Member Services Agreement - NASA Federal Credit Union

will extend the time periods to a reasonable limit. Notice oflost Cards or PINs or unauthorized Transactions is consideredgiven to us either in person, by telephone, or in writing. If younotify us in writing, notice is considered given at the time youplace the notice in the mail or when you deliver the notice fortransmission by any other means.This paragraph applies to both Consumer Accounts and BusinessAccounts. You will not be liable for any unauthorized Visa®Purchases unless we determine that you were grossly negligent orfraudulent in the handling of your account or Visa® Check Card.c. Errors or Questions About Your Electronic Transactions.Contact us at the telephone number or address in theAgreement under “Notice” as soon as possible, if you think yourstatement or receipt is wrong or if you need more informationabout a transfer listed on the statement or receipt.(i)(ii)(iii)Tell us your name and account number (if any).Describe the error or the Transaction you are unsure about,and explain as clearly as possible why you believe it is anerror or why you need more information.Tell us the dollar amount of the suspected error.This paragraph applies only to Consumer Accounts. We musthear from you no later than 60 days after we sent the firststatement on which the problem or error appeared. If you tellus orally, we may require that you send us your complaint orquestion in writing within 10 Business Days. We will determinewhether an error occurred within 10 Business Days after we hearfrom you and will correct any error promptly. If we need moretime, however, we may take up to 45 days to investigate yourcomplaint or question. If we decide to do this, we will credityour account within 10 Business Days for the amount you thinkis in error, so that you will have the use of the money during thetime it takes us to complete our investigation. If we ask you toput your complaint or question in writing and we do not receiveit within 10 Business Days, we may not credit your account. Forerrors involving new accounts, point-of-sale, or foreign-initiatedtransactions, we may take up to 90 days to investigate yourcomplaint or question. For new accounts, we may take up to 20Business Days to credit your account for the amount you think isin error. We will tell you the results within 3 Business Days aftercompleting our investigation. If we decide that there was noerror, we will send you a written explanation. You may ask us forcopies of the documents that we used in our investigation.31