Liability for Unauthorized Transfers- Personal Accounts only. Tell us, AT ONCE, if you believe your Card or PIN (code) has been lost or stolen. Telephoning is the best way to keep your possible losses down. You could lose all the money in your Account (plus your maximum overdraft line of credit). If you tell us within two (2) business days, you can lose no more than fifty dollars ($50.00) if someone used your Card or code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card or code, and we can prove we could have stopped someone from using your Card or code without your permission if you had told us, you could lose as much as five hundred dollars ($500.00). Also, if your statement shows transfers you did not make, tell us at once. If you are a California resident and you have a debit card that may be used without a PIN for electronic transactions from your consumer Account, then you will be responsible for the lesser of fifty dollars ($50.00) or the amount of unauthorized use prior to your notification to us of the loss or theft of your Card. If you do not notify us of the loss or theft of your Card within sixty (60) days after your Account statement was mailed to you and we can prove that we could have stopped someone from using your Card without your permission if you had told us, then you will be responsible for the amount of unauthorized use of your card up to the lesser of five hundred dollars ($500.00) or the amount of unauthorized use that occurs after the sixty (60) day period mentioned above until the time you notify us of the loss or theft of your card. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
Liability for Unauthorized Transfers- Personal Accounts only. Tell us AT ONCE if you believe your Credentials have been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account (plus your maximum overdraft line of credit). If you tell us within two (2) Business Days after you learn of the loss or theft of your Credentials, you can lose no more than $50 if someone used your Credentials without your permission. If you do NOT tell us within two (2) Business Days after you learn of the loss or theft of your Credentials, and we can prove that we could have stopped someone from using your Credentials without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
