LIABILITY. You will tell us AT ONCE if you believe your Debit
MasterCard and/or PIN number has been lost or stolen, or if you believe that an
electronic fund transfer has been made without your permission using
information from your Debit Card. Telephoning us is the best way of keeping
your possible losses down. You could lose all the money in your account (plus
your maximum overdraft line of credit.) If you tell us within 2 business days
after you learn of the loss or theft of your Debit Card and/or PIN number, you
can lose no more than fifty dollars ($50.00) if someone used your Debit Card and/or
PIN number without your permission.
If you do NOT tell us within two business days after
you learn of the loss or theft of your Debit Card and/or PIN number and we can
prove we could have stopped someone from using your Debit Card and/or PIN
number without your permission if you had told us, you could lose as much as
five hundred dollars ($500.00).
Limitation of Liability for Unauthorized Point of
Sale Transactions. Tell us AT ONCE if you believe Debit Card has been lost or
stolen or of any unauthorized transactions. Your liability for unauthorized
transactions that take place on the system is zero dollars ($0.00). We may
require you to provide a written statement regarding claims of unauthorized
transactions. With respect to unauthorized transactions, these limits may be
exceeded to the extent allowed under applicable law (see CONSUMER’S LIABILITY
paragraph) only if we determine that you were grossly negligent or fraudulent
in the handling of your account.
Also, if your statement shows transfers that you did
not make, including those made Debit Card and/or PIN number or other means, you
will tell us at once. If you do not tell us within 60 days after the statement
was mailed to you, you may not get back any money that 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 a good reason (such as a long trip or a hospital
stay) kept you from telling us, we will extend the time periods.
When you use an Automated Teller Machine (ATM) not
owned by us, you may be charged a fee by the ATM operator or any network used
(and you may be charged a fee for a balance inquiry) even if you do not
complete a fund transfer.
IN EVENT OF UNAUTHORIZED TRANSFER. If you
believe your Debit Card and/or PIN number has been lost or stolen or that
someone has transferred or may transfer money from your account without your
permission, you will call (877) 282-0444 or write Card Services Department at
TOMPKINS FINANCIAL CORP, P.O. Box 460, Ithaca, NY 14851. You should also call
the number or write to the address listed above if you believe a transfer has
been made using the information from your Debit Card without your permission.
DAYS. For purposes of these disclosures, our business
days are Monday, Tuesday, Wednesday, Thursday, and Friday. Holidays are not
OF TRANSFERS. You may authorize certain direct deposits to your
checking or savings account. You may authorize certain bills and other payments
to be deducted from your checking or savings accounts. A merchant may convert
your check in payment for merchandise or services into an electronic funds
transfer from your account.
You may use your Debit Card and/or PIN number to:
- Make deposits to your checking and
- Pay bills directly from your
checking account in the amounts and on the days you request.
- Pay for purchases at places that
have agreed to accept the Debit Card and/or PIN number.
- Transfer funds between your
checking and savings accounts.
- Withdraw cash from your checking
and savings accounts.
- Verify account balances (which
might include funds on hold, not available for immediate withdrawal).
- Mobile Check Deposit.
- Make Payments to Consumer Loans
you have with Tompkins.
- Report your Debit Card lost, Activate
your Debit Card, or Change the PIN on the Debit Card.
Some of these services may not be
available at all terminals. Additional services may be available; ask for
ELECTRONIC CHECK CONVERSION. You may authorize a merchant or other payee to make a one-time
electronic payment from your checking account using information from your Debit
- Pay for purchases
- Pay bills
ON DOLLAR AMOUNTS AND FREQUENCY OF TRANSFERS:
- $500 for total daily ATM
- $500 for PIN based Debit
transactions for up to 10 transactions per day.
- $5,000 for Credit or Signature
based transactions for up to 10 transactions per day.
- $5,000 for total daily Cash
- Payments submitted through our
Internet Banking Bill Pay service are limited to a maximum of $9,999.99 per
individual payment, and a maximum aggregate total of $20,000 per business day.
- External Transfer submitted
through our Internet Banking service (optional transfers to account(s) at other
US financial institutions are limited to a maximum of $3,000 per business day.
- $2500 or 3 checks per day/$5000 or
10 checks per calendar month for Mobile Check Deposit.
Ask for our Schedule of Fees for a listing of
maintenance fees and service charges applicable to your Debit Card.
Your Debit Card may be deactivated after 12 months
CONFIDENTIALITY. We will disclose information to third parties about your account or the
transfers you make:
- Where it is necessary for completing transfers, or
- In order to verify the existence and condition of
your account for a third party such as a credit bureau or merchant, or
- In order to comply with government agency or court
- If you give us written permission
Transfers. You can get a receipt at the time you make any
transfer over $15.00 to or from your account using one of our automated teller
machines or point-of-sale terminals. You may not be given the option to receive
a receipt if your transaction is $15.00 or less depending on the merchant as
they are not required to provide a receipt for any transaction for $15.00 or
Credits. If you have arranged to have direct deposits made
to your account at least once every 60 days from the same person or company you
can call us at your Bank’s phone number below to find out whether the deposit
has been made.
Statements. You will get a monthly account statement unless
there are no electronic transfers in a particular month. In any case, you will
get the statement at least quarterly.
Payments. If you have told us in advance to make regular
payments out of your account, you can stop any of these payments by phoning or mailing
us in time for us to receive your request three business days or more before
the payment is scheduled to be made. If you call, we can also require you to
put your request in writing and get it to us within 14 days after your call. We
will charge you a fee for each stop payment order you give us. (See Schedule of
- TOMPKINS VIST Bank: please call (877) 282-0444 or
write TOMPKINS VIST Bank, Customer Records Department, P.O. Box 460, Ithaca, NY
of Varying Amounts. If these regular payments may
vary in amount, the person you are going to pay will tell you, 10 days before
each payment, when it will be made and how much it will be. (You may choose
instead to get this notice only when the payment would differ by more than a certain
amount from the previous payment, or when the amount would fall outside certain
limits that you set.)
for Failure to Stop Payment of Preauthorized Transfer. If you order us to stop one of these payments three business days or
more before the transfer is scheduled, and we do not do so, we will be liable
for your losses or damages.
INSTITUTION’S LIABILITY. If we do not complete a transfer
to or from your account on time, or in the correct amount according to your agreement
with us, we will be liable for your losses or damages. However, there are some
exceptions. We will not be liable, for instance:
- If, through no fault of ours, you do not have
enough money in your account to make the transfer.
- If the transfer would go over the credit limit on
your overdraft line.
- If the automated teller machine where you are
making the transfer does not have enough cash.
- If the terminal or system was not working properly
and you knew about the breakdown when you started the transfer.
- If circumstances beyond our control (such as fire
or flood) prevent the transfer, despite reasonable precautions that we have
- There may be other exceptions stated in your
agreement with us.
CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. You will telephone us at (607) 273-0444 or 1-877-282-0444 or
write us at: Tompkins Financial Corp, Card Services
Department, P.O. Box 460, Ithaca, NY 14851 as soon as you can if you think your
statement or receipt is wrong or if you need more information about a transfer
listed on the statement or receipt. We must hear from you no later than 60 days
after we sent the FIRST statement on which the problem or error appeared. You
- Tell us your name and account number (if any)
- Describe the error or the 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 dollar amount of the suspected error
If you tell us orally, we can require that you send
us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within
10 business days (5 business days if point-of-sale transaction, and 20 business
days if new account) after we hear from you and will correct any error
promptly. If we need more time, however, we can take up to 45 days (90 days if
point-of-sale transaction, or new account, or a foreign initiated transfer) to
investigate your complaint or question. If we decide to do this, we will credit
your account within 10 business days (5 business days if point-of-sale
transaction, and 20 business days if new account) for the amount you think is
in error, so that you will have the use of the funds during the time it takes
us to complete our investigation. If we request your complaint or question in
writing and we do not receive it within 10 business days, we may not credit
your account. For the purpose of this paragraph, an account is a new account
for a period of 30 days from the date of the first deposit to the account.
We will tell you the results within three business
days after completing our investigation. If we decide that there was no error,
we will send you a written explanation. You can ask for copies of the documents
that we used in our investigation.
PRECAUTIONS WHILE USING ATM’s.
- The activity at each of our automated teller
machines (ATMs) is recorded by a surveillance camera.
- Close the entrance door completely on entering and
leaving any enclosed ATM facility and do not permit any unknown persons to
enter it with you after regular banking hours.
- If you withdraw cash, place it securely on your
person before exiting the ATM facility.
- Use the nearest public telephone (or your cell
phone, if you have one) to call police if emergency assistance is needed.
- Complaints about security in our ATM facilities
should be directed to our Security Department at (607) 273-3111 or to the State
of Pennsylvania Banking Department at (717) 787-1854.