We][s Fargo Everyday Checking
June 25, 2020 ii Page 1 of 4
Questions?
Available by phc>ne 24 hours a day, 7 days a week:
PIALPH BUGGIEBO
Telecommunications Pelay Services calls accepted
35 CLAF`KSON DPI
1 -800-TO-WELLS
TOMS BIVEFI NJ 08753-2605
(1 -8oo-869-3557)
Try,. 1 -800-877-4833
En espafiol: 1 -877-72]-2932
On//.ne.. wellsfargo.com
Wr/.te.. Wells Fargo Bank, N.A. (347)
P.O. Box 6995
Portland, OB 97228-6995
You and Wells Fargo
Account options
Thank you for being a loyal Wells Fargo customer. We value your trust in our
A check mark in the box indicates you have these
convenient services with your account(s). Go to
company and look forward to continuing to serve you with your financial needs.
wellsfargo.c:om clr call the number above if you have
c|uestions clr if you would like to add new services.
online Banking
n
online Bill pay
I
Auto Transfer/Payment I
on,[nestatements
I
overdraftprotect[on
Mobile Banking
H
My spending F`eport
Account number:
Statement period activity summary
Beginning balance on 5/29
Deposits/Additions
-$1,406.38
0.00
Withdrawals/Subtractions
- 0.00
Ending balance on 6/25
-$1,406.38
n
Direct Deposit
I
Debitcard
Overdraftservice
5192612645
RALPH FluGGIERO
New Jersey account terms and conditions apply
For Direct Deposit use
Pouting Number (BTN): 021200025
Overdraft Protection
This account is not currently covered by Overdraft Protection. If you would like more information regarding C^/erdraft Protection and eligibility requirements
please call the number listed on your statement or visit your Wells Fargo branch.
I
I
June 25, 2020 I- Page 3 of 4
With Overdraft F`ewind, Wells Fargo uses your incoming direct deposit to automatically reevaluate transactions from the previous
business day and may reverse overdraft or returned item (non-sufficient funds/NSF) decisions and waive associated fees.
Beginning May 10, 2020, the enhanced Overclraft Plewind feature will also waive or refund Overdraft Protection Transfer and Advance
fees.
Here's how it works:
lf an electronic clirect deposit is received by 9:00 a.in. local time (based on your account location as noted on your account statement),
we will calculate a new account balance that includes the pending direct deposit(s), less any pending debits. If this newly calculated
balance covers transactions that resulted in overdraft or non-sufficient funds (NSF) fees, or Overdraft Protection Transfer or Advance
fees, during the prior business day's nightly processing, we will waive or refund those fees. We may also reverse returned item
(non-sufficient funds/NSF) decisions.
Please be aware that Overdraft Ftewind does not reverse the transfer or advance of funcls from a linked Overdraft Protection account,
and Overdraft Protection advances from credit accounts will continue to accrue interest.
Only direct deposits deposited electronicaHy through the Automated Clearing House (ACH) qualify.
If you have questions, please call us at 1 -800-869-3557 or visit wellsfargo.com/checking/overdraft-rewind tor more detail.
Reminder: Wells Fargo charges a $5 fee for each Wells Fargo Debit, ATM, or Easypay Card transaction at non-Wells Fargo ATMs outside
of the u.S. or U.S. territories. Fees from non-Wells Fargo ATM owner/operators may also apply. These fees may not be applicable to all
customers and may vary depending on the type of account you have. For more details, refer to the applicable fee disclosures for your
account.
Effective August 17, 2020, ttle fee for stop payment requests on checks drawn on your account, or on pre-authorized (Automated
Clearing House) items, will be $31 per item. The fee may not be applicable to all customers depending on the type of account you
have. For more details, refer to the Fee and Information Schedule applicable to your account.
Wells Fargo Everyday Checking
July 27, 2020 . Page 1 of 3
Questions?
Available by phone 24 hours a day, 7 days a week:
BALPH FiuGGIEBO
Telecommunications F`elay Services calls accepted
35 CLABKSON DP
1 -800-TO-WELLS
TOMS PIIVEB NJ 08753-2605
(1 -8oo-869-3557)
r7v,. 1 -800-877-4833
En espaFiol: I -8]7-72]-2932
On//.ne.. wellsfargo.com
Wr7.fe,. Wells Fargo Bank, N.A. (347)
P.O. Box 6995
Portland, OP 97228-6995
You and Wells Fargo
Account options
Thank you for being a loyal Wells Fargo customer. We value your trust in our
A check mark in the box indicates you have these
company and look forward to continuing to serve you with your financial needs.
convenient services with your account(s). Go tc>
wellsfargo.com c]r call the number abcive if you have
questions or jf you would like to add new services.
online Banking
n
online Bill pay
Beginning balance on 6/26
Deposits/Additions
-S 1,406.38
5` 169.74
Withdrawals/Subtractions
- 2,466.94
Ending balance on 7/27
$1,296.42
Direct Deposit
H
overdraftprotectjon
Mobile Banking
H
Debit card
Myspending Plepon
H
Overdraftservice
5192612645
RALPH RUGGIERO
New Jersey account terms and conditions apply
For Direct Deposit use
Pouting Number (BTN): 021200025
Overdraft Protection
This account is not currently covered by Overdraft Protection. If you would like more information regarding C^/erdraft Protection and eligibility requirements
please call the number listed on your statement or visit your Wells Fargo branch.
(347)
ehaat I:c]n -r`r`r`fii Cf`
n
Auto Transfer/Payment I
on,:nestatements
Account number:
Statement period activity summary
H
I
I
July 27, 2020 I Page 3 of 3
Worksheet to balance your account
General statement policies for Wells Fargo Bank
Follow the steps below to reconcile your staternem balance with your
account register balance. Be sure that your register shows any interest
-
dispute the accuracy of information that Wells Fargo Bank, N.A. has
paid Into your account and any service charges, automatie payments or
ATM transactions withdrawn from your account during this statement
furnished to a consumer reponing agency by writing to us at Overdraft
Collection and Becovery, P.O. Box 5058, Portland, OPT 97208-5058. Please
period.
ill Enter the ending balance on this statement
E
S
describe the specific information that is inaccurate or in dispute and the
I
basis for the dispute along with supporting documentation. If you believe
List outstanding deposits and other
the information fiJrnished is the result of identity theft, please provide lJs
with an identity theft report.
credits to your account that do not appear on
this statement.
To dispute or report inaccuracies in information we have furnished to a
Consumer Reporting Agency about your accounts. You have the right to
Enter the total in the column
I
to the right.
Amount
Description
ln case of errors or questions about your electronic transfers,
telephone us at the number printed on the front of this statement or write
us at Wells Fargo Bank, P.O. Box 6995, Portland, OPl 97228-6995 as soon as
you can, if you think your statement or receipt is wrong or if you need more
information about a transfer on the statement or receipt. We must hear
I
from yctu no later than 60 days after we sent you the FIPST statement on
which the error or problem appeared.
I
Total
I
1. Tell us your name and account number (if any).
I
2. 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
Sl
information.
3. Tell us the dollar amount of the suspected error.
E] Add ill and H to calculate the subtotal.
E
We will investigate your complaint and will correct any error promptly. If
we take more than 10 business days to do "s, we will credit yciur account
List outstanding checks, withdrawals, and
other debits to your account that do not appear
for the amount you think is in error, so that you will have the use of the
on this statement.
money during the time it takes us to complete our investigation.
Enter the total in the column
to the right.
Numberroescription
Amount
I
I
I
I
1
I
I
I
I
I
I
I
I
I
I
I
I
I
I
Total
Sl
E subtract E from H to ca,cu,ate the
adjusted ending balance. This amount should be
the same as the current balance shown in your
register.
=SI
Membe,FD,Cffi
Wells Fargo Everyday Checking
August 27, 2020
I Page 1 of 5
Questions?
Available by phone 24 hours a day, 7 days a week..
PIALPH RUGGIEBO
Telecommunications Plelay Services calls accepted
35 CLAF3KSON DF3
1 -800-TO-WELLS
TOMS F`lvEFI NJ 08753-2605
(1 -800-869-3557)
7TY.. 1 -800-877-4833
En espariol: 1 -877-727-2932
On//.ne,. wellsfargo.com
Wr/te.. Wells Fargo Bank, N.A. (347)
P.O. Box 6995
Portland, OPl 97228-6995
You and Wells Fargo
Account options
Thank you for being a loyal Wells Fargo customer. We value your trust in our
A check mark in the box indicates you have these
convenient services with your account(s). Go to
company and look forward to continuing to serve you with your financial needs.
wellsfargo.com or call the number above if you have
questic)ns or if you would like to ac]d new services.
online Banking
H
online Bill pay
I
onlinestatements
ill
Direct Deposit
overdraftprotection
Mobile Banking
n
Debitcard
Myspending Pleport
H
overclraftservice
lMPOF`TANT ACCOUNT INFOFtMATION
Please review an important message about changes we are making to your Everyday Checking account below your transaction detail.
Account number:
Statement period activity summary
Beginning balance on 7/28
Deposits/Additions
Withdrawals/Subtractions
Ending balance on 8/27
$1,296.42
7,400.37
- 7,769.63
$927.16
5192612645
RALPH RUGGIER0
New Jersey account terms and conditions apply
For Direct Deposit use
flouting Number (RTN): 021200025
Ovei.draft Protection
This account is not currently covered by Overdraft Protect'ion. If you would like more information regarding Overdraft Protection and eligibility requirements
please call the number listed on your statement or visit your Wells Fargo branch.
(347)
ehaol .Qor` -nnr`f`qn7
H
Auto Transfer/Payment I
I
I
August27, 2020
. Page3of 5
Summary of Overdraft and F]eturned Item Fees
Tc]tal this statement period
Total year-to-date
Total Overdraft Fees
$0.00
$35.00
Total Pleturned Item Fees
$0.00
SO.00
Year-to-date totals reflect fees assessed or reversed since the first fLIII statement period of the calendar year. Negative values indicate that fee reversals exceed
fees assessed.
Monthly service fee summary
For a complete list of fees and detailed account information, see the disclosures applicable to your account or talk to a banker. Go to wellsfargo.com/feefaq for a
link to these documents, and answers to common monthly service fee questions.
Foe period 07/28/2020 -08/27/2020
Standard monthly service fee $10.00
Mnimum required
How to avoid the monthly service fee
You paid $0.00
This fee period
Have any ONE of the following account requirements
`
•
•
Minimumdailybalance
$1,500.00
Total amount of qualifying direct deposits
$500.00
Total number of posted debit card purchases or posted debit card payments of
10
bills in any combination
•
Age of primary account owner
•
The fee is waived when the account is linked to a Wells Fargo Campus ATM or
1 7 - 24
Campus Debit Card
RC/BC
IMPORTANT ACCOUNT INFORMATION:
As a valuable customer, your monthly service fee for this Everyday Checking account will be waived beginning November 9,
2020 for nine consecutive fee periods.
If you have converted or choose to convert this Everyday Checking account to another checking account type at any time, this waiver
will not be applied to that account. The terms of that new account, including the applicable monthly service fee and options to avoid
the fee, will apply.
On this statement, we've included another important message describing changes we are making to the current options to avoid the
monthly service fee for Everyday Checking. Please review that message for details. Your monthly service fee summary will include
information on the fee periods remaining for the waiver as you get closer to the expiration and options to avoid the monthly service
fee. After the monthly service fee has been waived for nirie consecutive fee periods, you'll need to start meeting one of the options to
avoid the monthly service fee.
Thank you for being a valuable customer. If you have any questions about this change, please contact your local banker or call the
number listed on your statement. Please note the Consumer Account Fee and Information Schedule and the Deposit Account
Agreement, as amended, continue to apply.
IMPORTANT ACCOUNT INFORMATION:
Your options to avoid the Everyday Checking account monthly service fee are changing.
Effective with the fee period beginning after october 8, 2020,
the option to avoid the $10 monthly service fee with lo or more
postecl debit card transactions will no longer be available, and the minimum daily balance optlon will be lowered to $500. Once these
changes are effective, the monthly service fee can be avoided with ONE of the following options each fee period:
- Maintain a $500 minimum daily balance
- $500 or more in total qualifying direct deposits*
$927.16
$5,442.30
9
August27,2020
I
Page5of5
Worksheet to balance your account
General statement policies for Wells Fargo Bank
Foltow the steps below to reooncile your statement balance with your
account register balance. Be sure that your register shows any interest
I
To dispute or report inaccuracies in information we have furnished to a
Consumer Reporting Agency about your accounts. You have the right to
paid into your account and any service charges, automatie payments or
ATM transactions withdrawn from your account during this statement
dispute the accuracy of information that Wells Fargo Bank, N.A. has
period.
Collection and Becovery, P.O. Box 5058, Portland, OB 97208-5058. Please
ill Enter the ending balance on this stalemenl
E
S
furnished to a consumer reporting agency by writing to us at Overdraft
d©§oribe the Specific information that i§ inac!QLirat© or in dispute and the
I
basis for the dispute along with supporting documentation. If you believe
List outstanding deposits and other
the information furnished is the result of identity theft, please provide us
credits to your account that do not appear on
this statemem.
with an 'identity theft report.
Enter the total in the column
I
to the right.
ln case of errors or questions about your electronic transfers,
telephone us at the number printed on the front of this statement or wr.ite
us at Wells Fargo Bank, P.O. Box 6995, Portland, OPl 97228-6995 as soon as
Amount
Description
you can, if you think your statement or receipt is wrong or if you need more
information about a transfer on the statement or receipt. We must hear
I
from you no later than 60 days after we sent you the FIBST statement on
which the error c)r problem appeared.
I
Total
I
1. Tell us your name and account number (if any).
I
2. 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
Sl
information.
3. Tell us the dollar amount of the suspected error.
E] Add E and H to calculate the subtotal.
E
We will investigate your complaint and will correct any error promptly. If
List outstanding checks, withdrawals, and
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.
other debits to your account that do not appear
on this statement.
Enter the total in the column
to the right.
Numberroescription
Amount
I
I
I
I
I
I
I
I
I
I
I
I
I
I
I
I
I
I
I
Total
Sl
-S1
E] Subtract in from ill to calculate the
adjusted ending balance. This amount should be
the same as the current balance shown in your
register.
=SI
MemberFD,Cffi
Wells Fargo Everyday Checking
September28, 20201 Page 1 of 6
Questions?
Available by phone 24 hours a day, 7 days a week:
BALPH RUGGIERO
Telecommunications Belay Services calls accepted
35 CLABKSON DP
1 -800-TO-WELLS
TOMS RIVEF} NJ 08753-2605
(1 -goo-869-3557)
rTy.. 1 -800-877-4833
En espaiiol: 1 -877-727-2932
Or}//.ne.. wellsfargo.com
Wr/.fe,. Wells Forgo Bank, N.A. (347)
P.O. Box 6995
Portland, OR 97228-6995
You and Wells Fargo
Account options
Thank you for being a loyal Wells Fargo customer. We value your trust in our
A check mark in the box indicates you have these
convenient services with your account(s). Go to
company and look forward to continuing to serve you with your f'inancial needs.
wellsfargo.ccim or call the number above if you have
questions or if you would like to add new services.
online Banking
H
online Bill pay
Direct Deposit
I
onlinestatements
n
Mobile Banking
ra
overdraftprotection
Debit card
My spending Deport
H
Overdraftservice
EE IMPORTANT ACCOUNT INFOF}MATION
Please review an important message about changes we are making to your Everyday Checking accoum below your transaction detail.
Account number:
Statement period activity summary
$927.16
Beginning balance on 8/28
10,495.21
DepositsIAdditions
Withdrawals/Subtractions
Ending balance on 9/28
-
10,638.21
$784.16
5192612645
F!ALPH RUGGIEFIO
New Jersey account terms and conditions apply
For Direct Deposit use
Flouting Number (PITN): 021200025
Overdraft Protection
This account is not currently covered by Overdraft Protection. If you would like more information regarding Overdraft Protection and eligibinty requirements
please call the number listed on your statement or visit your Wells Fargo branch.
(347)
Shoot .Qan -nnr`Qr\i r\
H
Auto Transfer/Payment I
I
I
September28,2020
. Page3of 6
Transaction history (continued)
C;hec:k
Date
Number
Description
Depcisits/
Withd raw als/
End`Ing daily
Additions
Subtractions
balance
Purchase authorized on 09/24 Cvs/Pharmacy #02 02837--1 Toms
Diver NJ P00380268505267996 Card 1340
Purchase authorized on 09/24 Shoprite Fischr Bay SI Toms Biver
NJ P00300268617039390 Card 1340
9/25
52.00
4,600.00
Withdrawal Made ln A Branch/Store
Firstenergy Opco ACH 003445716698 Plalph Buggiero
208.64
912.04
70.00
Purchase authorieed on O9A26 NJ Ezpass 888-288-6865 NJ
S580270434250705
Card 134o
____
_
_
_ ___
Sunnova Solar 200925 6704182 Wundefined
Endlng halanco on arty
5,720.68
57.88
._____.__.____._._.__.___,_,_._.
Totals
784.16
__._.
$10,495.21
784.16
$10,638.21
The Ending Daily Balance does not reflect any pending withdrawals or holds on deposited funds that may have been outstanding on your account when your
transactions posted. If you hacl insufficient available funds when a transaction posted, fees may have been assessed.
^
Converted check:Check converted to an electronic format by your payee or designated representative. C;necks converted tci electronic fclrmat cannc)i be
returned, copied or imaged.
Surrrmainy Of checks wr.men
N u in be r
(checks listed are also displayed I.n the preceding Transaction history)
Date
8/31
126
9/3
Amou nt
60.00
5.00
N umber
Date
Amou nt
128 *
8/28
65.76
129
9/16
416.57
Nijm ber
Date
131 i
9/15
Amou nt
30.00
* Gap in check sequence.
Summary of Overdraft and Returned Item Fees
Total Overdraft Fees
Total Beturned Item Fees
Total this statement period
Total year-to-date
$0.00
$35.00
$0.00
SO.00
year-tci-date totals reflect fees assessed c)r reversed since the first full statement period of the calendar year. Negative values indicate that fee reversals exceed
fees assessed.
Monthly service fee summary
For a complete list of fees and detailed account information, see the disclosures applicable to your account or talk to a banker. Go to wellsfargo.comffeefaq for a
l`ink to these documents, ancl answers to common monthly service fee questions.
Fee period 08/28/2020 - 09/28/2020
Standard monthly service fee slo.00
How to avoid the monthly service fee
You paid $0.00
Minimum required
This tee period
Have any ONE of the following account requirements
•
Minimum daily balance
•
Total amount of qualifying direct deposits
•
Total number of posted debit card purchases or posted debit card payments of
$1,500.00
$500.00
10
bills in any combination
•
Age of primary account owner
•
The fee is waived when the account is linked to a Wells Fargo Campus ATM or
Campus Debit Card
RC/BC
1 7 - 24
$275.78 I
$9,395.21
H
21E
I
September28, 2020
ii Page5of 6
***Primary account owner is an individual that has tax responsibility for the account. On the primary account owner's 25th birthday,
the account will automatically be subject to the then current monthly service fee unless you meet one of the other options to avoid
the monthly service fee.
lMPOFITANT ACCOUNT INFOFIMATION
Effective June 1, 2020, the Deposit Account Agreement has been updated.
In the section of the Deposit Account Agreemem titled "Available balance, posting order, and overdrafts," the second bullet of the
paragraph titled "Then, we sort your transactions into categories before we process them" under the subsection titled "How do we
process (post) transactions to your account?" is deleted and replaced with the following: "Then, we process withdrawals/payments we
have previously authorized and cannot i'etum unpajd, such as debit card purchases, ATM withdrawals, account transfers, Online Bill Pay
transactions, and teller-cashed checks. If we receive more than one of these transactions for payment from your accour`t, we will
generally sort and pay them based on the date and time you conducted the transactions. For a debit card transaction, if a merchant
does not seek authorization from the Bank at the time of the transaction or you conducted the transaction more than 10 business days
before we receive it for payment, we will use the date the transaction is received for payment from your account. For some
transactions, such as Online Bill Pay transactions or teller-cashed checks, the time may be assigned by our systems and may vary from
the time it was conducted. Multiple transactions that have the same time will be sorted and paid from lowest to highest dollar
amount.„
For questions, please call tr`e number listed on your statement.
lMPOF}TANT ACCOUNT INFOF`MATION
Regulation D and Wells Fargo withdrawal and transfer restrictions on all savings accounts have been discontinued.
The Federal Peserve Board recently removed F`egulation D's six transaction limit on certain withdrawals and transfers from savings
accounts, and allowed banks to suspend enforcement of that limit at each bank's discretion. Your Deposit Account Agreement states
that both Begulation D and Wells Fargo limit certain types of withdrawals and transfers from a savings account to a combined total of
six per monthly fee period. This message is to advise you that these limits were removed in May 2020. We have also discontinued
charging the related excess activity fees, and have ceased account conversioris and account closures related to the six withdrawal or
transfer limit.
While it will take a period Of time to update our disclosures and other materials, the changes described above apply to your account
immediately and allow you to make withdrawals ancl transfers, including online ancl mobile, from your savings account without regard
to the previous limit of six transactions. If you have any questions about your account, please call the phone number at the top of your
statement or visit your Wells Fargo branch.
Wells Fargo Everyday Checking
October28, 2020
I Page 1 of 6
Questions?
Available by phone 24 hours a day, 7 days a week:
BALPH RUGGIERO
Telecommunications Pelay Services calls accepted
35 CLAF}KSON DB
1 -800-TO-WELLS
TOMS BIVER NJ 08753-2605
(1 -800-869-3557)
Try.. 1 -800-877-4833
En espariol: \ -877-72]-29ei2
On//.r}e.. wellsfargo.com
Wri.te,. Wells Fargo Bank, N.A. (347)
P.O. Box 6995
Portland, 08 97228-6995
You and Wells Fargo
Account options
Thank you for being a loyal Wells Fargo customer. We value your trust in our
A chec:k mark in the box indic:ates you have these
company and look forward to continuing to serve you with your financial needs.
convenient services with your account(s). Go to
wellsfargo.com or call the number above if you have
questions or if you would like to add new services.
online Banking
E
online Bill pay
I
onlinestatements
H
Mobile Banking
H
Myspending peport
H
Direct Deposit
overdraftprotection
Overdraftservice
Please review an important message about cr`anges we are making to your Everyday Checking account below your transaction detail.
Account number:
Beginning balance on 9/29
Deposits/Additione
\Mtndrawals/Subtractions
Ending balance on 10/28
$784.16
12,063.86
-11,920.39
5192612645
PALPH RUGGIERO
New Jersey ac:count terms and conditions apply
For Direct Deposit use
I-+
$927.63
Pouting Number (BTN): 021200025
Overdraft Protection
This account is not currently covered by Overdraft Protection. If you would like more information regarding Overdraft Protection and eligibility requirements
please call the number listed on your statemem or visit your Wells Fargo branch.
(347)
f=haat ,Qarl - r`r`r`7d?6
I
Debitcard
RE IMPOF=TANT ACCOUNT INFOF2MAT[ON
Statement period activity summary
H
Auto Transfer/Payment I
I
October28, 2020
. Page3of 6
Transactl.on history (continued)
Depos its/
Additions
Check
Date
Number
Description
Withdrawal s/
Endi ng d ai ly
Su btractions
balance
26.35
Purchase authorized on 10/21 Silverton Pharm Toms F`iver NJ
1,521.77
POOOO0000986376152 Card 1340
Purchase authorized on 10/21 Epson *Store 800-873-7766 CA
S300295268332452 Card 1340
Purchase with Cash Back $ 20.00 authorized on 10/24 Shoprite
153.80
4o.so
ELJ#=°Tho¥E¥C!#70¥as¥4#hgasTgro:d:an
10/27
P00580301782383701 Card 1340
Creditone Bank pa ment 201026 00133
^133
1,306.16
48.o3
30.00
Sunnova Solar 201026 2027208 *undefined
Njm Insurance Web Pay 201026 000001244883978 Plalph
111.65
1,056.92
129.29
927.63
Bug8iero
Suez Water Tome Water Bill 201026 04409904510071
End[ng belanceon l0RE
_
927.63
..,.
Totals
$12,063.86
$11,920.39
The Ending Daily Balance does not reflect any pending withdrawals or hc)Ids on deposited funds that may have been outstanding on your account when your
transactions posted. If you had insufficient available funds when a {ransac{ion posted, fees may have been assessed.
^
Converted check:Check converted to an electronic format by your payee or designated representative. Checks c:onverfed to electronic format cannot be
returned, copied or imaged.
Summalry Of checks wr.itten
(checks listed are alscl displayed in the preceding Transaction history)
N urn ber
Date
Amou nt
132
10/5
77.18
N umber
133
Date
AmoLim
10/27
30.00
Summary of Overdraft and F}cturned Item Fees
Total Overdraft Fees
Total Beturned Item Fees
Total this statement period
Total year~to-date
SO.00
$35.00
SO.00
$0.00
Year-to-date totals reflect fees assessed or reversed since the flrst full statement period of trle calendar year. Negative values indicate that fee reversals exceed
fees assessed`
Monthly service fee summary
For a complete list of fees and detailed account information, see the disclosures applicable to your account or talk to a banker` Go to wellsfargo.comffeefaq for a
link to these documents, and answers to common monthly service fee questions.
Fee period 09/29/2020 -10/28/2020
Standard monthly service fee $10.00
How to avoid the monthly service fee
You paid $0.00
Minimum required
This fee period
Have any ONE of the following account requirements
•
Minimum daily balance
•
Total amount of qualifying direct deposits
•
Total number of posted debit card purchases or posted debit card payments of
$1,500.00
$500.00
10
bills in any combination
•
Age of primary account owner
•
The fee is waived when the account is linked to a Wells Fargo Campus ATM or
Campus Debit Card
Flo/f]C
1 7 - 24
$230.16
$5,596.72
20
October28, 2020
. Page5of 6
***Primary account owner is an individual that has tax responsibility for the account. On the primary account owner's 25th birthday,
the account will automatically be subject to the then current monthly service fee unless you meet one of the other options to avoicl
the monthly service fee.
lMPOF3TANT ACCOUNT INFOFIMATION
lMPOBTANT ACCOUNT INFOPIMATION
Regulation D and Wells Fargo withdrawal and transfer restrictions on all savings accounts have been discontinued.
The Federal Pleserve Board recently removed Ftegulation D's six transaction limit on certain withdrawals and transfers from savings
accounts, ancl allowed banks to suspend enforcement of that limit at each bank's discretion. Your Deposit Account Agreement states
that both Regulation D and Wells Fargo limit certain types of withdrawals ancl transfers from a savings account to a combined total of
six per monthly fee period. Tr`is message is to advise you that these limits were removed in May 2020. We have also discontinued
charging the related excess activity fees, and have ceased account conversions and account closures related to the six withdrawal or
transfer limit.
While it will take a period of time to update our disclosures ancl other materials, the changes described above apply to your account
immediately and allow you to make withdrawals and transfers, including online and mobile. from your savings account without regard
to the previous limit of six transactions. If you have any questions about your account, please call the phone number at the top of your
statement or visit your Wells Fargo branch.
Wells Fargo Everyday Checking
November30,2020
il Page 1 of 5
Questions?
Available by phone 24 hours a day, 7 days a week:
BALPH PIUGGIEBO
Telecommunications Relay Services calls accepted
35 CLAF`KSON DFt
1 -800-TO-WELLS
TOMS RIVER NJ 08753-2605
(1 -800-869-3557)
7TY,. 1 -800-877-4833
En espariol: 1 -8J7-72]-2932
On//'ne.I wellsfargo.com
Wri.te,. Wells Fargo Bank, N.A. (347)
P.O. Box 6995
Portland, OP 97228-6995
You and Wells Fargo
Account options
Thank you for being a loyal Wells Fargo customer. We value your trust in our
A check mark in the box indicates you have these
company and look forward to continuing to serve you with your financial needs.
cc>nven.lent services with your account(s). Gc) tci
wellsfargo.com c]r call the number above jf you have
c|Llestions or if you would like to add new services.
online Banking
n
online Bill pay
I
onlinestatements
overdraftprotection
H
Debit card
Myspending Fleport
n
overdraftservice
5192612645
Beginning balance on 10/29
$927.63
l]ALPH RUGGIERO
Deposits/Addit`ions
5,686.72
New Jersey account terms and conditions apply
Withdrawals/Subtractions
- 4,633.24
Ending balance on 11/30
$1,981.11
For Direct Deposit use
Pouting Number (BTN): 021200025
Overdraft Protection
This account is not currently covered by Overdraft Protection
lf you would like more information regarding Overdraft Protect.Ion and eligibility requirements
please call the number listed on your statement or visit your Wells Fargo branch.
(347)
C:hast f=an -r`i7FQa4
ra
Auto Transfer/Payment H
Mobile Banking
Account number:
Statement period activity summary
E
Direct Deposit
I
I
November30,2020
. Page3of 5
Transaction hl.story (continued)
C heck
Date
Number
Description
11/25
Deposits/
W;thd rawals/
Additions
Sublractions
Suez water Toms water Bill 201123 04409904510071
End.Ing da.Ily
balance
24.07
2,996.20
iero,F`alph
11/27
Recurring payment authorized on 1 1/26 Amazon prime*CD7Ho
Amzn.Com/Bill WA S460331613078280 Card 1340
11/27
130.31
Sunnova solar 201125 3522139 *Undefined
11re7
59.56
187.00
Njm Insurance web pay 201125 000001255192793 Balph
Pluggiero
137
ii%:
120.00
Check
Fischr Ba
11/30
2,499.33
95.28
t37 ::#aso \mth cash Back $ 3o co authomaed on 1 lne shopme
SI Toms Pliver NJ P00460334586932472 Card 1340
Purchase authorized on 1 1/29 Lennys silverton M Toms Diver NJ
16.94
S300334692327605 Card 1340
11/30
iero
Hmf Hmfusa.Com 201129181412733g Pal
406.00
1,981.11
1,981.11
Ending balance on 11/30
$5,686.72
Totals
$4,633.24
Trle Ending Daily Balance does not reflec:i any pending withdrawals or holds on deposited funds that may have been outstanding on your accc]unt when your
transactions posted. If you had insufficient available funds when a transaction posted, fees may have been assessed.
^
Cc)nverted check:Check converted to an electronic format by your payee or designated representative. Checks converted to electronic format cannot be
returned, copied or imaged.
Summary Of criecks wr.inen
N u mber
Date
107
11/10
(checks listed are also displayed in the preceding Transaction history)
Amou nt
787.00
Number
N umbe r
D ate
Amount
136 *
11/24
40.00
137
Date
Amount
11/27
120.00
I Gap in chec:k sequence.
Items returned unpaid
Date
11/16
Amount
Descri ption
Active 8886521362 201112 xxxxx8620 Palph A Buggiero sr Pleference #
359.00
091408596745189
Summary of Overdraft and Retui.ned Item Fees
Total this statement period
Total Overdraft Fees
Total Pleturned Item Fees
$0.00
$0.00
Total year`to-date
$35,00
$0.00
Year-to-date totals reflect fees assessed or reversed since the first full statement period of the calendar year. Negative values indicate that fee reversals exceed
fees assessed.
Monthly sef`vice fee summary
For a complete list of fees and detailed account information, see the d.isclosures applicable to your account or talk to a banker. Go to wellsfargo.comffeefaq for a
link to these documents, and answers to common monthly service fee questions.
Fee period 10/29/2020 - 11 /30/2020
Standard monthly service fee $10.00
You paid $0.00
Minimum required
This fee period
The bank has waived the fee for this fee period
How to avoid the monthly service fee
Have any ONE of the following account requirements
•
Minimum da.ily balance
$500.00
$927.63 E]
November30, 2020
. Page5of 5
Worksheet to balance your account
General statement policies for Wells Fargo Bank
Follow the steps below to reconcile your statement balance with your
-
account register balance. Be sure that your register shows any .Interest
To dispute or report inaccuracies in information we have furnished to a
Consumer Reporting Agency about your accounts. You have the right to
paid into your account and any service charges, automatie payments or
ATM transactions withdrawn from your account during this statement
dispute the accuracy of information that Wells Fargo Bank, N.A. has
period.
Collection and Becovery, P.O. Box 5058, Portland, OPT 97208-5058. Please
ill Enter the ending balance on this staternenl
E
S
furnished to a consumer reporting agency by writing to us at Overdraft
describe the specific information that is inaccurate or in dispute and the
I
basis for the dispute along with supporting documentation. If you believe
List outstanding deposits and other
the information furnished is the result of identity theft, please provide us
with an .iclentity theft report`
credits to your account that do not appear on
this statement.
Enter the total in the column
ii
to the right.
Amount
Description
ln case of errol.s or questions about your electronic transfers,
telephone us at the number printed on the front of this statement or write
us at Wells Fargo Bank, P.O. Box 6995, Portland, OPl 97228-6995 as soon as
you can, if you think your statement or receipt is wrong or if you need more
information about a transfer on the statement or receipt. We must hear
I
from you no later than 60 days after we sent you the FIPIST statement on
which the error or problem appeared`
I
Total
I
1. Tell us your name and account number (if any).
1
2. 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
Sl
information.
3. Tell us the dollar amount of the susDected error.
E Add E and H to calculate the subtotal`
E
We will investigate your complaint and w.Ill correct any error promptly. If
List outstanding checks, withdrawals, and
we take more than 10 business days to do this, we will credit your account
other debits to your account that do not appear
for the amount you think .is in error, so that you will have the use of the
on this statement.
money during the time 'it takes us to complete oLir investigation.
Enter the total in the column
to the right.
Numberroescription
Amount
I
I
I
I
I
I
1
I
I
I
I
I
I
I
I
I
I
I
I
Total
Sl
E Subtract E from E to calculate the
adjusted ending balance. This amount should be
the same as the cilrrent balance shown in your
register-
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