How Do You Make a Claim for a Refund. If you are a consumer customer and 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 your Account Officer. 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 for a reasonable time 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 Your claim must include: • A description of why you have suffered a loss (e.g., you think the amount withdrawn was incorrect); • An estimate of the amount of your loss; • An explanation of why the Substitute Check you received is insufficient to confirm that you suffered a loss; and • A copy of the Substitute Check and/or the following information to help us identify the Substitute Check: identifying information, for example the check number, the name of the person to whom you wrote the check, and the amount of the check. By signing the Application for Transfer of Funds (“Transfer Application”) and/or choosing the interbank transfer option of the Letter of Authorization to Pay Third Parties on Behalf of Bank Customers (“Letter of Authorization”), you also agree to the following provisions applicable to fund transfers (i.e., wire transfers and ACH transfers), including foreign/cross-border wire remittance transfers governed by Subpart B of Regulation E of the Consumer Financial Protection Bureau. They do not apply to electronic fund transfers governed by Subpart A of Regulation E of the Consumer Financial Protection Bureau, which are covered in the “Electronic Banking Services/Electronic Fund Transfers” section of this Agreement.
How Do You 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 primary deposit account, please contact us at (000) 000-0000. 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 primary deposit 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 – • Your name and Account number; • 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 suffered a loss; and • A copy of the substitute check and/or the following information to help us identify the substitute check: the check number, the date of the check, the name of the person to whom you wrote the check, and the exact amount of the check (dollars and cents).
How Do You Make a Claim for a Refund. If you believe that you have suffered a loss relating to a substitute check that was posted to your Account, please contact the Bank at 0-000-000-0000 or you can visit your local branch. You must contact the Bank within forty (40) calendar days of the date that the Bank mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the statement for your Account showing that the substitute check was posted to your Account, whichever is later. The Bank will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. We may require that you submit your claim in writing. Your claim will still be timely if we receive your oral claim within the 40 day time period, and we receive your written claim no later than the 10th business day after you submitted your oral claim.
How Do You 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 0-000-000-0000. You must contact us within forty (40) calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in ques- tion or the account statement showing that the substitute check was posted to your account, whichever is later. Your claim must include: • Your name and account number; • 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 suffered a loss; and • A copy of the substitute check and/or the following information to help us identify the substitute check: the check number, the date of the check, the name of the person to whom you wrote the check, and the exact amount of the check (dollars and cents).
How Do You 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 our Operations Department. You must contact us within forty (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: Unless we specifically permit you to do so, at our sole discretion, you may not deposit in an Account any substitute check that has not been created or previously transferred/presented for payment by a bank (12 U.S.C. § 5002(2)) in the U.S. check collection process. This means that, unless we enter into a specific agreement with you to do so, you cannot deposit in an Account, among others, a substitute check that is created by: (a) an individual; (b) a nonbank entity; or (c) a foreign bank outside the U.S. check collection process.
