• If you do NOT tell us within 2 Business Days after you learn of the loss of your Login Credentials, and we can prove that we could have stopped someone from using them without your authority if you had told us, you could lose as much as $.
• Check your statement: If your statement shows electronic transactions that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed or otherwise made available to you, you may not get back any money you lost 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 may extend the time periods.
• If we do not complete an electronic banking transaction from your consumer account on time or in the correct amount, we will be liable for your losses or damages unless an exception applies such as:
You may call our toll-free number, 1-800-480-2265, or write to The Huntington National Bank, GW4W61P
o Due to no fault of ours, you do not have enough money or credit in your account to make the transaction, or if the account has been closed or is not in good standing.
o Due to no fault of ours, a transaction to or from an account at another financial institution is not completed or is otherwise not successful.
o The transaction would go over the credit limit of any overdraft line or credit card account you may have with us.
o The equipment or system is temporarily out of service, closed for maintenance or is not working properly, and you knew about this when you started the transaction.
o The money in the account you are accessing is subject to legal process or other claim restricting the transaction.
o If you receive notice from a Payee that any payment you have made remains unpaid or has not been completed, and you fail to notify us promptly of that fact.
o If the Payee was a person or entity that you are not permitted to designate as a merchant (see the Payees section above).
O. Box 1558, Columbus, Ohio 43216
o If you do not instruct us soon enough for your payment to be received and credited by the time it is due.
o Circumstances beyond our control (such as fire or flood) prevent the transaction despite reasonable precautions we have taken. S. Postal Service, delay by the Payee in posting the payment once received, etc.
o If we do not process a payment or place a stop payment on it because the Payee is a match or a potential match (as we determine) to the SDN list or any other list compiled by the U.S.Treasury’s OFAC.
o Call us or write to us as soon as you can if you think your statement or receipt is wrong or if you need more information about a transaction.
o We must hear from you no later than 60 days after we sent (or made available) the FIRST statement on which the problem or error appeared. Please provide the following information:
• A description of the error or the payment or 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.
o NOTE: If you tell us orally, we may require that you send us your complaint or question in writing so that we receive it within 10 Business Days.