Common use of Statements and Reporting Errors Clause in Contracts

Statements and Reporting Errors. 1. Your Role in Preventing Account Fraud. You have a very important role in protecting your account from fraud and discovering fraud or errors involving your account. You should carefully guard the security of your checkbook and check stock, and immediately notify us if any of your checks are missing. If you are a commercial customer, you should not give the same person the responsibility to write checks and to review statements. You must safeguard your account number, any Personal Identification Number (“PIN”), password or other code or device (such as a token) that you obtain from us to access your account or to perform account functions. This includes the PIN you use with your debit card, the access codes you use with Automated Telephone Banking, Online Banking, or other electronic devices. You must notify us immediately if your account number, PIN, or password are compromised, or you believe you have been or may be the victim of identity theft. You must also notify us immediately if your card or other access device or your PIN or other code were lost or stolen or if you suspect that its 3 Zelle is a registered trademark and is not owned by or affiliated with UMB Bank, n.a. confidentiality has been compromised. A Bank representative will never ask you for your debit card PIN or Online Banking password, and you should not disclose it to a person that claims to be a Bank representative. You must promptly review your statements and immediately report to the Bank any suspected fraud involving your account. As described below, if you do not report any suspected forgery, alteration, missing signature or other discrepancy relating to your account within the required time period, you may not recover the amounts that you claim were unauthorized from the Bank. You should promptly contact us if you do not receive your statement on time and obtain a duplicate. If you are enrolled in Online Banking, you can monitor your account transactions quite easily, and we encourage you to do so. You agree to cooperate with us and with appropriate law enforcement personnel in the investigation of any claim you make involving an unauthorized withdrawal from your account, and to sign an affidavit or other written statement supporting your claim. If we have received a claim involving fraud on your account, we may require you to close the account to prevent additional fraud.

Statements and Reporting Errors. 1. Your Role in Preventing Account Fraud. You have a very important role in protecting your account from fraud and discovering fraud or errors involving your account. You should carefully guard the security of your checkbook and check stock, and immediately notify us if any of your checks are missing. If you are a commercial customer, you should not give the same person the responsibility to write checks and to review statements. You must safeguard your account number, any Personal Identification Number (“PIN”), password or other code or device (such as a token) that you obtain from us to access your account or to perform account functions. This includes the PIN you use with your debit ATM card, the access codes you use with Automated Telephone BankingUMB Direct telephone banking, UMB Online Banking, or other electronic devices. You must notify us immediately if your account number, PIN, or password are compromised, or you believe you have been or may be the victim of identity theft. You must also notify us immediately if your card or other access device or your PIN or other code were lost or stolen or if you suspect that its 3 Zelle is a registered trademark and is not owned by or affiliated with UMB Bank, n.a. confidentiality has been compromised. A No representative of the Bank representative will never ask you for your debit ATM card PIN or UMB Online Banking password, and you should not disclose it to a person that claims to be a Bank representative. You must promptly review your statements and immediately report to the Bank any suspected fraud involving your account. As described below, if you do not report any suspected forgery, alteration, missing signature or other discrepancy relating to your account within the required time period, you may not recover from the amounts Bank an amount that you claim were unauthorized from the Bankwas unauthorized. You should promptly contact telephone us if you do not receive your statement on time and obtain a duplicate. If you are enrolled in an UMB Online BankingBanking customer, you can monitor your account transactions quite easily, and we encourage you to do so. You agree to cooperate with us and with appropriate law enforcement personnel in the investigation of any claim you make involving an unauthorized withdrawal from your account, and to sign an affidavit or other written statement supporting your claim. If we have received a claim involving fraud on your account, we may require you to close the account to prevent additional fraud.

Statements and Reporting Errors. 1. Your Role in Preventing Account Fraud. You have a very important role in protecting your account from fraud and discovering fraud or errors involving your account. You should carefully guard the security of your checkbook and check stock, and immediately notify us if any of your checks are missing. If you are a commercial customer, you should not give the same person the responsibility to write checks and to review statements. You must safeguard your account number, any Personal Identification Number (“PIN”), password or other code or device (such as a token) that you obtain from us to access your account or to perform account functions. This includes the PIN you use with your debit card, the access codes you use with Automated Telephone Banking, Online Banking, or other electronic devices. You must notify us immediately if your account number, PIN, or password are compromised, or you believe you have been or may be the victim of identity theft. You must also notify us immediately if your card or other access device or your PIN or other code were lost or stolen or if you suspect that its 3 Zelle is a registered trademark and is not owned by or affiliated with UMB Bank, n.a. confidentiality has been compromised. A Bank representative will never ask you for your debit card PIN or Online Banking password, and you should not disclose it to a person that claims to be a Bank representative. You must promptly review your statements and immediately report to the Bank any suspected fraud involving your account. As described below, if you do not report any suspected forgery, alteration, missing signature or other discrepancy relating to your account within the required time period, you may not recover the amounts that you claim were unauthorized from the Bank. You should promptly contact us if you do not receive your statement on time and obtain a duplicate. If you are enrolled in Online Banking, you can monitor your account transactions quite easily, and we encourage you to do so. You agree to cooperate with us and with appropriate law enforcement personnel in the investigation of any claim you make involving an unauthorized withdrawal from your account, and to sign an affidavit or other written statement supporting your claim. If we have received a claim involving fraud on your account, we may require you to close the account to prevent additional fraud.