DISCLOSURES

Revolving Loan Account Disclosure
To download a copy of the privacy disclosure, click on this link:  Revolving Loan Account 

Commercial Account Disclosure
To download a copy of the commercial account disclosure, click on this link:  Commercial Account Disclosure 

Home Equity Loans Disclosure
To download a copy of the home equity loans disclosure, click on this link:  2012 HELOC Disclosure

In Case of Errors or Inquiries About Your Bill Disclosure
To download a copy of the privacy disclosure, click on this link:  Bill Inquiries 

Electronic Funds Transfers: In Case of Error or Questions About Your Electronic Transfers Disclosure
To download a copy of the privacy disclosure, click on this link:  EFT Internet Disclosure. 

Periodic Statement Notice for Error Resolution: Error Resolution Notice
In Case of Errors or Questions About Your Electronic Transfers, Telephone us at (314) 298-8200 or write us at 801 S. Lindbergh, St. Louis, MO 63131 as soon as you can, if you think your statement or receipt is wrong 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 you the FIRST statement on which the error or problem appeared.

     (1) Tell us your name and account number (if any).

     (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 information.

     (3)  Tell us the dollar amount of the suspected error.

     We will investigate your complaint and will correct any error promptly. If we take more than 10 business days 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.

Privacy Disclosure
To download a copy of the privacy disclosure, click on this link:  Privacy Disclosure

Funds Availability Disclosure
To download a copy of the funds availability disclosure, click on this link:  Funds Availability

DDL Account Error Resolution Disclosure
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:

Frontenac Bank
3330 Rider Trail South
Earth City, MO 63045

You may also contact us on the web: www.frontenacbank.com.

In your letter, give us the following information:

  • Account information: your name and account number
  • Dollar amount: the dollar amount of the suspected errors
  • 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 dates 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 determined 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.

Truth In Savings
For annual percentage yields and rates, please refer to our rate sheet, available at any Frontenac Bank branch or by telephone (314) 298-8200.

To download a copy of the Interest Checking disclosure, click on the link:  Interest Checking TIS 2012

To download a copy of the Community Edge Checking disclosure, click on the link:  Community Checking TIS. 2012

To download a copy of the Diamond Club Checking disclosure, click on the link:  Diamond Club Checking TIS. 2012

To download a copy of the Diamond Club Money Market disclosure, click on the link:  Diamond Club MM TIS 2012

To download a copy of the Diamond Club Savings disclosure, click on the link:  Diamond Club Savings TIS 2012

To download a copy of the Platinum Money Market disclosure, click on the link:  Platinum Money Market TIS. 2012

To download a copy of the Platinum Savings disclosure, click on the link:  Platinum Savings TIS 2012

To download a copy of the Personal Savings disclosure, click on the link:  Personal Savings TIS. 2012

 

To obtain Adobe Reader (a free download), click on: 
 Get Acrobat