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ELECTRONIC FUNDS TRANSFERS
YOUR RIGHTS AND RESPONSIBILITIES

By selecting the "accept" button you are acknowledging receipt and agreeing to the following information.

Federal regulations require your acknowledgement of receipt of this electronic funds transfer disclosure before you will be allowed to conduct any electronic activity on your accounts.

You may access your Lake City Federal Bank accounts by computer through this website with your access ID, password and your account numbers to:

CYBERTELLER is Lake City Federal Bank’s internet banking product that lets customers use the internet and their personal computer to access their accounts.   There is no fee for the use of CyberTeller.

Transfers

The LCFB BILL PAYMENT SYSTEM can be used to make payments from your LCFB checking account to a third party.  There is no fee for the use of the bill payment service. 

Obtain Balance and History Information

Documentation

Time Needed to Complete the Transaction

Lake City Federal Bank’s Liability

Unauthorized Transfers

Consumer liability – Notify us at once if you believe your account number, password or access device has been lost or stolen.  You could lose the funds in your account, including your maximum overdraft protection amount, if we are not notified.  If you notify us within two business days after learning of the loss or theft of your access device, your liability will not exceed the lesser of $50 or the amount of the unauthorized transfers that occurred before we are notified.  If you do not notify us within two business days after learning of the loss or theft of your access device, your liability will be the lesser of the actual loss or $500.  If you notify us within 60 days of an authorized transfer appearing on your statement you can lose no more than $50 if someone made an authorized transfer from your account.  If you do NOT notify us within 60 days after the first unauthorized transfer appears on your statement, and we prove we could have stopped someone from making unauthorized transfers if you had told us sooner, you will be liable for up to $500 of the unauthorized transfers that appear on the statement.  Also, you may not get back any money you lost after the 60 days if we prove we could have stopped someone from accessing the account if you had told us sooner. 

Right to Bring Civil Action

Error Resolution Notice

CONFIDENTIALITY

We will disclose information to third parties about your account or the transfers you make:

  1. Where it is necessary for completing transfers;
  2. In order to verify the existence and condition of your account for a third party, such as credit bureau or merchant
  3. To comply with government agency or court orders
  4. If we suspect any person or entity of engaging in terrorist acts or money laundering activity
  5. When legally required to or legally permitted to do so. 

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