Your Liability. Your deposit accounts are protected from unauthorized UMB ATM Network transactions because you are the only one who should know your Personal Identification Number (“PIN”). Your Card cannot be used at an ATM or POS terminal without your PIN. If your Card is lost or stolen, or your Card and PIN are used without your authorization, you should know the steps you must take to safeguard your deposit account and minimize your liability. You should not store your Card and PIN information together. You must tell us AT ONCE if you believe your Card and/or PIN has been lost or stolen or if you believe that an electronic funds transfer has been made without your permission. Telephoning us promptly is the best way of reducing your possible losses. You could lose all the money in your deposit account plus the amount of overdraft protection available to you. In the case of TotalCheck Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that account. If you tell us within two (2) business days, you can lose no more than $50 if someone used your Card or PIN 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 and we can prove that we could have stopped someone from using your Card or PIN 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, PIN, or other means, tell us AT ONCE. If you do not tell us within sixty (60) calendar days after the statement was mailed or made available to you, you may not get back any money you lost if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances prevented you from telling us, we will extend the time periods. The liability limits described above are the limits of your liability under federal or other applicable law and regulations. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or account, you may be liable for those transactions that occurred prior to your notification as provided under federal or other applicable laws and regulations. If you believe your Card and/or PIN have been lost or stolen or that someone has transferred or may transfer money from your account, telephone us at (000) 000-0000 or write us at the address shown at the beginning of this disclosure. You should also telephone us or write us at the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permission.
Appears in 3 contracts
Samples: Deposit Account Agreement, Deposit Account Agreement, Deposit Account Agreement
Your Liability. Your deposit accounts are protected from unauthorized UMB ATM Network transactions because you are the only one who should know your Personal Identification Number (“PIN”). Your Card cannot be used at an ATM or POS terminal without your PIN. If your Card is lost or stolen, or your Card and PIN are used without your authorization, you should know the steps you must take to safeguard your deposit account and minimize your liability. You should not store your Card and PIN information together. You must tell Tell us AT ONCE if you believe any of your Card and/or PIN has Security Credentials or ATM or debit cards ("Cards") have been lost or stolen or if you believe that an electronic funds transfer has been made someone, without your permission, has transferred or may transfer money from your Account, including a transfer made using the information from your check. Telephoning us promptly is the best way of reducing keeping your possible losseslosses down. You could lose all the money in your deposit account Account (plus the amount of overdraft protection available to you. In the case of TotalCheck Overdraft Protection, the maximum amount would be the of any line of credit available (such as a Checkline Reserve or EquityLine) or savings account linked to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of your Account for overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that accountpurposes. If you believe one or more of your Security Credentials or Cards has been lost or stolen, and you tell us within two (2) business daysBusiness Days after you learn of the loss or theft, you can lose no more than $50 if someone used for unauthorized transactions using your Card or PIN without your permissionCard. If you DO do NOT tell us within two (2) business days Business Days after you learn of the loss or theft of your Card Security Credentials or Card, and we can prove that we could have stopped someone from using your Security Credentials or Card or PIN without your permission if you had told us, you could lose as much as $500500 for the unauthorized transactions. AlsoLosses could include not only the money in your Account, if but also advances on any credit line associated with your Account. We will send you a monthly account statement for your checking and savings accounts unless there are no transfers in a particular month. In any case, we will send you a statement for your checking and savings accounts at least quarterly. The statement will show all transfers and payments you initiate through Digital Banking. If your statement shows transfers that you did not make, including those made by Card, PIN, use of your Security Credentials or other meansCards, tell us AT ONCEat once. If you do not tell us within sixty (60) calendar 60 days after the statement documenting the transfer was mailed or made available 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 extenuating circumstances prevented a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. The liability limits described above are the limits of your liability under federal or other applicable law and regulations. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or account, you may be liable for those transactions that occurred prior to your notification as provided under federal or other applicable laws and regulations. If you believe any of your Card and/or PIN Security Credentials or Cards have been lost stolen, or stolen or that someone has transferred or may transfer money from your account, telephone us at (000) 000-0000 or write us at the address shown at the beginning of this disclosure. You should also telephone us or write us at the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permission, CALL US IMMEDIATELY at FC DIRECT using our toll-free number. If you cannot reach us by telephone, you may write to us using the contact information provided in the Bank Contacts section at the end of this Agreement. Please refer to the Regulation E Disclosures in your Deposit Account Agreement, and in particular the section entitled "Your Liability for Unauthorized Transfers," for important information about your rights and obligations in the event of unauthorized transfers from your consumer account.
Appears in 2 contracts
Samples: Digital Banking Agreement, Digital Banking Agreement
Your Liability. Your deposit accounts are protected from unauthorized UMB ATM Network transactions because you are the only one who should know your Personal Identification Number (“PIN”/CODE). Your Card cannot be used at an ATM or POS terminal without your PIN/CODE. If your Card is lost or stolen, or your Card and PIN PIN/CODE are used without your authorization, you should know the steps you must take to safeguard your deposit account and minimize your liability. You should not store your Card and PIN information together. You must tell Tell us AT ONCE if you believe your Card and/or PIN PIN/CODE has been lost or stolen or if you believe that an electronic funds transfer has been made without your permissionpermission using information from your check. Telephoning us promptly is the best way of reducing your possible losses. You could lose all the money in your deposit account plus the amount of overdraft protection available to you. (In the case of TotalCheck Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- to-Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that account. .) If you tell us within two (2) business days, you can lose no more than $50 if someone used your Card or PIN PIN/CODE without your permission. If you DO NOT tell us within two (2) business days (four (4) business days if a Kansas resident) after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card or PIN PIN/CODE without your permission if you had told us, you could lose as much as $500500 ($300 if Kansas resident, or $50 if you are a Colorado resident and your account is a personal (consumer) account, i.e. it is held primarily for personal, family or household purposes). If your account is a personal (consumer) account and you are a resident of Colorado and the unauthorized use occurs through no fault of your own, you will have no liability for the unauthorized use. Also, if your statement shows transfers that you did not make, including those made by Card, PIN, CODE or other means, tell us AT ONCE. If you do not tell us within sixty (60) calendar days after the statement was mailed or made available to you, you may not get back any money you lost after the sixty (60) calendar days if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances prevented you from telling us, we will extend the time periods. The liability limits described above are the limits of your liability under federal Federal or other applicable law and regulations. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or Card account. If we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or Card account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or Card account, you may be liable for those transactions that occurred prior to your notification as provided under federal Federal or other applicable laws and regulations. If you believe your Card and/or PIN PIN/CODE have been lost or stolen or that someone has transferred or may transfer money from your account, telephone us at (000) 000-0000 the numbers listed below or write us at the address shown at the beginning of this disclosure. • UMB ATM card at (000) 000-0000; • UMB Visa Debit Card/UMB VISA card at (000) 000-0000 and (000) 000-0000 or, if no answer, call (000) 000-0000. You should also telephone us or write us at the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permission.
Appears in 2 contracts
Samples: Account Agreement, Account Agreement
Your Liability. Your deposit accounts are protected from unauthorized UMB ATM Network Ultra transactions because you are the only one who should know your Personal Identification Number (“PIN”/CODE). Your Card cannot be used at an ATM or POS terminal without your PIN/CODE. If your Card is lost or stolen, or your Card and PIN PIN/CODE are used without your authorization, you should know the steps you must take to safeguard your deposit account and minimize your liability. You should not store your Card and PIN information together. You must tell Tell us AT ONCE if you believe your Card and/or PIN PIN/CODE has been lost or stolen or if you believe that an electronic funds transfer has been made without your permissionpermission using information from your check. Telephoning us promptly is the best way of reducing your possible losses. You could lose all the money in your deposit account plus the amount of overdraft protection available to you. (In the case of TotalCheck Overdraft Protectionoverdraft protection, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protectionoverdraft protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that account. .) If you tell us within two (2) business days, you can lose no more than $50 if someone used your Card or PIN PIN/CODE without your permission. If you DO NOT tell us within two (2) business days (four (4) business days if a Kansas resident) after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card or PIN PIN/CODE without your permission if you had told us, you could lose as much as $500500 ($300 if Kansas resident, or $50 if you are a Colorado resident and your account is a consumer account, i.e. it is held primarily for personal, family or household purposes). If your account is a consumer account and you are a resident of Colorado and the unauthorized use occurs through no fault of your own, you will have no liability for the unauthorized use. Also, if your statement shows transfers that you did not make, including those made by Card, PIN, CODE or other means, tell us AT ONCEat once. If you do not tell us within sixty (60) calendar days after the statement was mailed or made available 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 extenuating circumstances prevented a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. The liability limits described above are the limits of your liability under federal or other applicable law and regulations. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or account, you may be liable for those transactions that occurred prior to your notification as provided under federal or other applicable laws and regulations. If you believe your Card and/or PIN PIN/CODE have been lost or stolen or that someone has transferred or may transfer money from your account, telephone us at (000) 000-0000 call or write us at the telephone number or address shown at the beginning of this disclosure. If no answer, call: • Ultra card - (000) 000-0000; • UMB Visa Debit Card/Ultra VISA card - (000) 000-0000 and (000) 000-0000 or, if no answer, call (000) 000-0000. You should also call us at the telephone us number or write us at the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permission.
Appears in 1 contract
Samples: Account Agreement
Your Liability. Your deposit The liability of personal account holders for unauthorized transfers from their accounts are protected from unauthorized UMB ATM Network transactions because is limited by the Electronic Funds Transfer Act, as described below. A personal account is an account established in the name of a natural person primarily for personal, family, or household purposes. Any other account is a non-personal account. For personal account holders, you are the only one who should know your Personal Identification Number (“PIN”). Your Card cannot be used at an ATM responsible for all transfers you authorize or POS terminal without your PINinitiate through BerkOnline®. If your Card is lost or stolen, you permit other persons to use BerkOnline® or your Card and PIN are used without your authorizationPassword, you should know the steps you must take to safeguard are responsible for any transactions they authorize from your deposit account and minimize your liabilityaccounts. You should not store your Card and PIN information together. You must tell us AT ONCE if If you believe that your Card and/or PIN Password has been lost or stolen or if you believe that an electronic funds someone has transferred or may transfer has been made money from your account without your permission, notify us AT ONCE, at the phone number or address set forth below. Telephoning us promptly is the best way of reducing your possible losses. You If you do not do so, you could lose all the money in your deposit account plus each of the amount accounts, as well as all of the available funds in any overdraft protection available to you. In the case of TotalCheck Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the account or any other credit line of credit available to you. In the case of overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that accountincluded among your accounts. If you believe your Password has been lost or stolen or that an unauthorized transfer has been made from any of your deposit accounts, and you tell us within two (2) business days2 Business Days after you discover the loss or theft, you can lose no more than $50 if someone used your Card or PIN makes a transfer without your permissionauthorization. If you DO NOT do not tell us within two (2) business days 2 Business Days after you learn of discover the loss or theft of your Card Password or that an unauthorized BerkOnline® transfer has been made from any of your deposit accounts, and we can prove that we could have stopped someone from using your Card or PIN making a transfer without your permission authorization if you had told us, you could lose as much as $500. AlsoFurthermore, if your any deposit account statement shows BerkOnline® transfers that you did not make, including those made by Card, PIN, or other means, tell us AT ONCE. If you do not tell us within sixty (60) calendar 60 days after the a statement showing such a transfer was mailed or made available transmitted 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 extenuating circumstances prevented a good reason, such as a long trip or hospital stay, kept you from telling us, we will extend the time periods. The liability limits described above For non-personal account holders, you are responsible for all transfers which are authorized using your Password. If you permit other persons to use BerkOnline® or your Password, you are responsible for any transactions they authorize. You assume the limits entire risk for the fraudulent, unauthorized, or otherwise improper use of your liability under federal Password. The Bank shall be entitled to rely on the genuineness and authority of all instructions received by us when accompanied by your Password, and to act on such instructions. For personal accounts, if we do not complete a transfer to or other applicable law and regulationsfrom your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following there are some exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt mannerWe will not be liable, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or account, you may be liable for those transactions that occurred prior to your notification as provided under federal or other applicable laws and regulations. If you believe your Card and/or PIN have been lost or stolen or that someone has transferred or may transfer money from your account, telephone us at (000) 000-0000 or write us at the address shown at the beginning of this disclosure. You should also telephone us or write us at the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permission.instance:
Appears in 1 contract
Samples: Terms and Conditions
Your Liability. Your deposit The liability of personal accountholders for unauthorized transfers from their accounts are protected from unauthorized UMB ATM Network transactions because is limited by the Electronic Fund Transfer Act and Federal Reserve Board Regulation E, as described below. A personal account is an account established in the name of a natural person primarily for personal, family, or household purposes. Any other account is a non-personal account. For personal accounts, you are the only one who should know your Personal Identification Number (“PIN”). Your Card cannot be used at an ATM responsible for all transfers that you authorize or POS terminal without your PINinitiate through BerkOnline®. If you permit other persons to use BerkOnline® or your Card is lost Password, you are responsible for any transactions they authorize from your accounts, whether you specifically authorize the transactions or not, and all transactions that person performs, even those transactions that you did not intend or want performed, or that are initiated with fraudulent intent, are authorized transactions. If you believe that your Password has been compromised, lost, or stolen, or that an unauthorized or that an unauthorized transfer has been made from your Card and PIN are used account, or that someone may transfer money from your account without your authorizationpermission, notify us AT ONCE, by calling us at (000) 000-0000, or writing to us at The Berkshire Bank, Operations Department, 0 Xxxxxxxx, Xxx Xxxx, Xxx Xxxx 00000. Telephoning us is the best and fastest way of keeping your possible losses to a minimum. If you do not do so, you should know could lose all the steps you must take to safeguard money in each of your deposit accounts, as well as all of the available funds in any overdraft protection account and minimize or any other credit line included among your liabilityaccounts. You should not store your Card and PIN information together. You must tell us AT ONCE if If you believe your Card and/or PIN Password has been lost or stolen or if you believe that an electronic funds unauthorized transfer has been made without your permission. Telephoning us promptly is the best way from any of reducing your possible losses. You could lose all the money in your deposit account plus the amount of overdraft protection available to you. In the case of TotalCheck Overdraft Protectionaccounts, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that account. If and you tell us within two (2) business days2 Business Days after you discover the loss or theft, you can lose no more than $50 if someone used your Card or PIN makes a transfer without your permissionauthorization. If you DO NOT do not tell us within two (2) business days 2 Business Days after you learn of discover the loss or theft of your Card Password or that an unauthorized BerkOnline® transfer has been made from any of your deposit accounts, and we can prove that we could have stopped someone from using your Card or PIN making a transfer without your permission authorization if you had told us, you could lose as much as $500. AlsoFurthermore, if your any deposit account statement shows BerkOnline® transfers that you did not make, including those made by Card, PIN, or other means, tell us AT ONCE. If you do not tell us within sixty (60) calendar 60 days after the a statement showing such a transfer was mailed or made available transmitted 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 extenuating circumstances prevented a good reason, such as a long trip or hospital stay, kept you from telling us, we will may extend the time periods. The liability limits described above are the limits of your liability under federal or other applicable law and regulations. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or accountFor non-personal accounts, you may be liable are responsible for those transactions that occurred prior to all transfers which are authorized using your notification as provided under federal or other applicable laws and regulationsPassword. If you believe permit other persons to use BerkOnline® or your Card and/or PIN have been lost or stolen or that someone has transferred or may transfer money from your accountPassword, telephone us at (000) 000-0000 or write us at the address shown at the beginning of this disclosureyou are responsible for any transactions they authorize. You should also telephone assume the entire risk for the fraudulent, unauthorized, or otherwise improper use of your Password. We shall be entitled to rely on the genuineness and authority of all Instructions received by us when accompanied by such Password, and to act on such Instructions. The provisions of the Electronic Fund Transfer Act, Federal Reserve Board Regulation E, and any other laws or write us at regulations intended for the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permissionprotection of or governance of transactions involving consumers or consumer accounts do not apply to any transactions involving non-personal accounts.
Appears in 1 contract
Your Liability. Your deposit This section applies to consumer accounts are protected from unauthorized UMB ATM Network transactions because you are the only one who should know your Personal Identification Number (“PIN”). Your Card cannot be used at an ATM or POS terminal without your PINonly. If your Card account is lost or stolena business account, or your Card liability for unauthorized transfers will be governed by your Account Agreement and PIN are used without other provisions that apply to your authorization, you should know the steps you must take to safeguard your deposit account and minimize your liabilityaccount. You should not store review your Card and PIN information togethercontrols to ensure that they are appropriate for the risk of loss you are willing to accept. You must tell Tell us AT ONCE if you believe your Card and/or PIN login information or mobile device has been lost or lost, stolen or if you believe that otherwise became available to an electronic funds transfer has been made without your permissionunauthorized person. Please contact us immediately by telephone or in writing. Telephoning us promptly is the best way of reducing keeping your possible losseslosses down. You could lose all the money in your deposit account Accounts (plus the amount of your maximum overdraft protection available to you. In the case of TotalCheck Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that accountcredit). If you tell us within two (2) business daysBusiness Days after you learn of the loss or theft of your login information, you can lose no more than $50 if someone used your Card or PIN login information without your permission. If you DO do NOT tell us within two (2) business days Business Days after you learn of the loss or theft of your Card login information, and we can prove that we could have stopped someone from using your Card or PIN login information without your permission if you had told uspermission, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Card, PIN, or other means, tell us AT ONCEat once. If you do not tell us within sixty (60) calendar days after the first statement on which the problem or error appeared was mailed or made available electronically (if you are using e-statements) to you, you may not get back any money you lost after the sixty (60) days if we can prove show that we could have stopped someone from taking the money if you had would have told us in time. If extenuating circumstances prevented a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. The liability limits described above You must: • Tell us your name and account number(s). • Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the limits dollar amount of the suspected error. If you tell us orally, you must send us your liability under federal complaint or other applicable law questions in writing within ten (10) business days. We will tell you the results of our investigation within 10 business days after we hear from you and regulationswill correct any error promptly. HoweverIf we need more time, when however, we may take up to 45 days to investigate your complaint or questions. If we decide to do this, we will re-credit your account within 10 business days for the amount you use a Card or Card number to make an electronic funds transfer think is in error so that you will have no liability for unauthorized transactions unless we invoke one use of the following exceptionsmoney during the time it takes us to complete our investigation. You must have reported the loss If you do not put your complaint or theft of question in writing and/or we do not receive it within ten (10) business days, we may not re-credit your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If we reasonably determinedecide that there was not an error, based on substantial evidence, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that you were grossly negligent we used in the handling of your Card or account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or account, you may be liable for those transactions that occurred prior to your notification as provided under federal or other applicable laws and regulationsour investigation. If you believe your Card and/or PIN have login information has been lost or stolen or that someone may or has transferred or may transfer money from fraudulently accessed your accountaccount without your permission, telephone us at (000contact our Member Service Department at:(000) 000-0000 or write us by mail at the address shown at the beginning of this disclosure. You should also telephone us or write us at the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permissionLandmark Credit Union, Attn: Digital Banking, P.O. Box 510870 New Berlin, WI 53151-0870.
Appears in 1 contract
Samples: Digital Banking User Agreement
Your Liability. Your deposit accounts are protected from unauthorized UMB ATM Network transactions because you are the only one who should know your Personal Identification Number (“PIN”). Your Card cannot be used at an ATM or POS terminal without your PIN. If your Card is lost or stolen, or your Card and PIN are used without your authorization, you should know the steps you must take to safeguard your deposit account and minimize your liability. You should not store your Card and PIN information together. You must tell us AT ONCE if you believe your Card and/or PIN has been lost or stolen or if you believe that an electronic funds transfer has been made without your permission. Telephoning us promptly is the best way of reducing your possible losses. You could lose all the money in your deposit account plus the amount of overdraft protection available to you. In the case of TotalCheck Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that account. If you tell us within two (2) business days, you can lose no more than $50 if someone used your Card or PIN 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 and we can prove that we could have stopped someone from using your Card or PIN 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, PIN, or other means, tell us AT ONCE. If you do not tell us within sixty (60) calendar days after the statement was mailed or made available to youreport unauthorized transactions in your Onepay account, you may not get back will be liable for any money you lost resulting damages. We will do what we can to recover the funds, but if we can prove are unable to recover them, you will assume responsibility for the losses. Your Onepay account is protected by a password. As long as you keep the password confidential, no one will be able to access the information in your Onepay account. If a member shares their password with others or allows others to discover and use their password with the account, the account holder is giving access to the information in the account and assumes all responsibility for transactions in this account. Please note that we could have stopped someone from taking all activities performed on your account while logged in will be assumed to be performed by the money account holder. The account holder also understands that delegating authority to operate his account also amounts to ownership of any and all activities performed on his account. This includes but not limited to; Integrations and configurations, Business registration and verification, Transactions, Account settings and Use of Onepay’s business solutions. Note that any User must be logged in to perform business verification. You are responsible for performing your due diligence on any Merchants with whom you plan on doing business. If you neglect to perform due diligence on a Merchant and do not receive an item you paid for or receive an item that does not appear as the Merchant described it, you will be liable for any resulting damages. However, if you had told us in time. If extenuating circumstances prevented you from telling usreport a transaction dispute, we will extend the time periodsdo our best to mediate a resolution that will benefit all parties involved. The liability limits described above are the limits of your liability under federal or other applicable law and regulations. However, when Under no circumstances will you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or account, you may be liable for those any lost profits, special, incidental or consequential damages arising out of or in connection to this Agreement. Under no circumstances shall your liability to us exceed the amount of the revenue earned from transactions that occurred carried out by you in the three months prior to the event leading to liability. You agree to indemnify and hold OnePay harmless from any claim or demand, including attorneys' fees, made or incurred by any third party due to or arising out of your notification as provided under federal or other applicable laws and regulations. If you believe your Card and/or PIN have been lost or stolen or that someone has transferred or may transfer money from your account, telephone us at (000) 000-0000 or write us at the address shown at the beginning breach of this disclosureAgreement. You should also telephone us agree that if either you or write us at OnePay begin litigation or arbitration, the address listed prevailing party is entitled to recover reasonable attorneys' fees and any other costs incurred in this disclosure if you believe a transfer has been made using addition to any other relief to which the information from your check without your permissionprevailing party may be entitled.
Appears in 1 contract
Samples: User Agreement
Your Liability. Your In general, when you transmit Instructions to us to make a Payment or Transfer through NetBanking Services with your User ID and Password and applicable Security Information, you authorize us to credit or charge your account for the amount described in the Instructions. You are liable for all transactions, whether or not authorized by you, initiated through NetBanking Services using your User ID, Password or Security Information, to the extent permitted by applicable law. This section applies to consumer deposit accounts are protected from only. For credit accounts, refer to your applicable credit agreement for terms and conditions regarding your liability for unauthorized UMB ATM Network transactions because you are or other errors or questions regarding those accounts. For business accounts, see the only one who should know your Personal Identification Number (“PIN”). Your Card cannot be used at an ATM or POS terminal without your PINUnauthorized Transactions – For Business Deposit Accounts Only” section below. If you have reason to believe that your Card is lost User ID, Password, Security Information, or any other items or information that may allow access to NetBanking Services have been lost, stolen, or your Card and PIN are used without your authorizationotherwise compromised, you should know the steps you must take to safeguard your deposit account and minimize your liability. You should not store your Card and PIN information together. You must tell us AT ONCE if you believe your Card and/or PIN has been lost or stolen or if you believe have reason to suspect that an electronic funds transfer unauthorized access to your account has been made without your permission. Telephoning occurred or will occur through NetBanking Services, you must call us promptly is the best way of reducing your possible losses. You could lose all the money in your deposit account plus the amount of overdraft protection available to you. In the case of TotalCheck Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Accountimmediately at 1-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that account877-448-6500. If you tell us within two (2) business daysdays after you learn your User ID, Password, Security Information, or any other information or items that may allow access to NetBanking Services have been lost, stolen, or otherwise compromised, or that an unauthorized online transfer or payment has been made from any of your accounts, you can lose no more than $50 50.00 if someone used your Card or PIN account without your permission. If you DO NOT do not notify us, you could lose all the money in each of your accounts, as well as all of the available funds in any overdraft protection account or any credit line included among your accounts. If you do not tell us within two (2) business days after you learn of the loss loss, theft, or theft of your Card compromise or unauthorized transfer or payment, and we can prove that we could have stopped someone from making an unauthorized transfer or payment using your Card or PIN without your permission account if you had told usreported the loss, theft, or compromise or unauthorized transfer or payment, you could lose as much as $500500.00. AlsoFurthermore, if your statement any deposit Account Statement shows online transfers or payments that you did do not make, including those made by Card, PIN, or other meansbelieve you made, tell us AT ONCE. If you do not tell us within sixty (60) calendar days after the statement was mailed or made available to you, you may not get back any money you lost if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances prevented you from telling us, we will extend the time periods. The liability limits described above are the limits of your liability under federal or other applicable law and regulations. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or account, you may be liable for those transactions that occurred prior to your notification as provided under federal or other applicable laws and regulations. If you believe your Card and/or PIN have been lost or stolen or that someone has transferred or may transfer money from your account, telephone us at (000) 000-0000 or write us at the address shown at the beginning of this disclosure. You should also telephone us or write us at the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permission.sixty
Appears in 1 contract
Samples: Netbanking Services Agreement
Your Liability. Your deposit accounts are protected from unauthorized UMB ATM Network transactions because you are the only one who should know your Personal Identification Number Automated Teller Machine (“PINATM”). Your Card cannot be used at an ATM or POS terminal without your PIN. If your Card is lost or stolen, or your Card and PIN are used without your authorization, you should know the steps you must take to safeguard your deposit account and minimize your liability. You should not store your Card and PIN information together. You must tell ) Transactions: Tell us AT ONCE if you believe your Card and/or PIN has been lost or stolen or if you believe that an electronic funds transfer has been made without your permissionstolen. Telephoning us promptly is the best way of reducing keeping your possible losseslosses down. You could lose all the money in your deposit account (plus the amount of your maximum overdraft protection available to you. In the case of TotalCheck Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that accountcredit). If you tell us within two (2) business days, you can lose no more than $50 50.00 if someone used your Card or PIN 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 PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500500.00. If you have authorized someone else to use the Card and/or PIN, you are responsible for all transactions which that person or persons initiates at any time, even if the amount or transactions exceed what you may have authorized. Also, if your statement shows transfers transactions that you did not make, including those made by Card, PIN, or other means, tell us AT ONCEat once. If you do not tell us within sixty (60) calendar 60 days after the statement was mailed or made available 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 extenuating circumstances prevented a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. The liability limits described above If you have authorized someone else to use the Card and/or PIN, you are responsible for all transactions that person or persons initiates at any time, even if the limits amount or transactions exceed what you may have authorized. MasterCard Transactions: If there is an unauthorized use of your MasterCard Debit Card then your liability under federal will be zero ($0.00) so long as you have exercised reasonable care in safeguarding your card from risk of loss or other applicable law theft and regulations. Howeverupon becoming aware, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptions. You must have promptly reported the loss or theft of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or account, you may be liable for those transactions that occurred prior to your notification as provided under federal or other applicable laws and regulationsCredit Union. If you believe cannot meet these requirements then your Card and/or PIN have been lost or stolen or that someone has transferred or liability with respect to unauthorized transactions may transfer money from be greater than the above zero ($0.00) liability limit, to the extent allowed under applicable law. In any case, to minimize your accountpotential liability you should notify us promptly of any unauthorized use, telephone us at but no later than sixty (00060) 000-0000 or write us at the address shown at the beginning of this disclosuredays after your statement was mailed to you. You should also telephone us or write us at the address listed in this disclosure if you believe a transfer has been made using the information from This provision limiting your check without your permissionliability does not apply to MasterCard commercial cards.
Appears in 1 contract
Samples: Atm / Mastercard Debit Card Disclosure and Agreement
Your Liability. Your deposit The liability of personal accountholders for unauthorized Transfers from their accounts is limited by the Electronic Fund Transfer Act, as described below. A personal account is an account established in the name of a natural person primarily for personal, family, or household purposes. Any other account is a non-personal account. transactions that you did not intend or want performed, or that are protected from unauthorized UMB ATM Network transactions because you initiated with fraudulent intent, are the only one who should know your Personal Identification Number (“PIN”). Your Card cannot be used at an ATM or POS terminal without your PINauthorized transactions. If you believe that your Card is lost Password has been compromised, lost, or stolen, or your Card and PIN are used without your authorization, you should know the steps you must take to safeguard your deposit account and minimize your liability. You should not store your Card and PIN information together. You must tell us AT ONCE if you believe your Card and/or PIN has been lost or stolen or if you believe that an electronic funds transfer unauthorized Transfer has been made from your Transfer Account, or that someone may transfer money from your Transfer Account without your permission, notify us AT ONCE, by calling us at (000) 000-0000, or writing to us at The Berkshire Bank, Operations Department, 0 Xxxxxxxx, Xxx Xxxx, Xxx Xxxx 00000. Telephoning us promptly is the best and fastest way of reducing keeping your possible losseslosses to a minimum. You If you do not do so, you could lose all the money in your deposit account plus Transfer Account, as well as all of the amount of available funds in any overdraft protection available to you. In the case of TotalCheck Overdraft Protection, the maximum amount would be the account or any other credit line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that accountincluded among your accounts. If you believe that your Password has been lost or stolen or that an unauthorized Transfer has been made from your Transfer Account, and you tell us within two (2) business days2 Business Days after you discover the loss or theft, you can lose no more than $50 if someone used your Card or PIN makes a Transfer without your permissionauthorization. If you DO NOT do not tell us within two (2) business days 2 Business Days after you learn of discover the loss or theft of your Card Password or that an unauthorized Transfer has been made from your Transfer Account, and we can prove that we could have stopped someone from using your Card or PIN making a Transfer without your permission authorization if you had told us, you could lose as much as $500. AlsoFurthermore, if your any deposit account statement shows transfers Transfers that you did not make, including those made by Card, PIN, or other means, tell us AT ONCE. If you do not tell us within sixty (60) calendar 60 days after the a statement showing such a Transfer was mailed or made available transmitted 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 extenuating circumstances prevented a good reason, such as a long trip or a hospital stay, keeps you from telling us, we will may extend the time periods. The liability limits described above We are not responsible for errors, delays, and other problems caused by or resulting from the action or inaction of financial institutions where you maintain your External Accounts. Although we will try to assist you in resolving any such problems, you understand that any such errors, delays, or other problems are the limits responsibility of your liability under federal the relevant financial institution. Any rights you may have against a financial institution for such errors, delays, or other problems are subject to the terms of the agreements you have with such financial institution, including any time limits during which complaints must be made. You agree that your Transfer Instructions constitute authorization for us to complete the Transfer. You represent and warrant to us that you have enough money in the applicable law account to make any Transfer that you request that we make on your behalf through our IBT Services. You understand and regulationsagree that we are not liable under any circumstances for any losses or damages if, through no fault of ours, you do not have enough money to make the Transfer, or the financial institutions where you maintain your External Accounts do not permit the Transfer. If we do not make a Transfer on time, cause an incorrect amount to be removed from an account, or cause funds from an account to be transferred to any account other than the account specified in the applicable Transfer Instruction, we shall be responsible to process the Transfer correctly by the next Business Day, return any improperly transferred funds, or direct any misdirected funds to the proper account, as appropriate. such failure but not for any special, incidental, or consequential damages, court costs, or attorney's fees, unless required by applicable law. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following there are some exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or account. If In no event will we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or account (such as by filing an excessively late claim), or acted fraudulently in the handling of your Card or account, you may will be liable for those transactions any indirect, incidental, special, or consequential damages if our failure was not intentional and resulted from a bona fide error, notwithstanding our procedures to avoid such error, or was reasonable and appropriate conduct. We will not be liable, for instance: (1) if, through no fault of ours, you do not have enough sufficient immediately available funds in your Transfer Account to make the Transfer; (2) if the Transfer would go over the credit limit on your overdraft line on the Transfer Account; (3) if your operating system, hardware, or software, your external service provider, or any part of BerkOnline® was not functioning properly at the time that occurred prior you attempted to initiate the Transfer and it was evident to you at the time that you started the Transfer; (4) if your notification as provided under federal computer malfunctions; (5) if circumstances beyond our control, such as, but not limited to, fire, flood, computer failure, power outages, or other applicable laws and regulations. If you believe interference from an outside force, prevent the Transfer from being properly made or completed, despite reasonable precautions that we have taken; (6) if your Card and/or PIN have Password or User ID has been reported lost or stolen or we have reason to believe that someone has transferred the transaction is unauthorized; (7) if we have reasonable cause not to honor for our or may transfer money from your account, telephone us at protection; (000) 000-0000 or write us at the address shown at the beginning of this disclosure. You should also telephone us or write us at the address listed in this disclosure 8) if you believe a transfer your BerkOnline® access has been made using the information from your check without your permission.suspended;
Appears in 1 contract
Samples: Interbank Transfer Addendum
Your Liability. Your deposit accounts are protected from unauthorized UMB ATM Network transactions because you are the only one who should know your Personal Identification Identification Number (“PIN”/CODE). Your Card cannot be used at an ATM or POS terminal without your PIN/CODE. If your Card is lost or stolen, or your Card and PIN PIN/CODE are used without your authorization, you should know the steps you must take to safeguard your deposit account and minimize your liability. You should not store your Card and PIN information together. You must tell Tell us AT ONCE if you believe your Card and/or PIN PIN/CODE has been lost or stolen or if you believe that an electronic funds transfer has been made without your permissionpermission using information from your check. Telephoning us promptly is the best way of reducing your possible losses. You could lose all the money in your deposit account plus the amount of overdraft protection available to you. (In the case of TotalCheck Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of Credit Card Overdraft Protection, the maximum amount would be the line of credit available to you. In the case of overdraft protection via Account-to- to-Account transfer from another deposit account that you maintain with us, the maximum amount would be the balance in that account. .) If you tell us within two (2) business days, you can lose no more than $50 if someone used your Card or PIN PIN/CODE without your permission. If you DO NOT tell us within two (2) business days (four (4) business days if a Kansas resident) after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card or PIN PIN/CODE without your permission if you had told us, you could lose as much as $500500 ($300 if Kansas resident, or $50 if you are a Colorado resident and your account is a personal (consumer) account, i.e. it is held primarily for personal, family or household purposes). If your account is a personal (consumer) account and you are a resident of Colorado and the unauthorized use occurs through no fault of your own, you will have no liability for the unauthorized use. Also, if your statement shows transfers that you did not make, including those made by Card, PIN, CODE or other means, tell us AT ONCE. If you do not tell us within sixty (60) calendar days after the statement was mailed or made available to you, you may not get back any money you lost after the sixty (60) calendar days if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances prevented you from telling us, we will extend the time periods. The liability limits described above are the limits of your liability under federal Federal or other applicable law and regulations. However, when you use a Card or Card number to make an electronic funds transfer you will have no liability for unauthorized transactions unless we invoke one of the following exceptions. You must have reported the loss or theft of your Card to us in a reasonably prompt manner, and you must not have been grossly negligent or acted fraudulently in handling your Card or Card account. If we reasonably determine, based on substantial evidence, that you were grossly negligent in the handling of your Card or Card account (such as by filing filing an excessively late claim), or acted fraudulently in the handling of your Card or Card account, you may be liable for those transactions that occurred prior to your notification notification as provided under federal Federal or other applicable laws and regulations. If you believe your Card and/or PIN PIN/CODE have been lost or stolen or that someone has transferred or may transfer money from your account, telephone us at (000) 000-0000 the numbers listed below or write us at the address shown at the beginning of this disclosure. • UMB ATM card at (000) 000-0000; • UMB Visa Debit Card/UMB VISA card at (000) 000-0000 and (000) 000-0000 or, if no answer, call (000) 000-0000. You should also telephone us or write us at the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permission.
Appears in 1 contract
Samples: Account Agreement
