Protecting your Account and your Information. You acknowledge that there’s a growing risk of losses resulting from fraud, including unauthorized items. To help prevent fraud on your account, you agree to take reasonable steps to ensure the integrity of your account and items drawn on your account or deposited to it. We recommend you take the following preventive measures (not an exhaustive list): Please read all provisions carefully in order to fully understand when funds may be available from certain deposits.
Protecting your Account and your Information. You acknowledge that there is a growing risk of losses resulting from fraud, which includes unauthorized items. Reasonable steps should be taken to ensure the integrity of your account and items drawn on your account or deposited to it. The following are some preventive measures that we recommend you take to help prevent fraud on your account: • Review your account statements when they are received and promptly notify us of any problem. • If you don’t receive an expected statement, promptly notify us. • Protect your account and routing numbers. • Secure your ATM/Debit Card and do not share your PIN. • Only write checks to people and businesses you know and secure your supply of checks at all times. • Don’t deposit checks from people whom you don’t know. • When writing your checks complete them in a manner that makes it difficult for others to add words, numbers or make other changes without your authorization. Below are some additional preventive measure that we recommend businesses take to help prevent fraud on your account: • Assign multiple individuals and periodically reassign responsibilities to your business account. • Watch for checks that are cashed out of sequential order or made out to cash. • Review your account regularly for unexpected fluctuations such as the percentage of cash deposits to total deposit size. • If an authorized signer’s authority ends, notify us immediately so their name can be removed from the account. • Obtain insurance coverage for bank account fraud risks. • Be watchful for imposters impersonating vendors or a vendor changing payment instructions. • When delivering checks or making deposits only send trusted employees. • Obtain Positive Pay and other fraud protection the Bank may offer. Except for consumer electronic fund transfers subject to Regulation E, you agree that if we offer you services appropriate for your account to help identify or limit fraudulent or other unauthorized transactions, and you reject those services, you will be responsible for any fraudulent or unauthorized transactions which could have been prevented by the services we offered. You will not be responsible for such transactions if we failed to act in good faith or to the extent our negligence contributed to the loss. Such services may include Positive Pay or other commercially reasonable security procedures. If we offered you a commercially reasonable security procedure which you reject, you agree that you are responsible for any payment order, w...
