You are responsible for all transactions you authorize using your EFT services. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts.
TELL US AT ONCE if you believe your card or access code has been lost or stolen, if you believe someone has used your card or access code or otherwise accessed your accounts without your authority, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account. If a transaction was made with your card or card number without your permission and was either a Visa or Interlink transaction, you will no liability for the transaction, unless you were grossly negligent in the handling of your account or card or access code. For all other EFT transactions, including ATM transactions or if you were grossly negligent in the handling of your account or card or access code, your liability for an unauthorized transaction is determined as follows.
If you tell within two (2) business days you can lose no more than $50.00 if someone used your card or access code without your permission. If you do NOT tell us within two (2) business days after your learn the loss or theft of your card or access code and we can prove we could have stopped someone from using your card or access code without your permission if you had told us, you could lose a much as $500.00.
Also, if you statement shows transfers that you did not make including those made by card, access code or other means, 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 lost after the 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods.
If you believe your card or access code has been lost or stolen or that someone has transferred or may transfer money from your accounts without your permission, call:
(866) 546-8273 (lost/stolen)
WV National Guard Federal Credit Union
1512 Coonskin Drive
Charleston, WV 25311
FAX: (304) 342-3364
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 check without your permission.