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Responsibility for Unauthorized Online Transactions

If you, or any user of the online banking service designated by you, gives the online PIN or User ID to another person, you take responsibility for all transactions made by that person or by anyone else to whom that person gives the PIN or User ID, directly or indirectly, until you notify us to cancel your online service. If you or any designated user downloads account information from the online banking service to your computer, you take responsibility for protecting the downloaded information from access by unauthorized persons.

If your statement shows transactions that you did not make, notify us at once. If you do not notify us within 30 days after the date of the first statement where the transaction is listed, your statement will be considered correct and we will have no further responsibility to you with respect to online transactions shown on that statement.

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