Download Acrobat Reader 5.0 or higher to view .pdf files.
Skip Navigation

USA Patriot Act
Limitation of Liability
Substitute Check Policy
Federal Deposit Insurance Corporation
Web Links
Overdraft Protection Opt-In Form

USA Patriot Act

Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism 

Important Information About Procedures For Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. 

What this means for you:
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Substitute Check Policy Disclosure

Substitute Checks and Your Rights

What is a substitute check?
To make check processing faster, federal law permits credit unions and banks to replace original checks with “substitute checks”. These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: “This is a legal copy of your check.” You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check. 

Some or all of the checks that you receive back from us may be substitute checks. This disclosure describes rights you have when you receive substitute checks from us. The rights in this disclosure do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions.

What are my rights regarding substitute checks?
In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check.) The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).

The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. 

If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim.

We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. 

How do I make a claim for a refund?
If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at any of our locations, or for more information please call us at (314) 631-5500. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. 

Your claim must include: 

  • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect)
  • An estimate of the amount of your loss
  • An explanation of why the substitute check you received is insufficient to confirm that you have suffered a loss
  • A copy of the substitute check


While Midwest BankCentre uses reasonable efforts to include accurate and up-to-date information on this web site, we make no representations as to the accuracy, timeliness or completeness of that information. In using this web site, you agree that its information and services are provided “as is, as available” without warranty, express or implied, and that you use this site at your own risk.

Limitation of Liability

Midwest BankCentre will not be liable for any costs or damages of any kind resulting from or related to the use or the inability to use this site including without limitation unauthorized access to or alteration of your transmissions or data, computer viruses, or errors in the content. Use of this site constitutes agreement with the foregoing waiver of liability.


At Midwest BankCentre, deposit insurance coverage is provided by the Federal Deposit Insurance Company (FDIC). The basic insured amount per depositor is at least $250,000.00. For more information on FDIC insurance, please visit .

Web Links

Midwest BankCentre may provide links to other Internet sites to provide our customers with access to a greater range of information, products and services. Midwest BankCentre does not have control over such sites or any products or services offered through such sites. Midwest BankCentre does not endorse, and is not responsible or liable for, any content, advertising, products or services offered on any other site. The privacy policies to such sites may be different from the privacy policies of Midwest BankCentre and you should carefully review the privacy policies disclosed on such sites.