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Electronic Fund Transfers Disclosure

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Under Visa’s Zero Liability policy, you will not be liable for any unauthorized purchases made through the Visa/Interlink network conducted at merchants, including those transacted on the Internet, if you contact us within sixty (60) days after the monthly account statement on which the transactions occurred was mailed to you. Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions.

Address and Telephone Number. If you believe your card and/or PIN has been stolen or lost, call 404-248 LION(5466) or 888-248 LION(5466) or write the Check Card Department at P.O. Box 105075, Atlanta, GA 30348. You should also call the number or write the address listed above if you believe a transfer has been made using the information from your check without your permission.

Business Days. For purposes of these disclosures, our business days are Monday through Friday. Holidays are not included.

PIN Security. It is best to memorize your PIN. If you do write it down, keep it separate from your card. DO NOT SHARE YOUR PIN WITH ANYONE.

Card Replacement Fee. If the Bank is required to replace a lost or stolen ATM card or Check Card, we reserve the right to charge a replacement fee. See the current Schedule of Fees for the amount assessed for this service.

ADDITIONAL INFORMATION ABOUT USE OF YOUR FIDELITY BANK ATM CARD OR CHECK CARD AT POINT-OF-SALE TERMINALS

Each time your ATM card or Check Card is properly used at a point-of-sale (POS) terminal you authorize us to debit your account for the total amount indicated on any debit advice originated by the use of your ATM card or Check Card. We will handle such debit transactions the same as authorized checks drawn on your account and all applicable fees will apply.

No cash refunds will be made on purchases by use of your ATM card or Check Card.

We will not be responsible for any claim you may have against any business establishment with respect to property or service purchased by the use of your ATM card or Check Card. Any claim must be directed to the business establishment that accepted your ATM card or Check Card.

We will not be responsible for any claim you may have against any business establishment refusing to honor your ATM card or Check Card. Your Visa Check Card should be accepted at any POS terminals or merchants displaying the Visa logo. Please notify us of any merchant location that does not follow this standard practice. If you choose not to activate/use your ATM or Check Card, we reserve the right to terminate the card after 90 days. If you choose not to activate your ATM or Check Card, cut the card in half vertically and discard.

You may not stop payment with respect to any transaction originated by use of your ATM card or Check Card.
 

Illegal Transactions

Your ATM Card or Check Card may be used only for valid and lawful purposes. If you use or allow someone else to use the ATM Card or Check Card for any other purpose you will be responsible for such use and may be required to reimburse Fidelity Bank for all amounts or expenses Fidelity Bank pays as a result of such use.
 

Error Resolution

In case of errors or questions about your electronic transfers, call us at the telephone number listed below as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer or withdrawal listed on the statement or receipt. We must hear from you no later than 60 days after the FIRST statement on which the problem or error appeared. Telephoning does not preserve your rights.

A written complaint is required from you as soon as you become aware of the error.

  • Tell us your name and account number.
  • 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.
  • Tell us the dollar amount of the suspected error.

We will determine whether an error occurred within ten business days (5 business days for Visa debit transactions) after we hear from you and will correct any error promptly. If more time is needed we may take up to 45 days (90 days for new accounts, point-of-sale or international-initiated transfers) to investigate your complaint or question. If we decide to do this, we will issue provisional credit to your account within ten business days (5 business days for Visa debit transactions) for the amount you think is in error. For errors involving new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. You will have full access to the money during the time it takes us to compete our investigation.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. Request copies of additional documentation in writing to the address listed below.

This Electronic Fund Transfer Disclosure replaces any previous Electronic Fund Transfer Disclosure that you may have received from Fidelity Bank.

Check Card Department
Fidelity Bank
P.O Box 105075
Atlanta. GA 30348

Customer Service Center
404 248 LION(5466)
888 248 LION(5466)
Monday - Friday: 8:00a.m. - 7:00p.m.
Saturday: 8:00a.m. - 5:00p.m.
Sunday: 10:00a.m. - 7:00p.m.

After Hours
404 248 LION(5466)
888 248 LION(5466)