The documents below govern consumer deposit accounts and electronic services at Calder Bank & Trust, N.A. Where a document conflicts with the account agreement you signed at account opening, the account agreement controls.
Interest rates, annual percentage yields, compounding and crediting, balance computation, minimum balances and the fees that could reduce earnings on every consumer deposit account we offer. Required by Regulation DD. Read with the Fee Schedule, which is a separate document and controls where the two differ.
Your rights and your liability for unauthorized electronic transfers, the 60-day notice window, our investigation timetable, and where to write. Required by Regulation E.
When a deposit becomes available, our cutoff hours, and the circumstances in which we hold funds longer.
All consumer and small business account fees.
The agreement that governs Calder Total Access, mobile deposit, bill payment, Calder Send and account alerts, including the Error Resolution notice for consumer accounts and the separate commercial provisions that apply to Treasury Gateway users. Twenty-six sections. Section 19 contains an arbitration provision with a 30-day opt out.
What you agreed to receive electronically, the hardware and software you need to read it, and how to withdraw consent.
Your right to an expedited recredit when a substitute check is posted to your account in error. This document has not been reissued since the amendment noted at right and is presented in its original form.
Our WCAG 2.1 Level AA conformance position, the exceptions we know about, the review date and the person to contact.
What we collect, what we share and your right to limit sharing.
Governs your use of this website. It does not govern your accounts.
Some disclosures are given to you at account opening or with a specific transaction and are not published here, because their content depends on the account and on the date you opened it. These include the Deposit Account Agreement, the Business Deposit Account Agreement, the Treasury Management Master Services Agreement and its service schedules, the Loan Estimate and Closing Disclosure required for a mortgage application, the Credit Card Account Agreement, and the Safe Deposit Box Lease. Ask at any office, call (423) 555-0142, or write to us for a copy of any document that applies to an account you hold. We do not charge for the first copy.
Deposits are insured by the Federal Deposit Insurance Corporation up to the standard maximum deposit insurance amount of $250,000 per depositor, per insured institution, for each account ownership category. Coverage is a function of ownership category and not of the number of accounts you hold, so five single accounts at this bank are insured to $250,000 in aggregate and not to $1,250,000. Trust accounts, retirement accounts and joint accounts are separate categories with their own rules. If your balances are near the limit, ask a banker to review your ownership structure with you before you assume you are covered.
Investment, insurance and trust products offered through Calder Wealth Management are not deposits, are not FDIC insured, are not insured by any federal government agency, are not guaranteed by the bank, and may lose value.
Write to Calder Bank & Trust, N.A., 401 Market Street, Chattanooga, Tennessee 37402, or call (423) 555-0142 Monday through Friday, 8:00 a.m. to 6:00 p.m. Eastern, and Saturday 9:00 a.m. to 1:00 p.m. Eastern. Documents are available in large print, braille and electronic formats at no charge. Member FDIC. Equal Housing Lender.