Zero Liability Fraud Protection
Provident accounts come with our special Zero Liability Fraud Protection Guarantee that reimburses you 100% for any unauthorized electronic transactions made on your account at retailers and ATMs or by online banking, telephone banking or mobile banking.007 You are automatically covered when you report the incident within 2 days of your Visa debit or credit card being lost or stolen, or 60 days for non-debit card transactions, and meet all of your responsibilities with us as follows:
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- Ending your online banking sessions by clicking the sign off button and closing your browser.
- Using a firewall and up to date antivirus and antispyware software.
- Selecting and maintaining control of your password, keeping it confidential and never sharing it with anyone. Provident is not responsible for unauthorized online banking account access or losses due to you disclosing your password either voluntary or involuntary by improper or careless handling or storing of your information.
- Contacting us immediately if you suspect your account(s) or password has been compromised and/or if there is unusual or suspicious account activity that you didn't authorize. You can report an incident by calling (800) 632-4600 Monday through Saturday during regular business hours or e-mailing us through your secure e-mail within online banking at any time.
- Not clicking on links in e-mails or text messages of possibly falsified origins and then entering passwords, credit card numbers, personal identity information (date of birth, social security number, member number, etc.), or other sensitive information. Provident Credit Union will never ask you for your account password or PIN.
- Reviewing and verifying your account statements, and reporting any errors or omissions within the time period as outlined in Provident's Billing Error Rights and Electronic Funds Error-Resolution Notice002.
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- Exercise reasonable care against loss or theft of your card and personal identification number (PIN).
- Your account is open, in good standing and not overdrawn.
- Reviewing and verifying your account statements, and reporting any errors or omissions within the time period as outlined in Provident's Billing Error Rights and Electronic Funds Error-Resolution Notice002.
- Contacting us immediately if you suspect your account(s) or PIN has been compromised and/or if there is unusual or suspicious account activity that you didn't authorize. You can report an incident by calling (800) 632-4600 Monday through Saturday during regular business hours or e-mailing us through your secure e-mail within online banking at any time. You may also report your card lost or stolen any time, 24/7, by calling (888) 918-7773 for debit cards, or (866) 820-4879 for credit cards.
Disclosures
- 001) You must notify us no later than 60 days after we sent you the first statement on which the unauthorized transaction(s) appear. If you do not notify us within 60 days and we could have prevented the unauthorized transactions had you told us in time, you will not get any funds lost after 60 days.
- 002) Billing Error Rights
If you think your statement is wrong, or if you need more information about a transaction on your statement, write to us at P.O. Box 8007, Redwood Shores, CA 94063-0907 as soon as possible. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: (1) your name and account number, (2) the dollar amount of the suspected error, (3) a description of the transaction you are unsure about and a clear explanation of why you believe there is an error or why you need more information.
We will investigate your complaint and will correct any error promptly. For electronic transactions, if we take more than 10 business days to do this, we will recredit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation.
You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question.
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Guarantee applies to purchases and electronic transactions made using a Provident Visa Debit or Credit card. Guarantee does not apply to corporate checks or drafts, personal checks or drafts, wires, or teller withdrawals. Zelle® or PayPal transactions are not covered by the zero liability guarantee.
- 119) Tell us within 2 days of your Visa debit card or code being lost or stolen and you will not be liable for any unauthorized transaction losses. If you do not notify us within 2 days and we could have prevented any unauthorized transactions had you told us in time, you could be liable for up to $500.