In case of. ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS All EFT Services 1. Tell us your name and account number(s). 2. Describe the error or the 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. 3. Tell us the dollar amount of the suspected error. We will determine whether an error has occurred within 10 business days, (20 business days for new member accounts) after we hear from you and will correct any error promptly, by crediting your account within one business day. However, if we need more time, we may take up to 45 days (or 90 days for foreign-initiated transactions and all transfers resulting from point-of-sale debit card transactions and new member accounts) to investigate your complaint or question. If we decide to do this, we will re-credit your account within 10 business days (or 20 business days for new member accounts), so you can have access to the money during the time it takes us to investigate your complaint or question. 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 there is no error, we will send you a written explanation within three days after we complete our investigation and re-debit your account. You may ask for copies of the documents that we used in our investigation.
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Sources: Electronic Funds Transfer Disclosure Statement and Agreement, Electronic Funds Transfer Disclosure Statement and Agreement