Disclosures.
The notices a bank is required to make, gathered in one place.
FDIC deposit insurance
Halden Bank, N.A. is a Member FDIC. Deposits are insured by the Federal Deposit Insurance Corporation up to $250,000 per depositor, per insured bank, for each ownership category. Investment and non-deposit products are not covered. Estimate your coverage with the FDIC's EDIE tool and learn more at fdic.gov. FDIC Certificate #[FDIC Cert #].
Equal Housing Lender
Halden Bank, N.A. does business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, or because income comes from a public assistance program. Mortgage lending: NMLS #[NMLS ID].
USA PATRIOT Act — customer identification
Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you enroll, we will ask for your name, address, date of birth and other identifying information, and may ask to see identifying documents.
Regulation E — electronic transfers
Your rights and responsibilities for electronic fund transfers, including error-resolution procedures and timeframes, are described in your Online & Mobile Banking Agreement. Contact us promptly if you suspect an unauthorised transfer.
Truth in Savings
Annual Percentage Yields (APYs), how interest is calculated and credited, and any conditions to earn the stated rate are disclosed on the rates page and in your account disclosures. Rates are variable and may change after account opening.
Investment products
Investment and advisory products, where offered, are held separately from your deposits and are: Not FDIC insured · Not bank guaranteed · May lose value. Advisory services, if provided, are offered through a separately identified registered investment adviser / broker-dealer disclosed at the point of sale.
Fees & agreements
See the full fee schedule, terms & agreements and privacy notice. This hub links the required disclosures; the account agreements provided at opening are the controlling documents.