Agreement for Use of 24-Hour ATM Card

In this Agreement, the words "you" and "your" mean the cardholder or holders and anyone else you authorize to use the 24-Hour ATM card. The words "we", and "us", "our" and "Bank" mean the card issuer, Bank of Holly Springs.


By requesting and receiving, signing, using or authorizing another to use the 24-Hour ATM card, you promise to follow the terms and conditions of this Agreement, as amended from time to time.


If you furnish your 24-Hour ATM card and secret number to another person, you will be liable for all transfers made by that person through use of the card prior to the time you notify us that transfers by that person are no longer authorized.

Other Agreements

All transactions through the 24-Hour Automated Teller machines are also subject to the rules and regulations in effect which independently govern use of your checking, savings and Bank credit card accounts.

Amendments or Cancellation

We can amend this Agreement at any time. If the law requires us to notify you in a certain way, we will do so. The 24-Hour ATM card is the property of Bank of Holly Springs, Holly Springs, Mississippi. The features of this card or any part thereof may be terminated by the Bank. The card must be returned immediately upon request by the Bank.


If we have to notify you of anything concerning your 24-Hour ATM card, we will use your name and address as it appears in our records.


Disclosure of Consumers' Liability for Unauthorized Transfers and Optional Disclosure of Advisability of Prompt Reporting

Tell us AT ONCE if you believe your card or secret PIN number has been lost or stolen. Telephoning is the best way of keeping your losses down. You could lose all the money in your account. If you tell us within 2 business days, you can lose no more than $50 if someone used your card without permission.

If you do NOT tell us within 2 business days after you learn of the loss or theft of your card, and we can prove we could have stopped someone from using your card without permission if you had told us, you could lose as much as $500.00

Also, if your statement shows transfers that you did not make, tell us at once. If you did not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (e.g., long trip or hospital stay) kept you from telling us, we will expand the time period.

Disclosure of Telephone Number and Address to be notified in Event of Unauthorized Transfer

If you believe your card has been lost or stolen or that someone has transferred or may transfer money from your account without permission call or write: Bank of Holly Springs, P.O. Box 250, Holly Springs, MS 38635 (662) 252-2511.

Disclosure of what constitutes Business Day of Institution

Business days are Monday-Thursday 8:30 a.m. to 4:00 p.m. On Fridays, business hours are 8:30 a.m. to 5:30 p.m. Holidays are exceptions.

Disclosure of Charges for Transfers or Right to Make Transfers

There is no charge for each transaction you make using our automated teller machine when you access them with a Bank of Holly Springs 24-Hour ATM card.

Note: There will be an additional charge if you use your Bank of Holly Springs ATM card at any location other than Bank of Holly Springs for a withdrawal.

Your Bank of Holly Springs ATM card will be accepted at any ATM where you see the following network logos, GULFNET, MONEY BELT, PLUS and INTERLINK. You can get cash advances from your VISA, MASTER CARD, AMERICAN EXPRESS or DISCOVER CARD at our ATM's by first obtaining a Personal Identification Number (PIN) from the card issuer.

Disclosure of Types of Available Transfers and Limits of Transfers

You may use card to:

  • Withdraw cash from your checking or savings account.
  • Transfer funds between your checking or savings accounts.
  • Determine account balances.
  • Deposit to your checking or savings accounts.

Deposits and loan payments can be made at our night depository located at the front side of the bank anytime.

Cash withdrawals using your Bank of Holly Springs 24-Hour ATM card are limited to $200 per banking day or your available account balance, whichever is less. Saturday, Sunday and Monday are considered one banking day. Three day holidays are also considered one banking day.

Disclosure of Account Information to Third Parties

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

  • where it is necessary for completing transfers, or
  • in order to verify the existence and condition of your account for a third party, such as a credit bureau; or
  • in order to comply with government agency or court orders; or
  • if you give us your written permission.

Disclosure of Right to Receive Documentation of Transfers

You get a receipt at the time you make any transfer to or from your account using one of our automated teller machines.

We will send you a statement on your checking account monthly if any transactions (not limited to electronic transfers) occur during the month.

You may receive a notice or statement on your savings account for any month in which there is an electric transfer. In any case, you will receive a quarterly statement.

Disclosure of Financial Institution's Liability for Failure to Make Transfers

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your loss or damages. However, there are some exceptions. We will not be liable, for instance;

  • If through no fault of ours, you do not have enough money in your account to make the transfer.
  • If the automated teller machine where you are making the transfer does not have enough cash.
  • If the terminal was not working properly and you knew about the breakdown when you started the transfer.
  • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
  • If such transfer would exceed an established credit limit.
  • If there are funds in your account subject to legal process or other encumbrance restricting such transfer.
  • If there has been incomplete or inaccurate information forwarded by the third party payor or payee.
  • If your account has been blocked due to a reported lost or stolen 24-Hour ATM card.

There may be other exceptions stated in our agreement with you.

Error Resolution Notice

In case of errors or questions about your electronic transfers, phone us or write us at: Bank of Holly Springs, P.O. Box 250, Holly Springs, MS 38635, (662) 252-2511. Contact us 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.

If you have a problem, follow these steps:

  • Tell us your name and account number.
  • 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.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your account within 10 business days 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. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your account. If we decide there was no error, we will send you a written explanation within 3 business days after we finish our investigation, and you must return the money we credited. You may ask for copies of the documents that we used in our investigation.