Common use of Consumer Liability for Unauthorized Transactions Clause in Contracts

Consumer Liability for Unauthorized Transactions. Transfers (a) If you tell us within 2 business days after you learn of the loss or theft of your PIN, ATM Card or VISA Debit Card, you can lose no more than $50 if someone used your PIN and ATM card or VISA Debit Card without your permission. (b) If you do NOT tell us within 2 business days after you learn of the loss or theft of your PIN, ATM and/or VISA Debit Card, and we can prove we could have stopped someone from using your PIN, ATM and/or VISA Debit Card without your permission if you had told us, you could lose as much as $500. (c) Also, if your statement shows transfers that you did not make, including those made by ATM or VISA Debit Card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed or made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. YOU AGREE THAT IF YOU GIVE OR MAKE AVAILABLE YOUR CARD(S) AND/OR PIN TO SOMEONE ELSE TO USE OR BORROW, YOU ARE AUTHORIZING THEM TOACT ON YOUR BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(S) BY THEM. If your VISA Debit Card was used fraudulently or your VISA Debit Card was lost or stolen and you notify us of your loss pertaining to a VISA Debit Card transaction processed by VISA within 60 calendar days after the statement was mailed or made available to you, you will have no loss under the VISA Zero Liability policy. This VISA Zero Liability policy does not apply to ATM Cards, account transfers, PIN and non-PIN based debit card transactions not processed by VISA. The VISA Zero Liability Policy requires that an Affidavit be submitted for claims of unauthorized activity. If you do not enter a PIN, transactions may be processed as either a VISA Debit Card transaction or a transaction on the STAR network. Merchants must provide you with a clear way of choosing to make a VISA Debit Card transaction if they also support the STAR network option. Please be advised that should you choose to use STAR when making a transaction without a PIN, different terms may apply. In addition, during any VISA sponsored reward promotions you will only be eligible for rewards accrued on transactions processed over the VISA network. See the section titled “How to Contact Us” near the end of this Agreement for our phone numbers and address.

Consumer Liability for Unauthorized Transactions. Transfers Tell us AT ONCE if you believe any access device or code has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account (a) plus your maximum overdraft line of credit). You are responsible for all transfers you authorize using an EFT service under this Agreement. If you permit other persons to use an EFT service or your access device, you are responsible for any transactions they authorize or conduct on any of your accounts. If you tell us within 2 two (2) business days, you can lose no more than $50 if someone uses your card or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your PIN, ATM Card or VISA Debit Card, you can lose no more than $50 if someone used your PIN and ATM card or VISA Debit Card without your permission. (b) If you do NOT tell us within 2 business days after you learn of the loss or theft of your PIN, ATM and/or VISA Debit Card, and we can prove establish that we could have stopped someone from using your PIN, ATM and/or VISA Debit Card card or PIN without your permission if you had told us, you could lose as much as $500. (c) . Also, if your statement shows transfers that you did not make, including those made by ATM or VISA Debit Card, code or other means, tell us at once. If you do not tell us within 60 sixty (60) days after the statement was mailed or made available to you, you may not get back any money you lost after the 60 sixty (60) days if we can prove establish that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip extended travel or hospital stayhospitalization) kept you from telling us, we will may extend the these time periods. YOU AGREE THAT IF YOU GIVE OR MAKE AVAILABLE YOUR CARD(S) AND/OR PIN TO SOMEONE ELSE TO USE OR BORROW, YOU ARE AUTHORIZING THEM TOACT ON YOUR BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(S) BY THEM. If you believe that your VISA Debit Card was used fraudulently access device or your VISA Debit Card was code has been lost or stolen and you notify or that someone has transferred or may transfer money from your account without your permission, call or write us of your loss pertaining to a VISA Debit Card transaction processed by VISA within 60 calendar days after using the statement was mailed or made available to you, you will have no loss under the VISA Zero Liability policy. This VISA Zero Liability policy does not apply to ATM Cards, account transfers, PIN and non-PIN based debit card transactions not processed by VISA. The VISA Zero Liability Policy requires that an Affidavit be submitted for claims of unauthorized activity. If you do not enter a PIN, transactions may be processed as either a VISA Debit Card transaction or a transaction on the STAR network. Merchants must provide you with a clear way of choosing to make a VISA Debit Card transaction if they also support the STAR network option. Please be advised that should you choose to use STAR when making a transaction without a PIN, different terms may apply. In addition, during any VISA sponsored reward promotions you will only be eligible for rewards accrued on transactions processed over the VISA network. See the section titled “How to Contact Us” near contact information listed at the end of this Agreement (see Important Contact Information). Special Rule for our phone numbers and addressDebit VISA® Purchases: For Debit Visa card purchases, you will generally have no liability for unauthorized purchases. However, if we determine that the unauthorized transactions occurred because of your gross negligence or fraud, these special limitations on liability may not apply, up to $500.

Consumer Liability for Unauthorized Transactions. Transfers (a) If A. if you tell us within 2 business days after you learn of the loss or theft of your PIN, ATM Card or VISA Visa® Debit Card, you can lose no more than $50 if someone used your PIN and ATM card Card or VISA Visa® Debit Card without your permission.; (b) If B. if you do NOT tell us within 2 business days after you learn of the loss or theft of your PIN, ATM and/or VISA Visa® Debit Card, and we can prove we could have stopped someone from using your PIN, ATM and/or VISA Visa® Debit Card without your permission if you had told us, you could lose as much as $500.; (c) AlsoC. also, if your statement shows transfers that you did not make, including those made by ATM or VISA Visa® Debit Card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed or made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. YOU AGREE THAT IF YOU GIVE OR MAKE AVAILABLE YOUR CARD(S) AND/OR PIN TO SOMEONE ELSE TO USE OR BORROW, YOU ARE AUTHORIZING THEM TOACT TO ACT ON YOUR BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(S) BY THEM. If your VISA Visa® Debit Card was used fraudulently or your VISA Visa® Debit Card was lost or stolen and you notify us of your loss pertaining to a VISA Visa® Debit Card transaction processed by VISA Visa® within 60 calendar days after the statement was mailed or made available to you, you will have no loss under the VISA Visa® Zero Liability policy. This VISA Visa® Zero Liability policy does not apply to ATM Cards, account transfers, PIN and non-PIN based debit card Debit Card transactions not processed by VISAVisa®. The VISA Visa® Zero Liability Policy requires that an Affidavit be submitted for claims of unauthorized activity. If you do not enter a PIN, transactions may be processed as either a VISA Visa® Debit Card transaction or a transaction on the STAR STARSM network. Merchants must provide you with a clear way of choosing to make a VISA Visa® Debit Card transaction if they also support the STAR STARSM network option. Please be advised that should you choose to use STAR STARSM when making a transaction without a PIN, different terms may apply. In addition, during any VISA Visa® sponsored reward promotions you will only be eligible for rewards accrued on transactions processed over the VISA Visa® network. See the section titled “How to Contact Us” near the end of in this Agreement for our phone numbers and address.

Consumer Liability for Unauthorized Transactions. Transfers (a) If A. if you tell us within 2 business days after you learn of the loss or theft of your PIN, ATM Card or VISA Visa® Debit Card, you can lose no more than $50 if someone used your PIN and ATM card Card or VISA Visa® Debit Card without your permission.; (b) If B. if you do NOT tell us within 2 business days after you learn of the loss or theft of your PIN, ATM and/or VISA Visa® Debit Card, and we can prove we could have stopped someone from using your PIN, ATM and/or VISA Visa® Debit Card without your permission if you had told us, you could lose as much as $500.; (c) AlsoC. also, if your statement shows transfers that you did not make, including those made by ATM or VISA Visa® Debit Card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed or made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. YOU AGREE THAT IF YOU GIVE OR MAKE AVAILABLE YOUR CARD(S) AND/OR PIN TO SOMEONE ELSE TO USE OR BORROW, YOU ARE AUTHORIZING THEM TOACT TO ACT ON YOUR BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(S) BY THEM. If your VISA Visa® Debit Card was used fraudulently or your VISA Visa® Debit Card was lost or stolen and you notify us of your loss pertaining to a VISA Visa® Debit Card transaction processed by VISA Visa® within 60 calendar days after the statement was mailed or made available to you, you will have no loss under the VISA Visa® Zero Liability policy. This VISA Visa® Zero Liability policy does not apply to ATM Cards, account transfers, PIN and non-PIN based debit card Debit Card transactions not processed by VISAVisa®. The VISA Visa® Zero Liability Policy requires that an Affidavit be submitted for claims of unauthorized activity. If you do not enter a PIN, transactions may be processed as either a VISA Visa® Debit Card transaction or a transaction on the STAR STARSM network. Merchants must provide you with a clear way of choosing to make a VISA Visa® Debit Card transaction if they also support the STAR STARSM network option. Please be advised that should you choose to use STAR STARSM when making a transaction without a PIN, different terms may apply. In addition, during any VISA sponsored reward promotions you will only be eligible for rewards accrued on transactions processed over the VISA Visa® Visa® network. See the section titled “How to Contact Us” near the end of in this Agreement for our phone numbers and address.