Shop with confidence knowing that your consumer Bank of the West debit and credit cards are automatically protected by SecureSuite purchase protection and fraud monitoring tools to help protect you and the purchases you make.
Fraud Protection:
Zero Liability1,2
Enjoy peace of mind knowing you are protected from unauthorized debit or credit card transactions you report in a timely manner.
24/7 Fraud Monitoring
We help protect you from fraud by monitoring your debit and credit card for suspicious activity around the clock.
ID Theft Protection3
ID Theft Protection from Mastercard can provide help if you are ever the victim of fraud.
Mastercard Global Service:
Your Bank of the West consumer debit or credit card comes with Mastercard Global Service3 to help with reporting a lost or stolen card, obtaining an emergency card replacement and answering questions on your account.
Guide to Benefits Effective 10/1/2020
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Mastercard Benefits Removed as of 10/1/2020
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Legal information and Disclosures
1Debit Card: Your liability for unauthorized use of your debit card for debit transactions processed through the Mastercard system will be zero dollars ($0) provided the following conditions are met: (1) you can demonstrate that you exercised reasonable care in safeguarding the debit card from risk of loss or theft; and (2) upon becoming aware of a loss or theft, you promptly report the loss or theft to Bank of the West. Refer to the "Consumer Liability of Unauthorized Transfers" and "Mastercard Debit Card Zero Liability" sections of your Deposit Account Disclosure for Personal Accounts (PDF) for details. Conditions and restrictions apply.
2Credit Card: For more information about Zero Liability protection, refer to Mastercard.us/zero-liability.html. Also, see additional protections contained in your Bank of the West Credit Card Account Agreement regarding Your Liability for Unauthorized Use and Billing Rights under the Fair Credit Billing Act. Limitations apply. Insurance is provided by insurance carriers indicated in your Guide to Benefits. Certain restrictions apply — please see your Guide to Benefits at Mastercard.com/credit-gtb for details.
3Conditions and restrictions apply. Refer to your Guide to Benefits (PDF).