Liability for Failure to Make Transfers. If we do not complete a transaction to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages caused by such failure. However, there are some exceptions. We will NOT be liable, for instance: • If, through no fault of ours, you do not have enough money in your account to make the transaction. • If the transaction would go over the credit limit on your overdraft line of credit. • If the ATM where you are making the transaction does not have enough cash. • If the terminal or the ATM system was not working properly and you knew about the breakdown when you started the transaction. • If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. • If there is a hold on your account or if access to your account is blocked in accordance with our policies. • If your funds are subject to legal process or encumbrances restricting transfer. • If your transfer authorization is terminated. • If a merchant refuses to accept your card. • If we refuse to cash any checks presented for payment through an ATM transaction. There may be other exceptions stated in our agreement with you or permitted by law. In case of errors or questions about your electronic transfers, call your local branch or write: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay-Varina, NC 00000-0000 Contact us 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. Alternatively, you may call or visit your local branch office. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. When you notify us: • Tell us your name and account number. • Describe the error or the transfer you are unsure about (including the date that it occurred), and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We will correct any error promptly. If we need more time to investigate your complaint or question, we may take up to 45 days to complete our investigation or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account opening. If we take the additional time to complete our investigation, we will re- credit your account for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening), so that you will have use of the money during the time it takes us to complete our investigation. We will tell you the results within three business days after completing our investigation. If we decide there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.
Appears in 2 contracts
Samples: Deposit Account Agreement, Deposit Account Agreement
Liability for Failure to Make Transfers. If we do not complete a transaction to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages caused by such failure. However, there are some exceptions. We will NOT be liable, for instance: • If, through no fault of ours, you do not have enough money in your account to make the transaction. • If the transaction would go over the credit limit on your overdraft line of credit. • If the ATM where you are making the transaction does not have enough cash. • If the terminal or the ATM system was not working properly and you knew about the breakdown when you started the transaction. • If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. • If there is a hold on your account or if access to your account is blocked in accordance with our policies. • If your funds are subject to legal process or encumbrances restricting transfer. • If your transfer authorization is terminated. • If a merchant refuses to accept your card. • If we refuse to cash any checks presented for payment through an ATM transaction. There may be other exceptions stated in our agreement with you or permitted by law. In case of errors or questions about your electronic transfers, call your local branch or write: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay-Varina, NC 00000-0000 Contact us 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. Alternatively, you may call or visit your local branch office. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. When you notify us: security number, telephone number, account number, type of account, specific item of dispute, and the reason you believe the information we reported is inaccurate. Send your notice to: • Tell us your name and account number. • Describe the error or the transfer you are unsure about (including the date that it occurred), and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We will correct any error promptly. If we need more time to investigate your complaint or question, we may take up to 45 days to complete our investigation or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account opening. If we take the additional time to complete our investigation, we will re- credit your account for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening), so that you will have use of the money during the time it takes us to complete our investigation. We will tell you the results within three business days after completing our investigation. If we decide there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. We are pleased to provide you with the following disclosures of your rights under the consumer protection provisions of the Fair Credit Reporting Act. These provisions protect individual consumers. Except to the extent required by applicable law, these disclosures do not apply to businesses or business or commercial transactions. Under the Fair Credit Reporting Act, you have the right to notify us if you believe we have inaccurately reported information about your account to a consumer reporting agency. Your notice to us should be in writing and should include your complete name, current address, social P.O. Box 8 Federal law requires us to provide the following notice to customers before any “negative information” may be furnished to a nationwide consumer reporting agency. “Negative information” means information concerning delinquencies, late payments, insolvency, or any form of default. This notice does not mean that we will be reporting information about you, only that we may report such information about customers that have not done what they are required to do under our agreement. A copy of our Privacy Policy is being provided to you along with this Agreement and is incorporated herein by reference. If you have any questions concerning our privacy policy, please contact your local branch, or write to us at the address above. You may also contact us via e-mail at xxxxxxx@xxxxxxxxxxxxxx.xxx.
Appears in 2 contracts
Samples: Deposit Account Agreement, Deposit Account Agreement
Liability for Failure to Make Transfers. If For consumer accounts, if we do not complete a transaction transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages caused by such failuredamages. However, there are some exceptions. We will NOT be liable, liable for instance: • * If, through no fault of ours, you do not have enough money in your account to make the transactiontransfer. • * If the transaction money in your account is subject to legal process or other claim restricting such transfer. * If the transfer would go over the credit limit on your overdraft line of creditline. • * If the ATM where you are making the transaction transfer does not have enough cash. • * If the terminal or the ATM system was not working properly and you knew about the breakdown when you started the transactiontransfer. • * If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. • If there is a hold on your account or if access to your account is blocked in accordance with our policies. • If your funds are subject to legal process or encumbrances restricting transfer. • If your transfer authorization is terminated. • If a merchant refuses to accept your card. • If we refuse to cash any checks presented for payment through an ATM transaction. * There may be other exceptions stated in our agreement with you or permitted by lawyou. For business accounts, refer to your account agreement(s) with us. In case Case of errors Errors or questions about your electronic transfersQuestions About Your Electronic Transfers. For consumer accounts, call your local branch telephone us at (000) 000-0000, or write: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay-Varina, NC 00000-0000 Contact write us as soon as you can, if you think your statement or receipt is at wrong or if you need more information about a transfer listed on the statement or receipt. Alternatively, you may call or visit your local branch office. We must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem or error appeared. When you notify us: • * Tell us your name and account numbernumber (if any). • * Describe the error or the transfer you are unsure about (including the date that it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information. • * Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 ten (10) business days. We will determine whether an error occurred within 10 ten (10) business days after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We and will correct any error promptly. If we need more time time, however, we may take up to forty five (45) days to investigate your complaint or question, we may take up to 45 days to complete our investigation or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account opening. If we take the additional time decide to complete our investigationdo this, we will re- credit your account within ten (10) business days for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening)error, so that you will have the use of the money during the time it takes us to complete our investigation. We will tell you the results within three business days after completing our investigation. If we decide there was no error, ask you to put your complaint or question in writing and we will send you a written explanation do not receive it within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.ten
Appears in 1 contract
Samples: Electronic Funds Transfer Agreement
Liability for Failure to Make Transfers. If we do not complete a transaction transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages caused by such failuredamages. However, there are some exceptions. We will NOT not be liable, for instance: • If, through no fault of ours, you do not have enough money in your account to make the transactiontransfer. • If the transaction transfer would go over the credit limit on your overdraft line of creditline. • If the ATM where you are making the transaction transfer does not have enough cash. • If the ATM, terminal or the ATM system was not working properly and you knew about the breakdown when you started the transactiontransfer. • If circumstances beyond our control (such as power outages, equipment failures, fire or flood) prevent the transactiontransfer, despite reasonable precautions that we have taken. • If there is a hold on your account or if access to your account is blocked in accordance with our policies. • If your the funds are subject to legal process or encumbrances other encumbrance restricting the transfer. • If your transfer authorization is terminatedan account becomes dormant, in which case we may terminate card or code access to that account. • If a merchant refuses your card or code has been revoked due to accept your card. • If we refuse to cash any checks presented for payment through an ATM transactioninactivity or at our discretion. There may be other exceptions stated in our agreement with you or permitted by law. In case of errors or questions Confidentiality - Account Information Disclosure We will disclose information to third parties about your electronic transfers, call your local branch account or write: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay-Varina, NC 00000-0000 Contact us transfers you make as stated in the Information about You and Your Account section near the front of this Agreement. Call or write as soon as you can, 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. Alternatively, you may call or visit your local branch office. We must hear from you no later than 60 days after we have sent you the FIRST statement on which the problem or error appeared. When you notify us: • Tell us your name and account number. • Describe the error or the transfer you are unsure about (including the date that it occurred), and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We will correct any error promptly. If we need more time to investigate your complaint or question, we may take up to 45 days to complete our investigation or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account opening. If we take the additional time to complete our investigation, we will re- credit your account for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening), so that you will have use of the money during the time it takes us to complete our investigation. We will tell you the results within three business days after completing our investigation. If we decide there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.
Appears in 1 contract
Samples: Deposit Agreement
Liability for Failure to Make Transfers. If we do not complete a transaction transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages caused by such failuredamages. However, there are some exceptions. We will NOT not be liable, for instance: • If, through no fault of ours, you do not have enough money in your account to make the transactiontransfer. • If the transaction would go over the credit limit on your overdraft line of credit. • If the ATM where you are making the transaction does not have enough cash. • If the terminal or the ATM system was not working properly and you knew about the breakdown when you started the transaction. • If circumstances beyond our control (such as fire or flood) prevent the transactiontransfer, despite reasonable precautions that we have taken. • If there is a hold on your account or if access to your account is blocked in accordance with our policies. • If your funds are subject to legal process or encumbrances restricting transfer. • If your transfer authorization is terminated. • If a merchant refuses to accept your card. • If we refuse to cash any checks presented for payment through an ATM transaction. There may be other exceptions stated in our agreement with you. Account Information Disclosure We will disclose information to third parties about your account or the transfers your make: Where it is necessary for completing transfers, or In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or In order to comply with government agency or court orders, or If you or permitted by lawgive us your written permission. In case of errors error or questions about your electronic transfers, call your local branch or write: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay-Varina, NC 00000call: (000) 000-0000 Contact us as soon as you canor write to: Fort Community Credit Union PO Box 160 Fort Xxxxxxxx, if WI 53538-0160 If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. Alternativelystatement, you may call or visit your local branch office. We we must hear from you no later than 60 sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. When you notify us: • Tell us your name and account numberaccount. • Describe the error or the transfer you are unsure about (including the date that it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within 10 ten (10) business days. We will determine whether an error occurred tell you the results of our investigation within 10 ten (10) business days after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We and will correct any error promptly. If we need more time time, however, we may take up to forty-five (45) days to investigate your complaint or question, we may take up to 45 days to complete our investigation or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account opening. If we take the additional time to complete our investigation, we will re- credit your account for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening), so that you will have use of the money during the time it takes us to complete our investigation. We will tell you the results within three business days after completing our investigation. If we decide there was no errorto do this, we will send you a written explanation recredit your account within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.ten
Appears in 1 contract
Samples: Account Agreement
Liability for Failure to Make Transfers. If For consumer accounts, if we do not complete a transaction transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages caused by such failuredamages. However, there are some exceptions. We will NOT be liable, liable for instance: • If, through no fault of ours, you do not have enough money in your account to make the transactiontransfer. • If the transaction money in your account is subject to legal process or other claim restricting such transfer. If the transfer would go over the credit limit on your overdraft line of creditline. • If the ATM where you are making the transaction transfer does not have enough cash. • If the terminal or the ATM system was not working properly and you knew about the breakdown when you started the transactiontransfer. • If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. • If there is a hold on your account or if access to your account is blocked in accordance with our policies. • If your funds are subject to legal process or encumbrances restricting transfer. • If your transfer authorization is terminated. • If a merchant refuses to accept your card. • If we refuse to cash any checks presented for payment through an ATM transaction. There may be other exceptions stated in our agreement with you or permitted by lawyou. For business accounts, refer to your account agreement(s) with us. In case Case of errors Errors or questions about your electronic transfersQuestions About Your Electronic Transfers. For consumer accounts, call your local branch telephone us at (970) 332 -4111, or write: Fidelity Bank Central Customer Inquiry P.O. write us at Xxxx State Bank, 000 Xxxx Xx, X.X. Box 996 Fuquay-Varina277, NC 00000-0000 Contact us Wray, CO 80758 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. Alternatively, you may call or visit your local branch office. We must would like to hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem or error appeared. When you notify us: • * Tell us your name and account numbernumber (if any). • Describe the error or the transfer you are unsure about (including the date that it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 ten (10) business days. We will determine whether an error occurred within 10 ten (10) business days after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We and will correct any error promptly. If we need more time time, however, we may take up to forty five (45) days to investigate your complaint or question, we may take up to 45 days to complete our investigation or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account opening. If we take the additional time decide to complete our investigationdo this, we will re- credit your account within ten (10) business days for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening)error, so that you will have the use of the money during the time it takes us to complete our investigation. If a notice of error involves an electronic fund transfer that occurred within thirty (30) days after the first deposit to the account was made, the error involves a new account. For errors involving new accounts, point of sale debit card transactions, or foreign-initiatedtransactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (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 after completing our investigation. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. For business accounts, we will generally follow the procedures for error resolution described above, but we are not required to process a claim if you do not notify us within Thirty (30) calendar days after the statement is made available, to give provisional credit, or to investigate your claim within the time periods described above.
Appears in 1 contract
Samples: Electronic Funds Transfer Agreement
Liability for Failure to Make Transfers. If For consumer accounts, if we do not complete a transaction transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages caused by such failuredamages. However, there are some exceptions. We will NOT be liable, liable for instance: • * If, through no fault of ours, you do not have enough money in your account to make the transactiontransfer. • * If the transaction money in your account is subject to legal process or other claim restricting such transfer. * If the transfer would go over the credit limit on your overdraft line of creditline. • * If the ATM where you are making the transaction transfer does not have enough cash. • * If the terminal or the ATM system was not working properly and you knew about the breakdown when you started the transactiontransfer. • * If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. • If there is a hold on your account or if access to your account is blocked in accordance with our policies. • If your funds are subject to legal process or encumbrances restricting transfer. • If your transfer authorization is terminated. • If a merchant refuses to accept your card. • If we refuse to cash any checks presented for payment through an ATM transaction. * There may be other exceptions stated in our agreement with you or permitted by lawyou. For business accounts, refer to your account agreement(s) with us. In case Case of errors Errors or questions about your electronic transfersQuestions About Your Electronic Transfers. For consumer accounts, call your local branch telephone us at (000) 000-0000, or write: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay-Varina, NC 00000-0000 Contact write us as soon as you can, if you think your statement or receipt is at wrong or if you need more information about a transfer listed on the statement or receipt. Alternatively, you may call or visit your local branch office. We must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem or error appeared. When you notify us: • * Tell us your name and account numbernumber (if any). • * Describe the error or the transfer you are unsure about (including the date that it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information. • * Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 ten (10) business days. We will determine whether an error occurred within 10 ten (10) business days after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We and will correct any error promptly. If we need more time time, however, we may take up to forty-five (45) days to investigate your complaint or question, we may take up to 45 days to complete our investigation or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account opening. If we take the additional time decide to complete our investigation, do this we will re- credit your account within ten (10) business days for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening)error, so that you will have the use of the money during the time it takes us to complete our investigation. We will tell you the results within three business days after completing our investigation. If we decide there was no error, ask you to put your complaint or question in writing and we will send you a written explanation do not receive it within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.ten
Appears in 1 contract
Samples: Electronic Funds Transfer Agreement
Liability for Failure to Make Transfers. If we do not complete a transaction transfer to or from your account Account on time or in the correct amount according to our agreement Agreement with you, we will be liable for your losses or damages caused by such failuredamages. However, there are some exceptions. We will NOT be liable, for instance: • If, through no fault of ours, you do not have enough money in your account Account to make the transaction. transfer; • If the transaction transfer would go over cause the balance to exceed the credit limit on your overdraft line of credit. protection loan; • If the ATM where you are making the transaction transfer does not have enough cash. ; • If the terminal or the ATM system was not working properly and you knew about the breakdown when you started the transaction. transfer; • If circumstances beyond our control (such as fire or flood) prevent the transactiontransfer, despite reasonable precautions that we have taken. ; • If there the failure to complete the transfer is a hold on done to protect the integrity of the system or to protect the security of your account or if access to your account is blocked in accordance with our policies. Account; • If your funds are Account is subject to an uncollected funds hold, legal process or encumbrances restricting transfer. other claim; • If your transfer authorization Card has expired or is terminated. damaged or is inactive because your access code was entered incorrectly; • If you use a merchant refuses to accept your card. Card that has been reported lost or stolen; • If we refuse the Credit Union has reason to cash any checks presented believe that something is wrong, for example, that your Card has been stolen; • If the transaction information supplied to the Credit Union by you or a third party is incorrect or untimely; • For preauthorized transfer, if through no fault of the Credit Union, the payment through an ATM transaction. information for a preauthorized transfer is not received; or • There may be other exceptions as stated in our an agreement you have with you the Credit Union or permitted as provided by law. In case of errors Call us at 000.000.0000, or questions about your electronic transferswrite to us at SchoolsFirst FCU, call your local branch or write: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay11547, Santa Ana, CA 92711-Varina1547, NC 00000-0000 Contact us as soon as you can, if you think your statement or receipt is wrong wrong, or if you need more information about a transfer transaction listed on the your statement or transaction receipt. Alternatively, you may call or visit your local branch office. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. When In order to help you notify uswith your questions, we will need the following information: • Tell us your name Your name, Account number, and account number. transaction date in question; • Describe the The error or the transfer you are unsure about (including the date that it occurred)about, and explain as clearly as you can why you believe it there is an error or why you need more information. ; and • Tell us the The dollar amount of the suspected errorsuspect transaction. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We you, and will correct any error promptly. If we need more time to investigate your complaint or questiontime, however, we may take up to 45 days to complete our investigation investigate your complaint or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account openingquestion. If we take the additional time decide to complete our investigationdo this, we will re- credit your account Account within 10 business days for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening)error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your Account. For errors involving new accounts, point-of-sale, or foreign- initiated transactions, we may take up to 90 days to investigate your complaint 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. An Account is considered a new Account for 30 days after the first deposit is made. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we may reverse the credit, if applicable, and we will send you a written explanation within three business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. If, as part of our investigation, we order a copy of a sales draft from a merchant, you may be charged a $10 fee for obtaining the copy. (See “Fees” elsewhere in this Agreement.)
Appears in 1 contract
Liability for Failure to Make Transfers. If we do not complete a transaction to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages caused by such failure. However, there are some exceptions. We will NOT be liable, for instance: • If, through no fault of ours, you do not have enough money in your account to make the transaction. • If the transaction would go over the credit limit on your overdraft over- draft line of credit. • If the ATM where you are making the transaction does not have enough cash. • If the terminal or the ATM system was not working properly and you knew about the breakdown when you started the transactiontransac- tion. • If circumstances beyond our control (such as fire or flood) prevent pre- vent the transaction, despite reasonable precautions that we have taken. • If there is a hold on your account or if access to your account is blocked in accordance with our policies. • If your funds are subject to legal process or encumbrances restricting re- stricting transfer. • If your transfer authorization is terminated. • If a merchant refuses to accept your card. • If we refuse to cash any checks presented for payment through an ATM transaction. There may be other exceptions stated in our agreement with you or permitted by law. In case of errors or questions about your electronic transfers, call us or write us at the telephone number or the address shown on your local branch or write: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay-Varina, NC 00000-0000 Contact us periodic statement as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer trans- fer listed on the statement or receipt. Alternatively, you may call or visit your local branch office. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. When you notify us: • Tell us your name and account number. • Describe the error or the transfer you are unsure about about, (including includ- ing the date that it occurred), ) and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell notify us orallyin person or by telephone of a suspected error, we may require that you send followup your oral notice or questions in writ- ing. If we do require that you notify us your complaint or question in writing, we must receive this writing within 10 ten business daysdays of your oral notice. We will determine whether an error occurred tell you the results of our investigation within 10 ten business days after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We and will correct any error promptly. If we need more time to investigate your complaint or questiontime, however, we may take up to 45 days to complete our investigation inves- tigate your complaint or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account openingquestions. If we take the additional time decide to complete our investigationdo this, we will re- provisionally credit your account within ten business days for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening), so that you will have the use of the money during the time it takes us to complete our investigation. We will tell If we ask you the results to put your complaint or question in writing and we do not receive it within three ten business days, we may not provisionally credit your account. For errors involving new accounts, point-of-sale debit card trans-ac- tions, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days after completing our investigationto provisionally credit your ac- count for the amount you think is in error. If we decide there was no error, we will send you a written explanation expla- nation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigationin- vestigation. For your safety, please follow these suggestions when using any ATM machine: • Commit your PIN (Personal Identification Number) to memory and never share your PIN. • As you approach an ATM, be aware of your surroundings. • Wait until you leave the ATM to count your money. • Immediately report a lost or stolen card to the Bank. • Have your card ready when you approach the ATM. • Wait until previous customers have finished their transactions. • Stand close to the ATM when entering your PIN. • If using a drive-through ATM: pull up close to the ATM, remain in your car with doors locked, and keep your car running while operating the ATM. We are pleased to provide you with the following disclosures of your rights under the consumer protection provisions of the fed- eral Fair Credit Reporting Act. These provisions protect individual consumers. Except to the extent required by applicable law, these disclosures do not apply to businesses or business or commercial transactions.
Appears in 1 contract
Samples: Deposit Account Agreement
Liability for Failure to Make Transfers. If For consumer accounts, if we do not complete a transaction transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages caused by such failuredamages. However, there are some exceptions. We will NOT be liable, liable for instance: • * If, through no fault of ours, you do not have enough money in your account to make the transactiontransfer. • * If the transaction money in your account is subject to legal process or other claim restricting such transfer. * If the transfer would go over the credit limit on your overdraft line of creditline. • * If the ATM where you are making the transaction transfer does not have enough cash. • * If the terminal or the ATM system was not working properly and you knew about the breakdown when you started the transactiontransfer. • * If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. • If there is a hold on your account or if access to your account is blocked in accordance with our policies. • If your funds are subject to legal process or encumbrances restricting transfer. • If your transfer authorization is terminated. • If a merchant refuses to accept your card. • If we refuse to cash any checks presented for payment through an ATM transaction. * There may be other exceptions stated in our agreement with you or permitted by lawyou. For business accounts, refer to your account agreement(s) with us. In case Case of errors Errors or questions about your electronic transfersQuestions About Your Electronic Transfers. For consumer accounts, call your local branch telephone us at (000) 000-0000, or write: Fidelity write us at Charlotte State Bank Central Customer Inquiry P.O. Box 996 Fuquay-Varina& Trust,1100 Xxxxxxx Xxxxx, NC Xxxx Xxxxxxxxx, XX 00000-0000 Contact us 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. Alternatively, you may call or visit your local branch office. We must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem or error appeared. When you notify us: • * Tell us your name and account numbernumber (if any). • * Describe the error or the transfer you are unsure about (including the date that it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information. • * Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 ten (10) business days. We will determine whether an error occurred within 10 ten (10) business days after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We and will correct any error promptly. If we need more time time, however, we may take up to forty five (45) days to investigate your complaint or question, we may take up to 45 days to complete our investigation or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account opening. If we take the additional time decide to complete our investigationdo this, we will re- credit your account within ten (10) business days for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening)error, so that you will have the use of the money during the time it takes us to complete our investigation. We will tell you the results within three business days after completing our investigation. If we decide there was no error, ask you to put your complaint or question in writing and we will send you a written explanation do not receive it within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.ten
Appears in 1 contract
Samples: Electronic Funds Transfer Agreement
Liability for Failure to Make Transfers. If we do not complete a transaction to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages caused by such failure. However, there are some exceptions. We will NOT be liable, for instance: • If, through no fault of ours, you do not have enough money in your account to make the transaction. • If the transaction would go over the credit limit on your overdraft line of credit. • If the ATM where you are making the transaction does not have enough cash. • If the terminal or the ATM system was not working properly and you knew about the breakdown when you started the transaction. • If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. • If there is a hold on your account or if access to your account is blocked in accordance with our policies. • If your funds are subject to legal process or encumbrances restricting transfer. • If your transfer authorization is terminated. • If a merchant refuses to accept your card. • If we refuse to cash any checks presented for payment through an ATM transaction. There may be other exceptions stated in our agreement with you or permitted by law. ERROR RESOLUTION In case of errors or questions about your electronic transfers, call your local branch or write: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay-Varina, NC 00000-0000 Contact us 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. Alternatively, you may call or visit your local branch office. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. When you notify us: • Tell us your name and account number. • Describe the error or the transfer you are unsure about (including the date that it occurred), and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We will correct any error promptly. If we need more time to investigate your complaint or question, we may take up to 45 days to complete our investigation or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account opening. If we take the additional time to complete our investigation, we will re- credit your account for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening), so that you will have use of the money during the time it takes us to complete our investigation. We will tell you the results within three business days after completing our investigation. If we decide there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.
Appears in 1 contract
Samples: Deposit Account Agreement
Liability for Failure to Make Transfers. If we do not complete a transaction transfer to or from your account Account on time or in the correct amount according to our agreement Agreement with you, we will be liable for your losses or damages caused by such failuredamages. However, there are some exceptions. We will NOT be liable, for instance: • If, through no fault of ours, you do not have enough money in your account Account to make the transaction. transfer; • If the transaction transfer would go over cause the balance to exceed the credit limit on your overdraft line of credit. protection loan; • If the ATM Automated Teller Machine (ATM) where you are making the transaction transfer does not have enough cash. ; • If the terminal or the ATM system was not working properly and you knew about the breakdown when you started the transaction. transfer; • If circumstances beyond our control (such as fire or flood) prevent the transactiontransfer, despite reasonable precautions that we have taken. ; • If there the failure to complete the transfer is a hold on done to protect the integrity of the system or to protect the security of your account or if access to your account is blocked in accordance with our policies. Account; • If your funds are Account is subject to an uncollected funds hold, legal process or encumbrances restricting transfer. other claim; • If your transfer authorization Card has expired or is terminated. damaged or is inactive because your access code was entered incorrectly; • If you use a merchant refuses to accept your card. Card that has been reported lost or stolen; • If we refuse the Credit Union has reason to cash any checks presented believe that something is wrong, for example, that your Card has been stolen; • If the transaction information supplied to the Credit Union by you or a third party is incorrect or untimely; • For preauthorized transfer, if through no fault of the Credit Union, the payment through an ATM transaction. information for a preauthorized transfer is not received; or • There may be other exceptions as stated in our an agreement you have with you the Credit Union or permitted as provided by law. In case of errors Call us at 000.000.0000, or questions about your electronic transferswrite to us at SchoolsFirst FCU, call your local branch or write: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay11547, Santa Ana, CA 92711-Varina1547, NC 00000-0000 Contact us as soon as you can, if you think your statement or receipt is wrong wrong, or if you need more information about a transfer transaction listed on the your statement or transaction receipt. Alternatively, you may call or visit your local branch office. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. When In order to help you notify uswith your questions, we will need the following information: • Tell us your name Your name, Account number, and account number. transaction date in question; • Describe the The error or the transfer you are unsure about (including the date that it occurred)about, and explain as clearly as you can why you believe it there is an error or why you need more information. ; and • Tell us the The dollar amount of the suspected errorsuspect transaction. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We you, and will correct any error promptly. If we need more time to investigate your complaint or questiontime, however, we may take up to 45 days to complete our investigation investigate your complaint or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account openingquestion. If we take the additional time decide to complete our investigationdo this, we will re- credit your account Account within 10 business days for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening)error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your Account. For errors involving new accounts, point-of-sale, or foreign- initiated transactions, we may take up to 90 days to investigate your complaint 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. An Account is considered a new Account for 30 days after the first deposit is made. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we may reverse the credit, if applicable, and we will send you a written explanation within three business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. If, as part of our investigation, we order a copy of a sales draft from a merchant, you may be charged a $10 fee for obtaining the copy. (See “Fees” elsewhere in this Agreement.)
Appears in 1 contract
