Community Reinvestment Act Notice
Funds Availability Policy
Unlawful Internet Gambling Notice – Business Banking Notice
USA PATRIOT Act Notice
Transparency In Coverage Rule
Community Reinvestment Act
Under the federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us.
Your involvement is encouraged.
You are entitled to certain information about our operations and our performance under the CRA including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the FDIC; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.
At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks scheduled for CRA examination in that quarter. This list is available from the Regional Director, FDIC, 350 Fifth Avenue, Suite 1200, New York, NY 10118-0110. You may send written comments about our performance in helping to meet community credit needs to CRA Officer, InFirst Bank, 935 Philadelphia Street Indiana, PA 15701, and the FDIC Regional Director. You may also submit comments electronically through the FDIC’s Web site at
www.fdic.gov/regulations/cra. Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.
You may ask to look at any comments received by the FDIC Regional Director. You may also request from the FDIC Regional Director, an announcement of our applications covered by the CRA filed with the FDIC.
Funds Availability Policy
Our general policy is to allow you to withdraw funds deposited in your account on the next business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the next business day. The funds will then generally be available by the second business day after the day of deposit. Fore more information please click here.
Unlawful Internet Gambling Notice – Business Banking
In accordance with Regulation GG (Unlawful Internet Gambling Enforcement Act), this notice is to inform you that restricted transactions are prohibited from being processed through the Banks Business Banking accounts or relationship.
“Unlawful Internet Gambling” is defined in UIGEA as placing, receiving, or otherwise knowingly transmitting a bet or wager by any means which involves the use, at least in part, of the Internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received, or otherwise made.
“Restricted transactions” are defined in Regulation GG to be transactions in which funds are knowingly accepted by gambling businesses in connection with participation by others in unlawful Internet gambling. Restricted transactions are prohibited from being processed through any account you hold with our institution. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, debit card or credit card transactions, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling. Internet gambling will generally be considered to be unlawful unless verifiable authorization is obtained by an appropriate State or Tribal authority.
By maintaining an account with the Bank, you agree to notify us if your account is ever used for Internet gambling of any kind, even if you believe the activity to be legal. If you do not, we may terminate your access to various payment methods or close your account. InFirst Bank is required by law to enforce this prohibition.
USA PATRIOT Act Notice
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.