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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

Last updated 11/2/2018

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
  13. External Account Transfer and Pop Money Agreement
  14. 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. 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 within the online banking section of the website 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, and before our stop-payment cutoff time, if any. Requests made after 5:00pm on business days and on non-business days will not be received by us until 9:00am on the next business day. 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.

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.

The following Alerts terms and conditions ("Alerts Terms of Use") only apply to the Alerts feature (as defined below). If Alerts are not available to you, then this Alerts Terms of Use does not apply. To the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Alerts, then the terms in this Alerts Terms of Use shall apply.

 

Alerts. Your enrollment in Westfield Bank Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Westfield Bank account(s). Alerts are provided within the following categories:  

 

  • Mandatory Alerts provide you with important account notifications, such as information about changes to your Online Banking password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts.

  • Account Alerts provide you with notification of important account activities or when certain changes are made to your Service accounts. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service accounts.

  • Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the More menu within Westfield Bank Mobile Banking.

 

Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. Westfield Bank reserves the right to terminate its Alerts service at any time without prior notice to you.

 

Methods of Delivery. We may provide Alerts through one or more channels (“EndPoints”): (a) a mobile device, by text message; (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Westfield Bank Online Banking message in-box, by an e-mail message. You agree to receive Alerts through these EndPoints, and it is your responsibility to determine that each of the service providers for the EndPoints described in (a) through (c) above supports the email, push notification, and text message Alerts provided through the Alerts service. Please be advised that text or data charges or rates may be imposed by your EndPoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you Alerts. If your email address or your mobile device’s number changes, you are responsible for informing us of that change. Your Alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number. 

 

Alerts via Text Message. To stop Alerts via text message, text "STOP" to 61539 at any time. Alerts sent to your primary email address will be unaffected by this action. To restore Alerts on your mobile phone, just visit the Alerts tab in Westfield Bank Online Banking and click the box next to your mobile number for the Alerts you’d like to receive again. For help with SMS text alerts, text “HELP” to 61539. In case of questions please contact customer service at 1-800-995-5734. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS. 

 

Limitations. Westfield Bank provides Alerts as a convenience to you for information purposes only. An Alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide Alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any Alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside Westfield Bank’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Westfield Bank, its directors, officers, employees, agents and service providers liable for losses or damages, including attorneys’ fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose. 

NEITHER WESTFIELD BANK, ITS SUPPLIERS, NOR ANY CARRIER WILL BE LIABLE TO YOU OR ANY USER FOR ANY MESSAGES DELETED OR NOT DELIVERED, REGARDLESS OF THE REASON FOR DELETION OR NONDELIVERY INCLUDING, WITHOUT LIMITATION, MESSAGE PROCESSING OR TRANSMISSION ERRORS. NEITHER WESTFIELD BANK, ITS SUPPLIERS, NOR ANY CARRIER MAKES REPRESENTATIONS OR WARRANTIES REGARDING THE QUALITY, RELIABILITY, TIMELINESS OR THE SECURITY OF THE SERVICES PROVIDED HEREUNDER, OR THAT SUCH SERVICES  WILL BE ERROR-FREE, UNINTERRUPTED OR FREE FROM UNAUTHORIZED ACCESS OR NOT INFRINGE THIRD PARTY RIGHTS TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE  LAW. THE SERVICES PROVIDED HEREUNDER ARE PROVIDED “AS IS”, “WITH ALL FAULTS” AND WITHOUT WARRANTY OF ANY KIND AND  WESTFIELD BANK EXPRESSLY DISCLAIMS ALL WARRANTIES WITH RESPECT TO THE SERVICES PROVIDED HEREUNDER INCLUDING WARRANTIES OF SECURITY, QUALITY, RELIABILITY, MERCHANTABILITY, SATISFACTORY QUALITY AND FITNESS FOR A PARTICULAR PURPOSE. 

 

 

Alert Information. As Alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that Alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your Alerts will be able to view the contents of these messages.

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 for six consecutive months 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

Please refer to the separate Bill Payment Service agreement

13. External Account Transfer and Pop Money Agreement

Please refer to the separate Account Transfer and Pop Money agreement.

14. 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.

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
    • WB Basic Checking customers may withdraw no more than $250.00 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
  • WB Basic Checking customers may not exceed $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
  • 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 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.

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 disclosure 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.

FINANCIAL INSTITUTION'S LIABILITY

Liability for failure to make transfers. 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 breakdown when you started the transfer.

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

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

CONFIDENTIALITY

We will disclose information to third parties about your account or the transfers you make:

(1) where it is necessary for completing transfers; or

(2) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or

(3) in order to comply with government agency or court orders; or

(4) as explained in the separate Privacy Disclosure.

UNAUTHORIZED TRANSFERS

(a) Consumer liability.

  • Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen, 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 up to $50 if someone used your card and/or code without your permission.

Also, if your statement shows transfers that you did not make, including those made by card, 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 the money you lost (up to $50) after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time period.

  • Additional Limit on Liability for Debit Card. Unless you have been 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 believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed in this disclosure. You should also call the number or write to the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permission.

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 disclosure, 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
Excluding Federal Holidays
Location and Hours available at www.westfieldbank.com
Phone: 413-568-1911 800-995-5734

MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST