If you do not want us to pay on a check you have written, you can order us to stop payment on a check for $20/item.

You can notify us by calling a customer service representative at (847) 234-8484 or by mail to Baytree National Bank, Attn.: Personal Banking, 9 Market Square Court, P.O. Box 351, Lake Forest, IL, 60045-0378.

Your stop payment order must include your account number, the number and date of the check, the name of the payee, and the amount. If you request a stop payment via telephone, we will send you a written confirmation of the stop payment and request that you sign and return a copy of the stop payment order to us. Your stop payment order will not be considered final until the signed verification has been returned to us. This must be done within 14 days of your request. We must receive your stop payment order before our stop payment cut-off time, which is 2:00 p.m. on the Business Day the check is presented to us for payment.

We will accept a stop payment order from any account owner regardless of who signed the check. Your stop payment order will be effective for six months. If you want the stop payment order to continue after six months, you must renew it, in writing. A stop payment order will not be effective on a check which we have already paid or certified.

Rights and Procedures for Stop Payments for Electronic Payments.

If you have authorized regular electronic payments out of your account (for example, to pay insurance premiums), you can stop any of these payments. Please note: If you have authorized some company other than Baytree Bank to initiate the payments out of your account, you should notify that company and tell them you are revoking their authority to take payments out of your account.

Here's how:

Tell us the dollar amount of the suspected error. If you tell us orally, we require that you also send us your complaint or question in writing within ten business days. If you are claiming that a transaction was unauthorized, you agree to cooperate with us in our investigation and give us a copy of any police report and an affidavit covering all reasonably related facts and circumstances.

We will determine whether an error occurred within 10* business days after we hear from you and we will correct any error promptly. If we need more time, however, by law we may take up to 45* days to investigate your complaint or question. If we decide to do this, we will provisionally 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 you fail to give us the required written confirmation of your complaint or question, then we may not credit your account or we may revoke the provisional credit we previously gave to you.

We will tell you the results of our investigation within three business days after completing our investigation. If we determine that there was no error, we will send you a written explanation, and debit your account for any amount that was provisionally credited. You may ask us for copies of the documents we used in our investigation and we will gladly provide them to you.

* These time periods may be extended as follows. The applicable time is 20 business days in place of 10 business days for new accounts if the notice of error involves a transfer to or from the account within the first 30 days your account is open. The applicable time is 90 days in place of 45 days if the notice of error involves a transfer that either: (1) was initiated outside the U.S., (2) resulted from a Point-of-Sale transaction, or (3) occurred within the first 30 days your account is open.