To the fullest extent permitted by applicable law, you agree to be responsible for all unauthorized or erroneous transactions initiated through Coulee Bank online banking if notification of unauthorized transaction is not submitted in a timely manner. You have the obligation to immediately notify the Bank if your password has been lost or stolen, or if someone has transferred funds from your account through Coulee Bank online without your permission (or is contemplating to do so). Telephoning is the best way of keeping your possible losses down. The following provisions of this Section apply only to your liability for unauthorized electronic fund transfers. An 'unauthorized electronic fund transfer' means an electronic fund transfer from a Deposit Account that is initiated by another person without your authority to initiate the electronic fund transfer(s) and from which you receive no benefit. The term does not include any Coulee Bank online electronic fund transfer that is initiated by a person to whom you furnished your password, unless you have notified us that electronic fund transfers by that person are no longer authorized and we have had reasonable opportunity to act on that notification. We may require that the notice be in writing. You could lose all the money in your Deposit Account, some or all of the money in any linked account, or up to your maximum overdraft line of credit if you have a check overdraft protection line of credit. If you tell us within two (2) business days after you learn of the loss, you can lose no more than $50 if someone used your password without your permission. If we are not notified within two (2) business days, and we can prove we could have prevented someone from using the Online Banking ID and password without your permission, you could lose as much as $500. If your statement shows electronic fund transfers that you did not make, tell us at once. If you do not tell us within sixty (60) calendar days after the statement was mailed 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 will extend the time periods.
In case of errors or questions about your electronic transfers, please contact us using one of the methods below as soon as you can; or 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 60 days after we sent the FIRST statement on which the problem or error appeared.
- Telephone us at (608) 784-9550 or (866) 784-9550
Write to Coulee Bank
Attn: Operations Department
1516 Losey Boulevard S, PO Box 845
La Crosse, WI 54602-0845
Email us via the secure email provided within Online Banking or at email@example.com
. Please include the following information:
Account Number and your Online Banking ID
Description of the error or what you are unsure about, plus an explanation of why you believe it is an error or why you need more information
Tell us the amount of the error
- For a Bill Payment error tell us:
Checking account number used to pay the bill
Date the payment was sent
Payee account number for the payment in question
We will tell you the results of our investigation within ten (10) business days after we hear from you (20 business days if the transaction involved a new account). If we need more time we may take up to 45 business days to investigate (90 business days if the transaction involved a new account). If we choose to take up to 45 business days, we will give you a provisional credit to your account within ten (10) business days (20 business days if the transaction involved a new account). Your account is considered a new account for the first 30 days following the date the account was opened. Your account will not be considered a new account, provided at the time the account was in question was opened, you already had an existing banking relationship with us. If we decide there was no error, we will furnish you with a written explanation within three (3) business days after the investigation is complete.