Examining Statements and Reporting Problems. You agree to promptly and carefully review your account statement and any items reflected on the statement. You must report problems or unauthorized transactions to FSB immediately. You agree that 60 days after FSB sends a statement or makes items available is the maximum reasonable amount of time for you to review your statement or items and report any problem or unauthorized transaction related to a matter shown on the statement or items. Except as provided by law with respect to electronic funds transfers, if you do not notify FSB of suspected problems or unauthorized transactions within 60 days after FSB sends your statement or makes items available, you agree that you cannot make a claim against FSB relating to the unreported problems or unauthorized transactions, regardless of the care or lack of care FSB may have exercised in handling your account. In addition, if you fail to report an unauthorized transaction on your account within 60 days following the closing date of the statement containing information about the first unauthorized transaction, FSB is not liable to you for subsequent unauthorized transactions on your account by the same person. If there are any unauthorized transactions on your account (such as missing, stolen, or unauthorized checks), FSB may require you to close your current account and open a new one. If you do not do so, FSB is not liable to you for subsequent losses or damages on the account due to forgery, fraud, or other unauthorized use. When you open a new account, you are responsible for notifying any third parties that need to know your new account number. If you report to FSB that a forgery, alteration, or other unauthorized transaction has occurred on your account, you agree to cooperate with FSB in the investigation and prosecution of your claim and any attempt to recover funds. You agree to provide FSB with an affidavit containing the information FSB requires concerning the transaction. FSB may deny your claim if you fail to provide FSB with any affidavit it requires. You also agree to assist FSB in identifying and prosecuting the suspected wrongdoer(s). You agree that FSB has a reasonable period of time to investigate the facts and circumstances surrounding any claimed loss and that FSB has no obligation to provisionally credit your account, unless otherwise required by law. FSB’s maximum liability is the lesser of your actual damages proved or the amount of the missing deposit or the forgery, alteration, or other unauthorized withdrawal, reduced in all cases by the amount of the loss that could have been avoided by your use of ordinary care. FSB is not liable to you for special or consequential losses or damages of any kind, including loss of profits and opportunity or for attorneys’ fees you incur. Funds Availability
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Samples: Depository Agreement and Disclosures, content.usaa.com
Examining Statements and Reporting Problems. You agree to promptly and carefully review your account statement and any items reflected reflected on the statement. You must report problems or unauthorized transactions to FSB the Bank immediately. You agree that 60 days after FSB the Bank sends a statement or makes items available is the maximum reasonable amount of time for you to review your statement or items and report any problem or unauthorized transaction related to a matter shown on the statement or items. Except as provided by law with respect to electronic funds transfers, if you do not notify FSB of suspected problems or unauthorized transactions within 60 days after FSB sends your statement or makes items availableBy enrolling any accounts in E-Statements, you agree that you cannot make a claim against FSB relating to the unreported problems or unauthorized transactions, regardless notice of availability constitutes delivery of such E-Statements for all purposes on the date of the care or lack of care FSB may have exercised in handling your accountnotice. IF YOU DO NOT NOTIFY CITY NATIONAL BANK IN WRITING OF SUSPECTED PROBLEMS OR UNAUTHOIRZED TRANSACTIONS WITHIN 60 DAYS AFTER CNB SENDS YOUR STATEMENT OR MAKES ITEMS AVAILABLE, YOU AGREE THAT YOU CANNOT MAKE A CLAIM AGAINST THE BANK RELATING TO THE UNREPORTED PROBLEMS OR UNAUTHORIZED TRANSCTIONS, REGARDLESS OF THE CARE OR LACK OF CARE THE BANK MAY HAVE EXERCISED IN HANDLING YOUR ACCOUNT. In addition, if you fail to report an unauthorized transaction on your account within 60 days following the closing date of the statement containing information about the first first unauthorized transaction, FSB the Bank is not liable to you for subsequent unauthorized transactions on your account by the same person. If there are any unauthorized For more information about your rights and responsibilities, see the section titled Disclosures for Electronic Fund Transfers in the Disclosure Booklet. Account Management Tools Practice responsible account management, keep track of your transactions on and know how much money is in your account (such as missing, stolen, or unauthorized checks), FSB may require you account. Take advantage of these low-cost tools to close your current account and open a new one. If you do not do so, FSB is not liable to you for subsequent losses or damages on the account due to forgery, fraud, or other unauthorized use. When you open a new account, you are responsible for notifying any third parties that need to know your new account number. If you report to FSB that a forgery, alteration, or other unauthorized transaction has occurred on manage your account, you agree check balances and transfer funds when needed: CityNET online banking, mobile banking, text banking, and telephone banking. Additional options available include Pre-Authorized Overdraft Transfers and Overdraft Protection. Pre-Authorized Overdraft Transfers Pre-Authorized Overdraft Transfers are a convenient way to cooperate with FSB transfer funds from another CNB account into your checking account before it becomes overdrawn. You must enroll in Pre-Authorized Overdraft Transfers before your account is overdrawn. Funds may be transferred from another account such as a savings, money market, or additional checking account. Transfers are completed in increments of $100 and are subject to a $5 fee. Certain account types have restrictions on the number of monthly withdrawals or transfer. For additional information see the Pre-Authorized Overdraft Transfers section in the investigation and prosecution of your claim and any attempt to recover funds. You agree to provide FSB with an affidavit containing the information FSB requires concerning the transaction. FSB may deny your claim if you fail to provide FSB with any affidavit it requires. You also agree to assist FSB in identifying and prosecuting the suspected wrongdoer(s). You agree that FSB has a reasonable period of time to investigate the facts and circumstances surrounding any claimed loss and that FSB has no obligation to provisionally credit your account, unless otherwise required by law. FSB’s maximum liability is the lesser of your actual damages proved or the amount of the missing deposit or the forgery, alteration, or other unauthorized withdrawal, reduced in all cases by the amount of the loss that could have been avoided by your use of ordinary care. FSB is not liable to you for special or consequential losses or damages of any kind, including loss of profits and opportunity or for attorneys’ fees you incur. Funds AvailabilityDisclosure Booklet.
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Examining Statements and Reporting Problems. You agree to promptly and carefully review your account statement and any items reflected reflected on the statement. You must report problems or unauthorized transactions to FSB immediately. You agree that 60 days after FSB sends a statement or makes items available is the maximum reasonable amount of time for you to review your statement or items and report any problem or unauthorized transaction related to a matter shown on the statement or items. Except as provided by law with respect to electronic funds transfers, if you do not notify FSB of suspected problems or unauthorized transactions within 60 days after FSB sends your statement or makes items available, you agree that you cannot make a claim against FSB relating to the unreported problems or unauthorized transactions, regardless of the care or lack of care FSB may have exercised in handling your account. In addition, if you fail to report an unauthorized transaction on your account within 60 days following the closing date of the statement containing information about the first first unauthorized transaction, FSB is not liable to you for subsequent unauthorized transactions on your account by the same person. If there are any unauthorized transactions on your account (such as missing, stolen, or unauthorized checks), FSB may require you to close your current account and open a new one. If you do not do so, FSB is not liable to you for subsequent losses or damages on the account due to forgery, fraud, or other unauthorized use. When you open a new account, you are responsible for notifying any third parties that need to know your new account number. If you report to FSB that a forgery, alteration, or other unauthorized transaction has occurred on your account, you agree to cooperate with FSB in the investigation and prosecution of your claim and any attempt to recover funds. You agree to provide FSB with an affidavit affidavit containing the information FSB requires concerning the transaction. FSB may deny your claim if you fail to provide FSB with any affidavit affidavit it requires. You also agree to assist FSB in identifying and prosecuting the suspected wrongdoer(s). You agree that FSB has a reasonable period of time to investigate the facts and circumstances surrounding any claimed loss and that FSB has no obligation to provisionally credit your account, unless otherwise required by law. FSB’s 's maximum liability is the lesser of your actual damages proved or the amount of the missing deposit or the forgery, alteration, or other unauthorized withdrawal, reduced in all cases by the amount of the loss that could have been avoided by your use of ordinary care. FSB is not liable to you for special or consequential losses or damages of any kind, including loss of profits profits and opportunity or for attorneys’ ' fees you incur. Funds Availability
Appears in 1 contract
Samples: Depository Agreement and Disclosures
Examining Statements and Reporting Problems. This section applies to any problem, fee, or unauthorized transaction on your Account, except electronic transactions, which are covered in the Electronic Funds Transfers section. You agree to review, promptly and carefully review carefully, your account Account statement and any items reflected on accompanying Items. In the event that you discover the existence of unauthorized signatures, alterations, other unauthorized transactions, or missing deposits, or any fee, charge, or other transaction that you dispute, you agree to notify us immediately and in writing of such dispute or error within a reasonable time period, which will be no longer than thirty (30) calendar days after we send or make available to you your Account statement. You must report problems If you fail to notify us of an unauthorized signature, alteration, missing deposit, forgery, counterfeit check or other unauthorized debit to your Account, we will not be responsible for subsequent unauthorized transactions by the same wrongdoer if we act in good faith. Without regard to FSB immediately. You agree that 60 days after FSB sends a statement care or makes items available is the maximum reasonable amount lack of time for care by either you to review your statement or items and report any problem or unauthorized transaction related to a matter shown on the statement or items. Except as provided by law with respect to electronic funds transfersus, if you do not notify FSB of suspected problems discover and report an unauthorized signature, alteration, forgery, counterfeit check or other unauthorized transactions debit to your Account within 60 sixty (60) days after FSB sends the date of your statement or makes items available, you agree that you cannot make a claim against FSB relating to the unreported problems or unauthorized transactions, regardless of the care or lack of care FSB may have exercised in handling your account. In addition, if you fail to report an unauthorized transaction date on your account within 60 days following the closing date of the statement containing which information about the first Item or transaction is made available to you, whichever is earlier, you are precluded from asserting the unauthorized transaction against us. For Substitute Checks, you must notify us within forty (40) days to qualify for an expedited credit (see section titled Substitute Checks and Your Rights). If you claim a credit or refund because of an unauthorized transaction, FSB is not liable to you for subsequent unauthorized transactions on your account by the same person. If there are any unauthorized transactions on your account (such as missing, stolen, or unauthorized checks), FSB may we will require you to close your current account and open a new one. If you do not do so, FSB is not liable to you for subsequent losses or damages on the account due to forgery, fraud, or other unauthorized use. When you open a new account, you are responsible for notifying any third parties that need to know your new account number. If you report to FSB that a forgery, alteration, or other unauthorized transaction has occurred on your account, you agree to cooperate with FSB in the investigation and prosecution written confirmation of your claim and any attempt claim, including an affidavit signed by you on a form acceptable to recover funds. You agree to provide FSB with an affidavit containing the information FSB requires concerning the transaction. FSB may deny your claim if you fail to provide FSB with any affidavit it requiresus. You also agree to assist FSB in identifying make a report to the police and prosecuting to provide us with the suspected wrongdoer(s)copy of the report upon request. You agree that FSB has We will have a reasonable period of time to investigate the facts and circumstances surrounding any claimed loss and that FSB has loss. During our investigation, we will have no obligation to provisionally credit your account, unless otherwise required by law. FSB’s maximum liability is the lesser of your actual damages proved or the amount of the missing deposit or the forgery, alteration, or other unauthorized withdrawal, reduced in all cases by the amount of the loss that could have been avoided by your use of ordinary care. FSB is not liable to you for special or consequential losses or damages of any kind, including loss of profits and opportunity or for attorneys’ fees you incur. Funds AvailabilityAccount.
Appears in 1 contract
Samples: Personal Deposit Agreement
Examining Statements and Reporting Problems. You agree to promptly and carefully review your account statement and any items reflected on the statement. You must report problems or unauthorized transactions to FSB USB immediately. You agree that 60 days after FSB USB sends a statement or makes items available is the maximum reasonable amount of time for you to review your statement or items and report any problem or unauthorized transaction related to a matter shown on the statement or itemsstatement. Except as provided by law with respect to electronic funds transfers, if you do not notify FSB USB of suspected problems or unauthorized transactions within 60 days after FSB USB sends your statement or makes items available, you agree that you cannot make a claim against FSB USB relating to the unreported problems or unauthorized transactions, regardless of the care or lack of care FSB USB may have exercised in handling your account. In addition, if you fail to report an unauthorized transaction on your account within 60 days following the closing date of the statement containing information about the first first unauthorized transaction, FSB USB is not liable to you for subsequent unauthorized transactions on your account by the same person. If there are any unauthorized transactions on your account (such as missing, stolen, or unauthorized checks), FSB USB may require you to close your current account and open a new one. If you do not do so, FSB USB is not liable to you for subsequent losses or damages on the account due to forgery, fraud, or other unauthorized use. When you open a new account, you are responsible for notifying any third parties that need to know your new account number. If you report to FSB USB that a forgery, alteration, or other unauthorized transaction has occurred on your account, you agree to cooperate with FSB USB in the investigation and prosecution of your claim and any attempt to recover funds. You agree to provide FSB USB with an affidavit affidavit containing the information FSB USB requires concerning the transaction. FSB USB may deny your claim if you fail to provide FSB USB with any affidavit affidavit it requires. You also agree to assist FSB USB in identifying and prosecuting the suspected wrongdoer(s). You agree that FSB USB has a reasonable period of time to investigate the facts and circumstances surrounding any claimed loss and that FSB USB has no obligation to provisionally credit your account, unless otherwise required by law. FSBUSB’s maximum liability is the lesser of your actual damages proved or the amount of the missing deposit or the forgery, alteration, or other unauthorized withdrawal, reduced in all cases by the amount of the loss that could have been avoided by your use of ordinary care. FSB USB is not liable to you for special or consequential losses or damages of any kind, including loss of profits profits and opportunity or for attorneys’ fees you incur. Funds AvailabilityElectronic Banking Services USB provides electronic funds transfer (EFT) services for accounts. These include all transfers resulting from credits, and transfers (excluding wire transfers), telephone transfers, and online banking transactions. USB may issue you an access device in connection with the use of any EFT services. The access device may be a card, code, or other means of accessing your account to initiate EFTs. Any authorized signer on an account may apply for EFT services on behalf of all authorized signers.
Appears in 1 contract
Samples: content.usaa.com
Examining Statements and Reporting Problems. You agree to promptly and carefully review your account statement and any items reflected reflected on the statement. You must report problems or unauthorized transactions to FSB immediately. You agree that 60 days after FSB sends a statement or makes items available is the maximum reasonable amount of time for you to review your statement or items and report any problem or unauthorized transaction related to a matter shown on the statement or items. Except as provided by law with respect to electronic funds transfers, if you do not notify FSB of suspected problems or unauthorized transactions within 60 days after FSB sends your statement or makes items available, you agree that you cannot make a claim against FSB relating to the unreported problems or unauthorized transactions, regardless of the care or lack of care FSB may have exercised in handling your account. In addition, if you fail to report an unauthorized transaction on your account within 60 days following the closing date of the statement containing information about the first first unauthorized transaction, FSB is not liable to you for subsequent unauthorized transactions on your account by the same person. If there are any unauthorized transactions on your account (such as missing, stolen, or unauthorized checks), FSB may require you to close your current account and open a new one. If you do not do so, FSB is not liable to you for subsequent losses or damages on the account due to forgery, fraud, or other unauthorized use. When you open a new account, you are responsible for notifying any third parties that need to know your new account number. If you report to FSB that a forgery, alteration, or other unauthorized transaction has occurred on your account, you agree to cooperate with FSB in the investigation and prosecution of your claim and any attempt to recover funds. You agree to provide FSB with an affidavit affidavit containing the information FSB requires concerning the transaction. FSB may deny your claim if you fail to provide FSB with any affidavit affidavit it requires. You also agree to assist FSB in identifying and prosecuting the suspected wrongdoer(s). You agree that FSB has a reasonable period of time to investigate the facts and circumstances surrounding any claimed loss and that FSB has no obligation to provisionally credit your account, unless otherwise required by law. FSB’s maximum liability is the lesser of your actual damages proved or the amount of the missing deposit or the forgery, alteration, or other unauthorized withdrawal, reduced in all cases by the amount of the loss that could have been avoided by your use of ordinary care. FSB is not liable to you for special or consequential losses or damages of any kind, including loss of profits profits and opportunity or for attorneys’ fees you incur. Funds Availability
Appears in 1 contract
Samples: Depository Agreement and Disclosures
