If we need more time, however, we may take up to 45 days to investigate your complaint or question.  If we decide to do this, we will re-credit your account within 10 business days 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 re-credit your account.

If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation.  You may ask for copies of the documents that we used in our investigation.

Automated Teller Machines (ATMs) are so much a part of the landscape; it’s easy to take them for granted.  Don’t let familiarity breed complacency.

When you arrive at an ATM, look around.  If you see anything that makes you uncomfortable or anyone who looks suspicious, keep going.  Use another ATM or come back later.

Have your access card ready.  While you are fumbling with your wallet, you are an easy target for a thief.  Protect your Personal Identification Number (PIN).  Never write it on your card.  If you can’t memorize it, include it in a phone number or an address for a fictitious person.  For example, if your PIN is 5677, you could disguise it as your Aunt Mary’s phone number: 555-5677.  Beware of “shoulder surfing.”  Shield your PIN from onlookers by using your body.  Once you complete your transaction, check to be sure that you have your card and your receipt, then leave immediately.  Avoid counting or otherwise displaying large amounts of cash.