Mainline and Home Banking Agreement & Disclosure

I understand that the use of my access code will acknowledge acceptance of the following terms and conditions.

Electronic Fund Transfers Disclosure

In case of errors or questions about your electronic transfer, telephone us at (859) 264-4200 or write us at 2557 Sir Barton Way, Lexington, KY 40509 as soon as you can if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than 90 days after we send the first statement on which the problem or error appeared.

If you tell us orally, we may require you to send us your complaint or question in writing within 10 business days.

We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or questions. If we decide to do this, we will re-credit your account within 10 business days for the amount you think is in error, so that you will have the money during the time it takes to complete our investigation. If we ask you to put your complaint in writing and we do not receive it in 10 business days, we may not re-credit your account.

If we decide that there is no error, we will send you a written explanation within 3 business days, after we finish our investigation. You may ask for copies of the documents we used in our investigation.