General disclosures

Customer identification

The Bank complies with section 326 of the USA PATRIOT ACT. This law mandates that we must identify all customers and signatories to accounts. We will require you to produce certain identification documentation at account opening in order to process your account application.

Truth-in-Savings Act

Notice of availability of account disclosure statements. Under the Truth-In-Savings Act, you are entitled to receive disclosures containing important information about interest rates, account fees and other provisions of an account. You may request that we send a disclosure statement by calling us at the telephone numbers listed below, or by writing to us as follows:

ANZ Amerika Samoa Bank
Fagatogo Branch
PO Box 3790
Pago Pago
American Samoa 96799

Telephone number: +1 684 633 1151

Funds availability policy

The Territory of American Samoa is exempt from the provisions of Regulation CC (Funds Availability Act). Proceeds from checks deposited to accounts held with us will be available according to the following schedule:

We reserve the right to pay or dishonour a check which is more than six months old (without prior notice to you).

Generally funds deposited at a main island branch or mobile van on a business day will be available the following business day.  Transactions undertaken on a Saturday at a main island branch or mobile van will have an effective date of the next banking day.

Transactions taking place at an off-island branch on a business day will have an effective date of up to three business days after the transaction date.

APS222 Disclosure

ANZ Amerika Samoa Bank is a branch of ANZ Guam, Inc.  ANZ Guam, Inc. is a wholly-owned subsidiary of Australia and New Zealand Banking Group, Ltd. (ANZBGL), which is incorporated in Australia. ANZ, Guam, Inc. is incorporated and licensed in Guam with limited liability. ANZ Guam, Inc is not an authorised deposit taking institution within the meaning of the laws of Australia. Deposits or liabilities with ANZ Guam, Inc are not deposits or other liabilities of ANZBGL and ANZBGL is not required to meet the obligations of ANZ Guam, Inc.

Notice of changes in temporary FDIC Insurance Coverage for transaction accounts

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from 31 December 2010, through 31 December 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”).It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

Children’s Privacy

Our website is directed to a general audience. We do not knowingly solicit or collect personal information from children under 13 on our site.