Important Information about Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: when you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
For the purpose of the regulations, an "account" includes every formal banking relationship that entails ongoing services, dealings or transactions. Some examples are a deposit account, loan, trust relationship or safe deposit rental.
Terre Haute Savings Bank may retain a copy of any document it relies on to verify your identity.
We apologize for any inconvenience and thank you for your cooperation.
Equal Housing Opportunity -- We do Business in Accordance With the Fair Housing Act (The Civil Rights Act of 1963, as amended by the Fair Housing Amendments Act of 1988)
IT IS ILLEGAL TO DISCRIMINATE AGAINST ANY PERSON BECAUSE OF RACE, COLOR, RELIGION, SEX, HANDICAP, FAMILIAL STATUS (HAVING ONE OR MORE CHILDREN), OR NATIONAL ORIGIN
- In the sale or rental of housing or residential lots.
- In advertising the sale or rental of housing.
- In the financing of housing.
- In the appraisal of housing.
- In the provision of real estate brokerage services.
- Blockbusting is also illegal.
ANYONE WHO FEELS HE OR SHE HAS BEEN DISCRIMINATED AGAINST SHOULD SEND A COMPLAINT TO:
U.S. Department of Housing and Urban Development
Assistant Secretary for Fair Housing and Equal Opportunity
Washington, D.C. 20410
Ralph Metcalfe Fedral Building
Equal Housing Lender - We do Business in Accordance with Federal Fair Lending Laws
UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:
- Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling, or to deny any loan secured by a dwelling.
- Discriminate in fixing the amount , interest rate, duration, application procedures, or other terms or conditions of such a loan, or in appraising property.
IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:
Assistant Secretary for Fair Housing and Equal Opportunity U.S. Department of Housing and Urban Development Washington, DC 20410
FDIC Consumer Response Center 1100 Walnut Street, Box #11 Kansas City, Missouri 64106, for processing under Federal Deposit Insurance Corporation Regulations.
UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:
- On the basis of race, color, national origin, religion, sex, marital status, or age;
- Because income is from public assistance; or
- Because a right has been exercised under the Consumer Credit Protection Act.
IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:
FDIC Consumer Response Center
1100 Walnut Street, Box #11
Kansas City, Missouri 64106
Home Mortgage Disclosure Act Notice - The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; race, gender, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the location where HMDA data may be inspected. To receive a copy of the data, send a written request to Terre Haute Savings Bank P.O. Box 9629, Terre Haute, IN 47808.
Annual Disclosure Statement - The Federal Deposit Insurance Corporation requires FDIC-insured State-Chartered Banks that are not members of the Federal Reserve System to prepare, and make available on request, annual disclosure statements of the bank's financial condition. This statement shows the bank's financial condition at the end of the most recent year and the preceding year. For a free copy of this statement, contact: Auditor, Terre Haute Savings Bank, 533 Ohio Street, P.O. Box 9629, Terre Haute, IN 47808. Phone: 888-245-1929 or 812-234-4864
Funds Availability - Our general policy is to allow you to withdraw funds deposited in your account on the next business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the next business day. Then, the funds will generally be available by the second business day after the day of deposit.
Community Reinvestment Act Notice - Under the Federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us. Your involvement is encouraged.
You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the FDIC; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.
At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the CHICAGO REGIONAL OFFICE, 300 South Riverside Plaza, Suite 1700, Chicago, IL 60606. You may send written comments about our performance in helping to meet community credit needs to Compliance Officer, Terre Haute Savings Bank, 533 Ohio Street, Terre Haute, IN 47807. Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.
You may ask to look at any comments received by the FDIC Regional Manager. You may also request from the FDIC Regional Manager an announcement of our applications covered by the CRA filed with the FDIC. We are an affiliate of Terre Haute Savings Mutual Holding Company, a mutual holding company. You may request from the Manager, Analytical Support Unit, Federal Reserve Bank of Chicago, 230 South LaSalle, Chicago, IL 60604, an announcement of applications covered by the CRA filed by mutual holding companies.
Please read this document carefully as it contains important information regarding the online banking services that are provided by Terre Haute Savings Bank. In using the online banking services of Terre Haute Savings Bank, you agree to abide by the policies and procedures contained in this E-statement Disclosure. Any questions regarding this document can be addressed by contacting 812-234-4864 or 1-877-611-3880.
As used in this document, the words "we," "our," and "Bank" mean Terre Haute Savings Bank and the words "you" and "your" mean each account owner(s) or authorized signer(s). "Account(s)" means any checking or savings account (excluding Christmas Club, Spring Break Club, IDA and IDA Grant accounts). “Business Days” means Monday –Friday excluding Federal Holidays. “E-Statements” refers to the delivery of statements electronically in place of mailed paper statements.
E-SIGN: YOUR LEGAL RIGHTS
“The Electronic Signatures and National Commerce Act (E-SIGN) is a federal law passed in 2000. E-SIGN makes clear the fact that electronic signatures are legally equivalent to hand-written signatures. E-SIGN is the law that governs Financial Institution’s E-Signature requirements and E-Statement services. E-SIGN and other laws and regulations require us to provide certain information in writing. That means you have the right to receive that information on paper. As explained in this E-Disclosure Statement, we may also provide certain information to you in electronic form – following your review of this E-Disclosure and your affirmative consent to receive specific information electronically.”
ACCOUNT REQUIREMENTS: QUALIFYING FOR ONLINE SERVICES
In order to qualify for electronic statements, you will first need to sign up for the online banking service by visiting our website at www.thsb.com and clicking on the “New User” link. This will open an online registration form which will need to be completed with your personal information including physical address, contact phone numbers, and a valid email address. You will also be required to complete bank information including your last deposit amount, verification of whether any account receives direct deposit and a list of the account numbers that you wish to view with the online banking service. After completing the entire application, you will need to read the Terms and Conditions by clicking on the link at the bottom of the registration, checking the acknowledgement box and clicking the Continue button. You will be asked to review your completed application and then submit it by clicking on the Continue button one more time. You will receive a confirmation screen informing you that an email with your sign-on information will be sent within the next 1-2 business days. Once you have successfully signed on to our website, you can enable E-Statements for any of your eligible accounts by clicking on the Additional Products and Services Tab. You will need to click on the Enter button where you will be informed that you are being transferred to a trusted third party. After reading the E-statement Disclosure, you will complete the process by clicking on the Accept button. All checking and savings accounts are eligible for E-Statements with the exception of Christmas Club, Spring Break Club, and IDA and IDA Grant accounts.
ELECTRONIC COMMUNICATIONS: WHAT YOU WILL RECEIVE FROM US
Communications may include, but are not limited to:
- This E-Disclosure Statement and updates
- Online banking service agreement
- Account related communications
- Periodic statements related to account maintenance
HARDWARE AND SOFTWARE REQUIREMENTS
In order to access and retain your electronic statements, you must have access with a computer to an email service and the internet via one of the supported browsers with 128-bit encryption (Microsoft Internet Explorer, Mozilla Firefox, Google Chrome, or Apple Safari). In order to save or print E-Statements, you must have Adobe Acrobat Reader Software.
We may revise hardware and software requirements and will notify you of this change via email if there is a chance it will impact the availability of E-Statements. We will allow you to change the delivery method of statements without penalty of fees.
HOW TO GRANT CONSENT
By accepting the E-Statement Disclosure Agreement, you consent and agree that we may provide certain disclosures and notices to you in electronic form for all of the depository accounts for which you are an owner or authorized signer including the electronic delivery of statements (E-statements). If your account is owned jointly with another person or persons, any one of the account owners may consent to receive or cancel E-statements or other electronically delivered documents. This consent to access E-Statements shall apply to all owners.
HOW TO WITHDRAW CONSENT
Your consent to receive E-Statements is voluntary and you may choose to cancel at any time. In order to cancel E-Statements, you may call us at 812-234-4864 or 1-877-611-3880 or use the Contact us tab located on our website. We will discontinue online statements for all accounts and will resume sending paper statements starting with the next completed statement cycle. There is no fee to withdraw consent and resume paper statements and notices.
OBTAINING AND RETAINING PAPER COPIES OF E-COMMUNICATIONS
We recommend that accountholders keep a copy of this E-Disclosure as well as any other electronic communication such as Privacy Statements for their records. You may print or save this E-Disclosure as well as any additional electronic communications sent from the bank. If you need a copy of any electronically communicated document, you may obtain one by contacting us at 812-234-4864 or 1-888-611-3880, emailing us via the Contact Us tab on our website www.thsb.com , or requesting one by writing us at Terre Haute Savings Bank, 533 Ohio St, Terre Haute, IN 47807. There are no fees for requesting these types of documents.
HOW TO UPDATE YOUR CONTACT INFORMATION
You agree to notify us immediately of any change in your mailing address, email address or other contact information relevant to this Agreement.
To change email address, phone number, or mailing address information you can do the following:
Call 812-234-4864 or 1-877-611-3880 during regular business hours (8 am- 6 pm Mon -Fri and 9 am – noon on Sat)
Email us via the Contact Us tab on the home page of our website www.thsb.com.
Write us at:
COMPREHENSIVE FINANCIAL INSTITUTION CONTACT INFORMATION
You may contact us via the following methods:
Call us at 1-877-611-3880 or 812-234-4864 (Mon -Fri 8 am – 6 pm, SAT 9 am – 12 pm)
Email us via the Contact Us tab on the home page of our website www.thsb.com
Write us at:
In communicating with the bank, please have the following information available:
Information regarding the problem or concern
We will respond to your inquiry within a twenty-four hour period when submitted on a Business Day. If the inquiry is submitted on a Non-Business Day, we will respond within a twenty-four hour period from the next Business Day. We will respond to the inquiry via the communication method in which it was received (email, phone call, etc.)