This Disclosure is pursuant to the Federal Electronic Funds Transfer Regulation. The use of your SYBIL PIN is subject to the following regulations covering the rights and liabilities of the user and Central Soya Federal Credit Union.
MEMBER LIABILITY FOR UNAUTHORIZED PERSONS
If you give your PIN number to a joint owner on the account, you are responsible for all of their transactions.
If you believe your PIN has been stolen or used by an unauthorized person, you must report this to us at once. You may also want to immediately change your PIN number by directly calling SYBIL and making the change. Telephoning is the best way to keep losses at a minimum. If you do not notify us immediately, you could lose substantial sums of money. If you notify us within two business days, during the time someone uses your account without your permission, you can lose no more than $50.
If you do not notify us within two business days after learning of the theft of your PIN, and we can prove that we could have stopped someone from using your PIN if you had told us, you could lose as much as $500.
If your statement shows transfers that you did not make, notify us at once. If you do not notify us within 60 days of receipt you may be liable for any losses incurred.
REPORTING STOLEN PIN OR UNAUTHORIZED TRANSFERS
Call us immediately! Our business days are:
Monday through Friday
8:00 a.m. - 5:00 p.m.
If SYBIL privileges are abused, as determined by Central Soya Federal Credit Union, the credit union has the right to discontinue telephone access to that member.