Important Information Regarding Your Account. In case of errors or questions about electronic funds transfers from your savings or checking account, telephone us at the following number or send us a written notice to the following address as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem appears. Call us at: (000) 000-0000 or write to: Westerra Credit Union X.X. Xxx 0000 Xxxxxx, XX 00000-0000 or email to: xxxxx@xxxxxxxxxx.xxx For requests that include personal information, please utilize secured messaging through digital banking. • Tell us your name and account number. • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. • Tell us the dollar amount and date of the suspected error. If you tell us verbally, we will require that you send us your dispute or question in writing by completing, signing (including verification by notary where indicated) and returning the necessary forms (to be provided by us) within ten (10) business days. If we do not receive written notice within ten (10) business days, we will proceed with the investigation of your issues, but will not have sufficient information to credit your account. We will determine whether an error occurred within ten (10) business days after we receive the written dispute or question from you and will correct any error promptly. If we need more time, however, we may take up to forty five (45) days to investigate your dispute or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. For errors involving new accounts, point-of-sale, or foreign initiated transactions, we may take up to 90 days to investigate your dispute or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days of completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
