Your Liability for Unauthorized Transfers; Advisability of Prompt Reporting. An unauthorized transfer means a transfer from your Account that is initiated by another person without your authority to initiate the transfer and from which you receive no benefit. The term does not include any transfer that is initiated by a person who was furnished with your Access Credentials by you, unless you have notified us that transfers by that person are no longer authorized and we have had reasonable opportunity to act on that notification.
a. Tell us AT ONCE by contacting us as provided in the "Errors or Questions" section of this Agreement if you believe your Access Credentials have been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all your money in your Account (plus your maximum overdraft or margin line of credit). If you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50.00 if someone used your Access Credentials without your permission.
b. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Access Credentials, and we can prove we could have stopped someone from using your Access Credentials without your permission if you had told us, you could lose as much as $500.00.
c. 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 provided to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If we determine that extenuating circumstances kept you from telling us, we may extend the time periods.
Your Liability for Unauthorized Transfers; Advisability of Prompt Reporting. An unauthorized transfer means a transfer from your Account that is initiated without your authority to initiate the transfer and from which you receive no benefit. The term does not include any transfer that is initiated by a person who was furnished with your Access Credentials by you, unless you have notified us that transfers by that person are no longer authorized and we have had reasonable opportunity to act on that notification.
a. Tell us AT ONCE if you believe your Card/code or access credentials have been lost or stolen, your PIN/Password has been discovered by someone else, someone has conducted or may conduct a Transaction without your permission, or if you believe that an electronic fund transfer has been made without your permission by someone using information from your check. Contact us immediately as described in Section 1.02, Errors or Questions about Your Electronic Transaction. You could lose all the money in your Account (plus your maximum overdraft line of credit). If you tell us within two Business Days, you can lose no more than $50 if someone used your Card/PIN/Password without your permission. If you do NOT tell us within two Business Days after you learn of the loss or theft of your Card/PIN/Password, and we can prove we could have stopped someone from using your Card/PIN/ Password without your permission if you had told us, you could lose as much as $500.
b. Also, if your statement shows Transactions 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 or electronically delivered (eStatements) 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 good reasons (such as long trips or a hospital stay) kept you from telling us, we will extend the time periods to a reasonable limit. Notice of lost Cards/PINs/Passwords or unauthorized Transactions is considered given to us either in person, by telephone, or in writing. If you notify us in writing, notice is considered given at the time you place the notice in the mail or when you deliver the notice for transmission by any other means. If you think your statement or receipt is wrong; or if you need more information about a Transaction listed on the statement or receipt, call or write us as indicated in Section I.02 as soon as you can.
Your Liability for Unauthorized Transfers; Advisability of Prompt Reporting. An unauthorized transfer means a transfer from your Account that is initiated by another person without your authority to initiate the transfer and from which you receive no benefit. The term does not include any transfer that is initiated by a person who was furnished with your Access Credentials by you, unless you have notified us that transfers by that person are no longer authorized and we have had reasonable opportunity to act on that notification. a. Tell us AT ONCE by contacting us as provided in the "Errors or Questions" section of this Agreement if you believe your Access Credentials have been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all your money in your Account (plus your maximum overdraft or margin line of credit). If you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50.00 if someone used your Access Credentials without your permission.
