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Westfield Bank

Access Agreement

Please read the Access Agreement below.
When finished, click on the 'Agree' button at the bottom to sign up for Westfield Bank.

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Corporate Office
WESTFIELD BANK
141 ELM STREET
WESTFIELD, MASSACHUSETTS 01085-2976

Business Days: Monday through Friday
except Federal Holidays
Location and Hours available at www.westfieldbank.com
Phone: 413-568-1911 800-995-5734

Westfield Bank Personal Online Banking Terms and Conditions Agreement

This Agreement describes your rights and obligations as a user of the Online Banking Service. It also describes the rights and obligations of Westfield Bank. Please read this agreement carefully. As an authorized account holder you must abide by the terms and conditions of this agreement, and those provided to you at account opening.

As used in this document the words "Bank," "we," "our," and "us" mean Westfield Bank and the words "you" and "your" mean the account holder(s).

Table of Contents

  1. Access to Service
  2. Changes to Your Information
  3. Statements
  4. Use of Your Password
  5. Fees
  6. Stop Payments
  7. Electronic Mail
  8. Online Banking Alerts
  9. Inactivity or Termination
  10. Changes to this Agreement
  11. Mobile Banking
  12. Bill Payment & Pop Money Agreement           
  13. Electronic Fund Transfers Your Rights and Responsibilities

1. Access to Service

The Bank will provide instructions on how to use the Online Banking and Bill Payment Service. You will gain access to your online accounts through the use of your User ID and Password, and an initial Access Code. You may access your Online Banking 24 hours a day 7 days a week. However, availability of the services may be interrupted for brief periods of time for purposes of maintenance, updating and revising the software.

2. Changes to Your Information

You agree promptly to update all your account information including, but not limited to, name, physical mailing address, email address and funding account information. Changes must be submitted to our customer service department. We are not responsible for any mail we forward to your old mailing address or email address prior to receiving the updated information from you. All changes are effective immediately for scheduled and future payments paid from the updated funding account information. The service is not responsible for any payment processing errors or fees if you do not update your account information or if you do not provide accurate funding account or contact information.

3. Statements

Unless you sign up for and agree to the terms of Westfield Bank's eStatements, you will continue to receive paper account statements either monthly or quarterly, depending on the type of account that you maintain.

4. Use of Your Password

You are responsible for keeping your Password and Online Account information confidential. In order to protect yourself against fraud, you should adhere to the following guidelines:

  • Do not give out your account information, Password or User ID.
  • Do not leave your computer unattended while you are in the Bank's online banking site.
  • Never leave your account information within range of others.
  • Do not send privileged account information (account number, Password, etc.) in any public or general email system.

If you believe your Password has been lost or stolen, or if you suspect any fraudulent activity on your account, call the Bank during our hours of operations. If you believe your Password has been lost or stolen, please use the password change feature with in the online banking section of the web site immediately to change your Password.

5. Fees

Westfield Bank offers the benefits and convenience of the Online Banking Service and Bill Payment Service at no cost to you. Please see the separate fee schedule for information on other charges that may affect your account. By signing this Agreement you agree that such fees may be assessed against your account.

6. Stop Payments

Westfield Bank allows you to place a CHECK stop payment through Online Banking. Once you are logged into your secure Online Banking you can choose to place a check stop payment request. We will process your request to stop payment on the check(s), unless we have already paid, certified, or accepted it. Understand that it is necessary to provide the correct and complete information related to the check(s). Failure to do so may result in the payment of the check(s).

Please note the importance of abiding by the rules and regulations (as established by the Uniform Commercial Code or other law) governing Stop-Payment Orders. To be effective, we must receive the Stop-Payment Order in time to give us a reasonable opportunity to act on it. The Stop Payment Order is effective for 6 months after the date received and will automatically expire after that period unless renewed in writing.

Westfield Bank will charge a stop payment fee based on the fee schedule you have already received.

Westfield Bank will also process your request to release a Stop-Payment on check(s) if you are the original requestor of the Stop-Payment Order. To release the Stop-Payment the information must be sufficient and complete in order for us to identify and verify the original Stop-Payment. We must have a reasonable opportunity to release the original Stop-Payment Order.

7. Electronic Mail (e-mail)

If you send Westfield Bank an electronic mail message through the Service, Westfield Bank will be deemed to have received it on the following Business Day. Electronic mail will be answered within a reasonable timeframe.

You should not rely on electronic mail if you need to communicate with Westfield Bank immediately (e.g., if you need to report an unauthorized transaction from one of your accounts, or if you need to stop a payment that is scheduled to occur).

For your protection, we ask that you do not send any personal information through e-mail. (e.g. social security numbers, account numbers, balance information, etc.). This information cannot be secured through e-mail transmissions. Westfield Bank will not send any personal information via unsecure e mail.

8. Online Banking Alerts

Westfield Bank provides different types of online banking alerts, email alerts, mobile and text alerts and Account alerts, which must be set up and activated by you. Each account alert has different options available, and you will be asked to select from among these options upon activation of an account alert.

Automatic alerts are sent to your most recent email address provided by you to us only and provide you with important account notifications such as information about a money transfer or availability of eStatement.

9. Inactivity or Termination

You are responsible for complying with all the terms of this Agreement and with the terms of the Agreement governing the deposit accounts which you access using electronic banking services. We can terminate your Online Banking privileges (including the Bill Payment Service) under this Agreement without notice to you for any reason, including; if you do not pay any fee required by this Agreement when due, if you do not comply with the Agreement governing your deposit or loan accounts, or your accounts are not maintained in good standing.

Westfield Bank may delete your online registration if your account becomes inactive. If you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive 180 day period your registration will be considered inactive and you may have to re-register for the online service.

Westfield Bank may delete your Bill Payment Account if you do not use your Bill Payment account for six consecutive months.

To cancel the Online Banking and/or Bill Payment Service, you must notify Westfield Bank. Your notification should include your name, address and the effective date to stop the service(s). When Bill Payment is terminated, any pre-scheduled bill payments made through Online Banking will also be terminated.

10. Changes to this Agreement

The Bank may modify the terms and conditions of the Online Banking and Bill Payment Services from time to time. The revised terms and conditions shall be effective at the earliest date allowed by applicable law after notification to you.

11. Mobile Banking

You have the option of accessing Westfield Bank's Online Banking through a web browser on your mobile device. When using a mobile device you may:

  • Review account balances, account details and transaction history
  • Schedule one-time bill payments
  • Make one-time funds transfers between Westfield Bank Accounts

Receipt of account information through Mobile Banking may be delayed or impacted by factor(s) pertaining to your phone carrier or other parties outside of our control.

You are also solely responsible for any telephone charges incurred in connecting to your Internet Service Provider (ISP) that gives you access to the Internet.

We will not be liable for losses or damages caused in whole or in part by your actions or omissions that result in any disclosure of account information to third parties. You agree that Mobile Banking does not create any new or different liability for us beyond what is already applicable under your existing account agreements.

12. Bill Payment Service and Pop Money Agreement

Click here for agreement https://cw411.checkfreeweb.com/imm/LDD/ViewTermsAndConditions/18942?showPopup=true

13. Electronic Fund Transfers Your Rights and Responsibilities

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to:

  • Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking, savings, or money market account(s).
  • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking, statement savings, or statement money market account(s).
  • 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 check to pay for purchases or pay bills.
  • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.

Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts.

Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at (413) 564-0959 using your personal identification number, a touch tone phone, and your account numbers, to:

  • transfer funds from checking to checking
  • transfer funds from checking to savings/money market
  • transfer funds from statement savings/money market to checking
  • transfer funds from statement savings/money market to savings/money market
  • make payments from checking to loan accounts with us, excluding payoff transactions
  • make payments from statement savings/money market to loan accounts with us, excluding payoff transactions
  • get information about:
    • the account balance of checking, savings, money market or certificate of deposit account(s)
    • the most recent debits and credits of checking, savings, or money market account(s)
    • the balance, interest and payment information of your mortgage or consumer loan account

Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone transfers.

Your Option to Limit Cash Withdrawals - In addition to dollar amount limitations for withdrawals using your ATM Card or Debit Card and/or code that we may establish, you have the option to limit the amount of cash that can be withdrawn by your ATM Card or Debit Card and/or code to $50.00 per day or some other amount acceptable to us.

ATM Transfers - types of transfers and dollar limitations - You may access your account(s) by ATM using your ATM card and personal identification number or debit card and personal identification number, to:

  • make deposits to checking account(s)
  • make deposits to statement savings/money market account(s)
  • get cash withdrawals from checking account(s)
    • you may withdraw no more than $500.00 per card per day, plus any applicable fees
    • WB Performance Checking customers may withdraw no more than $1,500.00 per card per day, plus any applicable fees
  • get cash withdrawals from statement savings/money market account(s)
    • you may withdraw no more than $500.00 per card per day, plus any applicable fees
    • Performance Money Market customers may withdraw no more than $1,500.00 per card per day, plus any applicable fees
  • transfer funds between checking and statement savings/money market account(s) (in any combination)
  • get information about:
    • the account balance of your checking account(s)
    • the account balance of your statement savings/money market account(s)

Some of these services may not be available at all terminals.

Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM transfers.

Types of Debit Card Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept.

Point-of-Sale Transactions - dollar limitations - Using your card:

  • you may not exceed $2,500.00 in transactions per day
  • WB Performance Checking and Performance Money Market customers may not exceed $3,500.00 per day

Please also see Limitations on frequency of transfers section regarding limitations that apply to debit card transactions.

Currency Conversion and International Transactions.

(a) For ATM and point-of-sale (merchant) transactions using Visa network. When you use your Debit Card for this type of transaction and it settles in a currency other than US Dollars, the charge will be converted into the US Dollar amount. The currency conversion rate used to determine the transaction amount in US Dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.

Visa USA charges us a .8% International Service Assessment on all international transactions if there is no currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. As a result, we will charge you a .8% international transaction fee on all international transactions if there is no currency conversion. If there is a currency conversion, we will charge you an international transaction fee of 1% of the transaction. An international transaction is a transaction where the country of the merchant is outside the USA


(b) For ATM transactions using Cirrus network. When you use your Debit Card for this type of transaction and it settles in a currency other than US Dollars, MasterCard/Cirrus will convert the charge into a US Dollar amount. The MasterCard/Cirrus currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by MasterCard/Cirrus. The exchange rate MasterCard/Cirrus uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account.
MasterCard/Cirrus charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, MasterCard/Cirrus charges us an Issuer Cross-Border Assessment of 90 basis points (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. As a result, we will charge you a currency conversion fee of .2% of the transaction if there is a currency conversion and a cross-border transaction fee of .9% of the transaction. The cross-border transaction fee is charged on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the MasterCard Debit Switch in which the country of the merchant is different than the country of the cardholder.

Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.

Non-Visa Debit Transaction Processing. We have enabled non-Visa debit transaction processing. This means you may use your Visa-branded debit card on a PIN-Debit Network* (a non-Visa network) without using a PIN.

The non-Visa debit network(s) for which such transactions are enabled are: NYCE Network.

Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa-branded debit card include signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal.

Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the biller (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through use of a PIN.

The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. For example, the additional limits on liability (sometimes referred to as Visa's zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network.

*Visa Rules generally define PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program.

Computer Transfers/Mobile Access - types of transfers - You may access your account(s) by computer through the internet or through mobile banking by logging onto our website at www.westfieldbank.com through text banking or through the WB APP and using your user ID and password, to:

  • transfer funds from checking to checking
  • transfer funds from checking to savings/money market
  • transfer funds from statement savings/money market to checking
  • transfer funds from statement savings/money market to savings/money market
  • through bill paying service, you may make payments from checking to third parties
    • you may transfer no more than $9,999.99 per day
  • make payments from checking to loan account(s) with us, excluding payoff transactions
  • make payments from statement savings/money market to loan account(s) with us, excluding payoff transactions
  • get information about:
    • the account balance of checking, savings, money market or certificate of deposit account(s)
    • the most recent debits and credits of checking, savings, or money market account(s)
    • your mortgage or consumer loan account

Please also see Limitations on frequency of transfers section regarding limitations that apply to computer and Mobile Access transfers.

Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply:

  • Transfers from a statement savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six (6) per month with no transfers by check, debit card or similar order to third parties.
  • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order to third parties are limited to six (6) per month.

Termination -

  • You may terminate the electronic fund transfer agreement by written notice to us.
  • We may terminate the electronic fund transfer agreement by written notice to you.

Minimum account balance -

  • We do not require you to maintain a minimum balance in any account as a condition of using an access device (card or code) to accomplish a transfer.

FEES

  • We do not charge for direct deposits to any type of account.
  • We do not charge for preauthorized payments from any type of account.

Except as indicated elsewhere, we do not charge for these electronic fund transfers.

ATM Operator/Network Fees. When you use an 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).

DOCUMENTATION

  • Terminal transfers. You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal. However, you may not get a receipt if the amount of the transfer is $15 or less.
  • Preauthorized 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 413-568-1911 to find out whether or not the deposit has been made.
  • Periodic statements.
    You will get a monthly account statement from us for your checking and savings accounts, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.

For passbook accounts, if the only possible electronic transfers to or from your account are preauthorized credits, we do not send periodic statements. You may bring your passbook to us and we will record any electronic deposits that were made since the last time you brought in your passbook.

PREAUTHORIZED PAYMENTS

  • Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:

Call or write us at the telephone number or address listed in this Agreement in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call.

Please refer to our separate fee schedule for the amount we will charge you for each stop payment order you give.

  • Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, ten (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.)
  • Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

ADDITIONAL INFORMATION REQUIRED BY MASSACHUSETTS LAW

(1) Any documentation provided to you which indicates that an electronic fund transfer was made to another person shall be admissible as evidence of the transfer and shall constitute prima-facie proof that the transfer was made.

(2) The initiation by you of certain electronic fund transfers from your account will, except as otherwise provided in the agreement, effectively eliminate your ability to stop payment of the transfer.

Unless otherwise provided in this agreement, you (the consumer) may not stop payment of electronic fund transfers, therefore you should not employ electronic access for purchases or services unless you are satisfied that you will not need to stop payment.

FINANCIAL INSTITUTION'S LIABILITY

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

(1) If, through no fault of ours, you do not have enough money in your account to make the transfer.

(2) If you have an overdraft line and the transfer would go over the credit limit.

(3) If the automated teller machine where you are making the transfer does not have enough cash.

(4) If the terminal or system was not working properly and you knew about the status or breakdown of the terminal or system when you started the transfer.

(5) If circumstances beyond our control (such as fire or flood or other natural disaster or force majeure) prevent the transfer, despite reasonable precautions that we have taken.

(6) If the funds are subject to legal process or other encumbrance restricting such transfer.

(7) There may be other exceptions stated in our agreement with you.

CONFIDENTIALITY

In order that your privacy may be protected, we will not disclose any information about you or your account to any person, organization, or agency except:

(1) for certain routine disclosures necessary for the completion of a transfer; or

(2) for verification of the existence and condition of your account for a credit bureau or merchant; or

(3) to persons authorized by law in the course of their official duties; or

(4) to our employees, auditors, service providers, attorneys or collection agents in the course of their duties; or

(5) pursuant to a court order, judgment, or lawful subpoena; or

(6) to a consumer reporting agency as defined in Chapter 93 of Massachusetts General Laws; or

(7) as explained in the separate Privacy Disclosure.

If an unauthorized disclosure has been made, we must inform you of the particulars of the disclosure within three (3) days after we have discovered that an unauthorized disclosure has occurred.

UNAUTHORIZED TRANSFERS

(a) Consumer liability.

  • Generally. Tell us AT ONCE if you think your card and/or code has been lost, stolen, used without your permission, 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, if any, of minimizing your possible losses. You can lose no more than $50 if you fail to give us notice of your lost or stolen card and/or code and your card and/or code is used without your permission.
  • Additional Limit on Liability for Debit Card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Debit Card. This additional limit on liability does not apply to ATM transactions outside of the U.S., to ATM transactions not sent over Visa or Plus networks, or to transactions using your Personal Identification Number which are not processed by VISA®.  Visa is a registered trademark of Visa International Service Association.

(b) Contact in event of unauthorized transfer. If you think your card and/or code has been lost, stolen or that someone has transferred or may transfer money from your account without your permission, for example, by using the information from your check, call or write us at the telephone number or address listed in this Agreement.

PROTECTED CONSUMER USE

Chapter 167B of the Massachusetts General Laws was enacted to provide a means for financial institutions, businesses, and consumers to conduct their business relations more conveniently. Transferring funds electronically will supplement the use of checks, credit, and cash and will not replace these present methods of doing business. As a consumer, you should be aware of your rights if you choose to utilize this system.

(1) Prohibition of compulsory use. No person may:
-require you to use a preauthorized electronic fund transfer as a condition of the extension of credit unless the credit is being extended in connection with an overdraft checking plan, or is being extended to maintain a specified balance in your account, or
-require you either to accept a transfer service or to establish an account which is accessed electronically as conditions of employment or receipt of governmental benefit, or
-require you to pay electronically for the purchase of goods or services.
If your account is to be credited by a preauthorized transfer you may choose the financial institution to which the transfer may be made, if the institution is technically capable of receiving such preauthorized transfer.

(2) Waiver of rights. No writing or agreement signed by you can waive the rights conferred to you by Chapter 167B of the Massachusetts General Laws unless you decide to waive these rights in settlement of a dispute or action.

(3) Refunds. If it is the policy of a store or retail business to give cash refunds in return for an item purchased by cash, then this policy must also cover refunds for items purchased by electronic fund transfer unless it is clearly disclosed at the time the transaction is consummated that no cash or credit refunds are given for payments made by electronic fund transfers.

(4) Suspension of obligations. If a person agrees to accept payment by means of an electronic fund transfer and the system malfunctions preventing such a transfer, then the consumer's obligation is suspended until the transfer can be completed, unless that person, in writing, demands payment by other means.

(5) Prohibited means of identification. Your Social Security number cannot be used as the primary identification number although it can be used as secondary aid to identify you.

(6) Criminal liability. Procuring or using a card, code or other means of electronic access to an account with the intent to defraud is a basis for criminal liability.

ERROR RESOLUTION NOTICE

In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this Agreement, 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 sixty (60) days after we sent the FIRST statement on which the problem or error appeared.

(1) Tell us your name and account number (if any).

(2) 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.

(3) Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.

We will determine whether an error occurred within ten business days (5 business days for Debit Card point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, 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 for Debit Card point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new 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. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

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 may ask for copies of the documents that we used in our investigation.

WESTFIELD BANK
141 ELM STREET
WESTFIELD, MASSACHUSETTS 01085-2976
Business Days: Monday through Friday
except Federal Holidays
Location and Hours available at www.westfieldbank.com
Phone: 413-568-1911 800-995-5734

MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST