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The PIN is wrong after three attempts (certain ATMs may limit you to fewer attempts).
You exceed the limits on dollar amounts and/or frequency of Transactions.
Your Card was reported lost or stolen.
Your Account has been closed.
Your Card has expired or was replaced.
The machine is not operating properly.
There are other legitimate business reasons.
8.4 Card Transaction Receipts. You will be given a receipt at the time you make Card Transactions except
for those you make by telephone, mail, or via the internet. Receipts may not be provided for Purchases
of $15 or less or for those performed outside the United States. Card Transactions will also be reflected on
your Account statement. See Section 8.6.3 for information on what to do if you believe a Transaction
record is wrong.
8.4.1 Merchants generally maintain receipts of Card Transactions (excluding PIN-based transactions) for
12 months; however, they are not required to provide receipts unless requested in connection
with fraud investigations or other legal purposes. If you call Vanguard Brokerage, we will attempt
to obtain copies of the receipts. This may involve a third-party charge.
8.5 Stop Payment Orders of Preauthorized ACH Payments (other than Billpay Transactions). You can
stop regular ACH payments out of your Account at any time. Simply call or write Vanguard Brokerage in
time for us to receive your request three Business Days or more before the payment is scheduled to be
made (our phone number and address are provided in Section 8.6.4). We may require you to put your
request in writing and get it to us within 14 days after your call. See Section 6.6 for information on
stop payment requests for Billpay Transactions.
8.5.1 Liability for Failure to Stop Payment of Preauthorized ACH Transfers. If you order Vanguard
Brokerage to stop such a payment three Business Days or more before the transfer is scheduled
and we do not do so, we will be liable for your losses or damages.
8.6 Problem Prevention and Resolution.
8.6.1 Taking a few simple steps can help prevent many problems. To protect your Account and limit
your liability, we recommend that you:
Do not provide anyone with your PIN or Billpay password.
Do not write your PIN on your Card.
Do not carry your PIN and Card together in your wallet.
Do not tell anyone your PIN or Billpay password—not even someone from BNY Mellon, the
Bank, Billpay Provider, or Vanguard Brokerage.
8.6.2 Loss or Theft of Card or Unauthorized Transactions. You must tell Vanguard Brokerage at once
if you believe your Card has been lost or stolen or that an unauthorized person may know your PIN or
Billpay Service website password. Calling immediately is the best way to keep your possible losses
down. You could lose all the funds in your Account (plus your maximum overdraft line of credit). If you
tell us within two Business Days after you learn of the loss or theft, you can lose no more than $50.
If you do not tell us within that time and Vanguard Brokerage can prove it could have stopped the
transaction if you had told us, you could lose as much as $500. With respect to ACH Transactions, you
will generally not be liable for Unauthorized Transactions unless you fail to notify us within the time
period described in the next paragraph.