Checking Account

US259 | BR547

ROP 450
Statement
P.O. Box 7000

Providence, RI 02940
Page 1 of 5

Beginning April 14, 2024

through May 13, 2024
Questions? Contact us today:
DESMOND ONEILL
303 WEATHERSTONE DR CALL:
NEW CUMBERLAND PA 17070- Checking Account Customer
Service
1-888-438-9888

VISIT:
Access your account online:
citizensbank.com

MAIL:
Citizens
Customer Service Center
P.O. Box 42001
Providence, RI 02940-2001

Good news! In our continuing effort to help customers

manage the cost and inconvenience of account
overdrafts, effective September 26, 2022, we will no
longer charge the Returned Item Fee on consumer DESMOND J ONEILL
checking and money market accounts when we return Citizens Quest Checking
a check or automatic payment because there is not XXXXXX-145-0
enough money in the account to cover it. Other
services to help you manage account overdrafts
include no fee Savings Overdraft Transfer and Citizens
Peace of Mind. With a no-fee Savings Overdraft
Transfer Plan, when a transaction overdraws your
checking account, an automatic transfer of available
funds from your linked savings account will cover the
transaction. Its a great way to help protect your
account from overdrafts and overdraft fees. All you
need is a Citizens savings account linked to your
Citizens checking. Dont already have a Savings
Overdraft Transfer Plan set up on your Citizens
checking account? Just call or come in today to sign
up. Citizens Peace of Mind gives you additional time to
fund your account and reverse Overdraft Fees. Go to
for more information
about how your account works and the best overdraft
citizensbank.com/overdraft101

solutions for your account.

Please See Additional Information on Next Page

 Page 2 of 5

Citizens 
Citizens is banking that grows with you. Your Citizens Quest Checking account now comes with valuable
Introducing Plus

perks for other Citizens products, such as interest rate boosters on deposit products, cash back on your credit
Plus

cards, mortgage rate discounts, or investment contributions. Plus, you can start earning even better perks
when you upgrade to a Citizens Wealth Checking account. See the insert attached for more details.
Citizens Quest Checking for XXXXXX-145-0
Balance Calculation Balance
Previous Balance 50,014.59 Average Daily Balance 50,070.91

Checks - 5,524.92 Interest

Withdrawals & Debits - 5,643.72 Current Interest Rate .05%
Deposits & Credit + 4,016.14
Annual Percentage Yield Earned .05%
Interest Paid + 2.06
Number of Days Interest Earned 30
Current Balance = 44,427.19
Interest Earned 2.06

Interest Paid This Year 5.67

A courtesy new account waiver is active on your account so monthly maintenance fees are not currently being assessed.

Your next statement period will end on November 10, 2022.

TRANSACTION DETAILS FOR CHECKING ACCOUNT ENDING 145-0

Checks (Note - checks that are present out of numeric sequence are denoted with an asterisk (*)) Previous Balance

Check # Amount Date Check # Amount Date 50,014.59

102 2042.00 05/11 105 940.00 10/13 Total Checks

103

104
388.94

2,113.98
04/16
05/12
5016* 40.00 09/28
- 5,524.92

Withdrawals & Debits **

Total Withdrawals &
**May include checks that have been processed electronically by the payee/merchant.
Debits

Date Amount Description

- 5,643.72
Other Withdrawals & Debits

04/16 126.90 DOMINION ENGY OH ONLINE PMT 220920

CKF497945243POS

04/16 335.97 DOMINION ENERGY INS PREM 221003 184000076

04/17 4,948.93 CAPITAL ONE CARD ONLINE PMT

05/05 113.86 FST ENERGY OHIO ONLINE PMT 221005 CKF497945243POS

05/12 84.00 CINCINNATI INS ONLINE PMT 221012 CKF497945243POS

05/12 34.06 FSTENERGY ILLUMI ONLINE PMT 221012
CKF497945243POS

Please See Additional Information on Next Page

 Page 3 of 5

Citizens Quest Checking for XXXXXX-145-0 Continued

Deposits & Credits Total Deposits & Credits

Date Amount Description + 4,016.14

04/29 1,929.27 BENEFIT PAYMENTS DEPOSIT 221003 000002491944634

05/05 484.47 PACIFIC LIFE INS ACH 221005 VM13003563

05/07 1,602.40 SSA TREAS 310 XXSOC SEC 101222

Interest Total Interest Paid

Date Amount Description + 2.06

05/13 2.06 INTEREST

 Page 4 of 5

ELECTRONIC TRANSFERS
In Case of Errors or Questions About Your Electronic Transfers
Checking Account Balance Worksheet (For Consumer Accounts Used Primarily for Personal, Family or Household
Before completing this worksheet, please be sure to adjust your Purposes)
checkbook register balance by Telephone us at the customer service number provided on Page 1 of this statement

 Adding any interest earned

or write to us at the customer service address provided as soon as you can, if you


think your statement or receipt is wrong or if you need more information about an
Subtracting any fees or other charges electronic transfer on the statement or receipt. We must hear from you no later than

1
60 days after we sent you the FIRST statement on which the error or problem
appeared.

Your current balance on this statement

 Tell us your name and account number, if any.

$
 Describe the error or the transfer you are unsure about, and explain as
clearly as you can why you believe it is an error or why you need more
information.


Current Balance

2 Tell us the dollar amount of the suspected error and, if possible, the date
it appeared on your statement or receipt.


List deposits which do not appear on this statement

It will be helpful to us if you also give us a telephone number at which

Date Amount Date Amount
you can be reached in case we need any further information.

For consumer accounts used primarily for personal, family, or household purposes,
we will investigate your complaint and will correct any error promptly. If we take
more than 10 business days (20 business days if you are a new customer, for
electronic transfers occurring during the first 30 days after the first deposit is made
to your account) to do this, we will credit your account for the amount you think is in
error, so that you will have the use of the money during the time it takes us to
complete our investigation.
+ $
(For other accounts, we investigate, and if we find we have made an error, we
Total of 2

3
credit your account at the conclusion of our investigation.)

OVERDRAFT LINES OF CREDIT

Subtotal by adding 1 and 2
BILLING RIGHTS SUMMARY
What To Do If You Think You Find A Mistake On Your Statement:
= $ If you think there is an error on your statement write to us at the customer service
address provided as soon as possible.
Subtotal of 1 and 2

4
In your letter, give us the following information:

List outstanding checks, transfers, debits, POS purchases or

 Account information: Your name and account number.
withdrawals that do not appear on this statement.
 Dollar amount: The dollar amount of the suspected error.
Date/

Check No.
Amount Date/

Check No.
Amount
 Description of Problem: If you think there is an error on your bill, describe
what you believe is wrong and why you believe it is a mistake.

You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in writing. You may call us, but if you do
we are not required to investigate any potential errors and you may have to pay the
amount in question. While we investigate whether or not there has been an error
the following are true:

 We cannot try to collect the amount in question or report you as

delinquent on that amount.

 The charge in question may remain on your statement and we may

continue to charge you interest on that amount. But, if we determine that
we made a mistake, you will not have to pay the amount in question or
any interest or other fees related to that amount.

 While you do not have to pay the amount in question, you are
responsible for the remainder of your balance.

- $  We can apply any unpaid amount against your credit limit.

Total of 4
INTEREST CHARGE CALCULATIONS FOR OVERDRAFT LINE

5 Subtract 4 from 3. This should match your checkbook register

balance.
OF CREDIT ACCOUNTS BASED ON AVERAGE DAILY
BALANCE COMPUTATION METHOD

Calculating your Interest Charge

We calculate the interest charge on your Overdraft Line by applying the Daily
= $ Periodic Rate to the Average Daily Balance. Then, we multiply that result by the

Total number of days in the billing cycle in which a balance is owed on your Overdraft
CUSTOMER SERVICE Line. This gives us the total interest charge for that billing period.
If you have any questions regarding your account or discover an error,

call the number shown on the front of your statement or write to us at

Calculating your Average Daily Balance

the following address:

To calculate the average daily balance, we take the beginning balance of you
Overdraft Line each day (which does not include any unpaid interest charges or
Citizens fees), add any new loan advances as of the date of those advances and subtract
Customer Service Center any payments or credits. This gives us the daily balance. Then, we add all the daily
P.O. Box 42001 balances for the billing cycle together and divide the total by the number of days in
Providence, RI 02940-2001 the billing cycle. This gives us the average daily balance of your account.

Change of Address Credit Bureau Reporting

Please call the number shown at the front of your statement to notify us We may report information about your Overdraft Line to credit bureaus for each
of a change of address. joint account holder of your checking account. Late payments, missed payments, or

other defaults on your Overdraft Line may be reflected in your credit report.
DEPOSIT ACCOUNTS ARE NON-TRANSFERABLE
Personal deposit accounts, such as CDs and savings accounts, cannot Thank you for banking with Citizens.
be transferred to another person or to a corporate entity.

Citizens is a brand name of Citizens Bank, N.A.