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Error
Resolution
In case of errors or questions about
your electronic transfers, telephone us
at 815-434-0044 or write us at First
National Bank of Ottawa, 701 LaSalle
Street, Ottawa, IL 61350 as soon as you
can, 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 you
received the first statement on which
the error or problem appeared:
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Tell us your name and account number
(if any).
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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.
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Tell us the dollar amount of the
suspected error.
We will investigate your complaint and
will correct any error promptly, if we
take more than 10 business days (5
business days for VISA@ Check Card
point-of-sale transactions and 20
business days if the transfer involved a
new account) to do this, we will 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.
Unauthorized Transfers
Tell us AT ONCE if you believe your card
and/or code has been lost or stolen.
Telephoning is the best way of keeping
your possible losses down. You could
lose all of the money in your account.
If you tell us within two business days,
you can lose no more than $50 if someone
used your card without your permission.
If you do not tell us within two
business days after you learn of the
loss or theft of your card and/or code,
and we can prove we could have stopped
someone from using your card and/or code
without your permission if you had told
us, you can lose as much as $500.
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