Uni-Statement

Account Number:
1 301 3162 0374
P.O. Box 1800 Statement Period:
Saint Paul, Minnesota 55101-0800
Oct 5, 2024
9991 TRN S X ST01
through
Nov 6, 2024

106481173098157 ER
Page 1 of 4

HAROLD THOMAS
6598 LAKOTA POINTE LN
LIBERTY TWP OH 45044-9194 % To Contact U.S. Bank
By Phone: 800-US BANKS
(800-872-2657)
Cincinnati
Metro Area: 513-632-4141
U.S. Bank accepts Relay Calls
Internet: usbank.com

NEWSFORYOU

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INFORMATIONYOUSHOULDKNOW
Effective November 12, 2024, please review updates made to the Consumer Pricing Information disclosure which may affect your
rights.
Beginning October 7, 2024, you can review the full revised disclosure at usbank.com/CPI-upcoming-version, by calling 24-Hour
Banking at 800-USBANKS (872-2657) or by visiting your local U.S. Bank branch. We accept relay calls.
Here's what you should know:
· Adding two additional ways to waive the Monthly Maintenance Fee for the U.S. Bank Smartly® Savings account:
o Presence of a U.S. Bank SmartlyTM Visa Signature® Card, or
o Account holder(s) age 17 or younger
· The Monthly Maintenance Fee will be waived on all U.S. Bank Smartly® Savings accounts with the presence of a U.S.
Bank Smartly® Checking or Safe Debit account.
· The U.S. Bank SmartlyTM Visa Signature® Card will be added as an option to qualify for the U.S. Bank Smartly® Savings
Interest Rate Bump.
· Clarification is being added to the combined qualifying balances for the Bank Smartly® Savings Interest Rate Bump.
· The Standard Savings account will no longer be available for new accounts or upgrades in the future.
· Under U.S. Bank Smart Rewards® Other Product Benefits, the following benefits will be updated:
o The Monthly Maintenance Fee will be waived on existing Standard Savings accounts
o The Standard Savings Interest Rate Lift will only apply to existing Standard Savings accounts
If you have questions, please call us at 800-USBANKS (872-2657) – we're available to help! You can also schedule an
appointment at usbank.com/book to speak with a banker in person, by phone or virtually.

Products and services available in U.S. only. Eligibility requirements and restrictions apply. For additional information, contact a U.S. Bank branch or
call 800-872-2657.
 BALANCE YOUR ACCOUNT
To keep track of all your transactions, you should balance your account every month. Please
examine this statement immediately. We will assume that the balance and transactions shown are
correct unless you notify us of an error.

Outstanding Deposits
DATE AMOUNT 1. List any deposits that do not appear on your statement in the Outstanding Deposits section at
the left. Record the total.
2. Check off in your checkbook register all checks, withdrawals (including Debit Card and ATM)
and automatic payments that appear on your statement. Withdrawals that are NOT checked off
TOTAL $ should be recorded in the Outstanding Withdrawals section at the left. Record the total.
3. Enter the ending balance shown on this statement. $
Outstanding Withdrawals
DATE AMOUNT 4. Enter the total deposits recorded in the Outstanding Deposits section. $
5. Total lines 3 and 4. $
6. Enter the total withdrawals recorded in the Outstanding Withdrawals section. $
7. Subtract line 6 from line 5. This is your balance. $
8. Enter in your register and subtract from your register balance any checks, withdrawals or other
debits (including fees, if any) that appear on your statement but have not been recorded in your
register.
9. Enter in your register and add to your register balance any deposits or other credits (including
interest, if any) that appear in your statement but have not been recorded in your register.
10. The balance in your register should be the same as the balance shown in #7. If it does not
match, review and check all figures used, and check the addition and subtraction in your register.
If necessary, review and balance your statement from the previous month.
TOTAL $

IMPORTANT DISCLOSURES TO OUR CONSUMER CUSTOMERS

In Case of Errors or Questions About Your Checking, Savings, ATM, Debit Card, ACH, Bill Pay and Other Electronic Transfers
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 from you no later than 60 days* after we sent you
the FIRST statement on which the error or problem appeared. Telephone us at the number listed on the front of this statement or write to us at U.S. Bank, EP-MN-WS5D, 60 Livingston
Ave., St. Paul, MN 55107.
· Tell us your name and account number.
· Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more information.
· Tell us the dollar amount of the suspected error.
We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, we may take up to 45 days to
investigate your complaint. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint. If we decide to do this,
we will credit your account within 10 business days 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
we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.
*Please note: Paper draft and paper check claims must be disputed within 30 days per Your Deposit Account Agreement.
IMPORTANT DISCLOSURES TO OUR BUSINESS CUSTOMERS
Errors related to any transaction on a business account will be governed by any agreement between us and/or all applicable rules and regulations governing such transactions, including the
rules of the National Automated Clearing House Association (NACHA Rules) as may be amended from time to time. If you think this statement is wrong, please telephone us at the number
listed on the front of this statement immediately.
CONSUMER BILLING RIGHTS SUMMARY REGARDING YOUR RESERVE LINE
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:
U.S. Bank, P.O. Box 3528, Oshkosh, WI 54903-3528.
In your letter, give us the following information:
· Account information: Your name and account number.
· Dollar Amount: The dollar amount of the suspected error.
· 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.
Reserve Line Balance Computation Method: To determine your Balance Subject to Interest Rate, use the dates and balances provided in the Reserve Line Balance Summary section.
The date next to the first Balance Subject to Interest is day one for that balance and is applicable up to (but not including) the date of the next balance (if there is one). We multiply the
Balance Subject to Interest by the number of days it is applicable and add them up to get the same number of days in the billing cycle. We then divide the result by the number of billing
days in the cycle. This is your Balance Subject to Interest Rate. Any unpaid interest charges and unpaid fees are not included in the Balance Subject to Interest. The ***INTEREST
CHARGE*** begins from the date of each advance.
REPORTS TO AND FROM CREDIT BUREAUS FOR RESERVE LINES
We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report.
CONSUMER REPORT DISPUTES
We may report information about account activity on consumer and small business deposit accounts and consumer reserve lines to Consumer Reporting Agencies (CRA). As a result, this
may prevent you from obtaining services at other financial institutions. If you believe we have inaccurately reported information to a CRA, you may submit a dispute by calling 844.624.8230
or by writing to: U.S. Bank Attn: Consumer Bureau Dispute Handling (CBDH), P.O. Box 3447, Oshkosh, WI 54903-3447. In order for us to assist you with your dispute, you must provide:
your name, address and phone number; the account number; the specific information you are disputing; the explanation of why it is incorrect; and any supporting documentation (e.g.,
affidavit of identity theft), if applicable.

Member FDIC
 HAROLDTHOMAS Uni-Statement
6598 LAKOTA POINTE LN AccountNumber:
LIBERTYTWPOH45044-9194
130131620374
StatementPeriod:
Oct5,2024
through
Nov6,2024

Page2of4

U.S.BANKSMARTLYCHECKING MemberFDIC
U.S. Bank National Association Account Number 1-301-3162-0374
Account Summary
Beginning Balance on Oct 5 $ 24,930.00 Number of Days in Statement Period 33
Deposits / Credits 63,135.44
Card Withdrawals 5,643.32-
Other Withdrawals 7,895.00-
Ending Balance on Nov 6, 2024 $ 74,527.22

Deposits / Credits
Date Description of Transaction Ref Number Amount
Oct 8 Electronic Deposit From Infovision, Inc. $ 3,839.00
REF=242810146412380N00 Bill.com 1204895317
Oct 15 Wire Credit REF007739 TRUIST BK WILSON S 241015B03830 5,830.00
ORG=JOHN D SHADDUCK 2120 SMITHTOWN RD SE
Oct 28 Mobile Banking Transfer From Account 230114539292 20.00
Oct 29 Zelle Instant PMT From AKIA MOORE 100.00
On 10/29/24 PMT ID=JPM99aq7tgr0
Oct 29 Zelle Instant PMT From AKIA MOORE 400.00
On 10/29/24 PMT ID=JPM99aq7v7sl
Oct 30 Zelle Instant PMT From AKIA MOORE 500.00
On 10/30/24 PMT ID=JPM99aq9d441
Oct 31 Visa Deposit From VENMO 6410302054 15,500.12
Oct 31 Zelle Instant PMT From AKIA MOORE 500.00
On 10/31/24 PMT ID=JPM99aqbcsxz
Nov 1 Wire Credit TRUIST BK WILSON S 241015B49383 15,500.01
Nov 1 Zelle Instant PMT From AKIA MOORE 500.00
On 11/01/24 PMT ID=JPM99aqeeod8
Nov 4 Visa Direct CASH APP*HAROLD 0111031436 69.74
Nov 4 Zelle Instant PMT From AKIA MOORE 1,500.00
On 11/02/24 PMT ID=JPM99aqhby0p
Nov 4 Zelle Instant PMT From AKIA MOORE 500.00
On 11/03/24 PMT ID=JPM99aqjul5l
Nov 4 Zelle Instant PMT From AKIA MOORE 500.00
On 11/04/24 PMT ID=JPM99aqljcd7
Nov 5 Zelle Instant PMT From AKIA MOORE 2,500.00
On 11/05/24 PMT ID=JPM99aqnnzm5
Nov 5 Electronic Deposit From SQUARE 11,876.57
REF=24281014384837 021000021P1BRJPC07120058908
Nov 6 Zelle Instant PMT From AKIA MOORE 3,500.00
On 11/06/24 PMT ID=JPM99aqpk8hs
Total Deposits / Credits $ 63,135.44

Card Withdrawals
Card Number: xxxx-xxxx-xxxx-0601
Date Description of Transaction Ref Number Amount
Oct 10 Debit Purchase - VISA On 100824 LIBERTY TOWN OH 3900015661 $ 19.00-
DRAFT BAR AND GR REF # 24037244283900015661200
Oct 10 Debit Purchase - VISA On 100824 LIBERTY TOWN OH 3900015697 35.99-
DRAFT BAR AND GR REF # 24037244283900015697279
Oct 22 Debit Purchase - VISA On 102124 9717083015 NJ 6742231957 5.00-
FANDUELSBKPRIMAR REF # 24036294296742231957322
Oct 22 Debit Purchase - VISA On 102124 9717083015 NJ 6716231405 10.00-
FANDUELSBKPRIMAR REF # 24036294296716231405508
Oct 22 Debit Purchase - VISA On 102124 9717083015 NJ 6712234663 20.00-
FANDUELSBKPRIMAR REF # 24036294296712234663680
Oct 22 Debit Purchase - VISA On 102124 9717083015 NJ 6742237833 20.00-
FANDUELSBKPRIMAR REF # 24036294296742237833139
Oct 22 Debit Purchase - VISA On 102124 9717083015 NJ 6742232760 25.00-
FANDUELSBKPRIMAR REF # 24036294296742232760899
 HAROLDTHOMAS Uni-Statement
6598 LAKOTA POINTE LN AccountNumber:
LIBERTYTWPOH45044-9194
130131620374
StatementPeriod:
Oct5,2024
through
Nov6,2024

Page3of4

U.S.BANKSMARTLYCHECKING (CONTINUED)
U.S. Bank National Association Account Number 1-301-3162-0374
Card Withdrawals (continued)
Card Number: xxxx-xxxx-xxxx-0601
Date Description of Transaction Ref Number Amount
Oct 25 Debit Purchase - VISA On 102424 9717083015 NJ 9716655293 10.00-
FANDUELSBKPRIMAR REF # 24036294299716655293304
Oct 25 Debit Purchase - VISA On 102424 9717083015 NJ 9716679013 10.00-
FANDUELSBKPRIMAR REF # 24036294299716679013472
Oct 28 Debit Purchase - VISA On 102624 LIBERTY TOWN OH 1100567228 13.00-
TST* THE ROOSEVE REF # 24137464301100567228299
Oct 30 Debit Purchase - VISA On 102924 WEST CHESTER OH 3720224516 3.99-
MCDONALD'S F1639 REF # 24427334303720224516265
Oct 31 Debit Purchase - VISA On 102924 855-246-2461 FL 5109420983 60.00-
CRICKET WIRELESS REF # 24692164305109420983791
Oct 31 Debit Purchase - VISA On 103024 800-9691940 CA 4002767063 500.00-
CASH APP*HAROLD REF # 24793384304002767063058
Nov 1 Debit Purchase - VISA On 103124 9717083015 NJ 6714741882 10.00-
FANDUELSBKPRIMAR REF # 24036294306714741882025
Nov 1 Debit Purchase - VISA On 103124 800-9691940 CA 5002548605 400.00-
CASH APP*HAROLD REF # 24793384305002548605069
Nov 4 Debit Purchase UNITED DAIRY FA MASON OH 10.00-
368935 On 110124 MAESTERM REF 368935
Nov 4 Debit Purchase - VISA On 110324 9717083015 NJ 8744162538 10.00-
FANDUELSBKPRIMAR REF # 24036294308744162538929
Nov 4 Debit Purchase - VISA On 110324 9717083015 NJ 8712221049 10.00-
FANDUELSBKPRIMAR REF # 24036294308712221049436
Nov 4 Debit Purchase - VISA On 110324 9717083015 NJ 8716222378 10.00-
FANDUELSBKPRIMAR REF # 24036294308716222378652
Nov 4 Debit Purchase - VISA On 110324 9717083015 NJ 9714231054 10.00-
FANDUELSBKPRIMAR REF # 24036294309714231054892
Nov 4 Debit Purchase - VISA On 110124 KINGS MILLS OH 7100464832 15.00-
KINGS ISLAND FOO REF # 24137464307100464832015
Nov 4 Debit Purchase - VISA On 110324 9717083015 NJ 8744158376 15.00-
FANDUELSBKPRIMAR REF # 24036294308744158376151
Nov 4 Debit Purchase - VISA On 110324 9717083015 NJ 8718173973 15.00-
FANDUELSBKPRIMAR REF # 24036294308718173973127
Nov 4 Debit Purchase - VISA On 110324 9717083015 NJ 8714195075 15.00-
FANDUELSBKPRIMAR REF # 24036294308714195075082
Nov 4 Debit Purchase - VISA On 110324 9717083015 NJ 8716198148 15.00-
FANDUELSBKPRIMAR REF # 24036294308716198148618
Nov 4 Debit Purchase - VISA On 110324 9717083015 NJ 8718208531 15.00-
FANDUELSBKPRIMAR REF # 24036294308718208531734
Nov 4 Debit Purchase - VISA On 110324 9717083015 NJ 9716254032 15.00-
FANDUELSBKPRIMAR REF # 24036294309716254032077
Nov 4 Debit Purchase - VISA On 110324 9717083015 NJ 9716255193 15.00-
FANDUELSBKPRIMAR REF # 24036294309716255193100
Nov 4 Debit Purchase - VISA On 110324 LIBERTY TOWN OH 8100525699 18.26-
TST* THE ROOSEVE REF # 24137464308100525699840
Nov 4 Debit Purchase - VISA On 110324 LIBERTY TOWN OH 8100525699 18.26-
TST* THE ROOSEVE REF # 24137464308100525699923
Nov 4 Debit Purchase - VISA On 110324 LIBERTY TOWN OH 8100525700 18.84-
TST* THE ROOSEVE REF # 24137464308100525700085
Nov 4 Debit Purchase - VISA On 110124 800-9691940 CA 6002451857 20.00-
CASH APP*HAROLD REF # 24793384306002451857052
Nov 4 Debit Purchase - VISA On 110324 9717083015 NJ 8718182230 20.00-
FANDUELSBKPRIMAR REF # 24036294308718182230188
Nov 4 Debit Purchase - VISA On 103124 LIBERTY TOWN OH 6900017908 30.00-
DRAFT BAR AND GR REF # 24037244306900017908594
Nov 4 Debit Purchase - VISA On 110124 800-9691940 CA 7001365027 100.00-
CASH APP*HAROLD REF # 24793384307001365027033
 HAROLDTHOMAS Uni-Statement
6598 LAKOTA POINTE LN AccountNumber:
LIBERTYTWPOH45044-9194
130131620374
StatementPeriod:
Oct5,2024
through
Nov6,2024

Page4of4

U.S.BANKSMARTLYCHECKING (CONTINUED)
U.S. Bank National Association Account Number 1-301-3162-0374
Card Withdrawals (continued)
Card Number: xxxx-xxxx-xxxx-0601
Date DescriptionofTransaction RefNumber Amount
Nov4 DebitPurchase-VISA On110124KINGSMILLSOH 7501265216 109.98-
KINGSISLANDADM REF#24137464307501265216292
Nov4 DebitPurchase-VISA On110124800-9691940CA 6001886134 400.00-
CASHAPP*HAROLD REF#24793384306001886134046
Nov4 DebitPurchase-VISA On110224800-9691940CA 7002564005 400.00-
CASHAPP*HAROLD REF#24793384307002564005036
Nov4 DebitPurchase-VISA On110324800-9691940CA 8002651370 500.00-
CASHAPP*HAROLD REF#24793384308002651370094
Nov5 DebitPurchase-VISA On110424800-9691940CA 0000080077 6.00-
CASHAPP*HAROLD REF#24793384310000080077088
Nov5 DebitPurchase-VISA On1104249717083015NJ 9716369326 10.00-
FANDUELSBKPRIMAR REF#24036294309716369326737
Nov5 DebitPurchase-VISA On1104249717083015NJ 0716393194 10.00-
FANDUELSBKPRIMAR REF#24036294310716393194165
Nov5 DebitPurchase-VISA On1104249717083015NJ 0742401834 15.00-
FANDUELSBKPRIMAR REF#24036294310742401834311
Nov5 DebitPurchase-VISA On1104249717083015NJ 0714406880 15.00-
FANDUELSBKPRIMAR REF#24036294310714406880649
Nov5 DebitPurchase-VISA On1104249717083015NJ 0716400125 25.00-
FANDUELSBKPRIMAR REF#24036294310716400125988
Nov5 DebitPurchase-VISA On1104249717083015NJ 9716330980 30.00-
FANDUELSBKPRIMAR REF#24036294309716330980752
Nov5 DebitPurchase-VISA On110424800-9691940CA 9003424279 400.00-
CASHAPP*HAROLD REF#24793384309003424279074
Nov6 DebitPurchase CIRCLEK052235WESTCHESTEROH 15.00-
160033 On110624MAESTERMREF160033
Nov6 DebitPurchase-VISA On110524855-9031314OH 0900010907 270.00-
OHCHILDSUPPORT REF#24039824310900010907859
Nov6 DebitPurchase-VISA On110524800-9691940CA 0002837777 750.00-
CASHAPP*HAROLD REF#24793384310002837777069
Nov6 DebitPurchase-VISA On110524OaklandCA 0000485962 1,150.00-
CASHAPP*LIQUID REF#24059364310000485962703

Card 0601 Withdrawals Subtotal $ 5,643.32-

Total Card Withdrawals $ 5,643.32-

Other Withdrawals
Date Description of Transaction Ref Number Amount
Oct 9 Customer Withdrawal 8613240365 $ 3,800.00-
Oct 15 Wire Transfer Fee 1500002320 20.00-
Oct 16 Branch Account Transfer To Account 230114539292 25.00-
Oct 16 Customer Withdrawal 8615134179 3,700.00-
Oct 29 Customer Withdrawal 8314429314 350.00-
Total Other Withdrawals $ 7,895.00-

Balance Summary
Date Ending Balance Date Ending Balance Date Ending Balance
Oct 8 3,873.02 Oct 22 23.03 Oct 31 645.16
Oct 9 73.02 Oct 25 3.03 Nov 1 740.17
Oct 10 18.03 Oct 28 10.03 Nov 4 504.57
Oct 15 3,828.03 Oct 29 160.03 Nov 5 2,370.14
Oct 16 103.03 Oct 30 656.04 Nov 6 74,527.22
Balances only appear for days reflecting change.
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