Ohma BB - T Statements

01/31/20
02/28/19
MD 1340020699328
1470014220771
860-26-01-00 10526 8 C 001 30 S 66 002

IKINNETH
NLINE
OHMA P I L A T E S & F I T N E S S LLC
WORLEYL
LILER
7157
18 1 VAN
0 BLAIR HOOK RD
RD
MARKET ST STE 1 0 8 A
SFREDRICKSBURG
REIDSVILLE, NC VA27320-1387
A I N T AUGUSTINE 22405
FL 32095-8803
Your account statement Contact us

(800) BANK-BBT or
01/31/2020
For 02/28/19
05/31/2019 BBT.com
(800) 226-5228
Now offering Business High Performance Money Market Account
You can now earn an extremely competitive return on your excess funds when you open a Business High Performance Money Market
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Account to complement your BB&T business checking account. Open an account online today. Visit BBT.com.
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BB&T, Member FDIC.
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1340020699328
BUSINESS VALUE 200 0000246941998
1470014220771
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Account summary
Your previous balance as ofof 04/30/2019
01/09/2020
02/01/2019 $3,626.42
$3,626.42
Checks -- 4,449.35
1,449.35
Other withdrawals, debits and service charges - 6,470.18
- 470.18
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Deposits, credits and interest 2,941.40

+ 12,941.40
aC s
01/31/2020
Your new balance as of 05/31/2019
02/28/2019 ==$5,648.29
$4,428.29
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Checks
DATE CHECK # AM OUN T($ ) DATE CHECK # AMO UNT($ ) DATE CHECK # AMO UNT($)
01/01
05/14
02/01 1059 810.00 05/13
01/13
05/13
02/13 1067 760.00 01/29
05/09
02/28 * 870002 393.35
01/05
05/29 1060 340.00 01/16
05/06 1068 300.00 01/29
05/06 870003 65.00
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02/05 02/16 02/28

01/07
05/07
02/07 * 1066 1,631.00 01/28
05/29
02/27 1069 150.00
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* indicates a skip in sequential check numbers above this item Total checks == $4,449.35
$4,449.35
Other withdrawals, debits and service charges

DATE DESCR IPTIO N AM OUN T($ )
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01/01
05/01
02/01 DEBIT CARD PURCHASE SHIPT*ORDER 04-30 WWW.SHIPT.COM AL 8767 60.34
01/01
05/01
02/01 DEBIT CARD PURCHASE DNH*GODADDY.COM 04-30 480-5058855 AZ 8767 8.17
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01/01
05/01
02/01 BUS ONLINE ACH/WIRE SERV FEE 7263 15.00
01/01
05/02
02/02 DEBIT CARD PURCHASE-PIN 05-01-19 ST JOHNS FL 8767 WAL WAL-MART SUPER 911767 100.95
01/02
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05/03
02/03 DEBIT CARD PURCHASE CINCO DE MAYO AUTH 05-02 SAINT AUGUSTI FL 8767 52.17
01/03
05/03
02/03 DEBIT CARD PURCHASE SHIPT*TIP 17505918 05-02 WWW.SHIPT.COM AL 8767 5.00
01/03
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05/06
01/05
05/06 DEBIT CARD PURCHASE SHIPT*BALANC 17605 05-03 WWW.SHIPT.COM AL 8767 25.08
02/05
01/05
05/06 DEBIT CARD PURCHASE LIFETOUCH PRESCHOO 05-03 EDEN PRAIRIE MN 8767 41.52
02/05
01/06
02/06
01/08
05/06 DEBIT CARD PURCHASE-PIN 05-03-19 ST AUGUSTINE FL 8767 PUBLIX SUPER MAR 7462 US 23.65
02/08
01/08
05/06 DEBIT CARD PURCHASE ABC RENTAL CENTER 05-04 410-4854133 MD 8767 46.40
02/08
01/09
05/06
02/09 DEBIT CARD PURCHASE AUTO AIR & VACUUM 05-04 IRVING TX 8767 1.75
01/09
05/06
02/09 DEBIT CARD PURCHASE SQ *THE SWEET SPOT 05-05 ST. AUGUSTINE FL 8767 5.99
01/09
05/06 INTERNET PAYMENT LEASE_PAY TOYOTA FINANCIAL 73583802040519 680.00
01/09
02/09
05/07
02/09 DEBIT CARD PURCHASE COLONIAL QUARTERS 05-06 ST AUGUSTINE FL 8767 76.97
continued
This study source was downloaded by 100000822750434 from CourseHero.com on 04-04-2021 18:58:47 GMT -05:00
0099230
https://www.coursehero.com/file/44471566/Heather-Kirk-Bank-Statementpdf/
1340020699328 (continued)
1470014220771
01/10
05/07
02/10 DEBIT CARD PURCHASE-PIN 05-06-19 ST AUGUSTINE FL 8767 CIRCLE K # 07691 40.61
01/10
05/07
02/10 INTERNET PAYMENT O2BKIDS1 O2B MANAGER ALAC M61704471710 322.80
01/10
05/08
02/10 DEBIT CARD PURCHASE AMAZON.COM*MZ3VS8Y 05-07 AMZN.COM/BILL WA 8767 28.49
01/11
05/08
01/11
05/08
01/12
05/08
01/12
05/08
02/12 DEBIT CARD PURCHASE Prime Video*MN8T61 05-08 888-802-3080 WA 8767 16.43
01/12
05/09
02/12 DEBIT CARD PURCHASE-PIN 05-08-19 SAINT AUGUSTI FL 8767 DOLLAR GENERAL C 16.81
01/12
05/09
02/12 INTERNET PAYMENT UTIL-PMNTS ST-JOHNS-COUNTY 1162303 196.72
01/13
05/10
01/13
02/13
05/10 ACH CORP DEBIT DISCOUNT TSYS/TRANSFIRST INLINE PILATES + FITNECUSTOMER ID 342.85
543684555858220
01/13
05/10
02/13 ACH CORP DEBIT WEB PMTS Coldwell Banker Heather Kirk CUSTOMER ID Z1BSQ1 928.00
01/14
05/13
02/13 DEBIT CARD PURCHASE CIRCLE K # 07691 05-04 ST AUGUSTINE FL 8767 12.00
01/14
05/13
02/14 DEBIT CARD PURCHASE DNH*GODADDY.COM 05-10 480-5058855 AZ 8767 48.68
01/14
05/13
02/14 DEBIT CARD PURCHASE TST* ICE PLANT BAR 05-11 ST. AUGUSTINE FL 8767 30.57
01/14
05/13
02/14 DEBIT CARD PURCHASE POSEIDON SPA CAS 05-10 SAINT AUGUSTI FL 8767 61.00
01/14
05/13
02/14 DEBIT CARD PURCHASE-PIN 05-11-19 ST JOHNS FL 8767 WAL-MART #0928 54.34
01/14
05/13
02/14 DEBIT CARD PURCHASE-PIN 05-12-19 SAINT AUGUST FL 8767 ALDI 74069 19.68
01/14
05/14
02/14 DEBIT CARD RECURRING PYMT Spotify USA 05-13 877-7781161 NY 8767 9.99
01/16
05/14
01/16
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02/16
01/16
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05/14
01/16
02/16
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01/17
05/15 DEBIT CARD PURCHASE-PIN 05-14-19 ST. AUGUSTINE FL 8767 FRANCESCA'S B2034 64.98
02/16
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01/17
05/15
05/15
02/17 DEBIT CARD PURCHASE-PIN 05-15-19 ST AUGUSTINE FL 8767 SUNOCO 0278357900 42.32
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01/17
05/16
02/17 DEBIT CARD PURCHASE PALENCIA GOLF CLUB 05-14 ST AUGUSTINE FL 8767 22.11
01/17
05/16
02/17
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DEBIT CARD PURCHASE CMSVEND*CV ORLANDO 05-15 ALTAMONTE SPR FL 8767 1.35
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01/18
05/16
02/18 DEBIT CARD PURCHASE USA*CANTEEN ALTAMO 05-15 ALTAMONTE SPR FL 8767 1.20
01/19
05/16
02/19 DEBIT CARD PURCHASE-PIN 05-15-19 DAYTONA BEACH FL 8767 RACETRAC 2373 4.25
01/19
05/17
01/19
05/17
02/19 DEBIT CARD PURCHASE Prime Video*MN19I0 05-16 888-802-3080 WA 8767 8.76
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01/20
05/17
02/20 DEBIT CARD PURCHASE CINCO DE MAYO AUTH 05-16 SAINT AUGUSTI FL 8767 67.92
01/22
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05/20
02/22 DEBIT CARD PURCHASE MARSHALL CREEK COM 05-16 ST AUGUSTINE FL 8767 16.00
01/22
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02/22
01/22
05/20
01/24
05/20
01/24
05/20
02/24 DEBIT CARD PURCHASE Prime Now*MN1SI6PJ 05-17 Amzn.com/bill WA 8767 35.60
01/24
05/20
02/24 DEBIT CARD PURCHASE AMERICAN AIR001235 05-18 FORT WORTH TX 8767 185.50
01/24
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05/20
01/24
05/20 DEBIT CARD PURCHASE PrimeNowTips*MN69V 05-19 Amzn.com/bill WA 8767 5.00
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02/24
01/25
05/20
02/25 DEBIT CARD PURCHASE CANTINA LOUIE - PO 05-19 PONTE VEDRA FL 8767 51.61
01/25
02/25
01/26
05/21
01/26
05/21 INTERNET PAYMENT SMBPayment SALLIEMAEBANK 5847278025 50.00
02/26
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01/26
05/21
02/26 ACH CORP DEBIT MINDINC0 MINDBODY INC. INLINE PILATES FITNECUSTOMER ID 195.00
2JCF2QNEDCDP1VX
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01/25
05/21
01/25
05/22
02/25 DEBIT CARD PURCHASE-PIN 05-22-19 SAINT AUGUSTI FL 8767 SHELL SERVICE STATION 37.14
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01/25
05/23
02/25 DEBIT CARD PURCHASE CMSVEND*CV ORLANDO 05-22 ALTAMONTE SPR FL 8767 1.10
01/25
02/25
05/23 AUTOPAY CHASE CREDIT CRD 3279 KIRK HEATHER M 210.00
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01/26
02/26
05/24 DEBIT CARD PURCHASE APPLEBEES 07606467 05-22 DAYTONA BEACH FL 8767 7.31
01/26
05/24
02/26 DEBIT CARD PURCHASE APPLEBEES 07606467 05-22 DAYTONA BEACH FL 8767 12.38
01/26
05/24
02/26 DEBIT CARD PURCHASE-PIN 05-23-19 ORMOND BEACH FL 8767 WM SUPERCENTER # 83.03
01/26
05/28
02/26 DEBIT CARD PURCHASE FH FLAGLER CAFE 05-24 DAYTONA BEACH FL 8767 4.02
01/26
05/28 DEBIT CARD PURCHASE-PIN 05-24-19 SAINT AUGUSTI FL 8767 NNT US POLO ASSN. O170500 46.83
02/26
01/26
05/28 DEBIT CARD PURCHASE-PIN 05-24-19 ST. AUGUSTINE FL 8767 CARTER'S #635 2700 STATE 100.33
02/26
01/27
05/28 DEBIT CARD PURCHASE-PIN 05-24-19 ST AUGUSTINE FL 8767 CIRCLE K # 07691 31.51
02/27
01/27
05/28 DEBIT CARD PURCHASE BEACHCOMBER RESTAU 05-26 SAINT AUGUSTI FL 8767 45.07
02/27
01/28
05/28 AUTOPAY CHASE CREDIT CRD 7050 HANKS HEATHER 25.00
02/28
01/28
05/29
02/28 DEBIT CARD PURCHASE-PIN 05-28-19 ST AUGUSTINE FL 8767 RACETRAC 225 38.06
01/28
05/29
02/28 ELEC PYMT FPL DIRECT DEBIT PPDA HEATHER KIRK 171.42
This study source was downloaded by 100000822750434 from CourseHero.com on 04-04-2021 18:58:47 GMT -05:00 continued
01/31/20
02/28/19
MD 1340020699328
1470014220771
1340020699328 (continued)
1470014220771
01/27
05/29
01/27
05/30
02/07 DEBIT CARD PURCHASE HALIFAX HEALTH FRA 05-28 DAYTONA BEACH FL 8767 4.78
01/25
05/30
01/23
05/30
01/29
05/30
02/27 DEBIT CARD PURCHASE PANERA BREAD #2041 05-29 DAYTONA BEACH FL 8767 10.96
01/05
05/31
02/28 DEBIT CARD PURCHASE NURSING STUDY HELP 05-30 949-3544017 NY 8767 12.99
01/28
02/28
Total other withdrawals, debits and service charges == $6,470.18
$6,470.18
Deposits, credits and interest

01/01
05/01
02/01 BKCD STLMT TSYS/TRANSFIRST INLINE PILATES + FITNE CUSTOMER ID 543684555858220 75.00
01/02
05/02
01/03
05/03
01/03
05/03
02/03 MOBILE DEPOSIT 359.00
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01/06
05/06
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01/07
05/07
01/07
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05/07
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01/07
05/07
01/07
05/07
02/07 BKCD STLMT TSYS/TRANSFIRST INLINE PILATES + FITNE CUSTOMER ID 543684555858220 2,654.60
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01/08
05/08
01/08
05/09
02/08
01/09
05/10 rs e
BKCD STLMT TSYS/TRANSFIRST INLINE PILATES + FITNE
BKCD STLMT TSYS/TRANSFIRST INLINE PILATES + FITNE
CUSTOMER ID 543684555858220
CUSTOMER ID 543684555858220
234.10
111.60
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02/09
01/10
05/13
01/15
05/14
01/17
05/15
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01/21
05/17
01/22
05/21
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01/23
05/22
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01/28
05/23
01/28
05/24
01/28
05/28
01/28
05/29
01/28
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05/30
05/31
01/28
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Total deposits, credits and interest ==$12,941.40

$10,941.40
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AMENDMENT TO YOUR DEPOSIT AGREEMENT

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EFFECTIVE IMMEDIATELY
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The following changes have been made to the applicable deposit agreement that you were provided when you opened your account at
BB&T. Continued use of your account after the effective date of this Amendment constitutes your acceptance of the change. You are
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directed to obtain the most current version of the deposit agreement from any branch or online at www.bbt.com. The current version of
the deposit agreement will govern your account upon receipt of this Amendment. If you have any questions about this change, contact
your local BB&T financial center, your relationship manager, or call 1-800-BANK BBT (1-800-226-5228).
F. FUNDS AVAILABILITY
The FUNDS AVAILABILITY section of your current BSA is replaced with the following:
F. AVAILABILITY OF FUNDS
0099231
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1. General Ability to Withdraw Funds

Our policy is to provide availability of funds based upon the deposit type and how your deposit is received. Until funds are available, you
may not withdraw the funds in cash and we will not use the funds to pay checks that you have written, point-of-sale transactions, debit
card, ACH or preauthorized transfers.
Determining the Availability of a Deposit
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you
make a deposit during regular business hours on a business day that we are open, we will consider that day the day of your deposit.
However, if you make a deposit after the end of a current business day, a Saturday or Sunday, a federal holiday, or on a day we are not
open; we will consider the deposit made on the next business day we are open. Inclement weather, natural disasters, or computer or
electronic failures may also affect the banking day and business hours.
Business hours and days vary by branch or facility location and are posted at our branches. Business days and hours for other deposit
methods are outlined as applicable in the ATM DEPOSITS, MOBILE DEPOSITS, AND ONLINE, TELEPHONE, AND IN-BRANCH
ELECTRONIC TRANSFERS BETWEEN BB&T ACCOUNTS sections. Business hours are subject to change from time to time at our
discretion.
Availability depends on the type of deposit and is explained below.
Same-Day Availability
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Funds from the following deposits are available on the business day we receive the deposit.
Wire Transfers
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Electronic Deposits
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U.S. Treasury checks payable to you
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If you make the deposit in person to one of our associates, funds from the following deposits are also available on the same business day
we receive the deposit:
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Cash.
Generally, checks payable to you (First $100 is immediately available)
State and local government checks that are payable to you and if you use a special deposit slip available from the teller station in a
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branch
Cashier's, certified, and teller's checks that are payable to you and if you use a special deposit slip available from the teller station in
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a branch
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Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you.
2. ATM DEPOSITS. Special rules apply for the availability of deposits received at Bank ATMs. At envelope free Bank ATMs, generally, all
cash and the first $100 of your total check deposits received before 6:00 p.m. local time will be made immediately available. For deposits
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received at Bank ATMs that require an envelope, generally, the first $100 of your total deposits received on a business day will be made
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immediately available. The remainder of your deposit will be available as outlined in the General Ability to Withdraw Funds section.
For determining the availability of your deposits made at Bank ATMs, every day is a business day, except Saturdays, Sundays and federal
holidays. If you make a deposit before 6:00 p.m. local time on a business day, we will consider that the day of your deposit. If you make
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an ATM deposit after 6:00 p.m. local time on a business day, on a Saturday or Sunday, or on a federal holiday, we will consider that the
deposit was made on the next business day we are open. You should consult your transaction receipt for the exact posting date of any
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ATM deposit.
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3. MOBILE DEPOSITS. Mobile deposits are generally available to you on the same business day we receive your deposit. For
determining the availability of your mobile deposits, every day is a business day, except Saturdays, Sundays and federal holidays. If you
make a deposit before 8:00 p.m. ET on a business day, we will consider that the day of your deposit. If you make a mobile deposit after
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8:00 p.m. ET on a business day, on a Saturday or Sunday, or on a federal holiday, we will consider that the deposit was made on the next
business day we are open.
4. ONLINE, TELEPHONE, AND IN-BRANCH ELECTRONIC TRANSFERS BETWEEN BB&T ACCOUNTS. Online, telephone, and
in-branch electronic transfers between your BB&T accounts are considered deposits. These deposits are available to you on the same
business day we receive your deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay
checks that you have written.
For determining the availability of your online, telephone, or in-branch electronic transfers between your BB&T accounts, every day is a
business day, except Saturdays, Sundays and Bank and/or federal holidays. If you make a deposit before 9:00 p.m. ET on a business day,
01/31/20
02/28/19
MD 1340020699328
1470014220771
we will consider that the day of your deposit. If you make a deposit after 9:00 p.m. ET on a business day, on a Saturday or Sunday, or on a
federal holiday, we will consider that the deposit was made on the next business day we are open.
5. OTHER ELECTRONIC DEPOSITS. BB&T offers a variety of services that allow clients to process deposits such as Outside Transfer
Service (OTS), INGO and Zelle. These are considered electronic direct deposits and are subject to the availability practices outlined in the
General Ability to Withdraw Funds section in addition to the terms and conditions of the applicable service agreement. If you are
registered with the Zelle service, deposits received through Zelle will be available to you immediately. A payment may be returned if it is
determined that it was made in error or was the result of fraud. For additional information, please refer to the Zelle Terms & Conditions
found within U by BB&T. Deposits received as a Real-Time Payment (RTP) will be available to you immediately. Funds received from a
Real-time Payment will be considered a same day deposit if received prior to 9pm. You acknowledge that any RTP is governed
specifically by RTP Operating Rules of The Clearing House in effect at the time of the transaction and can be found at
https://www.theclearinghouse.org/payment-systems/real-time-payments (RTP Rules). You authorize the Bank, at any time, to debit
your account in the amount of a RTP if we receive a proper Request for Return of Funds in accordance with the RTP Rules. A payment
may be returned if it is determined that it was made in error, was the result of fraud, or was made in violation of applicable law or the
RTP Rules. You are not permitted to receive a RTP in violation of this agreement and you may not accept any payment on behalf of any
person or entity not domiciled in the United States.
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6. Longer Delays May Apply
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Second Business Day Availability
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In some cases, we may not make all of the funds from a check available on the same business day as the deposit. Depending on the type
of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $100 of your
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deposit will be immediately available. An additional $100 will be made available during nightly processing on the business day we receive
your deposit, for a total of $200.
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If we are not going to make all of the funds from a check deposit available on the same business day of your deposit, we will notify you at
the time you make your deposit. We also will tell you when the funds will be available. If your deposit is not made directly to one of our
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associates, or if we decide to take this action after you have left the premises, we will mail you the notice no later than the next business
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day after we receive your deposit. If you will need the funds from a deposit right away, you should ask when the funds will be available.
Seventh Business Day Availability

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Funds you deposit by check may be delayed for a longer period under the following circumstances:
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We believe a check you deposit will not be paid.

You deposit checks totaling more than $5,000 on any one day.
You redeposit a check that has been returned unpaid.
You have overdrawn your account repeatedly in the last six months.
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There is an emergency, such as failure of computer or communications equipment.

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We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be
available. They will generally be available no later than the seventh business day after the day of your deposit. When a hold is placed for
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longer than two business days, you will not have any funds immediately available for use.
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7. Special Rules for New Accounts
If you are a new customer, the following special rules will apply during the first 30 days your account is open.
Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash,
wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local
government checks will be available on the same business day we receive your deposit if the deposit meets certain conditions. For
example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on
the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in
person to one of our associates, the first $5,000 may not be available until the second business day after the day of your deposit. Funds
from all other check deposits may not be available until the second business day after the day of your deposit.
0099232
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ATM deposit functionality may be limited for temporary access devices issued for new deposit accounts.
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01/31/20
MD 1340020699328
Questions, comments or errors?

For general questions/comments or to report errors about your statement or have stopped someone from making electronic transfers without your permission if
account, please call us at 1-800-BANK BBT (1-800-226-5228) 24 hours a day, 7 days you had told us, you could lose as much as $500. Also, if your periodic statement
a week. BB&T Care Center Associates are available to assist you from 6 a.m. until shows transfers you did not make, tell us at once. If you do not tell us within sixty
midnight ET. You may also contact your local BB&T financial center. To locate a (60) days after the statement was mailed to you, you may not get back any money
BB&T financial center in your area, please visit BBT.com. you lost after sixty (60) days if we can prove we could have stopped someone from
taking the money if you had told us in time.
Electronic fund transfers (For Consumer Accounts Only. Commercial Accounts
refer to the Commercial Bank Services Agreement.) Important information about your Constant Credit Account
Services such as Bill Payments and Zelle® are subject to the terms and conditions Once advances are made from your Constant Credit Account, an INTEREST
governing those services, which may not provide an error resolution process in all CHARGE will automatically be imposed on the account's outstanding “Average
cases. Please refer to the terms and conditions for those services. daily balance.” The INTEREST CHARGE is calculated by applying the “Daily
periodic rate” to the ‘Average daily balance” of your account (including current
In case of errors or questions about your electronic fund transfers, if you think your transactions) and multiplying this figure by the number of days in the billing cycle.
statement or receipt is wrong or if you need more information about a transfer on To get the “Average daily balance,” we take the beginning account balance each
the statement or receipt, IMMEDIATELY call 1-800-226-5228 or write to: day, add any new advances or debits, and subtract any payments or credits and the
Fraud Management last unpaid INTEREST CHARGE. This gives us the daily balance. Then we add all of
P.O. Box 1014 the daily balances for the billing cycle and divide the total by the number of days in
Charlotte, NC 28201 the billing cycle. This gives us the ‘Average daily balance.”
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Tell us as soon as you can, if you think your statement or receipt is wrong, or if you
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need more information about a transfer listed on the statement or receipt. We Billing Rights Summary
must hear from you no later than sixty (60) days after we sent the FIRST statement In case of errors or questions about your Constant Credit statement
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on which the problem or error appeared. If you think your statement is incorrect, or if you need more information about a
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• Tell us your name and deposit account number (if any) Constant Credit transaction on your statement, please call 1-800-BANK BBT or visit
• Describe the error or transfer you are unsure of, and explain as clearly as you can your local BB&T financial center. To dispute a payment, please write to us on a
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why you believe it is an error or why you need more information separate sheet of paper at the following address:
Bankcard Services Division
• Tell us the dollar amount of the suspected error
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If you tell us orally, we may require that you also send us your complaint or PO Box 200
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question in writing within ten (10) business days. We will tell you the results of our Wilson NC 27894-0200
investigation within ten (10) business days after we hear from you, and we will We must hear from you no later than sixty (60) days after we sent you the FIRST
correct any error promptly. If we need more time, however, we may take up to statement on which the error or problem appeared. You may telephone us, but
forty-five (45) days to investigate your complaint or questions for ATM doing so will not preserve your rights. In your letter, please provide the following
transactions made within the United States and up to ninety (90) days for new information:
o
accounts, foreign initiated transactions and point-of-sale transactions. If we decide • Your name and account number
aC s
to do this, we will re-credit your account within ten (10) business days for the • Describe the error or transfer you are unsure about, and explain in detail why
amount you think is in error, minus a maximum of $50. If we ask you to put your you believe this is an error or why you need more information
vi y re
complaint in writing, and we do not receive it within ten (10) business days, we may • The dollar amount of the suspected error
not re-credit your account and you will not have use of the money during the time During our investigation process, you are not responsible for paying any amount in
it takes us to complete our investigation. question; you are, however, obligated to pay the items on your statement that are
not in question. While we investigate your question, we cannot report you as
Tell us AT ONCE if you believe your access device has been lost or stolen, or delinquent or take any action to collect the amount in question.
ed d
someone may have electronically transferred money from your account without
your permission, or someone has used information from a check to conduct an Mail-in deposits
stu
unauthorized electronic fund transfer. If you tell us within two (2) business days If you wish to mail a deposit, please send a deposit ticket and check to your local
after you learn of the loss or theft of your access device or the unauthorized BB&T financial center. Visit BBT.com to locate the BB&T financial center closest to
transaction, you can lose no more than $50 if someone makes electronic transfers you. Please do not send cash.
without your permission.
Change of address
is
If you do NOT tell us within two (2) business days after you learn of the loss or theft If you need to change your address, please visit your local BB&T financial center or
of your access device or the unauthorized transaction, and we can prove we could call BB&T Phone24 at 1-800-BANK BBT (1-800-226-5228).
Th
How to Reconcile Your Account Outstanding Checks and Other Debits (Section A)
ar
Date/Check # Amount Date/Check # Amount

1. List the new balance of your account from your latest statement here:
sh
2. Record any outstanding debits (checks, check card purchases, ATM

withdrawals, electronic transactions, etc.) in section A. Record the
transaction date, the check number or type of debit and the debit amount.
Add up all of the debits, and enter the sum here:
3. Subtract the amount in Line 2 above from the amount in Line 1 above and
enter the total here:
4. Record any outstanding credits in section B. Record the transaction date,
credit type and the credit amount. Add up all of the credits and enter the
sum here: Outstanding Deposits and Other Credits (Section B)
5. Add the amount in Line 4 to the amount in Line 3 to find your balance. Enter Date/Type Amount Date/Type Amount
the sum here. This amount should match the balance in your register.
For more
This study source wasinformation,
downloadedplease contact your local
by 100000822750434 BB&T
from branch, visit BBT.com
CourseHero.com or contact
on 04-04-2021 us at 1-800
18:58:47 GMTBANK
-05:00BBT (1-800-226-5228). MEMBER FDIC
0099233
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What does the bank statement show?

What does the bank statement show?

What transactions occurred during the statement period?

What transactions occurred during the statement period?

01/31/20

860-26-01-00 10526 8 C 001 30 S 66 002

Your account statement Contact us

Now offering Business High Performance Money Market Account

Deposits, credits and interest 2,941.40

02/05 02/16 02/28

Other withdrawals, debits and service charges

Deposits, credits and interest

Total deposits, credits and interest ==$12,941.40

AMENDMENT TO YOUR DEPOSIT AGREEMENT

1. General Ability to Withdraw Funds

Determining the Availability of a Deposit

Availability depends on the type of deposit and is explained below.

Seventh Business Day Availability

We believe a check you deposit will not be paid.

There is an emergency, such as failure of computer or communications equipment.

7. Special Rules for New Accounts

Questions, comments or errors?

Date/Check # Amount Date/Check # Amount

2. Record any outstanding debits (checks, check card purchases, ATM

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