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Statement Ending 06/15/2023
Page 1 of 6
RETURN SERVICE REQUESTED Managing Your Accounts

Bank Name Merchants Bank
WENDY J KEARNEY Phone Number 800-944-6285

2130 SOUTH AVE APT 129
102 E 3rd St
LA CROSSE WI 54601-6219 Mailing Address
Winona, MN 55987
Online Access www.merchantsbank.com
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Summary of Accounts
Account Type Account Number Ending Balance
FREE CHECKING 000030057095 $5,953.73
FREE CHECKING-000030057095
Account Summary
Date Description Amount
05/19/2023 Beginning Balance $10,590.30
2 Credit(s) This Period $1,383.35
73 Debit(s) This Period $6,019.92
06/15/2023 Ending Balance $5,953.73
Other Credits
05/19/2023 EATSTREET INC PAYROLL $852.09
KEARNEY WENDY
06/02/2023 EATSTREET INC PAYROLL $531.26
KEARNEY WENDY
Other Debits
05/22/2023 CULVERS LACROSSE $14.94
SIG PUR 864413
LA CROSSE WI 051923 0166
05/22/2023 KWIK-TRIP $6.49
PIN PUR 571700
ONALASKA WI 052023 0166
05/22/2023 Subway 16315 $4.21
SIG PUR 423135
La Crosse WI 052023 0166
05/22/2023 HOME2 SUITES BY HIL $189.31
SIG PUR 467828
E3BD482BD798FE4F871A11510AB7B805 20230615 Savings Account Statements

Statement Ending 06/15/2023 Page 2 of 6
HOW DOES MERCHANTS BANK PROTECT MY INFORMATION?

Merchants Bank uses multiple safeguards to protect your information including: employee training, encryption of information, and fraud detection
programs.
THINGS YOU CAN DO TO HELP PROTECT YOURSELF

1. Sign up for eStatements for your checking and savings accounts to reduce the likelihood of paper statement being stolen from your mailbox.
These accounts types have the highest chance of financial fraud if account information is stolen.
2. Don't leave private information on your work desk.
3. If you are not going to use checks, do not order any.
4. Keep a list of your credit cards, account numbers, expiration dates and customer service or fraud department telephone
numbers in a secure place away from the cards for easy access.
5. Be cautious when entering a login ID and PIN online, especially when on a public network. Make sure you are on a secure website.
6. Never have a website remember your password.
7. Set up text or email alerts from your bank for certain checking and savings transactions, such as transactions over $500.
8. Make sure your virus protection software is up-to-date on your computer and mobile devices.
9. Social media sites ask for your personal information and make it viewable to the public. Be careful what you post on social
media and check your privacy settings often. Criminals use information such as birthdays, high schools, colleges, pet names and email ad-
dresses to steal your identity.
10. Carefully check through your credit card and bank activity regularly and immediately report unusual activity. You don't have to wait for your
statement to arrive. Login to online banking regularly.
KEEP YOUR PERSONAL CONTACT INFORMATION AND PRIVACY CODE UP TO DATE

Have you moved, changed employers, phone numbers or email addresses? It's important we're able to contact you if we have
questions about your account, suspect fraud, and send pertinent statement and tax information to you. Let us know when your
information changes.
When you call us on the phone and request information about your bank accounts we'll always identify you by the personal Privacy Code you estab-
lished. If you don't have a Privacy Code in place, be sure to set one up the next time you stop in so we're able to assist you over the phone.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC IF THIS ACCOUNT IS A REVOLVING LINE OF CREDIT, PLEASE READ THE
TRANSFERS FOLLOWING IMPORTANT INFORMATION (CONSUMER ACCOUNTS).
BILLING RIGHTS SUMMARY:
Telephone or write us at the phone number or address shown on the front of
this statement as soon as you can, if you think your statement or receipt is wrong WHAT TO DO IF YOU THINK YOU FIND A MISTAKE ON YOUR STATEMENT
or if you need more information about a transfer on the statement or receipt.
We must hear from you no later than 60 days after we sent the FIRST statement If you think there is an error on your statement or you need more information about a
on which the error or problem appeared. transaction on your statement, write to us at the name and address shown on the front of
this statement. You may also contact us on the Web at:
1. Tell us your name and account number (if any), www.merchantsbank.com
2. 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 In your letter, give us the following information:
information. • Account information: Your name and account number.
3. Tell us the dollar amount of the suspected error. • Dollar amount: The dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or • Description of Problem: If you think there is an error on your bill, describe what you
question in writing within 10 business days. believe is wrong and why you believe it is a mistake.
We will investigate your complaint and will correct any error promptly. If we You must contact us within 60 days after the error appeared on your statement.
take more than 10 business days to do this (5 business days if a point-of-sale is
involved or 20 business days for errors involving an electronic funds transfer You must notify us of any potential errors in writing or electronically. You may call us, but
to or from an account within 30 days after the first deposit to the account was if you do we are not required to investigate any potential errors and you may have to pay
made), we will credit your account for the amount you think is in error so that the amount in question.
you will have the use of the money during the time it takes us to complete our
investigation. We may take up to 45 days (90 days if the transfer involved a new While we investigate whether or not there has been an error, the following are true:
account, a point-of-sale transaction or a foreign initiated transfer) to investigate • We cannot try to collect the amount in question, or report you as delinquent on that
your complaint or question. If we ask you to put your complaint or question in amount.
writing and we do not receive it within 10 business days, we may not credit your • The charge in question may remain on your statement, and we may continue to
account. 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
If we decide that there was no error, we will send you a written explanation to that amount.
within three business days after we finish our investigation. You may ask for cop- • While you do not have to pay the amount in question, you are responsible for the
ies of the documents that we used in our investigation. remainder of your balance.
• We can apply any unpaid amount against your credit limit.
HOW YOUR INTEREST CHARGE IS CALCULATED:

We figure the interest charge on your account by applying the periodic rate to the “average daily balance” of your account. To get the “average daily balance” we take the beginning
balance of your account each day, add any new advances and fees and subtract any payments, credits and unpaid finance charges. This gives us the daily balance. Then, we add up all
the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the “average daily balance.” If you have a variable rate plan, your
daily rate may vary.

FREE CHECKING-000030057095 (continued)
Other Debits (continued)

05/22/2023 HOME2 SUITES BY HIL $1,197.49
SIG PUR 804195
05/22/2023 SQ * BEST EYEBROW TH $20.70
SIG PUR 496324
05/22/2023 VALLEY VIEW CAR WAS $8.00
SIG PUR 709913
WINONA MN 052023 0166
05/22/2023 CULVERS OF ONALASKA $14.95
SIG PUR 302467
05/22/2023 JT CITGO 4268 $21.00
PIN PUR 972080
05/22/2023 Wal-Mart Super Cent $5.43
SIG PUR 561680
05/22/2023 KWIK-TRIP $8.69
PIN PUR 762400
SIG PUR 798933
05/22/2023 KWIK-TRIP $8.48
PIN PUR 523800
05/23/2023 COTTAGE GARDEN FLOR $26.32
SIG PUR 189509
05/23/2023 CULVERS LACROSSE $5.69
SIG PUR 126320
05/24/2023 TACO BELL #031502 $10.33
SIG PUR 933704
05/24/2023 HOME2 SUITES BY HIL $757.24
SIG PUR 422144
SIG PUR 729293
05/25/2023 DELTA DENTAL INS PREMIUM $63.93
Wendy Kearney
05/30/2023 HAMPTON INN & SUITE $476.43
SIG PUR 569118
05/30/2023 MADISON, WI #60 $94.92
SIG PUR 377830
MADISON WI 052623 0166
05/30/2023 MENARDS SELF STORAG $75.83
SIG PUR 629858
BARABOO WI 052623 0166
05/30/2023 FARM & FLEET OF $41.93
PIN PUR 644652
05/30/2023 AUTOZONE $220.17
PIN PUR 589341
05/30/2023 CULVERS OF SAUK CIT $6.74


SIG PUR 395802
SAUK CITY WI 052923 0166
05/30/2023 WAL Wal-Ma $1.62
SIG PUR 799618
05/30/2023 WAL-MART # $88.59
PIN PUR 616100
05/30/2023 MCDONALD'S $9.80
SIG PUR 157900
05/30/2023 WALGREENS 603 W PIN $150.00
PIN PUR 526966
05/31/2023 Kwik Trip $20.00
ATM W/D 000700003233
PRAIRIE DU SA WI 053123 0166
05/31/2023 CULVERS OF SAUK CIT $8.74
SIG PUR 618473
SAUK CITY WI 053023 0166
05/31/2023 SVDP BARABOO WI $14.24
SIG PUR 264324
05/31/2023 BP#2071200LODI $24.50
PIN PUR 132198
LODI WI 053123 0166
05/31/2023 N 3240 CITY HWY J $9.16
SIG PUR 498600
POYNETTE WI 053123 0166
06/01/2023 KWIK-TRIP $4.50
PIN PUR 221027
06/01/2023 JT CITGO 4268 $25.46
PIN PUR 535482
06/01/2023 Munson Realty, I WEB PMTS $50.00
Wendy Kearney
06/02/2023 SQ * BLUEBIRD BAKERY $10.90
SIG PUR 081003
06/02/2023 SQ * SHADES OF ENVY $23.00
SIG PUR 897134
06/02/2023 LODI SHELL AUTO SVS $81.97
SIG PUR 260468
LODI WI 053123 0166
06/02/2023 Wal-Mart Super Cent $40.98
SIG PUR 464158
06/05/2023 EXPRESS FOOD MA $25.16
PIN PUR 944413
06/05/2023 KWIK TRIP 855 $1.99
PIN PUR 336180
06/05/2023 CULVERS BARABOO $13.48
SIG PUR 481453
06/05/2023 MCDONALD'S $12.10
SIG PUR 849700


06/05/2023 BARABOO CUSTOM LUBE $9.00
SIG PUR 780580
06/05/2023 DISCOVER PHONE PAY $59.00
KEARNEY WENDY
06/06/2023 PIZZA HUT 040669 $16.61
SIG PUR 909264
06/06/2023 KWIK TRIP 1205 $14.65
PIN PUR 488749
06/06/2023 MCDONALD'S $12.10
SIG PUR 858700
06/06/2023 KWIK TRIP 855 $4.88
PIN PUR 421643
BARABOO US 060623 0166
06/06/2023 CULVERS BARABOO $5.05
SIG PUR 493741
06/06/2023 EXPRESS FOOD MA $22.87
PIN PUR 207823
06/07/2023 TACO BELL 3004020 $10.22
SIG PUR 835370
WEST BARABOO US 060523 0166
06/07/2023 CULVERS OF MIDDLETO $8.63
SIG PUR 646802
MIDDLETON US 060623 0166
06/07/2023 PROG UNIVERSAL INS PREM $37.94
Wendy J Kearney
06/08/2023 WALGREENS 603 W PIN $200.00
PIN PUR 357610
06/08/2023 WALGREENS 603 W PIN $20.00
PIN PUR 343836
06/08/2023 EXPRESS FOOD MA $13.98
PIN PUR 453006
06/09/2023 AARP * ME $16.00
REC POS 567549
888-687-2277 CA 060823 0166
06/09/2023 SPRINGFIELD KEL $29.26
PIN PUR 481714
MIDDLETON WI 060923 0166
06/12/2023 Kwik Trip $20.00
ATM W/D 474400005405
06/12/2023 MCDONALD'S $12.10
SIG PUR 479800
06/12/2023 CULVERS BA $16.95
SIG PUR 581597
06/12/2023 EXPRESS FOOD MA $25.02
PIN PUR 540643
06/12/2023 MCDONALD'S $9.80
SIG PUR 519400


06/12/2023 KWIK TRIP 855 $6.12
PIN PUR 303363
06/13/2023 OLIVE GARD $35.05
SIG PUR 265881
MADISON WI 061123 0166
06/13/2023 CULVERS OF $11.72
SIG PUR 333923
WISCONSIN DEL WI 061223 0166
06/13/2023 MCDONALD'S $12.10
SIG PUR 427000
06/14/2023 CULVERS BA $5.05
SIG PUR 236353
Checks Cleared
Check Nbr Date Amount Check Nbr Date Amount
1020 05/22/2023 $163.00 1021 06/02/2023 $1,300.00
* Indicates skipped check number
Daily Balances
Date Amount Date Amount Date Amount
05/18/2023 $10,590.30 05/30/2023 $7,722.75 06/07/2023 $6,386.88
05/19/2023 $11,442.39 05/31/2023 $7,646.11 06/08/2023 $6,152.90
05/22/2023 $9,765.57 06/01/2023 $7,566.15 06/09/2023 $6,107.64
05/23/2023 $9,733.56 06/02/2023 $6,640.56 06/12/2023 $6,017.65
05/24/2023 $8,952.71 06/05/2023 $6,519.83 06/13/2023 $5,958.78
05/25/2023 $8,888.78 06/06/2023 $6,443.67 06/14/2023 $5,953.73

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Statement Ending 06/15/2023

RETURN SERVICE REQUESTED Managing Your Accounts

WENDY J KEARNEY Phone Number 800-944-6285

E3BD482BD798FE4F871A11510AB7B805 20230615 Savings Account Statements

HOW DOES MERCHANTS BANK PROTECT MY INFORMATION?

THINGS YOU CAN DO TO HELP PROTECT YOURSELF

KEEP YOUR PERSONAL CONTACT INFORMATION AND PRIVACY CODE UP TO DATE

HOW YOUR INTEREST CHARGE IS CALCULATED:

E3BD482BD798FE4F871A11510AB7B805 20230615 Savings Account Statements

FREE CHECKING-000030057095 (continued)

Other Debits (continued)

E3BD482BD798FE4F871A11510AB7B805 20230615 Savings Account Statements

FREE CHECKING-000030057095 (continued)

Other Debits (continued)

E3BD482BD798FE4F871A11510AB7B805 20230615 Savings Account Statements

FREE CHECKING-000030057095 (continued)

Other Debits (continued)

E3BD482BD798FE4F871A11510AB7B805 20230615 Savings Account Statements

FREE CHECKING-000030057095 (continued)

Other Debits (continued)

E3BD482BD798FE4F871A11510AB7B805 20230615 Savings Account Statements

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