (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.
    2. Online Bill Pay.
      1. Right to stop payment and procedure for doing so on a paper check.
        1. You may request a stop payment be placed on an Online Bill Pay paper check by contacting Customer Service at 316-383-1340 or at 800-999-4048. No stop payment will be placed if the check has already been presented for payment.
        2. If you request a stop payment on a repeating payment, it will not affect future repeating payments unless you enter new payment instructions on Online Bill Pay.
      2. Right to stop payment and procedure for doing so on an electronic payment.
        1. No stop payment can be placed after the cutoff time on the payment date.
    3. External Transfers.
      1. No stop payment can be placed. You may edit or revoke a transfer instruction prior to the business day cutoff on the date the transfer is scheduled to occur.
  1. Our liability to you. 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 and damages. However, there are some exceptions. We will NOT be liable, for instance, if:
    1. Through no fault of ours, you do not have enough money in your account to make the transfer.
    2. The ATM or cash dispensing machine where you are making the transfer does not have enough cash.
    3. The Terminal and/or system was not working properly and you knew about the malfunction when you started the transfer.
    4. Circumstances beyond our control (such as acts of God, fire, or flood) prevent the transfer despite reasonable precautions that we have taken.
    5. Bank is prohibited by law from completing the transaction.
    6. There may be other exceptions stated in our agreements with you.
  1. ATM fees. When you use an ATM not owned by us or within our network, you may be charged a fee by the ATM operator or any network used and you may be charged for a balance inquiry even if you do not complete a fund transfer unless you have an INTRUST Elite Checking account9, or an INTRUST Advantage Checking account10, or an INTRUST Employee Checking account10. INTRUST will charge a fee of $2.50 for each transaction even if they take place during the same visit (e.g. if you make a transfer between accounts and then withdraw money in the same visit you will be charged a fee for the transfer and a fee for the withdrawal). You will be charged a fee for a balance inquiry even if you do not withdraw or transfer any funds unless you have an INTRUST Elite Checking account9, or an INTRUST Advantage Checking account10, or an INTRUST Employee Checking account10. 
  1. Error resolution. In case of errors or questions about your electronic transfers, telephone us at 316-383-1354 or 800-222-7458, or write us at P.O. Box 2121, Wichita, Kansas 67201, 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 sixty (60) days after we deliver the FIRST statement on which the problem or error appears.
    1. Tell us your name and account number, if any.
    2. Describe the error or 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 within ten (10) business days.

    We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will recredit your account within ten (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 ten (10) business days, we may not recredit your account.

    For errors involving new accounts (within thirty (30) days after the first deposit), point of sale transactions made with a Card, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error.

    We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation and remove any recredited amount from your account. You may ask for copies of the documents that we used in our investigation.
  1. Some services may not be available at all Terminals.
  2. Not available for Health Savings Accounts.
  3. An approximate four (4) week period or cycle, not necessarily a calendar month.
  4. Each statement period, INTRUST Bank will refund (credit) INTRUST Elite Checking accounts for INTRUST ATM transaction fees, at the time of the transaction, that INTRUST Bank would normally charge for your use of an ATM owned by another financial institution.
  5. Each statement period, INTRUST Bank will refund (credit) INTRUST Advantage Checking and Employee Checking up to $6 for INTRUST ATM transaction fees INTRUST Bank charges for your use of an ATM owned by another financial institution INTRUST will refund the fees at the time of the transaction.
  6. Not applicable for INTRUST Elite Checking accounts.
  7. No fee for connecting via Quicken Web Connect or Express Web Connect (Quicken Connect for Mac).
  8. No fee for connecting via QuickBooks Online or Web Connect through QuickBooks desktop software.
  9. INTRUST Elite Checking will receive a rebate for charges imposed by other financial institutions for your use of their ATMs. All rebates credited to your account for these ATM fees will be reported to the IRS as interest earned.
  10. INTRUST Advantage Checking or Employee Checking will receive a rebate of up to $6 for charges imposed by other financial institutions for your use of their ATMs. These fees will be credited to your account at the time of the transaction. All refunds credited to your account for these ATM fees will be reported to the IRS as interest earned.

Member FDIC

C340-106NT (12/1/2023)