IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS

If you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt, we must hear from you no later than 60 days after we send the FIRST statement on which the error or problem appeared. Telephone us at the number listed on the front of your statement or write us at the address in the upper left corner of the statement.

  • Tell us your name and account number.
  • Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe there is an error or why you need more information.
  • Tell us the dollar amount of the suspected error.

We will tell you the results of our investigation within 10 business days (20 business days if the notice of error involves an electronic funds transfer to or from the account within 30 days after the first deposit to the account was made) and will correct any error promptly. If we need more time, we may take up to 45 days (90 days if the notice of error involves an electronic fund transfer that: (1) was not initiated within a state; (2) resulted from a point-of-sale debit card transaction or (3) occurred within 30 days after the first deposit to the account was made) to investigate your complaint, in that case we will re-credit your account for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.

For transfers initiated outside the United States or transfers resulting from point-of-sale debit card transactions the time period for resolving errors will be 10 business days and 90 days respectively. For new accounts the time period for resolving errors will be 20 business days and 90 days respectively.