Customer Assistance. If you notify us of any alleged fraudulent or unauthorized item or transaction affecting your account other than an electronic fund transfer to a consumer account and we elect to credit your account for the amount of any such alleged fraudulent or unauthorized item or transaction, you agree to fully cooperate with us and assist us during any investigation or proceeding. If you refuse or fail to fully cooperate and assist us in any investigation or proceeding involving such unauthorized items by or for your benefit, then, at our election, you must repay to us the amount of any prior account credit for the unauthorized item(s), and we may deduct such amounts from your account without further notice. In addition, you agree to hold the Bank harmless for any loss you incur as a result of the unauthorized item(s). Notifying us of any fraudulent and unauthorized electronic fund transfers to a consumer account are covered by Regulation E and are addressed in this Agreement under the section “ERRORS OR QUESTIONS AND HOW TO CONTACT US.” For additional information about Regulation E and electronic fund transfers to or from consumer accounts, see the section in this Agreement titled: “ELECTRONIC FUND TRANSFERS AND RELATED DISCLOSURES FOR CONSUMER/PERSONAL ACCOUNTS.” We may consider a Deposit Account inactive after a period of no owner-initiated activity. After a period of inactive status, we may consider a Deposit Account to be dormant. After a period of dormancy, we may take steps to initiate escheatment (see the “ESCHEATMENT” section). If the account is an interest-bearing account, the account will continue to earn interest, and all accounts will be subject to service charges in accordance with our Schedule of Fees. If an account becomes inactive or dormant, we will notify you in writing with specific instructions on how to restore the account to active status without the need to make any transactions.
Appears in 4 contracts
Samples: Account Agreement, Account Agreement, Account Agreement
