Tell us at once if you believe your Card or Personal Identification Number (PIN), or both, has been lost, stolen or used (or may be used) or that an Electronic Fund Transfer (EFT) has been made with your Card, PIN or information from your check without your permission. When we use the word Card, we mean either your ATM Card or your Debit Card. Telephoning is the best way of keeping your possible losses down. This section does not apply to commercial or business customers. If you are a commercial or business customer please refer to agreement.
If you are a Massachusetts customer, you can lose no more than $50 if you do not give us notice of a lost or stolen Card or a disclosed PIN and someone uses your Card or PIN without your permission.
You could lose all of the money in your account (including any amount available in a linked overdraft line of credit or overdraft savings account) if your Card or PIN, or both, or other information has been lost, stolen or used without your permission. If you tell us within 2 business days, you can lose no more than $50 if someone used your card or PIN without your permission. (If you believe your Card or PIN has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Card or PIN without your permission.)
If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers you did not make, tell us at once. If you do not tell us within 60 calendar days after the statement was mailed to you, you may not get back any money you lost after the 60 calendar days if we can prove 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 these time periods.
You will not be liable for any unauthorized transactions using your Debit Card, when used for POS transactions, if (i) you can demonstrate that you have exercised reasonable care in safeguarding your Card from the risk of loss or theft; (ii) you have not reported to us 2 or more incidents of unauthorized use within the prior 12-month period; and (iii) your account is in good standing. If any of these conditions is not met, your liability is the lesser of $50 or the amount of money, property, labor, or services obtained by the unauthorized use before notification to us. Unauthorized use means use of your Debit Card by a person, other than you, who does not have actual, implied or apparent authority for such use, and from which you receive no benefit. This additional limitation on liability does not apply to PIN-based transactions or transactions not processed by MasterCard.
If you believe that your Card or PIN, or both, has been lost or stolen or that someone has authorized or may authorize an EFT from your designated accounts without your permission, you can call us at 1-800-922-9999, or write to us at Citizens Bank, Electronic Banking Department, P.O. Box 42001, Providence, RI 02940-2001. You should also call this number or write to this address if you believe an EFT has been made using the information from your check without your permission.