Savings Account
US702 | BR816
ROP 450
Statement
P.O. Box 7000
Providence, RI 02940
Page 1 of 3
Beginning October 01, 2022
through November 30, 2022
Questions? Contact us today:
GERARD M MUHAMMAD
20470 KINGSVILLE ST CALL:
DETROIT MI 48225-2220 Savings Account Customer
Service
1-877-242-7837
VISIT:
Access your account online:
[Link]
MAIL:
Citizens
Customer Service Center
P.O. Box 42001
Providence, RI 02940-2001
GERARD M MUHAMMAD
MYRA L MUHAMMAD
Non-Interest Savings
XXXX-XX5823
Non-Interest Savings for XXXX-XX5823
Balance Calculation Balance
Previous Balance 30,030.64 Average Daily Balance 28,469.70
Withdrawals & Debits - 3,806.46
Interest
Deposits & Credit + 1,000.00 Current Interest Rate .00%
Interest Paid + .00
Annual Percentage Yield Earned .00%
Current Balance = 27,224.18
Number of Days Interest Earned 61
Interest Earned .00
Interest Paid This Year .00
TRANSACTIONDETAILS FOR SAVINGS ACCOUNT ENDING 5823
Previous Balance
Withdrawals & Debits **
**May include checks that have been processed electronically by the payee/merchant.
30,030.64
Date Amount Description
Total Withdrawals &
ATM/Purchases Debits
10/03 200.00 ATM WITHDRAWAL - ZA8545 ROSEVILLE OFFICE, - 3,806.46
ROSEVILLE MI
10/03 500.00 ATM WITHDRAWAL - ZA8303 GROSSE POINTE WOODS
OFF., GROSSE POI
10/03 500.00 ATM WITHDRAWAL - ZA8303 GROSSE POINTE WOODS
OFF., GROSSE POI
10/31 43.00 ATM WITHDRAWAL - SR1324 9885 MAIN ST WHITMORE
AKEMI
Please See Additional Information on Next Page
Page 2 of 3
Non-Interest Savings for XXXX-XX5823 Continued
Withdrawals & Debits (Continued) **
**May include checks that have been processed electronically by the payee/merchant.
Date Amount Description
ATM/Purchases (Continued)
10/31 3.00 NON-CITIZENS ATM FEE - SR1324 9885 MAIN ST
WHITMORE AKEMI
11/17 23.00 ATM WITHDRAWAL - NH0562 27848 Van Dyke Warren MI
11/17 3.00 NON-CITIZENS ATM FEE - NH0562 27848 Van Dyke Warren
MI
Other Withdrawals & Debits
10/26 601.20 LendingClub 8885963157 102622 46649579
11/09 1,332.06 ONLINE TRANSFER TO CHECKING 3030171809
11/28 601.20 LendingClub 8885963157 112822 48204985
Deposits & Credits Total Deposits & Credits
Date Amount Description + 1,000.00
10/07 125.00 ONLINE TRANSFER FROM CHECKING 3030171809
10/14 125.00 ONLINE TRANSFER FROM CHECKING 3030171809
10/21 125.00 ONLINE TRANSFER FROM CHECKING 3030171809
10/28 125.00 ONLINE TRANSFER FROM CHECKING 3030171809
11/04 125.00 ONLINE TRANSFER FROM CHECKING 3030171809
11/14 125.00 ONLINE TRANSFER FROM CHECKING 3030171809
11/18 125.00 ONLINE TRANSFER FROM CHECKING 3030171809
11/25 125.00 ONLINE TRANSFER FROM CHECKING 3030171809
Daily Balance Current Balance
Date Balance Date Balance Date Balance = 27,224.18
10/03 28,830.64 10/28 28,729.44 11/17 27,575.38
10/07 28,955.64 10/31 28,683.44 11/18 27,700.38
10/14 29,080.64 11/04 28,808.44 11/25 27,825.38
10/21 29,205.64 11/09 27,476.38 11/28 27,224.18
10/26 28,604.44 11/14 27,601.38
Page 3 of 3
ELECTRONIC TRANSFERS
In Case of Errors or Questions About Your Electronic Transfers
Checking Account Balance Worksheet (For Consumer Accounts Used Primarily for Personal, Family or Household
Before completing this worksheet, please be sure to adjust your Purposes)
checkbook register balance by Telephone us at the customer service number provided on Page 1 of this statement
Adding any interest earned
or write to us at the customer service address provided as soon as you can, if you
think your statement or receipt is wrong or if you need more information about an
Subtracting any fees or other charges electronic transfer on the statement or receipt. We must hear from you no later than
1
60 days after we sent you the FIRST statement on which the error or problem
appeared.
Your current balance on this statement
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.
Current Balance
2 Tell us the dollar amount of the suspected error and, if possible, the date
it appeared on your statement or receipt.
List deposits which do not appear on this statement
It will be helpful to us if you also give us a telephone number at which
Date Amount Date Amount
you can be reached in case we need any further information.
For consumer accounts used primarily for personal, family, or household purposes,
we will investigate your complaint and will correct any error promptly. If we take
more than 10 business days (20 business days if you are a new customer, for
electronic transfers occurring during the first 30 days after the first deposit is made
to your account) 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.
+ $
(For other accounts, we investigate, and if we find we have made an error, we
Total of 2
3
credit your account at the conclusion of our investigation.)
OVERDRAFT LINES OF CREDIT
Subtotal by adding 1 and 2
BILLING RIGHTS SUMMARY
What To Do If You Think You Find A Mistake On Your Statement:
= $ If you think there is an error on your statement write to us at the customer service
address provided as soon as possible.
Subtotal of 1 and 2
4
In your letter, give us the following information:
List outstanding checks, transfers, debits, POS purchases or
Account information: Your name and account number.
withdrawals that do not appear on this statement.
Dollar amount: The dollar amount of the suspected error.
Date/
Check No.
Amount Date/
Check No.
Amount
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.
Total of 4
INTEREST CHARGE CALCULATIONS FOR OVERDRAFT LINE
5 Subtract 4 from 3. This should match your checkbook register
balance.
OF CREDIT ACCOUNTS BASED ON AVERAGE DAILY
BALANCE COMPUTATION METHOD
Calculating your Interest Charge
We calculate the interest charge on your Overdraft Line by applying the Daily
= $ Periodic Rate to the Average Daily Balance. Then, we multiply that result by the
Total number of days in the billing cycle in which a balance is owed on your Overdraft
CUSTOMER SERVICE Line. This gives us the total interest charge for that billing period.
If you have any questions regarding your account or discover an error,call the
number shown on the front of your statement or write to us atthe following
Calculating your Average Daily Balance
address:
To calculate the average daily balance, we take the beginning balance of you
Overdraft Line each day (which does not include any unpaid interest charges or
Citizens fees), add any new loan advances as of the date of those advances and subtract
Customer Service Center any payments or credits. This gives us the daily balance. Then, we add all the daily
P.O. Box 42001 balances for the billing cycle together and divide the total by the number of days in
Providence, RI 02940-2001 the billing cycle. This gives us the average daily balance of your account.
Change of Address Credit Bureau Reporting
Please call the number shown at the front of your statement to notify usof a We may report information about your Overdraft Line to credit bureaus for each
change of address. joint account holder of your checking account. Late payments, missed payments, or
other defaults on your Overdraft Line may be reflected in your credit report.
DEPOSIT ACCOUNTS ARE NON-TRANSFERABLE
Personal deposit accounts, such as CDs and savings accounts, cannotbe Thank you for banking with Citizens.
transferred to another person or to a corporate entity.
Citizens is a brand name of Citizens Bank, N.A.