Common use of Telephone Banking Service Clause in Contracts

Telephone Banking Service. You can use the telephone banking service to a. Check the balance on your accounts; b. Obtain details of your most recent transactions; c. Transfer money between your accounts; d. Set up direct debits; e. Speak to a Customer Service Representative in relation to any other enquiry. 1. When you call the telephone banking service, you will be asked questions based on information known to us about you and/ or transactions on your account which will enable us to identify you as our customer. 2. Where we are unable to identify you based on the information provided to us you will be asked for additional questions to identify you as our customer. 3. We will not be able to assist you with any specific query, if we decide that we are unable to identify you as our customer. We will, however, still be able to assist you in relation to general matters not specific to your account(s). 4. You must inform us immediately by telephone if you know or suspect that an unauthorised call has been made to our telephone banking service or that anyone else knows or has asked you for your information. 5. You must comply with all instructions we issue regarding using your account safely. 6. If you use a cordless or mobile telephone operating on an analogue network to telephone us, we accept no responsibility if any one else intercepts or overhears any telephone conversation between you and us. 7. You must check your statements regularly and notify us urgently if you think there has been a mistake. 1. Once we have checked your identity, we will act on any instructions given to us including payments of money from your account, considering these instructions were given by you or with your authority. 2. Unless you are liable to us under 3, we will be liable for any losses where instructions are not actually given by you or with your authority and we will credit your account with the amount of the unauthorised payment. We accept no further liability towards you. 3. You will be liable for all losses (including the amount of any transaction carried out without your authority) if you have acted fraudulently or without reasonable care, which includes, but is not limited to, not taking the reasonable steps, to allow an unauthorised transaction to take place. 4. Except where we can prove that you have acted fraudulently, you will not be responsible for any unauthorised instructions carried out after we have had a reasonable time to put into place additional security measures, once you have told us that you know or suspect that an unauthorised call has been made to our telephone banking service. 5. When we are trying to recover losses which you have suffered as a result of us acting on instructions which you later tell us were not given by you or which were given without your authority, we ask that you co-operate with us and the police. We may disclose information about you or your account to the police, or anybody else, if we believe that it will help prevent or recover losses suffered by you. 6. We may refuse to carry out any of your instructions if; a. They involve a transaction exceeding a particular volume or other limits which we may impose from time to time unless we agree otherwise; b. We feel there is any reason to do so, such as a suspected breach of security; c. We are unable to verify your identify, or d. We are of the view that there is any doubt whatsoever regarding your identity. We will contact you and tell you why, where we are not able to. 1. If your account is a joint account, the actions taken and/or instructions given to us by any one of you will be binding on the other account holder or holders without us having to make any further enquiries. 2. All of these telephone banking services conditions will apply to all of you, jointly and severally. This means that all of you will be responsible for the account individually as well as together.