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Electronic Fund Transfer Initial Disclosure


You will tell us AT ONCE if you believe your Debit/ATM card and/or PIN number has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your Debit/ATM Card. 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 Debit/ATM card and/or PIN number, you can lose no more than fifty dollars ($50.00) if someone used your Debit/ATM card and/or PIN number without your permission.

If you do NOT tell us within two business days after you learn of the loss or theft of your Debit/ATM card and/or PIN number and we can prove we could have stopped someone from using your Debit/ATM card and/or PIN number without your permission if you had told us, you could lose as much as five hundred dollars ($500.00).

Limitation of Liability for Unauthorized Point of Sale Transactions. Tell us AT ONCE if you believe your Debit/ATM Card has been lost or stolen or of any unauthorized transactions. Your liability for unauthorized transactions that take place on the system is zero dollars ($0.00). We may require you to provide a written statement regarding claims of unauthorized 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.

Also, if your statement shows transfers that you did not make, including those made by Debit/ATM card and/or PIN number 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 Automated Teller Machine (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.



If you believe your Debit/ATM card and/or PIN number 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 Card Services Department at TOMPKINS FINANCIAL CORP, 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 Debit/ATM Card without your permission.



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



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 Debit/ATM card and/or PIN number 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 Debit/ATM card and/or PIN number.

  • 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).

  • Mobile Check Deposit.

  • Make Payments to Consumer Loans you have with Tompkins.

  • Report Debit/ATM card lost, activate Debit/ATM card, change the PIN on the Debit/ATM Card.

Some of these services may not be available at all terminals. Additional services may be available; ask for details.



You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your Debit/ATM card to:

  • Pay for purchases

  • Pay bills


  • $500 for total daily ATM withdrawals

  • $500 for PIN based Debit transactions for up to 10 transactions per day

  • $5,000 for Credit or Signature based transactions for up to 10 transactions per day

  • $500 for total daily Cash Advances

  • Payments submitted through our Online Banking Bill Pay service are limited to:  Retail: up to $50,000 / payment.  No daily or monthly caps. Business: $50,000 / payment up to $100,000 / business day up to $200,000 / month.

  • External Transfer submitted through our Online Banking service (optional transfers to account(s) at other US financial institutions are limited to a maximum of $3,000 per business day.

  • $2500 or 3 checks per day/$5000 or 10 checks per calendar month for Mobile Check Deposit.


Ask for our Schedule of Fees for a listing of maintenance fees and service charges applicable to your Debit/ATM Card.



Your Debit/ATM Card may be deactivated after 12 months of inactivity.



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 over $15.00 to or from your account using one of our automated teller machines or point-of-sale terminals. You may not be given the option to receive a receipt if your transaction is $15.00 or less depending on the merchant as they are not required to provide a receipt for any transaction for $15.00 or less.

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 your Bank's phone number below 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 by phoning or mailing us 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)

Customers of Mahopac Bank please call (845) 278-1000 or write MAHOPAC BANK, 630 Route 6, Mahopac, NY 10541

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.


You will telephone us at (607) 273-0444 or 1-877-282-0444 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 can 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 can 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 funds during the time it takes us to complete our investigation. If we request 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 can ask for copies of the documents that we used in our investigation.



  • 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) 273-3111 or to the State of New York Banking Department at 1-888-697-2861.