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To: Patty Raymond < [email protected] >
From: Amy Strain < [email protected] >
Subject: Account #0368338126

Dear Ms. Raymond,

I recently received my bank statement for the month of November, and I have a couple of concerns. I hope you can help me figure them out.

I noticed on November 10th I was charged $2.50 to withdraw funds from an ATM inside Riverside Mall. It was my understanding, when I opened the account, that I was able to use any ATM and not accrue service charges. While $2.50 may not seem like a lot, it can certainly add up!

On November 25th, I noticed that $10.00 was withdrawn from my account, and I cannot figure out why. I work hard to keep up with my check register, and I’m quite certain that I haven’t bounced any checks.

Your reply is much appreciated because I am really upset by these charges and withdrawals. I would like for my account to be corrected as soon as possible.

Thank you,
Amy Strain

To: Amy Strain < [email protected] >
From: Patty Raymond < [email protected] >
Subject: RE: Account #0368338126

Dear Ms. Strain,

I am sorry for the confusion regarding your November statement. Allow me to explain the charge and withdrawal so that you understand where they came from.

The ATM fee of $2.50 on November 10th came from the financial institution that owns the ATM machine (National Banking Corp). First American Bank allows you to use outside ATMs without incurring any extra charges, however, we cannot guarantee that there will not be a charge to your account from the bank that owns the machine. In this case, National Banking Corp charged you $2.50 since you are not a customer of their bank. As a customer courtesy, we will credit your account $2.50 to reimburse this fee. In the future, please be sure that you agree to any fees from outside ATMs before completing the transaction.

You were charged $10.00 on November 25th because a check you deposited from Cindy White was returned due to insufficient funds. Unfortunately, we must withdraw the money from your account since that check was returned. Perhaps you can request a new check from the individual, or you may ask for cash or a cashier’s check to guarantee funds.

I hope your questions have been answered, and I hope that you enjoy being a customer of First American. We are proud to have you as a customer.

Sincerely,
Patty Raymond
Account Representative
First American Bank

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