Business Finance
MAKE revisions to bank statements for Accoutning Course

Question Description

OPEN THE FEBRUARY STATEMENT...YOU WILL USE THIS STATEMENT FOR INFO

Make revisions to the other two statements for March and April so that they coincide with balances

1. MAKE SURE THE NAME IS FREDDICK C. HIGHTOWER ON ALL STATEMENTS in each location where a name is printed...make sure the address matched Feb statement on the other two statements

2. Make sure the dates on each statement match for that month and in the transaction details

3. MSKE SURE THE PAYROLL DIRECT DEPOSIT IS: THE HAIR LOFT, and it is a weekly pay of 664.71...make sure the dates match here too on FRIDAYS

4. MAKE SURE THE BEGINNING/ENDING AMOUNTS MATCH THE NEXT STATEMENT

Unformatted Attachment Preview

Page 1 of 3 Statement of Account Statement Period 10/10/17 – 11/09/17 Access No. 9577266 Routing Number: 2560-7497-4 #BWNLLSV #000000P8U0WRU1A7#000NMO91C QUINCEY DAVIS 204 ROBERTSON DR. Questions about this Statement? Toll-free in the U.S. 1-888-842-6328 For toll-free numbers when overseas, visit navyfederal.org/overseas/ Collect internationally 1-703-255-8837 LEESBURG, GA 31763 Go Green by turning off your paper statements! Suppress, View and Request statements via Navy Federal Online Account Access Summary of your deposit accounts EveryDay Checking 7051875684 Previous Balance Deposits/ Credits Withdrawals/ Debits Ending Balance YTD Dividends $1,584.26 $3,955.64 $4,566.50 $0.00 $0.01 $237.00 $0.00 $0.00 $237.00 $0.00 $1,821.26 $3,955.64 $4,566.50 $237.00 $0.01 Membership Savings 3066976659 Totals REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT QUINCEY DAVIS 9507266 MARK "X" TO CHANGE ADDRESS/ORDER ITEMS ON REVERSE NFCU PO BOX 3100 MERRIFIELD VA 22119-3100 DEPOSIT VOUCHER (FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL) ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED 7051875684 Checking 3066976659 Savings TOTAL Page 2 of 3 Statement Period 10/10/17 – 11/09/17 Access No. 9577266 Statement of Account For QUINCEY DAVIS Checking EveryDay Checking – 7051875684 Joint Owner(s): NONE Date Transaction Detail 10-10 10-13 10-14 10-14 10-16 10-18 10-18 10-19 10-20 10-20 10-22 10-23 10-23 10-25 10-26 10-26 10-27 10-27 10-27 10-28 10-29 10-29 10-31 11-03 11-04 11-07 Beginning Balance Deposit - ACH Paid From FiNation Payroll 01Afd1 ATM Fee - Withdrawal MetroMart Albany GA ATM Fee - Withdrawal Dawson Road Foo Albany GA ATM Withdrawal Tnssmart Albany GA ATM Withdrawal Slappey Road Foo Albany GA POS Debit Visa Check Card 7758 Sq *cafe2200 Albany GA AutoBillPay Greater Region *Albany GA Deposit - ACH Paid From FiNation Payroll 01Afd1 ATM Fee - Transaction Walmart Superce Albany GA POS Debit Visa Check Card 7758 Footlocker USA Albany GA POS Debit Visa Check Card 7758 McDonalds Albany GA ATM Withdrawal Dawson Road Foo Albany GA POS Debit Visa Check Card 7758 China Garden USA Albany GA AutoBillPay Check Card 7758 *City of Albany USA Deposit ATM Fee - Withdrawal Regions Albany GA ATM Fee - Withdrawal MetroMart Albany GA Deposit - ACH Paid From FiNation Payroll 01Afd1 ATM Fee - Withdrawal Slappey Foodmart Albany GA POS Debit Visa Check Card 7758 Footlocker Albany GA POS Debit Visa Check Card 7758 AthletesFoot Albany GA ATM Withdrawal Dawson Road Foo Albany GA Deposit - ACH Paid From FiNation Payroll 01Afd1 ATM Withdrawal Regions Albany GA POS Debit Visa Check Card 7787 Kmart 153 Albany GA Amount($) 841.06 560.00103.5022.9523.0016.28875.00841.06 263.5074.8712.2323.0031.7940.00270.00 400.00643.50841.06 523.5091.2654.8763.50841.06 683.5078.88- Balance($) 1584.26 2425.32 1865.32 1761.82 1739.32 1716.32 1700.04 825.04 1666.10 1402.60 1327.73 1315.50 1292.50 1260.71 1220.71 1490.71 1090.71 447.21 1288.27 764.77 673.51 618.64 555.14 1396.20 712.70 633.82 Page 3 of 3 Statement Period 10/10/17 - 11/09/17 Access No. 9577266 Statement of Account For QUINCEY DAVIS Fee(s) Total this period Total year-to-date* $0.00 $0.00 $0.00 $0.00 Total Overdraft Fee(s) Total Returned Item Fee(s) *As of the first statement period that begins in January of each year. Savings Membership Savings – 3066976659 Joint Owner(s): NONE Date Transaction Detail 10-10 Beginning Balance Amount($) Balance($) 237.00 No Transactions This Period 11-09 Ending Balance 237.00 Disclosure Information • The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance. • We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance" we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges. • You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for the billing cycle and divide the total by the number of days in the billing cycle. • If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate" by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together. What to Do if You Think You Find a Mistake on Your Statement Errors Related to a Checking Line of Credit Advance If you think there is an error on your statement, write to us at: Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244. You may also contact us on the Web: navyfederal.org. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • 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 (or electronically). You may call us, but if you do, we are not required to investigate any potential error, 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. If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the time of our investigation. Errors Within Your Checking Account, Money Market Savings Account, or Savings Account In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. • 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. • 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 provisionally 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. Payments Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts. Page 1 of 3 Statement of Account Statement Period 12/01/17 - 12/31/17 Access No. 9577266 Routing Number: 2560-7497-4 #BWNLLSV #000000P8U0WRU1A7#000NMO91C QUINCEY DAVIS 204 ROBERTSON DR. Questions about this Statement? Toll-free in the U.S. 1-888-842-6328 For toll-free numbers when overseas, visit navyfederal.org/overseas/ Collect internationally 1-703-255-8837 LEESBURG, GA 31763 Go Green by turning off your paper statements! Suppress, View and Request statements via Navy Federal Online Account Access Summary of your deposit accounts Previous Balance Deposits/ Credits Withdrawals/ Debits Ending Balance YTD Dividends EveryDay Checking 7051875684 $633.82 $4,205.30 $3,971.88 $867.24 $0.01 Membership Savings 3066976659 $237.00 $0.00 $0.00 $237.00 $0.00 Totals $870.82 $4,205.30 $3,971.88 $1,104.24 $0.01 REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT QUINCEY DAVIS 9507266 MARK "X" TO CHANGE ADDRESS/ORDER ITEMS ON REVERSE NFCU PO BOX 3100 MERRIFIELD VA 22119-3100 DEPOSIT VOUCHER (FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL) ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED 7051875684 Checking 3066976659 Savings TOTAL Page 2 of 3 Statement Period 12/01/17 - 12/31/17 Access No. 9577266 Statement of Account For QUINCEY DAVIS Checking EveryDay Checking – 7051875684 Joint Owner(s): NONE Date Transaction Detail 12-01 12-01 Beginning Balance Deposit - ACH Paid From FiNation Payroll 01Afd1 12-01 12-02 12-03 12-05 12-06 12-06 12-08 12-08 12-09 12-11 12-13 12-15 12-15 12-17 12-19 12-20 12-22 12-23 12-24 12-24 12-27 12-29 12-29 12-30 POS Debit - VCC 7758 Transaction MetroMart Albany GA Transfer To Credit Card ATM Fee - Withdrawal Exxon Food Mart Albany GA ATM Fee - Withdrawal Regions Albany GA POS Debit - VCC 7758 Transaction Walmart USA Albany GA POS Debit - VCC 7758 Transaction Footlocker Albany GA Deposit - ACH Paid From FiNation Payroll 01Afd1 POS Debit Visa Check Card 7758 Sq *cafe2200 Albany GA POS Debit Visa Check Card 7758 Wings And More6304 Albany GA POS Debit Visa Check Card 7758 The Warehouse Albany GA ATM Fee - Withdrawal Pilot Ts 260 At Albany GA Deposit - ACH Paid From FiNation Payroll 01Afd1 ATM Fee - Withdrawal Regions Albany GA ATM Fee - Withdrawal Regions Albany GA POS Debit Visa Check Card 7758 *AthletesFoot Albany GA POS Debit Visa Check Card 7758 Kmart Albany GA Deposit - ACH Paid From FiNation Payroll 01Afd1 ATM Withdrawal 10-21-17 Regions Albany GA AutoBillPay Greater Region *Albany GA POS Debit - VCC 7758 Transaction MetroMart Albany GA POS Debit Visa Check Card 7787 Lounge 240 Albany GA Deposit - ACH Paid From FiNation Payroll 01Afd1 POS Debit - VCC 7758 Transaction McDonalds Albany GA POS Debit Visa Check Card 7758 *Shell Albany GA Amount($) 841.06 56.33400.0022.95330.50116.28167.71841.06 24.5832.1669.51443.50841.06 163.50273.50 127.66178.31841.06 523.50875.0024.8773.63841.06 13.1155.28- Balance($) 633.82 1474.88 1481.55 1018.55 995.60 665.10 548.82 381.11 1222.17 1197.59 1165.43 1095.92 652.42 1493.48 1329.98 1056.48 928.82 750.51 1591.57 1068.07 193.07 168.20 94.57 935.63 922.52 867.24 Page 3 of 3 Statement Period 12/01/17 - 12/31/17 Access No. 9577266 Statement of Account For QUINCEY DAVIS Fee(s) Total this period Total year-to-date* $0.00 $0.00 $0.00 $0.00 Total Overdraft Fee(s) Total Returned Item Fee(s) *As of the first statement period that begins in January of each year. Savings Membership Savings – 3066976659 Joint Owner(s): NONE Date Transaction Detail 12-01 Beginning Balance Amount($) Balance($) 237.00 No Transactions This Period 12-31 Ending Balance 237.00 Disclosure Information • The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance. • We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance" we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges. • You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for the billing cycle and divide the total by the number of days in the billing cycle. • If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate" by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together. What to Do if You Think You Find a Mistake on Your Statement Errors Related to a Checking Line of Credit Advance If you think there is an error on your statement, write to us at: Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244. You may also contact us on the Web: navyfederal.org. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • 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 (or electronically). You may call us, but if you do, we are not required to investigate any potential error, 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. If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the time of our investigation. Errors Within Your Checking Account, Money Market Savings Account, or Savings Account In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. • 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. • 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 provisionally 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. Payments Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts. Page 1 of 3 Statement of Account Statement Period 02/01/18 – 02/28/18 Access No. 9577266 Routing Number: 2560-7497-4 #BWNLLSV #000000P8U0WRU1A7#000NMO91C FREDDICK C. HIGHTOWER 136 MULBERRY LANE Questions about this Statement? Toll-free in the U.S. 1-888-842-6328 For toll-free numbers when overseas, visit navyfederal.org/overseas/ Collect internationally 1-703-255-8837 BLAKELY, GA 39823 Go Green by turning off your paper statements! Suppress, View and Request statements via Navy Federal Online Account Access Summary of your deposit accounts EveryDay Checking 7051875684 Membership Savings 3066976659 Totals Previous Balance Deposits/ Credits Withdrawals/ Debits Ending Balance YTD Dividends $1,584.26 $2,658.84 $4,566.50 $0.00 $0.01 $237.00 $0.00 $0.00 $237.00 $0.00 $1,821.26 $2,658.84 $4,566.50 $237.00 $0.01 REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT FREDDICK C. HIGHTOWER 9507266 MARK "X" TO CHANGE ADDRESS/ORDER ITEMS ON REVERSE NFCU PO BOX 3100 MERRIFIELD VA 22119-3100 DEPOSIT VOUCHER (FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL) ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED 7051875684 Checking 3066976659 Savings TOTAL Page 2 of 3 Statement Period 02/01/2018 – 02/28/2018 Access No. 9577266 Statement of Account For FREDDICK C. HIGHTOWER Checking EveryDay Checking – 7051875684 Joint Owner(s): NONE Date Transaction Detail 02-01 Beginning Balance 02-02 Deposit - ACH Paid From THE HAIR LOFT Payroll 01Afd1 02-03 ATM Fee - Withdrawal MetroMart Albany GA 02-03 ATM Fee - Withdrawal Dawson Road Foo Albany GA 02-05 ATM Withdrawal Tnssmart Albany GA 02-06 ATM Withdrawal Slappey Road Foo Albany GA 02-08 POS Debit Visa Check Card 7758 Sq *cafe2200 Albany GA 02-08 AutoBillPay Greater Region *Albany GA 02-09 Deposit - ACH Paid From THE HAIR LOFT Payroll 01Afd1 02-10 ATM Fee - Transaction Walmart Superce Albany GA 02-12 POS Debit Visa Check Card 7758 Footlocker USA Albany GA 02-12 POS Debit Visa Check Card 7758 McDonalds Albany GA 02-13 ATM Withdrawal Dawson Road Foo Albany GA 02-13 POS Debit Visa Check Card 7758 China Garden USA Albany GA 02-14 AutoBillPay Check Card 7758 *City of Albany USA 02-14 Deposit 02-15 ATM Fee - Withdrawal Regions Albany GA 02-15 ATM Fee - Withdrawal MetroMart Albany GA 02-16 Deposit - ACH Paid From THE HAIR LOFT Payroll 01Afd1 02-17 ATM Fee - Withdrawal Slappey Foodmart Albany GA 02-18 POS Debit Visa Check Card 7758 Footlocker Albany GA 02-20 POS Debit Visa Check Card 7758 AthletesFoot Albany GA 02-21 ATM Withdrawal Dawson Road Foo Albany GA 02-23 Deposit - ACH Paid From THE HAIR LOFT Payroll 01Afd1 02-25 ATM Withdrawal Regions Albany GA 02-26 POS Debit Visa Check Card 7787 Kmart 153 Albany GA Amount($) 664.71 560.00103.5022.9523.0016.2875.00664.71 263.5074.8712.2323.0031.7940.0070.00 20.0043.50664.71 23.5091.2654.8763.50664.71 83.5078.88- Page 3 of 3 Statement Period 02/01/2018 – 02/28/2018 Access No. 9577266 Statement of Account For FREDDIK C. HIGHTOWER ...
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Final Answer

Attached.

Surname 1
Name:
Instructor:
Course:
Date:
Bank Statements Revision
The attached word documents address the question “MAKE revisions to bank statements for
Accounting Course” as follows:

1. Revision for Freddrick March 2017 statement
2. Revision for Freddrick April 2017 statement


Page 1 of 3

Statement of Account
Statement Period
03/10/17 – 04/07/17
Access No. 9577266
Routing Number: 2560-7497-4

#BWNLLSV
#000000P8U0WRU1A7#000NMO91C

Questions about this Statement?

FREDDICK C. HIGHTOWER
136 MULBERRY LANE
BLAKELY, GA 39823
Toll-free in the U.S. 1-888-842-6328
For toll-free numbers when overseas,
visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837
Go Green by turning off your paper statements!
Suppress, View and Request statements via
Navy Federal Online Account Access

Summary of your deposit accounts

EveryDay Checking
7051875684
Membership Savings
3066976659
Totals

Previous
Balance

Deposits/
Credits

Withdrawals/
Debits

Ending
Balance

YTD
Dividends

$1,584.26

$3,955.64

$4,566.50

$0.00

$0.01

$237.00

$0.00

$0.00

$237.00

$0.00

$3,955.64

$4,566.50

$237.00

$0.01

$1,821.26

NFCU
PO BOX 3100
MERRIFIELD VA 22119-3100

FREDDICK C. HIGHTOWER

9507266

MARK "X" TO CHANGE
ADDRESS/ORDER
ITEMS ON REVERSE

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR
NEXT STATEMENT

DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH
THE MAIL
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE
WITHDRAWAL)
ACCOUNT NUMBER
ACCOUNT TYPE

7051875684

Checking

3066976659

Savings

TOTAL

AMOUNT ENCLOSED

Page 2 of 3

Statement Period
03/10/17 – 04/07/17
Access No. 9577266
Statement of Account
For FREDDICK C. HIGHTOWER

Checking
EveryDay Checking – 7051875684
Joint Owner(s): NONE
Date

Transaction Detail

Amount($)

Balance($)

03-10
03-10
03-14
03-14
03-16

Beginning Balance
Deposit - ACH Paid From THE HAIR LOFT Payroll 01Afd1
ATM Fee - Withdrawal MetroMart Albany GA
ATM Fee - Withdrawal Dawson Road Foo Albany GA
ATM Withdrawal Tnssmart Albany GA

664.71
560.00103.5022.95-

1760.71
2425.32
1865.32
1761.82
1739.32

03-17
03-18
03-18
03-19

Deposit - ACH Paid From THE HAIR LOFT Payroll 01Afd1
ATM Withdrawal Slappey Road Foo Albany GA
POS Debit Visa Check Card 7758 Sq *cafe2200 Albany GA
AutoBillPay Greater Region *Albany GA

664.71
23.0016.28875.00-

1666.10
1716.32
1700.04
825.04

03-20
03-22
03-23
03-23

ATM Fee - Transaction Walmart Superce Albany GA
POS Debit Visa Check Card 7758 Footlocker USA Albany GA
POS Debit Visa Check Card 7758 McDonalds Albany GA
ATM Withdrawal Dawson Road Foo Albany GA

263.5074.8712.2323.00-

1402.60
1327.73
1315.50
1292.50

03-24
03-25
03-26
03-26
03-27
03-27

Deposit - ACH Paid From THE HAIR LOFT Payroll 01Afd1
POS Debit Visa Check Card 7758 China Garden USA Albany GA
AutoBillPay Check Card 7758 *City of Albany USA
Deposit
ATM Fee - Withdrawal Regions Albany GA
ATM Fee - Withdrawal MetroMart Albany GA

664.71
31.7940.00270.00
400.00643.50-

1666.10
1260.71
1220.71
1490.71
1090.71
447.21

03-28
03-29
03-29
03-31

ATM Fee - Withdrawal Slappey Foodmart Albany GA
POS Debit Visa Check Card 7758 Footlocker Albany GA
POS Debit Visa Check Card 7758 AthletesFoot Albany GA
ATM Withdrawal Dawson Road Foo Albany GA

523.5091.2654.8763.50-

764.77
673.51
618.64
555.14

03-31

Deposit - ACH Paid From THE HAIR LOFT Payroll 01Afd1

664.71

1666.1
0

04-04
04-07

ATM Withdrawal Regions Albany GA
POS Debit Visa Check Card 7787 Kmart 153 Albany GA

683.5078.88-

712.70
633.82

Page 3 of 3

Statement Period
03/10/17 - 04/07/17
Access No. 9577266

Statement of Account
For QUINCEY DAVIS

Fee(s)

Total
this period

Total
year-to-date*

$0.00
$0.00

$0.00
$0.00

Total Overdraft Fee(s)
Total Returned Item Fee(s)
*As of the first statement period that begins in January of each year.

Savings
Membership Savings – 3066976659
Joint Owner(s): NONE
Date

Transaction Detail

03-10

Beginning Balance

Amount($)

Balance($)

237.00
No Transactions This Period

04-09

Ending Balance

237.00

Disclosure Information

• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.
• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"
we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance
Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for
the billing cycle and divide the total by the number of days in the billing cycle.
• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"
by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

What to Do if You Think You Find a Mistake on Your Statement
Errors Related to a Checking Line of Credit Advance
If you think there is an error on your statement, write to us at:
Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.
You may also contact us on the Web: navyfederal.org.
In your letter, give us the following information:
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• 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 (or electronically). You may call us, but if you do, we are not required to investigate any potential error, 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 a...

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