Marion National Bank

P O Box 295 - 302 E Main
Marion, KS 66861


For purposes of this disclosure the terms "we", "us" and "our" refer to the Bank named above. The terms "you" and "your" refer to the recipient of this disclosure.

The Electronic Fund Transfer Act and Regulation E require Banks to provide certain information to customers regarding electronic funds transfers (EFTs). This disclosure applies to any EFT service you receive from us related to an account established primarily for personal, family, or household purposes. Examples of EFT services include direct deposits to your account and automatic regular payments made from your account to a third party. This disclosure also applies to the use of your ATM card or VISA Check Card at our automated teller machines (ATMs) and any networks described below.

This disclosure contains important information about your use of electronic fund transfer (EFT) services provided by this Bank in relation to accounts established primarily for personal, family, or household purposes. Please read this document thoroughly and retain it for future reference.



If you have received an electronic fund transfer card ("ATM Card" or "VISA Check Card" - hereafter referred to collectively as "ATM Card or Debit Card") from us you may use it for the type(s) of services noted below, and the following provisions are applicable:

USING YOUR CARD AND PERSONAL IDENTIFICATION NUMBER ("PIN"): In order to assist us in maintaining the security of your account and the terminals, the ATM Card or Debit Card remains our property and may be revoked or canceled at any time without giving you prior notice. You agree not to use your ATM Card or Debit Card for a transaction that would cause your account balance to go below zero, or to access an account that is no longer available or lacks sufficient funds to complete the transaction. You agree not to use your ATM Card or Debit Card for a transaction that would exceed your account balance. We will not be required to complete any such transaction, but if we do, we may, at our sole discretion, charge or credit the transaction to another account, and you do agree to pay us the amount of the improper withdrawal or transfer upon request.

Your ATM Card may only be used with your PIN. Certain transactions involving your Debit Card require use of your PIN. Your PIN is used to identify you as an authorized user. Because the PIN is used for identification purposes, you agree to notify the Bank immediately if your ATM card or Debit Card is lost or if the secrecy of your PIN is compromised. You also agree not to reveal your PIN to any person not authorized by you to use your ATM Card or Debit Card or to write your PIN on your ATM Card or Debit Card or on any other item kept with your ATM Card or Debit Card. We have the right to refuse a transaction on your account when your ATM Card or Debit Card or PIN has been reported lost or stolen or when we reasonably believe there is unusual activity on your account.

The security of your account depends upon your maintaining possession of your ATM Card or Debit Card and the secrecy of your PIN. You may change your PIN if you feel that the secrecy of your PIN has been compromised. You may only change your PIN by bringing your card and identification to Marion National Bank.


ATM CARD SERVICES. The services available through use of your ATM Card are described below:

ATM CARD SERVICES - The following services are available through use for your ATM Card:

You may withdraw cash from your checking account(s), savings account(s), money market account(s) and NOW account(s).

You may transfer funds between your checking and savings accounts, checking and money market accounts, checking and NOW accounts, savings and money market accounts, savings and NOW accounts, and NOW accounts and money market accounts.

You may make balance inquiries on your checking account(s), savings account(s), money market account(s), and NOW account(s).

NETWORK. Your ability to perform the transactions or access the accounts set forth above depends on the location and type of ATM you are using and the network through which the transaction is being performed. A specific ATM or network may not perform or permit all of the above transactions. For example, you may not be able to transfer funds at ATMs located out of state.

Besides being able to use your ATM Card or Debit Card at our ATM terminal, you may access your accounts though the following networks: STAR, PLUS, CIRRUS, AMERICAN EXPRESS, DISCOVER, VISA, MASTERCARD.

ATM FEES. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used, and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.


You may use your VISA Check Card to purchase goods and services from merchants that have arranged to accept your VISA Check Card as a means of payment (these merchants are referred to as "Participating Merchants"). Some Participating Merchants may permit you to receive cash back as part of your purchase. Purchases made with your VISA Check Card, include any purchase where you receive cash, are referred to as "Point of Sale" transactions and will cause your "designated account" to be debited for the amount of the purchase. The designated account for VISA Check Card transactions is your checking account.

In addition, your VISA Check Card may be used at any merchant that accepts Visa™ debit cards for the purchase of goods and services. Your card may also be used to obtain cash from your designated account at participating financial institutions.

Each time you use your VISA Check Card, the amount of the transaction will be debited from your designated account. We have the right to return any check or other item drawn against your account to ensure there are funds available to pay for the transactions. We may, but do not have to, allow transactions which exceed your available account balance or available overdraft protection. If we do, you agree to pay the overdraft. You also agree to pay overdraft charges in effect from time to time for each transaction which causes your available account balance or available overdraft protection to be exceeded.

CURRENCY CONVERSION. When you use your VISA Check Card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is a rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustments determined by the issuer. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date.


You may perform the following through use of electronic check conversion.

A check conversion is a transfer via ACH where a consumer has provided a check to enable the merchant or other payee to capture the routing, account and serial numbers to initiate the transfer, whether the check is blank, partially completed, or fully completed and signed; whether the check is presented at POS (Point of Sale) or is mailed to a merchant or other payee or lockbox and later converted to an EFT; or whether the check is retained by the consumer, the merchant or other payee, or the payee's financial institution.


You may arrange for the preauthorized automatic deposit of funds to your checking account(s), savings account(s), money market account(s), and NOW account(s).

You may arrange for the preauthorized automatic payment of bills from your checking account(s), money market account(s), and NOW account(s).



CASH WITHDRAWAL LIMITATIONS - You may withdraw up to $300.00 through use of ATMs in any one day.


CASH WITHDRAWAL LIMITATIONS - You may withdraw up to $300.00 through use of ATMs in any one day.

POINT OF SALE LIMITATIONS - You may buy up to $500.00 worth of goods or services each day through use of our Point of Sale service.


The terms of your account(s) may limit the number of withdrawals you may make each month. Restrictions disclosed at the time you opened your account(s), or sent to you subsequently will also apply to your electronic withdrawals and electronic payments unless specified otherwise.

We reserve the right to impose limitations for security purposes at any time.

LIMITS ON TRANSFERS FROM CERTAIN ACCOUNTS. Federal regulation limits the number of telephonic 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 such transfers 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. No more than three of the six transfers may be made by check, draft, debit card, or similar order.


You may transfer from a minimum of $1.00 to a maximum of $9,999.99 per transaction per day. You must have sufficient funds in the designated transfer Account a the time the transaction is scheduled. We will not act on any transfer instructions if sufficient funds are not available. An Account that requires two or more signatures to make withdrawls or special withdrawal restrictions may not be accessed electronically for transaction purposes. When you complete a transfer on Internet Banking, both sides of the transaction will memo post to your Account and will affect your available balance immediately. If a transfer is completed after 4:30 pm, the transfer will post to your transaction history during processing at the end of the next business day. Transfers from a Money Market or Savings Account to another Account or to a third party by preauthorized, automatic or telephone transfer are limited by law to six per month. If you change your Account information (name, address, etc.), we require that you notify us in writing. Failure to do so will result in suspension of Internet Banking privileges. Account history is available on Internet Banking for 6 months starting with 3 months of history on the date of enrollment. Check images are available for 90 days.


You may use Bill Payment to electronically direct us to make payments from a designated checking Account on your behalf to third parties that you have selected in advance. You may make payments to any business, merchant, etc., that generates a bill or invoice or to an individual on your behalf that has an address and telephone number that we can verify. We reserve the right to decline to make payments to certain individuals. You may schedule payments to be deducted from your Account on a future date, or the same date each month, subject to the limitations described in this disclosure. Payments are processed on the day designated by you. When a processing day falls on a weekend or bank holiday, the payment is processed the previous business day. When scheduling payments, you should allow (3) business days for an electronic payment and (5) business days for a check payment from the due date that appears on your payment coupon or invoice, regardless of any grace period. Scheduling a payment during a grace period could result in late charges being applied at the discretion of the payee. You cannot change the date of a recurring payment. The payment has to be deleted and added as a new payment. You may schedule payments from a minimum of $1.00 to a maximum of $9,999.99 per business day. The cut off time for Bill Payment is 8:00 p.m. Central time. Payments entered after this time will be processed the next business day. Failure to schedule payments for 45 consecutive days could result in the closing of your Bill Payment account. The following payment types are prohibited through Bill Payment: (a) Tax payments; or (b) Court Ordered payments; or (c) Payments to payees outside of the United States.


The use of any electronic fund transfer services described in this document creates certain rights and responsibilities regarding these services as described below.


TRANSACTION RECEIPTS. Upon completing a transaction at an ATM you will receive a printed receipt documenting the transaction (unless you have chosen not to get a paper receipt). These receipts (or the transaction number given in place of the paper receipt) should be retained to verify that a transaction was performed. You will receive a receipt at the time you perform any transaction using your ATM Card or Debit Card at a Participating Merchant.

PERIODIC STATEMENTS. If your account is subject to receiving a monthly Statement, all EFT transactions will be reported on it. If your account is subject to receiving a statement less frequently than monthly, then you will continue to receive your statement on that cycle, unless there are EFT transactions, in which case you will receive a monthly statement.

PREAUTHORIZED DEPOSITS. 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 (620) 382-2109 to find out whether or not the deposit has been made.


RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment:

  • Call us at:
    (620) 382-2109
  • Write to
    Marion National Bank
    P O Box 295
    Marion, KS 66861

We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we will require you to put your request in writing and deliver it to us within fourteen (14) days after you call.

NOTICE OF VARYING AMOUNT. If you have arranged for automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten days prior to the payment date of the amount to be deducted. 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.

OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS. If you order us to stop one of the payments and have provided us with the information we need within three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses or damages.


If you believe your ATM Card or Debit Card or PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission,

  • Call us at:
    (620) 382-2109
  • Write to
    Marion National Bank
    P O Box 295
    Marion, KS 66861


You will tell us at once if you believe your ATM Card or Debit Card or PIN has been lost or stolen. Telephoning is the best way of keeping your possible losses down.

FOR CARDS. If someone uses your ATM Card or Debit Card without your permission, your liability will not exceed $50.00, if you notify us within four (4) business days after learning of the loss or theft of the ATM Card or Debit Card. If you fail to notify us within this time frame, you can lose as much as $300.00.

FOR UNAUTHORIZED TRANSFERS. If you fail to telephone us or write us within sixty (60) days of receiving your periodic statement or other receipt of an electronic fund transfer which appears to be unauthorized, you will be liable for the lesser of $50.00 of the amount of the unauthorized electronic fund transfer that appears on the periodic statement of receipt or that occurs during the sixty (60) day period. If you do not tell us within sixty (60) days after the periodic statement or receipt was mailed to you, you may not receive back any of the money you lost after that sixty (60) days, and therefore, you could lose all the money in your account (plus your maximum overdraft line or credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time.

If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time period.


The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions involving your VISA Check Card with the Visa™ logo. These limits apply to unauthorized transactions processed on the Visa™ Network.

If you notify us about an unauthorized transaction involving your VISA Check Card, and the unauthorized transaction took place on the Visa™ Network, zero liability will be imposed on you for the unauthorized transaction. We may increase the limit of your liability for such unauthorized transactions if we reasonably determine, based on substantial evidence, that you were grossly negligent or fraudulent in the handling of your account or your VISA Check Card. The zero liability provisions do not apply to PIN-based transactions not processed by the Visa Network, including ATM transactions.

Your liability for unauthorized transactions with your VISA Check Card that involve PIN-based transactions not processed by the Visa™ Network, including ATM transactions, are described under "Consumer Liability" above.


In case of errors or questions about your electronic fund transfers,

  • Call us at:
    (620) 382-2109
  • Write to
    Marion National Bank
    P O Box 295
    Marion, KS 66861

Or use the current information on your most recent account statement.

Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact the Bank no later that 60 days after it sent you the first statement on which the problems or error appears. You must be prepared to provide the following information:

  • Your name and account number.
  • A description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information.
  • The dollar amount of the suspected error.

If you provide oral notice, you may be required to send in your complaint or question in writing within ten (10) business days.

We will determine whether an error occurred within ten (10) business days (twenty (20) business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety (90) days for new accounts and foreign initiated or point of sale transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty (20) business days for new accounts) for the amount which you think is in error, so that you will have the use of the money during the time it takes to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. The extended time periods for new accounts apply to all electronic fund transfers that occur within the first thirty (30) calendar days after the first deposit to the account is made, including those for foreign initiated or point of sale transactions. Visa's™ cardholder protection policy requires that we provide provisional credit for losses from unauthorized Visa™ Check Card use within five (5) business days of notification of the loss.

We will tell you the results within three (3) 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.


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 as provided by law. 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 result in your exceeding the credit limit on your line of credit, if you have one.
  • If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer.
  • If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken.
  • If we have terminated our Agreement with you.
  • When your ATM Card or Debit Card has been reported lost or stolen or we have reason to believe that something is wrong with a transaction.
  • If we receive inaccurate or incomplete information needed to complete a transaction.
  • In the case of preauthorized transfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer.
  • If the funds in the account are subject to legal action preventing a transfer to or from your account.
  • If the electronic terminal does not have enough cash to complete the transaction.

There may be other exceptions provided by applicable law.


We reserve the right to impose a fee and to change fees upon notice to you.


We will disclose information to third parties about your account or electronic fund transfers made to your account:

  1. Where necessary to complete a transfer or to investigate and resolve errors involving the transfer(s); or
  2. In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant; or
  3. In order to comply with government agency or court orders; or
  4. With your consent.


Business days are Monday though Friday excluding holidays.


Your account is also governed by the terms and conditions of other applicable agreements between you and the Bank.

You agree not to reveal your PIN to any person not authorized by you to access your account.

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302 East Main Street | Marion, KS | 66861 | (620) 382-2109
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