PAL Banking

If you believe your telephone banking access code/PIN has been stolen or used by an unauthorized person, you must report this to us as soon as possible. If you notify us within two business days and during that time someone uses your account without your permission, you can lose no more than $50. You will want to change your PIN immediately by directly calling PAL and setting a new PIN.

If you do not notify us within two business days after you learn of the theft of your access code/PIN and we can prove that we could have stopped someone from using your PIN without your permission if you had notified us, you could lose up to $500.

If your account statement shows transfers that you did not make, notify us at once. If you do not notify us within 60 days after the statement was mailed, you may not get the money you lost if we can prove that had we been notified, we could have stopped someone from using your PIN to take your money illegally.

Credit Union Liability

We are liable for any losses or damages you may incur if we do not properly complete a transfer to or from your account according to our agreement with you, with these exceptions:

We are not liable if, through no fault of the credit union, your account does not contain enough money to make a transfer; or if PAL was not working properly and you were aware of this when you began the transaction.

This disclosure is pursuant to the Federal Electronic Funds Transfer Regulation. The use of your PAL access code/PIN is subject to the stated regulations covering the rights and liabilities of the user and Fort Financial Credit Union.