With our Online Guarantee, we will provide reimbursement for the amount of any covered fraudulent or unauthorized transaction that occurs on your account during an online banking session at bankofthewest.com

With our Online Guarantee you will:

Have $0 liability should any unauthorized funds transfer occur without your consent provided you notify us within 60 calendar days after the bank or account statement on which the transaction first appeared was made available to you.

Have $0 liability should any unauthorized bill payment transaction occur without your consent provided you notify us within 60 calendar days after the bank or account statement on which the transaction first appeared was made available to you.

This guarantee includes any overdraft fees incurred or interest lost as a result of unauthorized transactions. Our Online Guarantee is for consumer accounts enrolled in Online Banking. Eligibility is dependent on you meeting Your Responsibilities. Your account must also be open, in good standing and not overdrawn at the time the fraudulent or unauthorized transaction is posted to your account. The Online Guarantee does not apply to offline transactions, online transactions conducted outside of bankofthewest.com or to business or other non-personal accounts.

Your Responsibilities

To ensure that you are eligible for our Online Guarantee, be sure to follow these guidelines:

Protect your User Name and Password. Safeguard this information and keep it to yourself. We advise you to create a Password that would be hard for others to guess and do not write it down. If you knowingly share your User Name and Password with another person, we will consider any direct or indirect transaction initiated online by that person to be an authorized transaction.

Review your account or bank statements and records and report any unauthorized activity promptly. Under our guarantee if you are a victim of any unauthorized transaction(s) you must notify Bank of the West within 60 calendar days after the account or bank statement on which the transaction first appeared was sent or made available to you.

Never leave your computer unattended during your online banking session and be sure to log out when you are finished. To ensure that you clear any cached copies of your online banking session always close your browser after you log out.

Never respond to email requests asking for your personal information, such as Social Security number or User Name or passwords. We will never request that information from you.

Use the latest personal computer anti-spyware, anti-virus, and firewall protection software to prevent theft of information from your computer.

If the requirements set forth above are not met, your liability for unauthorized electronic transfers will revert to the liability conditions provided in the Online Banking Service Agreement and/or the Deposit Account Disclosure for Personal Accounts, as applicable. Under no circumstances will your liability be more than allowed by applicable law.

To learn more on how you can help protect yourself both online and off, visit our Security Center.

How We Protect You

Whether you bank online, or in the branch we recognize your right to privacy. Bank of the West is committed to keeping your information secure and confidential. Read our Privacy Policy to learn more about how we protect you. We also use SSL technology that secretly encodes information (encrypts data) that is being sent over the internet between your computer and Bank of the West. This helps to ensure that the information remains confidential. See the Security section to learn more.

Report Any Unauthorized Activity

To report incidents of fraud or unauthorized access to your accounts online, please call us at 1 (800) 488-2265, Option 3. We are available to serve you from 6:00 a.m. to Midnight (CT) Monday through Friday, and 7 a.m. to Midnight (CT) on weekends and most holidays.

Updated June 2012