July 2025
P.O. Box 26458 Reporting Activity 06/11 - 07/10 Page 1 of 6
Kansas City, MO 64196-6458
Managing Your Accounts
Customer Care
(888) 929-2265
Center:
WILLIAM E BEYKOVSKY
1985 PILGRIM PKWY Telebank: (888) 929-2265
BROOKFIELD WI 53005-5147
Online: [Link]
P.O. Box 26458
Mailing:
Kansas City, MO 64196-6458
Summary of Accounts
Managing your accounts has never been easier. Below you will find a summary of your deposit
and loan accounts over the past 30 days all in one location. We also encourage you to bank
anytime, anywhere with Digital banking. Pay bills, transfer balances, review transactions and
more. For more information, go to [Link]/digitalbanking.
Account Type Account Number Ending Balance
ACCESS CHECKING XXXXXXXXXXXXXXX41 $706.49
Ending Balance $706.49
30fadd9e-b5f5-4347-b025-30f033b1030c 20250710 Checking Account Statements
Please examine your statement immediately and report in writing any incorrect information. If no reply is received within 30 days after we send you
(if you receive paper statements) or make available to you (if you have enrolled in [Link] or otherwise elected to no longer receive paper
statements) the FIRST statement on which there is incorrect information the account will be considered correct. If the incorrect information is
regarding an electronic transfer the time limit is extended from 30 days to 60 days for you to report incorrect information in writing.
OVERDRAFT ALTERNATIVES
Overdrafts can be expensive and can best be avoided by keeping track of your account balance by entering all items in your check register, reconciling
your account statement to your check register regularly and managing your finances responsibly. We offer several services to assist you with managing
your account including online banking, alerts via email or text message when your balance falls below a level you set. Please visit your local banking
center or log on to Digital Banking and send us a secure message or chat with us to learn more about these services or to receive assistance with
enrolling. We also offer products that will help you avoid overdraft fees:
Overdraft Protection Transfers – Secondary Checking, Savings and Money Market accounts may be used to avoid overdraft fees for customer checking
accounts. Only one account may be linked to each checking account for this service. When checks or other debits present against your account in
amounts that would create an overdraft or returned items, the bank will transfer funds from your linked account in $100 increments sufficient to cover
the items (subject to funds availability in the linked account). Linking a secondary checking account for overdraft protection transfers could result in
overdrafts or returned items in the secondary account. Sign up for this service at any Banking Center or log on to Digital Banking and send us a secure
message.
Ready Cash Reserve Line of Credit -The Bank offers a Ready Cash Reserve line of credit that is attached to any checking or Money Market account.
Based on credit qualification, lines are available for a minimum of $300 to a maximum of $3,000, with an APR of 15.9%. Interest is charged only for the
number of days outstanding. A minimum monthly payment equal to the greater of 5% of the outstanding balance or $25 will be auto-deducted from the
consumer’s checking account. Additional or larger payments may be made at any time through online banking or by contacting the Bank. Advances are
in $100 increments and are transferred automatically to cover a negative balance. An advance may be made manually through online banking or upon
request. Contact any Banking Center or log on to Digital Banking and send us a secure message for more information or to complete an application.
You may instruct us to never pay any item that would overdraw your account. Opting out of all overdrafts may still result in returned item fees being
assessed. To opt out of all overdrafts contact any Banking Center or email us at ODOptOut@[Link].
IN CASE OF ERRORS OR QUESSTIONS ABOUT YOUR ELECTRONIC TRANSFERS
If you believe a debit card transaction on your statement is an error, please notify us immediately. Call our Dispute call center at 883-995-2888. Or
Write us at P O Box 26458, Attn: Debit Card Operations, Kansas City, MO 64196. You will need to provide your name, debit card number, the date, and
the dollar amount of the transaction you are disputing, and the merchant named in the description. We must hear from you no later than 60 days after
we sent you (if you receive paper statements by mail) or make available to you on-line (if you have either enrolled in [Link] or otherwise elected
to no longer receive paper statements) the FIRST statement on which the error or problem appeared. 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. If you have questions about any other type of transaction,
ACH, check, deposit, please log on to Digital Banking and submit a secure email for the fastest service. You may write us at the address above. Please
provide all transaction details in your message.
YOUR READY CASH RESERVE LOAN ACCOUNT SUMMARY OF RIGHTS IS OUTLINED BELOW
This is a summary of your rights; a full statement of your rights and our responsibilities under the Federal Fair Credit Billing Act will be sent to you both
upon request and in response to a billing error notice. Your Ready Cash Reserve Loan Account is operated in conjunction with your Demand Deposit
Account. Any charges for your checking account will be made to the Demand Deposit Account and they will be the same charges as are made for
Demand Deposit Accounts not operated in conjunction with Loan Accounts. The following information thus applies to only to loans made lo you under
your Ready Cash Reserve Loan Account line of credit.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR READY CASH RESERVE LOAN
If you think your bill is wrong, or if you need more information about a transaction on your bill, write us (on a separate sheet of paper) at the address
shown on your bill as soon as possible. We must hear from you no later than 60 days after we sent you (if you receive paper statements by mail) or
make available to you on-line (if you have either enrolled in [Link] or otherwise elected to no longer receive paper statements) the FIRST bill on
which the error or problem appeared. You can phone us but doing so will not preserve your rights. In your letter, give us the following information: 1)
your name and account number, 2) The dollar amount of the suspected error, and 3) Describe the error. If you need more information, describe the item
you are unsure about. You do not have to pay any money in question while we are investigating, but you are still obligated to pay the parts of your bill
that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount in question.
We figure a portion of the FINANCE CHARGE on your Ready Cash Reserve Loan Account by applying the daily periodic rate(s) to the "Daily Balance" of
your account for the billing cycle. To get the "Average Daily Balance" we take the beginning balance of your account each day, add any new advances,
and subtract any payments or credits and unpaid FINANCE CHARGES. This gives us the daily balance. The minimum periodic payment required is shown
on the front of this bill. You may pay off your Ready Cash Reserve Loan balance at any time or make voluntary additional payments. Payments shall be
applied, first to any unpaid FINANCE CHARGES, and second to the principal loan balance outstanding in your Ready Cash Reserve Loan Account. Periodic
statements may be sent to you (if you receive paper statements by mail) or made available to you on-line (if you have either enrolled in [Link] or
otherwise elected to no longer receive paper statements) at the end of each billing cycle showing your Ready Cash Reserve Loan Account loan
transactions. Send payments and inquiries to address shown on the front of bill. NOTE: Payments received after close of business shall be deemed
received on the following business day for purposes of crediting your account.
30fadd9e-b5f5-4347-b025-30f033b1030c 20250710 Checking Account Statements
July 2025
Reporting Activity 06/11 - 07/10 Page 3 of 6
ACCESS CHECKING- XXXXXXXXXXXXXXX41
Account Summary
Date Description
06/11/2025 Beginning Balance $542.58 Minimum Balance $528.95
Total debits this period $3,919.42 Average Balance $1,328.19
Total credits this period $4,083.33 Average Ledger Balance $1,328.19
07/10/2025 Ending Balance $706.49
Effective July 1, We are increasing the amount we make available for withdrawal by checks not subject to next day
availability to $275. In addition, the amount available for withdrawal on exception holds for large deposits, new accounts,
and the amount for determining a repeat overdraft is increasing to $6,725.
Our Deposit Account Agreement has been updated to reflect this change. Our Deposit Account Agreement provides the
general rules that apply to the account(s) you have with us, including policies, account information and legal statements.
To obtain a copy of the revised Deposit Account Agreement, please log in to Digital Banking or pick up a printed version
at any Banking Center. You may also contact our Customer Care Center and request that a copy be mailed to you.
Please review the revised Deposit Account Agreement carefully and keep it as a reference any time you have questions
about your account.
Account Activity
Transaction Date Description Debits Credits Balance
06/11/2025 Beginning Balance $542.58
06/11/2025 335801 PURCHASE AAFES CAMPBELL A FORT -$13.63 $528.95
CAMPBELL XX 06710413 5162133
06/12/2025 DFAS-IN IND, IN ARMY ACT XXXXX5827 $2,002.66 $2,531.61
06/12/2025 87032 POS SIGNATURE SMASHBURGER CENT -$20.10 $2,511.51
OAK GROVE KY INB500 516222030018
06/12/2025 74963 POS SIGNATURE DD *DOORDASH SON -$32.61 $2,478.90
855-973-1040 CA IN8900 5163257425
06/13/2025 27738 CHECKING PYMT MICROSOFT REDMOND -$11.01 $2,467.89
WA 00000007 516400340232
06/13/2025 95127 POS SIGNATURE DD *DOORDASH MUG -$31.02 $2,436.87
855-973-1040 CA IN6600 5164277167
06/13/2025 761835 FUNDING DEBIT CASH APP*WILLIAM -$305.00 $2,131.87
Oakland CA 1 516407761826
06/16/2025 194959 INTRBNK XFER CASH APP*WILLIAM $78.60 $2,210.47
Oakland CA 1 516524194934
06/16/2025 389048 FUNDING DEBIT CASH APP*ALEAH E -$1.00 $2,209.47
Oakland CA 1 516519389027
06/16/2025 10483 POS SIGNATURE DD *DOORDASH JER -$32.57 $2,176.90
855-973-1040 CA INB900 5165277188
06/16/2025 21531 POS SIGNATURE DD *DOORDASHOFFI -$52.77 $2,124.13
855-973-1040 CA INC000 5165297428
06/16/2025 83118 DDA RECUR GEICO *AUTO 800-841-3000 -$57.04 $2,067.09
DC INC300 516428107944
06/16/2025 391279 FUNDING DEBIT CASH APP*ALEAH E -$60.00 $2,007.09
Oakland CA 1 516519391258
06/16/2025 19222 POS SIGNATURE DD *DOORDASH BUF -$62.46 $1,944.63
[Link] CA APGEHDCX 51652910
30fadd9e-b5f5-4347-b025-30f033b1030c 20250710 Checking Account Statements
July 2025
Reporting Activity 06/11 - 07/10 Page 4 of 6
ACCESS CHECKING- XXXXXXXXXXXXXXX41 (continued)
Account Activity (continued)
Transaction Date Description Debits Credits Balance
06/16/2025 15563 POS SIGNATURE DD *DOORDASH STE -$71.77 $1,872.86
855-973-1040 CA INB900 5166247440
06/16/2025 11378 POS SIGNATURE DD *DOORDASH IHO -$79.97 $1,792.89
[Link] CA APGEHDCX 51662210
06/16/2025 49020 FUNDING DEBIT CASH APP*WILLIAM -$300.00 $1,492.89
Oakland CA 1 516523048995
06/17/2025 4987 POS SIGNATURE DD *DOORDASH DUN -$16.48 $1,476.41
855-973-1040 CA IN9200 5168277182
06/17/2025 65357 POS SIGNATURE WHATABURGER 1349 -$38.72 $1,437.69
CLARKSVILLE TN IN8000 51682810137
06/18/2025 71644 POS SIGNATURE DD *DOORDASH FIR -$33.34 $1,404.35
855-973-1040 CA IN1410 5169227443
06/18/2025 133429 POS SIGNATURE CASEY S # 4468 1 -$40.35 $1,364.00
CLARKSVILLE TN 99999999 516914129
06/20/2025 92713 POS SIGNATURE 3986 PBC SMYRNA -$2.50 $1,361.50
NASHVILLE TN IN1070 517021102891
06/20/2025 41497 CHECKING PYMT HULU SANTA MONICA -$17.84 $1,343.66
CA 00001000 517100433378
06/20/2025 70818 POS SIGNATURE DD *DOORDASH KRI -$39.30 $1,304.36
855-973-1040 CA IN9000 5171267146
06/20/2025 89663 POS SIGNATURE DD *DOORDASHCHIN -$62.88 $1,241.48
855-973-1040 CA IN1410 5169247424
06/23/2025 67575 POS SIGNATURE DD *DOORDASH JER -$36.67 $1,204.81
855-973-1040 CA IN7200 5172277448
06/24/2025 7754 POS SIGNATURE DD *DOORDASH JER -$31.03 $1,173.78
855-973-1040 CA IN2000 5175257422
06/24/2025 534619 PURCHASE EMPIRE SMOKES -$44.95 $1,128.83
CLARKSVILLE TN 9197CL01 517523534619
06/24/2025 Credit Karma Transfer 16306171235 -$10.00 $1,118.83
06/25/2025 89228 POS SIGNATURE DD *DOORDASH JER -$42.87 $1,075.96
855-973-1040 CA INA500 5176277443
06/26/2025 70835 POS SIGNATURE DD *DOORDASH DOL -$7.75 $1,068.21
[Link] CA APGEHDCX 51772710
06/26/2025 64426 POS SIGNATURE DD *DOORDASH BIL -$20.16 $1,048.05
[Link]/ CA RWJDESIB 5177241
06/26/2025 93347 POS SIGNATURE SQ *COSTA AZUL G -$75.94 $972.11
Clarksville TN IN0002 51772310596
06/26/2025 26447 POS SIGNATURE BLACKHORSE PUB & -$77.09 $895.02
CLARKSVILLE TN 00003916 517723386
06/27/2025 21606 POS SIGNATURE DD *DOORDASH KRI -$33.82 $861.20
855-973-1040 CA IND100 5178237126
06/27/2025 874483 PURCHASE BATH AND BODY WO -$52.44 $808.76
CLARKSVILLE TN 43904104 517721874
06/30/2025 DFAS-IN IND, IN ARMY ACT XXXXX5827 $2,002.07 $2,810.83
06/30/2025 60237 POS SIGNATURE CTLP*NATIONAL EN -$5.20 $2,805.63
COLUMBUS CO 00000448 518122390364
06/30/2025 58467 POS SIGNATURE DD *DOORDASH DOL -$7.75 $2,797.88
[Link] CA APGEHDCX 51802110
06/30/2025 67523 POS SIGNATURE PHOENIX THEATRES -$22.96 $2,774.92
CLARKSVILLE TN INB500 51782338782
30fadd9e-b5f5-4347-b025-30f033b1030c 20250710 Checking Account Statements
July 2025
Reporting Activity 06/11 - 07/10 Page 5 of 6
ACCESS CHECKING- XXXXXXXXXXXXXXX41 (continued)
Account Activity (continued)
Transaction Date Description Debits Credits Balance
06/30/2025 40277 POS SIGNATURE DD *DOORDASH WIC -$23.40 $2,751.52
[Link]/ CA 2RAMUNLR 5180241
06/30/2025 16833 POS SIGNATURE DD *DOORDASH BIL -$24.09 $2,727.43
[Link]/ CA RWJDESIB 5180221
06/30/2025 2916 POS SIGNATURE DD *DOORDASH ATL -$26.12 $2,701.31
855-973-1040 CA IN1400 5181217180
06/30/2025 22176 POS SIGNATURE SQ *RUFFLED COMP -$61.10 $2,640.21
Clarksville TN INB900 51792010793
06/30/2025 9696 POS SIGNATURE DD *DOORDASH PAR -$65.41 $2,574.80
855-973-1040 CA IN8700 5180277129
06/30/2025 93030 POS SIGNATURE DD *DOORDASH KIS -$113.05 $2,461.75
[Link] CA APGEHDCX 51802810
06/30/2025 5066 POS SIGNATURE CALLE TACO 629-4653026 -$115.97 $2,345.78
TN 76138616 517924000364
06/30/2025 26067 POS SIGNATURE STOCKXX*14689968 -$133.48 $2,212.30
[Link] PA INB500 518025716958
06/30/2025 574651 FUNDING DEBIT CASH APP*WILLIAM -$430.00 $1,782.30
Oakland CA 1 518146574603
07/01/2025 67616 POS SIGNATURE DD *DOORDASHDASH -$9.99 $1,772.31
[Link] CA APGEHDCX 51822710
07/01/2025 768819 PURCHASE CAMPBELL SHOPP-K FORT -$11.77 $1,760.54
CAMPBELL XX 06710557 5182227
07/01/2025 753871 PURCHASE CAMPBELL SHOPP-K FORT -$15.96 $1,744.58
CAMPBELL XX 06710557 5182007
07/01/2025 2902 DDA RECUR Microsoft*Ultima 425-6816830 -$20.99 $1,723.59
WA INC600 51822900121
07/01/2025 39106 POS SIGNATURE DD *DOORDASH DOL -$24.24 $1,699.35
855-973-1040 CA INB600 5182217182
07/02/2025 97017 POS SIGNATURE JPS HOT CHICKEN OAK -$3.81 $1,695.54
GROVE KY 76301147 518320993402
07/02/2025 96945 POS SIGNATURE JPS HOT CHICKEN OAK -$40.48 $1,655.06
GROVE KY 76301147 518323993402
07/02/2025 34405 DDA RECUR GEICO *AUTO 800-841-3000 -$56.44 $1,598.62
DC IN7900 518220101266
07/03/2025 19827 POS SIGNATURE DD *DOORDASH KIS -$95.69 $1,502.93
[Link] CA APGEHDCX 51842210
07/07/2025 4038 DDA RECUR Spotify P3859BE7 New York NY -$12.59 $1,490.34
IN8000 518722102399
07/07/2025 617347 CHECKING PYMT NETFLIX COM LOS -$19.70 $1,470.64
GATOS CA 003 518806617347
07/07/2025 2745 POS SIGNATURE MAPCO 7514 -$31.40 $1,439.24
CLARKSVILLE TN 75143414 518500009396
07/07/2025 11985 POS SIGNATURE DD *DOORDASH WIC -$37.30 $1,401.94
[Link]/ CA 2RAMUNLR 5188231
07/07/2025 2438 POS SIGNATURE MICROSOFT*XBOX -$104.99 $1,296.95
[Link] WA DFFBPHK6 518720100
07/07/2025 769665 FUNDING DEBIT CASH APP*WILLIAM -$365.00 $931.95
Oakland CA 1 518502769661
07/08/2025 16596 POS SIGNATURE DD *DOORDASH DOL -$13.92 $918.03
855-973-1040 CA INB900 5188227440
30fadd9e-b5f5-4347-b025-30f033b1030c 20250710 Checking Account Statements
July 2025
Reporting Activity 06/11 - 07/10 Page 6 of 6
ACCESS CHECKING- XXXXXXXXXXXXXXX41 (continued)
Account Activity (continued)
Transaction Date Description Debits Credits Balance
07/08/2025 47401 POS SIGNATURE DD *DOORDASH KRI -$44.88 $873.15
855-973-1040 CA IN1630 5189247421
07/08/2025 Credit Karma Transfer 16445803543 -$10.00 $863.15
07/09/2025 51523 POS SIGNATURE DD *DOORDASH CHI -$53.20 $809.95
855-973-1040 CA INB500 5190247423
07/09/2025 45696 DDA RECUR TMOBILE*AUTO PAY -$65.00 $744.95
800-937-8997 WA IN7200 5189241076
07/10/2025 98388 POS SIGNATURE DD *DOORDASH LIQ -$38.46 $706.49
[Link]/ CA 7NZF5UDF 5191231
07/10/2025 Ending Balance $706.49
ACCESS CHECKING- XXXXXXXXXXXXXXX41
Daily Balances
Date Amount Date Amount Date Amount
06/11/2025 $528.95 06/12/2025 $2,478.90 06/13/2025 $2,131.87
06/16/2025 $1,492.89 06/17/2025 $1,437.69 06/18/2025 $1,364.00
06/20/2025 $1,241.48 06/23/2025 $1,204.81 06/24/2025 $1,118.83
06/25/2025 $1,075.96 06/26/2025 $895.02 06/27/2025 $808.76
06/30/2025 $1,782.30 07/01/2025 $1,699.35 07/02/2025 $1,598.62
07/03/2025 $1,502.93 07/07/2025 $931.95 07/08/2025 $863.15
07/09/2025 $744.95 07/10/2025 $706.49
Overdraft and Returned Item Fees
Total for this period Total year-to-date
Total Overdraft Fees $0.00 $100.00
Total Returned Item Fees $0.00 $0.00
30fadd9e-b5f5-4347-b025-30f033b1030c 20250710 Checking Account Statements