Terms & conditions - The Co-operative Bank

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10.10 We will not be responsible if any person, bank (or cashmachine), retailer or other supplier refuses to accept yourcard or if you cannot use your card to make a payment.If this happens please telephone us on08457 213 213 (Business Banking accounts) or08457 654 654 (Corporate Banking accounts) and wewill explain the reasons for the refusal and what actionyou may be able to take to correct this.10.11 You cannot stop a card payment. You may get a refundfrom the retailer. We will credit your account with theamount of the refund from the date the refund was madeif we receive instructions or a refund voucher froma retailer.10.12 We may refuse to make or authorise a card paymentarising from an unplanned request for our overdraftservices in accordance with condition 13. If this happensplease telephone us on 08457 213 213 (BusinessBanking accounts) or 08457 654 654 (CorporateBanking accounts) and we will explain the reasons forthe refusal and what action you may be able to take tocorrect this.10.13 We may refuse to authorise a payment if we consider thatyour card or account has been or is likely to be misused,or for fraud prevention. For decision making and cardmisuse purposes we may refer an authorisation requestback to the retailer or supplier for further information.This may require you to provide further identification.This may also be done on a random basis for fraudprevention purposes. If this happens, please telephoneus on 08457 213 213 (Business Banking accounts) or08457 654 654 (Corporate Banking accounts) and wewill explain the reasons for the refusal and what actionyou may be able to take to correct this.10.14 We may stop or suspend your use of your card for thefollowing reasons:8• where you go over any formal overdraft limit• when you make excessive unplannedoverdraft requests• if you seriously or repeatedly break this agreement• where we have good reason to suspect there may befraudulent activity on your account.We will give you prior notice, by telephone or letter,unless we have a good reason for not doing so, e.g. weconsider your card or account has been or is likely to bemisused. We may deduct from your account any cardpayment (and any charges) made by you, but not paid byus until after return or suspension of your card.10.15 We will cancel any card at any time if:• you request in writing signed in accordance with yourmandate or• any such card is surrendered to the bank.Use of the Card10.16 The card must be signed by the cardholder immediatelyon receipt and may only be used:• by that cardholder• subject to the terms of this Agreement• subject to condition 13 (overdraft services)• to obtain the facilities and benefits from time to timemade available by us in respect of the use of the card• during the validity period (if any) embossed onthe card• subject to our right in our absolute discretion towithdraw your right to use the card in accordancewith these conditions or to refuse any request forauthorisation of any particular card transaction.In deciding whether to authorise any outstandingcard transaction, any authorisation already given fora prospective card transaction and any funds whichwe in our discretion may deem to have credited ordebited to the account will be taken into account• by the cardholder solely as your agent.10.17 You undertake to procure that the card shall not be usedin a manner prohibited by law including, in particular, theprovisions of Section 197 of the Companies Act 2006 orany subsequent statutory modification or re-enactment.Customer name and address10.18 On the production of the card, the name of the cardholdernominated by you to hold a card will be embossed on theface of the card. As the card name may be longer than thenumber of characters which can be embossed on the faceof the card, the bank reserves the right to abbreviate thename which is embossed on the card.10.19 You will immediately notify the bank in writing of anychange of name or address of you or of an individualcardholder. You undertake that the cardholder will sonotify the bank. In the event of failure to notify, the bankmay charge to your account the reasonable cost oftracing you and/or the cardholder.11. Security11.1 You and each cardholder must take all reasonablesecurity precautions to prevent misuse of your account,any cards and your customer security details (this caninclude PINs, account and card details, and other securitydetails which can include security codes, passwords,unique online user IDs, online security token or secure
personal information which allow you to access youraccount, including online and telephone banking).Failure to take reasonable security precautions mayresult in access to your account, or additional servicessuch as telephone or online banking, being blocked.Reasonable security precautions can include:• the cardholder signing the card as soon as itis received• keeping your card apart from your cheques and PIN• keeping your card and cheques safe and not allowinganyone else to use your card, PIN or othersecurity details• not disclosing your cards or security details exceptwhen using your card or making payments orregistering or resetting your security details to useonline services or telephone banking• destroying the PIN advice immediately• never disclosing or writing down your PIN or securitydetails in any way that can be understood bysomeone else, including another account signatoryor cardholder• not choosing a PIN or security details which may beeasy to guess• ensuring no one hears or sees you when you areusing your security details or PIN• keeping receipts and statements safe and destroyingthem safely, e.g. by shredding• complying with all reasonable instructions we issueregarding keeping your card, cheques, PIN, onlinesecurity token and security details safe• the cardholder telling us as soon as possible of achange of name, address or other contact details sothat correspondence or replacement cards do not getinto the wrong hands• exiting online banking when leaving a computerterminal unattended.11.2 If your cards, cheques, PIN, online security token orsecurity details are lost or stolen or you think someoneknows them or has used or tried to use them you musttell us immediately you are aware by telephoning uson 0845 600 6000.11.3 We will ask you to co-operate with us by providinginformation or other assistance in connection with theloss or misuse of your card, cheques, PIN, online securitytoken or security details. We may also give the policeinformation about you or your account which we considerrelevant to assist with any investigation of criminalactivity. In some instances we may ask you to contact thepolice in connection with suspicious or criminal activityon your account.11.4 If you find your card or cheques after having reportedthem lost or stolen or you think someone has used ortried to use them you must not use them. You mustdestroy them as appropriate, by cutting them into piecesand/or returning them to us at The Co-operative Bankp.l.c., Delf House, Skelmersdale WN8 6GH.12. Liability12.1 The maximum you will have to pay us if your card,cheques, PIN or security details are used without yourpermission is £50. If they are used with your permissionor as a result of your acting fraudulently or withoutreasonable security precautions (see condition 11.1), orif you have deliberately or with gross negligence failed toinform us without undue delay of the loss, theft, misuseor suspected misuse of your card or any of your personalsecurity details you may have to repay all losses.12.2 You will not be responsible for any losses for use of yourcard or your secure personal information after you haveinformed us, in the manner set out in condition 11.2, oftheir loss, theft, misuse or suspected misuse.12.3 We are responsible to you for the correct execution ofyour payment instructions unless we can show that therecipient bank did receive the funds. On your request wewill make immediate efforts to trace the funds and tellyou of the outcome. If we have made an error we willwithout undue delay restore your account to the state itwould have been had the error not taken place.Please note if you are not a micro-enterprise or charityplease see condition 23.6.12.4 If we fail to credit your account with funds intended to bepaid to you and which we receive with the correct uniqueidentifier we will immediately make the amount availableto you including, where applicable, crediting your accountwith the amount of those funds. Please note if you are nota micro-enterprise or charity please see condition 23.6.12.5 Provided you have notified us as required by condition9.1 and we cannot show that the payment transactionwas authorised, we will immediately refund the amount ofthe payment transaction to you and, if applicable, restorethe account to the state it would have been in had theunauthorised payment transaction not taken place.Please note if you are not a micro-enterprise or charityplease see condition 23.7.13. Overdraft Services13.1 Please contact us on 08457 213 213 (Business Bankingaccounts) or 08457 654 654 (Corporate Bankingaccounts) to arrange an overdraft. If you require anoverdraft or an increase to a formal overdraft, it would bein your interests to contact us to discuss your borrowingrequirements as it will be cheaper for you to have a9
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Terms & conditions - The Co-operative Bank

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