Disclosures

General Information

Any person is hereby authorized to view the information available from this web site for informational purposes only. No part of the information on this site can be redistributed, copied, or reproduced without prior written consent of The Honesdale National Bank.

Copyright Information

©2001 The Honesdale National Bank, All Rights Reserved
©1996 The Forms Group, Scottsdale, AZ All Rights Reserved

All information in this site is protected by a compilation copyright in the United States of America based on U.S. Copyright Law (17 U.S.C. sec.101 et seq) and International Copyright Laws and may not be reproduced in whole or in part. Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on this site.

Trademark Information

BankSITE® is a registered trademark of The Forms Group.

Disclaimer of Warranties

The information contained or accessed, and references to corporations, including their services and products, are provided “as is” without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service.

Descriptions of, or references to, products, services or publications within The Honesdale National Bank’s web site does not imply endorsement of that product, service or publication. The Honesdale National Bank makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. The Honesdale National Bank specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose.

This publication could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein.

Disclosures

Disclosure Statement For Consumers: Loan information presented on the website of The Honesdale National Bank is in accordance with the Federal Reserve Truth in Lending Act (12CFR226). Interest rates displayed for loan products are based on an Annual Percentage Rate (APR) and may fluctuate at any time.

Deposit information presented on the website of The Honesdale National Bank is in accordance with the Federal Reserves Truth in Savings Act (12CFR230). Interest rates displayed for deposit products are based on Annual Percentage Yield (APY) and may fluctuate at any time.

Facts, data, & other information presented on The Honesdale National Bank website pages are provided directly by The Honesdale National Bank.

The Honesdale National Bank, our employees, officers, directors and shareholders, as well as BankSITE®, are not responsible for typographical errors or errors of omission; and, we cannot guarantee that all information is accurate or complete.

In compliance with the Children’s Online Privacy Protection Act, The Honesdale National Bank does not collect any personal information from children under the age of 13.


In Case of Errors or Questions About Your Electronic Transfers
Telephone us at (570) 253-3355 or Write us at
The Honesdale National Bank
724 Main Street, P.O. Box 350
Honesdale, PA 18431-0350

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.
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 recredit 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. 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 above telephone number to find out whether or not the deposit has been made.


ELECTRONIC FUND TRANSFERS – YOUR RIGHTS AND RESPONSIBILITIES

Limits on transfers from certain accounts: Federal regulation limits the number of checks, telephone transfers, online transfers and preauthorized electronic transfers to third parties (including Point of Sale transactions) from money market and savings type accounts. You are limited to six (6) such transactions from each money market and/or savings type account(s) you have each statement period for purposes of making a payment to a third party or by use of a telephone or computer.

TRANSFER TYPES AND LIMITATIONS

Terminal Transfers
You may use NET TELLER and Bill Payer, The Honesdale National Bank’s Online Banking Service, to make transfers of funds between checking and savings accounts upon request. Businesses may be approved to initiate electronic fund transfers to third parties.

Prearranged Transfers
You may arrange for us to accept certain direct deposits to your checking account or savings account, pay certain recurring bills from your checking account in the amounts and on the days you request or pay certain recurring bills to The Honesdale National Bank from your savings account in the amounts and on the days you request.

For security reasons, there are other limits on the number of transfers you can make in NET TELLER.

DOCUMENTATION

Terminal Transfers
You should print a confirmation at the time you make any transfer to or from your account using NET TELLER.

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 view the deposit in NET TELLER to find out whether or not the deposit has been made.

In Addition
You will get a monthly account statement from us.

PREAUTHORIZED PAYMENTS

Right to Stop Payment and Procedures 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. To stop one of these payments -

For payments made using our Bill Payer Service:
You may add, edit, or delete a payment up to 3:00 AM EST on the day the payment is scheduled to be sent. If a same day payment is submitted between 3:00 AM EST and 1:00 PM EST it may be edited up until 1:00 PM EST.

For all other payments:
Call or write us at the telephone number or address listed below in this disclosure, 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.

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.)

Liability for Failure to Stop Payment of Preauthorized Transfers
If you order us to stop one of these payments 3 business days before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages with the exception of payments scheduled and /or initiated through our NET TELLER Bill Payer service. NET TELLER Bill Pay initiated transfers and payments are the sole responsibility of the NET TELLER Bill Pay customer.

FINANCIAL INSTITUTION’S LIABILITY

 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 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

UNAUTHORIZED TRANSFERS

Consumer Liability
Tell us AT ONCE if you believe an unauthorized electronic transfer has been made. 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, you can lose no more than $50 if someone initiated an electronic transfer without your permission. (If you believe your user ID# and/or PIN has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your user ID# and/or PIN without your permission.)

If you do NOT tell us within 2 business days after you learn of the loss or theft of your user ID# and/or PIN and we can prove we could have stopped someone from using your user ID# and/or PIN 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, 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 time periods.

Contact in event of unauthorized transfer
If you believe your user ID# and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed in this disclosure.

ERROR RESOLUTION NOTICE

 In case of Errors or Questions About Your Electronic Transfers, call or write us at the telephone number or address listed in this disclosure, 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 60 days after we sent the statement on which the problem or error 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 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 10 business days.

We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) 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. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer.

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 our investigation.

The Honesdale National Bank
Attention: Bookkeeping
PO Box 350 – 724 Main Street
Honesdale, PA 18431
570-253-3355 or 1-800-462-9515
Everyday is a business day except Saturdays, Sundays, and Federal Holidays


 To view our privacy policy please click here.

Electronic Privacy Policy
The Honesdale National Bank respects your privacy. Through our Website, we strive to provide valuable information to you about how we may serve you. Whether you are a valued existing customer or someone shopping for new bank services, we hope our site answers your questions about our products and services Our website does not require you to disclose any personally identifying information. If, however, you chose to contact us via Email, please keep in mind that your Email address and any other information in your Email header will be revealed to us in the Email message. We pledge, however, that when you communicate with us via Email, we will use your Email information only for the specific purpose of responding to your comments, questions or forms. Your Email address will not be sold, nor will it be shared with others outside the bank unless we are compelled to do so by law.

Cookies, (small electronic files placed on your computer), are used by our website to estimate our audience size. Each browser accessing our site is given a unique cookie which is then used to determine whether a user is a first time visitor or a return visitor. This helps us deliver better service by helping us understand whether the majority of those accessing the site are new or repeat visitors.

We reserve the right to change this policy at any time by posting a new Electronic Privacy Policy.

Information Security – Account Hijacking
The Honesdale National Bank will never request sensitive information from ANYONE via Email.

We want to keep you informed of some scams that are currently active on the internet that affect your privacy and your account information. According to the FDIC account hijacking is the presently the fastest growing form of identity theft. Account hijacking is the unauthorized access and misuse of existing banking account information, primarily through “Phishing” attacks. A classic Phishing attack involves a deceptive Email purporting to be from a legitimate financial institution, which typically tells a customer that there is some sort of problem with the customer’s account. The Email usually includes a hyperlink to a “spoofed,” or fake, Web site that looks exactly like the site of a legitimate financial institution with which the consumer does business. The Email then typically instructs the recipient to click on the included hyperlink, go to the financial institution Web site, and log in using the customer’s user name and password in order to “fix” the problem. In reality, the spoofed Web site is simply collecting customer user names and passwords in order to highjack accounts. Never respond to Email asking you to verify Bank Account information or click on links in an email message, even if it looks like it is from The Honesdale National Bank. The Honesdale National Bank will never request sensitive information from ANYONE via Email. If you have any question about the legitimacy of an email that looks to be from The Honesdale National Bank, please contact your local branch.


THE HONESDALE NATIONAL BANK NET TELLER INTERNET BANKING AGREEMENT
This Agreement describes your rights and obligations as a user of the Home Banking Service, as well as the rights and obligations of The Honesdale National Bank. Please read this Agreement carefully. By requesting and using this service, you agree to comply with this Agreement.

THE FOLLOWING DEFINITIONS APPLY IN THE AGREEMENT

  1. “Net Teller” – The Honesdale National Bank Internet Banking Service
  2. Home Banking is the Internet-based service providing access to your HNB Account(s).
  3. Home Banking Account” is an HNB account from which you will be conducting transactions using an Internet-based Service.
  4. PASSWORD” is for use during the initial sign-on, or the PASSWORD you select after the initial sign-on, that establishes your connection to the Service.
  5. Time of Day” references are to Eastern Standard Time or Eastern Daylight Time as applicable.
  6. We” refers to The Honesdale National Bank which offers and provides the services.

ACCESS TO SERVICES
We will provide instructions on how to use our Net Teller Internet Banking Service. You will gain access to your Account(s) through the use of your Internet-enabled device, your Internet Service Provider (ISP), your Net Teller ID# and Password.

IF YOUR PASSWORD HAS BEEN LOST OR STOLEN
If your PASSWORD has been lost or stolen, call us immediately at (570) 253-3355 or 800.HNB.9515 from 8:30 A.M. to 4:00 P.M. Monday through Friday, excluding holidays. If you believe your PASSWORD has been lost or stolen and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone uses your PASSWORD without your permission. If you do NOT tell us within two (2) 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 had you told us, you could lose as much as $500.

BANKING TRANSACTIONS WITH NET TELLER HOME BANKING
In addition to viewing account information, you may use NET TELLER Home Banking to transfer funds between your NET TELLER account(s), make loan payments, stop payments, view statements and view check images. Refer to Electronic Funds Transfers (EFT) disclosure for certain restrictions regarding transfers. New services may be introduced for NET TELLER Internet Banking from time to time. By using these services when they become available, you agree to be bound by the rules which will be made available to you concerning these services.

HOURS OF OPERATION
The services are available 24 hours a day, seven days a week, except during special maintenance periods. For purposes of transactions, our business days are Monday through Friday, excluding holidays. All NET TELLER Internet Banking transfer requests received after 6:00 P.M. on business days and all transfers which are requested on Saturdays, Sundays, or holidays on which we are closed, will be processed on the next business day. Business day begins at 8:30 A.M.

MODIFICATIONS TO THIS AGREEMENT
We may modify the terms and conditions applicable to services from time to time upon mailing or delivering a notice of the modifications to you at the address shown on our account records and the revised terms and conditions shall be effective at the earliest date allowed by law. We reserve the right to terminate this Agreement and your use of the services in whole or in part at any time without prior notice.

STATEMENTS
You will continue to receive your regular account statement monthly. You may choose to receive an electronic version using eDocs.

DISCLOSURE OF INFORMATION TO THIRD PARTIES
We will disclose information to third parties about your account or the transfers you make:
When it is necessary for completing transfers
In order to verify the existence and condition of your account for a third Party, such as a credit bureau or merchant
In order to comply with government or court orders, or other reporting requirements
If you give us your written permission

INACTIVITY AND TERMINATION
You are responsible for complying with this Agreement and with the terms of the Agreement governing deposit or loan accounts which you access using electronic banking services. We can terminate your electronic banking privileges under this Agreement without notice to you if you do not comply with the Agreement governing your deposit or loan accounts or your accounts are not maintained in good standing.

We may convert your account to inactive status if you do not sign on to the service or have any transaction scheduled through the service during any consecutive 90 day period. If your account is considered inactive, you must contact us to have the service activated before you will be able to schedule any transaction through the service.

To cancel the NET TELLER Home Banking Service, you must notify us in writing stating you are discontinuing NET TELLER Home Banking and provide your name, address, and the effective date to stop the service. You may notify us by one of the following methods:
By sending an Email by using the Email feature on your Net Teller page By sending us an Email using the Secure Email Feature on The Honesdale National Banks Contact Us Webpage By writing a letter and delivering it to a Customer Service Representative or Branch Manager at any HNB Office, or By mailing a letter to us at: The Honesdale National Bank, P. O. Box 350, Honesdale, PA 18431.

GOVERNING LAW
This Agreement is governed by the laws of the Commonwealth of Pennsylvania and applicable federal law.

FEE SCHEDULE Fees for The Honesdale National Bank
Continuous Overdraft Fee, $5.00 per day
Overdraft Fee, per item – Checking & Savings: $35.00 per item
Stop Payment Fee: $30.00 per item
Telephone Transfer Fee: $3.00 per transfer


THE HONESDALE NATIONAL BANK BILL PAYMENT SERVICE AGREEMENT

Bill Payment Service may be provided through a third party or affiliate. This Agreement describes your rights and obligations as a user of the Bill Payment Service, as well as the rights and obligations of The Honesdale National Bank. Please read this Agreement carefully. By requesting and using this service, you agree to comply with this Agreement.

THE FOLLOWING DEFINITIONS APPLY IN THIS AGREEMENT
BPSP” — Bill Pay Service Provider
Bill Payment” is the Internet-based service providing access to your bill payment account.
Bill Payment Account” is a HNB Checking Account from which you will be conducting transactions using an Internet-based service.
Time of Day” references are to Eastern Standard Time or Eastern Daylight Time, as applicable.
We” refers to The Honesdale National Bank which offers the services and which holds the services.

ACCESS TO SERVICES
We will provide instructions on how to use the Bill Payment Service. You will gain access to your Bill Pay account through the use of your Internet-enabled device, your Internet Service Provider (ISP) and your NET TELLER ID# and PASSWORD.

BILL PAYMENT SERVICE
The Bill Payment Service permits you to use your Internet-enabled device to direct payments from your designated online Bill Pay Account to third parties. Your Bill Payment Account must be an HNB Checking Account. All payments you make will be deducted from the account you designate as your Bill Payment Account for the Bill Payment Service. Any payments you wish to make through this service must be payable in U.S. dollars to a payee located in the continental United States. We reserve the right to restrict types of payees. You should not use the Bill Payment Service to make payments to settle securities purchases, payments to interest bearing accounts, government payments, or court ordered payments. Payments for these payees will be your sole responsibility if delayed or improperly processed or credited.

Funds must be available in your Bill Pay Account on the scheduled payment date. If the date you schedule a payment to be initiated falls over a weekend, funds must available in your Bill Pay Account on Friday. Any new payments scheduled over a weekend will be processed at 3:00 am Monday morning. If the date you scheduled a payment to be initiated falls on a holiday, funds must be available the day following the holiday. Your BPSP may make the payment either by transferring funds electronically to the payee or by mailing the payee a check. You may choose to schedule payments to recur in the same amount weekly, bi-weekly, monthly, semi-monthly, quarterly, semi-annually, and annually. You should schedule a payment to a new payee at least ten (10) business days before any payment due date for check payment, or five (5) business days before any payment due date for electronic payment.

For all subsequent check payments, you agree to allow at least seven to ten (7-10) business days between the date you schedule a payment to be initiated and the payment due date. For all subsequent electronic payments, you agree to allow at least three to five (3-5) business days between the date you schedule a payment to be initiated and the payment due date, that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period. You will be responsible for all late fees, finance charges, or other action taken by the payee. If you schedule your payment and follow all instructions provided, but the payment is not received by the payee in a timely manner, notify The Honesdale National Banks’ Data Processing Department at 570-253-3362 ext 1450.

We will not be liable for damages you incur if you do not have sufficient funds in your Bill Pay Account to make the payment on the processing date, for delays in mail delivery, for changes to the payees address or account number, for the failure of any payee to correctly account for or timely credit the payment, or for any other circumstances beyond our control.

For all entries made using the service, the time recorded by the Online Banking Service controls. If your Bill Payment debit is received at The Honesdale National Bank and there are insufficient funds to cover the payment, The Honesdale National Bank will return the payment. An overdraft fee will be assessed per item by The Honesdale National Bank, as set in the fee schedule relating to your account.

The way to add, edit or delete a payment is to use the service. Payments are pulled Monday though Friday at 3 am and 1 pm; so you may add, edit, or delete payments scheduled before they are processed for the day. If you wish to stop a payment after it is issued, you must call The Honesdale National Bank and stop payment fees will apply, as set in the fee schedule.

TERMINATION
You are responsible for complying with this Agreement and with the terms of the Agreement governing deposits which you access using Bill Payment Services. We can terminate your electronic banking privileges under this Agreement without notice to you if you do not comply with the Agreement governing your deposit accounts or your accounts are not maintained in good standing.

To cancel the NET TELLER Bill Payment Service, you must notify us in writing stating you are discontinuing NET TELLER Bill Payment Service and provide your name, account number, address, and the effective date to stop the service. Send to: The Honesdale National Bank, Data Processing Department, P. O. Box 350, Honesdale, PA 18431.


ELECTRONIC MAIL
If you send us an electronic mail message we will be deemed to have received it on the following business day. We will have a reasonable time to act on your Email. You should NOT rely on electronic mail if you need to communicate with us immediately.

OTHER AGREEMENTS
In addition to these Agreements, you agree to be bound by and comply with the requirements of the Agreements applicable to each of your Online accounts. Your use of the Home Banking Service or the Bill Payment Service is your acknowledgement that you have received these Agreements and intend to be bound by them. You should review other disclosures received by you when you open your accounts, including the charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedules accompanying those disclosures and the fee schedule at the end of the Agreement.


THE HONESDALE NATIONAL BANK eDOCS DISCLOSURE
Electronic Statements/Notices Delivery Agreement By checking the box in front of “I agree to the listed terms” and clicking the “Enroll Now” button the customer agrees to the following:

  • I have the authority to enter in to agreements for the accounts listed in NetTeller.
  • I am requesting to make Statements/Notices available electronically and understand these documents will no longer be sent in paper form for the accounts I have selected. I agree to maintain my valid email address in my NetTeller account listed under the Options tab.
  • I understand an email will be sent to the email address in NetTeller listed under the Options tab when the Statements/Notices are available for download and the statements will be available for 60 days and the notices for 30 days. Statements in a different format can be accessed in NetTeller for up to 12 months.
  • I understand I must have Adobe Acrobat Reader version 6.0 or greater to view the Statements/Notices and I can save them in PDF format or print out on paper.
  • I understand the service providing Electronic Statements/Notices is generally available 24 hours a day, 7 days a week; however, this service may be unavailable from time to time for routine software and hardware maintenance or due to unscheduled down time.
  • I can un-enroll specific statements or notices or from the entire service at any time by signing on to Net Teller, Internet Banking, select the eDocs tab; select Documents & Settings and deselect each account or notice by removing the check mark in the appropriate box.
  • I understand during the time that statements and notices are available to me through e-Doc (60 days for statements and 30 days for notices) I can request a paper copy and it will be provided at no charge. Older items will be available at a charge as disclosed under the terms and conditions as provided in the new account disclosure.
  • I understand this agreement may be amended by The Honesdale National Bank at any time at its discretion and I will receive any notice of amendments required by law.

THE HONESDALE NATIONAL BANK REGULATION CC DISCLOSURE
FUNDS AVAILABILITY POLICY DISCLOSURE

PURPOSE OF THIS DISCLOSURE
The information here describes our policy of holding deposited items in a transaction account before funds are made available to you for withdrawal. This is our Funds Availability Policy. In summary our policy is to make your funds available on the first Business Day after the day of deposit. Please refer to the section DETERMINING THE AVAILABILITY OF YOUR DEPOSIT for the complete policy. For purposes of this disclosure, the terms “you/your” refer to the customer and the terms “our/we/us” refer to The Honesdale National Bank. Generally, transaction accounts are accounts which would permit an unlimited number of payments by check to third persons, and also an unlimited number of telephonic and preauthorized transfers to third persons or other accounts you may have with us.

DETERMINING THE AVAILABILITY OF YOUR DEPOSIT
The length of the delay varies depending on the type of deposit and is explained below. When we delay your ability to withdraw funds from a deposit, you may not withdraw the funds in cash, and we will not pay checks you have written on your account by using these funds. Even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. When we delay your ability to withdraw funds, the length of the delay is counted in Business Days from the day of your deposit. The term “Business Day” means any day other than a Saturday, Sunday or federally declared legal holiday, and the term “Banking Day” means that part of any Business Day on which we are open to the public for carrying on substantially all of our banking functions.

If you make a deposit before 4:00 pm on a Business Day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 4:00 pm or on a day that we are not open, we will consider the deposit made on the next Business Day we are open.

AVAILABILITY SCHEDULE
Our policy is to make funds from your cash and check deposits available to you on the first Business Day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use them to pay checks that you have written.

HOLDS ON OTHER FUNDS FOR CHECK CASHING
If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it and we decided to delay availability on the deposit.

HOLDS ON OTHER FUNDS IN ANOTHER ACCOUNT
If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited and we decided to delay availability on the deposit.

LONGER DELAYS MAY APPLY
In some cases, we will not make all of the funds that you deposit by check available to you according to the previously stated availability schedule. Depending on the type of check that you deposit, funds may not be available until the second Business Day after the day of your deposit. The first S200.00 of your deposits, however, may be available on the first Business Day after the day of deposit.

If we are not going to make all of the funds from your deposit available to you according to the previously stated availability schedule, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

Funds you deposit by check may be delayed for a longer period under the following circumstances: (a) if we believe a check you deposit will not be paid; (b) if you deposit checks totaling more than $5,000 on any one day; (c) if you redeposit a check that has been returned unpaid; (d) if you have overdrawn your account repeatedly in the last six months; or (e) if an emergency condition arises that would not enable us to make the funds available to you, such as the failure of computer or communications equipment. We will notify you if we delay your availability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh Business Day after the day of your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

SPECIAL RULES FOR NEW ACCOUNTS
If you are a new customer, the following special rules may apply during the first 30 days your account is opened. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will be available on the first Business Day after the day of deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth Business Day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the first Business Day after the day of deposit.

Funds from all other check deposits will be available on the ninth Business Day after the day of your deposit.

DEPOSITS AT AUTOMATED TELLER MACHINES
We only allow deposits to be made at ATMs that we own or operate. A list of our ATMs is enclosed.

ADDITIONAL ATM INFORMATION
Deposits are accepted at The Honesdale National Bank ATMS listed below:
- Main Street Office, Drive Up 8th & Church Streets Honesdale, PA 18431
- Route 6 Plaza Office, 1207 Texas Palmyra Highway, Honesdale, PA 18431
- Lake Wallenpaupack Office, 2547 Route 6, Hawley PA 18428
- Hamlin Office, 559 Hamlin Highway, Hamlin, PA 18427