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We do authorize and pay NSFs for the following types of transactions:
- Checks and other transactions made using your checking account number
- Automatic bill payments
We do not authorize and pay NSFs for the following types of transactions unless you ask us to (see below):
- ATM transactions
- Everyday debit card transactions
We pay NSFs at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an NSF, your transaction will be declined or returned.
Once a claim is reported, your insurance carrier will assign a claims adjuster to review the loss. The adjuster may:
Your adjuster will serve as your main point of contact throughout the process and can answer any questions about claim status, payments and timing.
No, but by working with our expert agents, we can help you get the coverage you need.
Great question! A flood insurance policy can cover a building, its contents or both. These coverages are indicated in your individual insurance policy declarations, and there may be exclusions and limitations within a flood insurance policy.
If you’re in a high-risk flood zone, your mortgage loan would most likely require flood insurance.
With Preferred Perks Checking1, your account features a wide variety of benefits, such as IDProtect® – Identity Theft Monitoring2 & Resolution Service. That includes:
Identity Theft Expense Reimbursement Coverage3
Receive up to $10,000 to help pay expenses, clear your name and restore your identity, if you become the victim of identity fraud.
Comprehensive Identity Theft Resolution Services
In case of identity theft, a dedicated fraud resolution specialist will help you every step of the way.
Identity Monitoring
Rest easy with monitoring of more than 1,000 databases.*
Credit File Monitoring
Get daily credit file monitoring and automated alerts of key changes to your credit report.*
Credit Report and Score4
Gain access to credit report and credit scores.
Credit Score Simulator4
See how different actions, such as increasing card limits, or paying off a loan, will impact your VantageScore.*
Credit Score Tracker4,5
Receive valuable insight into your credit score.
Dark Web Monitoring
Monitor your personal information and receive alerts if security measures detect exposure of your information on the dark web.*
CyberRecoverTM
Get 24/7 access to personal cyber advocates who can help defend against extortion, online fraud, ransomware, gaming security risks and more. These experts provide immediate support and guidance, helping you navigate and mitigate the impact of cyber incidents.
High-Risk Transaction Monitoring
Receive alerts to warn you if someone is using your identity to conduct a high-risk transaction at hundreds of participating banks, brokerages, insurance companies, retailers, payment services and more. Alerts may include new accounts, password resets, name and address changes, plus fund transfers. Get notified by email and optional SMS text.*
1 Available to individuals ages 18 or older upon approval of account opening. Access to features may be subject to additional terms and conditions and is subject to change.
2 Benefits are available to personal checking account owner(s) and joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/ or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
3 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document. Insurance products are not insured by the FDIC or any federal government agency, not a deposit of or guaranteed by the bank or any bank affiliate.
4 Credit Score is a VantageScore 3.0 based on single bureau credit data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Once credit file monitoring has been activated, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.
5 Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.
* Registration/activation required.
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