VERIFY ADDITIONS AND SUBTRACTIONS – ABOVE AND IN YOUR DRAFT REGISTER. COMPARE THE DOLLAR AMOUNTS OF DRAFTS LISTED ON THIS STATEMENT WITH THE DRAFT AMOUNTS LISTED IN YOUR DRAFT REGISTER. COMPARE THE DOLLAR AMOUNTS OF DEPOSITS LISTED ON THIS STATEMENT WITH THE DEPOSIT AMOUNTS RECORDED IN YOUR DRAFT REGISTER. IF YOU HAVE ANY QUESTIONS REGARDING YOUR CHECKING ACCOUNT, PLEASE CALL THE CREDIT UNION .
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. If you think your statement is wrong or if you need more information about the transaction on your statement, write us on a separate sheet at the address listed on your statement. Write as soon as possible. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information:
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE. We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days we must either correct or explain why we believe the statement was correct. After we receive your letter we cannot try to collect any amount you question or report you as delinquent. We can continue to send statements to you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your statement that are not in question. If we find that we made a mistake on your statement, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone that we reported you to that you have a question about your statement. And we must tell you the name of anyone we reported you to. We must tell anyone that we report you to that the matter has been settled between us when it finally is . If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your statement was correct.
If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right (a) You must have made the purchase in your home state , or, if not within your state within 100 miles of your current mailing address, and (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you advertisement for the property or services.
Write us at the address shown on the front of this statement which is listed after the words “Send Inquiries To” 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.
We will investigate your complaint and we will correct any error promptly. If we take more than 10 business days to do this, we will re-credit 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.
3007 Oxbow Court SW
Bondurant, IA 50035
1900 W. Broadway
Council Bluffs, IA 51501
1225 Copper Creek Drive, Ste. M
Pleasant Hill, IA 50327
2891 106th Street
Urbandale, IA 50322
© 2025 Midland Credit Union. All Rights Reserved.
3007 Oxbow Court SW
Bondurant, IA 50035
1900 W. Broadway
Council Bluffs, IA 51501
1225 Copper Creek Drive, Ste. M
Pleasant Hill, IA 50327
2891 106th Street
Urbandale, IA 50322
© 2025 Midland Credit Union. All Rights Reserved.