Disclosures

Copyright Notice and Disclosures

Use of 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 Huntington Federal Savings Bank.

Copyright Information

©2009 Huntington Federal Savings Bank, All Rights Reserved
©2009 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 Huntington Federal Savings Bank’s web site does not imply endorsement of that product, service or publication. Huntington Federal Savings 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. Huntington Federal Savings 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

Facts, data, & other information presented on Huntington Federal Savings Bank website pages are provided directly by Huntington Federal Savings Bank.

Huntington Federal Savings 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.

Deposit information presented on the website of Huntington Federal Savings Bank is in accordance with the Federal Reserves Truth in Savings Act (12CFR230). 

Loan information presented on the website of Huntington Federal Savings Bank is in accordance with the Federal Reserve Truth in Lending Act (12CFR226). 

Home Equity Loan Rate Disclosures:
Fixed Rate Home Equity Loan – Rates and terms subject to change. Normal underwriting guidelines apply. Standard fees at borrower’s expense.

Mortgage Loan Rate Disclosures:
15-Year and 20-Year Fixed Rate – Rates and terms subject to change. Normal underwriting guidelines apply. Borrower pays all closing costs.

30-Year Fixed Rate – Rates and terms subject to change. Normal underwriting guidelines apply. Borrower pays all closing costs.

Construction Loan – Rates and terms subject to change. Normal underwriting guidelines apply. Borrower pays all closing costs. 

Adjustable Rate Mortgage – Rates and terms subject to change. Normal underwriting guidelines apply. Borrower pays all closing costs. 

Policy for New Accounts

Huntington Federal Savings Bank is located in Huntington, West Virginia and we are here to serve the members of our community. Huntington Federal limits new account customers to residents within a 50-mile radius of our main office in Huntington, and a 50-mile radius of our branch in the Putnam Village Shopping Center. 

Electronic Funds Transfer Agreement & Disclosure – Visa Check Card (Debit Card)

This Debit Card agreement is the contract which covers your and our rights and responsibilities concerning the debit card services offered by Huntington Federal Savings Bank (“Bank”). In this agreement, the words “you” and “yours” mean those who sign the application or account card as applicants, joint owners, or any authorized users. The words “we,” “us”, and “our” mean the Bank. The word “account” means any one or more savings and checking accounts you have with the Bank. Debit Card transactions are electronically initiated transfers of money from your account through the Debit Card services described below. By signing an application or account card for Debit Card services, signing your Card, or using any service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the Debit Card services offered.

1. VISA Check Card (Debit Card) – If approved, you may use your Card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet or phone, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the bank will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts that you have established with the Bank. Deposits made to your account will be available to your Card on the following business day. Any deposited funds held in float will not be available to your Card until the float expires. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Bank. In the event of repeated overdrafts, the Bank may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in automated teller machines of the Bank, STAR, PLUS, VISA networks, and such other machines of facilities as the Bank may designate. At the present time, you may also use your Card to:

Withdraw funds from your savings and checking accounts.

Transfer funds from your savings and checking accounts.

Obtain balance information for your savings and checking accounts.

Make POS (Point of Sale) transactions with your Card and PIN to purchase goods or services at merchants that accept VISA or STAR. A signature or PIN number may not be required for some transactions below amounts of $25 dollars.

Order goods or services by mail or telephone from places that accept VISA or STAR.

2. The following limitations on the frequency and amount of VISA Check Card transactions apply:

There is no limit on the number of VISA Check Card purchases you make per day.

Purchase amounts are limited to the amount in your account or your card limit.

You may purchase up to a maximum of your card limit per day.

There is no limit to the number of cash withdrawals you may make in any one day from an ATM.

You may withdraw up to a maximum of your card limit in any one day from an ATM, if there are sufficient funds in your account.

There is no limit on the number of POS transactions you may make in any one day.

You may purchase up to a maximum of your card limit from POS terminals per day, if there are sufficient funds in your account.

Higher limits are available on a case-by-case basis. Please contact the Bank for information.

For security purposes, there are other limits on frequency and amount of transfers available at ATMs.

You may transfer up to the available balance in your account at the time of the transfer.

Business Continuity Plan Disclosure Statement

It is the policy of Huntington Federal Savings Bank to make you aware of our business continuity plans in case of an emergency. The Bank’s plans are designed to ensure that our operations will continue to function with little or no disruption, that our customer’s accounts will be secure and accessible, and that our customers will be able to reach us regardless of the scope of the situation or event. The Bank has developed a Business Continuity Plan with respect to how we will respond to events that significantly disrupt our operations. The plan was designed to be flexible in responding to actual events as they occur, since the timing and impact of disasters and disruptions is unpredictable.

Should one our branch locations be affected we will move the operations to an alternate location where we are able to serve our customers as effectively as possible. Calls to the affected location should be routed to an alternate location where we have access to all of the same systems to serve you. If you cannot access us through our telephone lines, our website will be updated with further information at www.huntingtonfederal.com.

We back-up our important records in a geographically separate area. While every emergency situation poses unique problems based on external factors, such as time of day and the severity of the disruptions, the objective is to restore our operations and be able to complete existing transactions and accept new transactions as soon as possible, however, your transactions could be delayed during this period.

For additional information please contact us by telephone at 304-528-6217 or by email at the “Contact Us” tab located on our website if you have any questions about the Bank’s Business Continuity Plan.

NOTICE OF EXPIRATION OF THE TEMPORARY FDIC INSURANCE
COVERAGE FOR NON-INTEREST BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 01, 2013, funds deposited in a non-interest bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 01, 2013, all of a depositors accounts at an insured depository institution, including all non-interest bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. For more information about FDIC insurance coverage, please visit www.fdic.gov.

CHANGE IN FUNDS AVAILABILITY POLICY

In compliance with the Dodd-Frank Act of 2010, the amount of deposited funds available for withdrawal on the next business day after the day of deposit will be increasing from $100.00 to $200.00 effective July 21, 2011.

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