Electronic Transfers

In Case of Errors or Questions About Your Electronic Transfers,

call us at 813-247-4414 or write us at:
3815 North Nebraska
Tampa, Florida 33603  

Notify us as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the First statement on which the error or problem appeared. 

1. Tell us your name and account number (if any).
2. Describe the error 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.
3. Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days*to do this, we will credit your account for the amount you think is in error so that you will have use of the money during the time it takes us to complete our investigation. If we need more time, however, we may take up to 45 calendar days**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 credit your account.

*If you give notice of an error within 30 days after you make the first deposit to your account, we will have 20 business days instead of 10 business days.

**If you give notice of an error within 30 days after you make (1) the first deposit to your account, or (2) involving a point of sale transaction or (3) a transaction initiated outside the U.S. its possessions and territories, we will have 90 days instead of 45 calendar days to investigate.

BILLING RIGHTS SUMMARY  

In Case of Errors or Questions About Your Bill If you think your bill is wrong, or if you need more information about a transaction on your bill write us (on a separate sheet)at (address)(the address shown on your bill)as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information:

• Your name and account number.
• The dollar amount of the suspected error.
• Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about.

You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question.