Electronic Fund Transfer Initial Disclosure

CONSUMER’S LIABILITY. You will tell us AT ONCE if you believe your card or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning us is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your card or code, you can lose no more than $50 if someone used your card or code without your permission.

If you do NOT tell us within two business days after you learn of the loss or theft of your card or code and we can prove we could have stopped someone from using your card or code without your permission if you had told us, you could lose as much as $500.00.

Limitation of Liability for Unauthorized VISA Point of Sale Transactions. Tell us AT ONCE if you believe your VISA Check Card has been lost or stolen or of any unauthorized transactions. Your liability for unauthorized VISA Check Card transactions that take place on the VISA system is zero dollars ($0.00). We may require you to provide a written statement regarding claims of unauthorized VISA Check Card transactions. With respect to unauthorized transactions, these limits may be exceeded to the extent allowed under applicable law (see CONSUMER'S LIABILITY paragraph) only if we determine that you were grossly negligent or fraudulent in the handling of your account or VISA Check Card.

Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money that you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

CONTACT IN EVENT OF UNAUTHORIZED TRANSFER. If you believe your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, you will call (877) 282-0444 or write TOMPKINS FINANCIAL CORP, Card Services Department, P.O. Box 460, Ithaca, NY 14851.

You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

BUSINESS DAYS. For purposes of these disclosures, our business days are Monday, Tuesday, Wednesday, Thursday, and Friday. Holidays are not included.

TYPES OF TRANSFERS. You may authorize certain direct deposits to your checking or savings account. You may authorize certain bills and other payments to be deducted from your checking or savings accounts. A merchant may convert your check in payment for merchandise or services into an electronic funds transfer from your account.

You may use your card or code to:

  • Make deposits to your checking and savings accounts.
  • Pay bills directly from your checking account in the amounts and on the days you request.
  • Pay for purchases at places that have agreed to accept the card or code.
  • Transfer funds between your checking and savings accounts.
  • Withdraw cash from your checking and savings accounts.
  • Verify account balances (which might include funds on hold, not available for immediate withdrawal).

Some of these services may not be available at all terminals.

ELECTRONIC CHECK CONVERSION. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to

  • pay for purchases
  • pay bills.


  • For security reasons, there are limits on the number of transfers you can make using our terminals/telephone/bill-paying/point-of-sale transfer service.


  • $500 for a PIN debit transaction / $5000 for credit or signature transaction / $5000 for a Cash Advance / $500 for an ATM withdrawal.
  • Payments submitted through our Internet Banking Bill Pay service are limited to a maximum of $9,999.99 per individual payment, and a maximum aggregate total of $20,000.00 per business day.
  • External Transfers submitted through our Internet Banking service (optional transfers to or from accounts(s) at other US financial institutions are limited to a maximum of $3000.00 per business day).


  • Ask for our schedule of fees for a listing of maintenance fees and service charges applicable to your VISA check card and ATM card.

CONFIDENTIALITY. We will disclose information to third parties about your account or the transfers you make:

  • Where it is necessary for completing transfers, or
  • In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant, or
  • In order to comply with government agency or court orders, or
  • If you give us written permission.


Terminal Transfers. You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines or point-of-sale terminals.

Preauthorized Credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company you can call us at (607) 273-3210 to find out whether the deposit has been made.

Periodic Statements. You will get a monthly account statement unless there are no electronic transfers in a particular month. In any case, you will get the statement at least quarterly.


Stop Payments. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how: call us at (607) 273-3210 or write us at TOMPKINS TRUST COMPANY, Customer Records Department, P.O. Box 460, Ithaca, NY 14851, in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we can also require you to put your request in writing and get it to us within 14 days after your call. We will charge you a fee for each stop payment order you give us (see schedule of fees). 

Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)

Liability for Failure to Stop Payment of Preauthorized Transfer. If you order us to stop one of these payments 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.

FINANCIAL INSTITUTION’S LIABILITY. If we do not complete a transfer to or from your account on time, or in the correct amount according to your agreement with us, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

  • If, through no fault of ours, you do not have enough money in your account to make the transfer.
  • If the transfer would go over the credit limit on your overdraft line.
  • If the automated teller machine where you are making the transfer does not have enough cash.
  • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
  • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
  • There may be other exceptions stated in your agreement with us.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. You will telephone us at (877) 282-0444 or write us at TOMPKINS FINANCIAL CORP, Card Services Department P.O. Box 460, Ithaca, NY 14851 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. You will:

  • Tell us your name and account number (if any).
  • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  • Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (5 business days if point-of-sale transaction, and 20 business days if new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if point-of-sale transaction, or new account, or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days if point-of-sale transaction, and 20 business days if new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For the purpose of this paragraph, an account is a new account for a period of 30 days from the date of the first deposit to the account.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

SAFETY PRECAUTIONS WHILE USING ATMs. The activity at each of our automated teller machines (ATMs) is recorded by a surveillance camera. Close the entrance door completely on entering and leaving any enclosed ATM facility and do not permit any unknown persons to enter it with you after regular banking hours. If you withdraw cash, place it securely on your person before exiting the ATM facility. Use the nearest public telephone (or your cell phone, if you have one) to call police if emergency assistance is needed. Complaints about security in our ATM facilities should be directed to our Security Department at (607) 273-3210 or to the State of New York Banking Department at 1-607-273-3111.