Unauthorized Transactions - Personal Accounts Only Your Liability for Unauthorized Use. Tell us AT ONCE if you believe that your CFCU Online username or password has been lost, stolen or otherwise made available to an unauthorized person, or that someone has transferred or may transfer money from your account without your permission. Please refer to the “HOW TO CONTACT US” section at the end of this Disclosure for how to notify us. Telephoning is the best way to keep losses down. You could lose all the money in your account, plus your maximum overdraft line of credit if you fail to promptly report unauthorized CFCU Online use. If you believe your CFCU Online username or password has been lost or stolen or otherwise made available to an unauthorized person, and you tell us within two (2) business days after you learn of the loss or theft, you will have no liability for unauthorized transactions. However, if you DO NOT tell us within two (2) business days after you learn of the loss or the theft of your CFCU Online username or password, and we can prove we could have stopped someone from using password without your permission, you could lose as much as $500. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after sixty (60) days, if we can prove that we could have stopped someone from taking the money if you had told us in time. That means you could lose all the money in your account plus your maximum overdraft line of credit. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods.
