Village Bank: Community Banking in Anoka County, St. Francis, East Bethel, Blaine, Ramsey, MN / Free Checking / Personal Checking / Business Checking"

Disclosures & Policies

Standard Privacy Policy
To inquire about our Standard Privacy Policy, click here or contact us at the address below:

Village Bank
3350 Bridge St. NW
P.O. Box 257
St. Francis, MN 55070
763-753-3007
763-753-6002 (fax)
customerservice@villagebankonline.com

Electronic Privacy Policy
Visitors to our website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:

Date and time our site was accessed
IP address (A numeric address given to servers connected to the Internet)
Web browser used
City, state, and country

Village Bank uses this information to create summary statistics and to determine the level of interest in information available on our site.

Visitors may elect to provide us with personal information via email or online enrollment forms. This information is only used internally, as appropriate, to handle the sender's request. We do not give or sell customer information to other organizations.

Some areas of our Website may use "cookies" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to determine if you have visited the site before.

Regulation E - Electronic Funds Transfer Agreement and Disclosure
Click here for more information.

Regulation CC - Funds Availability Disclosure
Click here for more information.

IN CASE OF ERROR OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS:
If you think your statement or receipt is incorrect or you need more information about an electronic transfer on the statement or receipt, contact us by telephone or in writing as soon as possible at one of our locations. Please reference our contact information below. Consumers must contact us no later than 60 days from the item’s date as it appears on the statement or receipt where the error or problem appeared. In your correspondence, please provide us with the following information:

1. Your name and account number.

2. The dollar amount of the error or electronic transfer in question.

3. A description of the error and a detailed explanation of why you believe there is an error. If you need additional information about an electronic transfer, describe the item you are unsure about.

We will tell you the results of our investigation within 10 business days and will correct any error promptly. If we need more time, we may take up to 45 days (90 days if the transfer involved a point of sale transaction or foreign initiated transfer) to investigate your complaint. In that case we will recredit 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. The guidelines for the investigation process do not apply to commercial accounts.

St Francis 3350 Bridge Street, NW St Francis, MN 55070 763-753-3007

Blaine            9298 Central Avenue NE, Blaine, MN 55434                    763-780-2100
Ramsey         7125 Riverdale Drive, Ramsey, MN 55303                       763-398-8000
East Bethel    18770 Highway 65 NE, East Bethel, MN 55011               763-398-8050

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR CREDIT LINE:
If you think there is an error on your statement, write to us at:

Village Bank
3350 Bridge Street NW
St. Francis, MN 55070

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. 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 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.

The guidelines for the investigation process do not apply to commercial credit.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:

Village Bank
3350 Bridge Street NW
St. Francis, MN 55070

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. The guidelines for the investigation process do not apply to commercial credit.

DO NOT CALL POLICY
If you do not want to receive sales calls from the bank, you can ask us to place your telephone number on our internal “Do Not Call” list. We will document your request within ten business days, but please allow up to 30 days for your telephone number to be removed from any sales programs that are currently underway.

Submit your request to be placed on the list either in writing or by phone and include your name, address and phone number. If you are requesting multiple phone numbers to be included, please list all phone numbers.
Your phone number(s) will remain on our list for five years unless you ask to be removed.
If your telephone number changes, you must give us your new number if you want your “Do Not Call” status to remain in effect.

Please keep in mind that regulations may permit us to contact you even if your telephone number is registered with the state or national list. For instance, we may still contact you if you were a customer in the last 18 months. We may contact current customers to discuss your accounts.

VILLAGE BANK

Marketing Department

18770 Highway 65 NE

East Bethel, MN 55011
763-398-8050


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