1. Withdraw cash from your checking and statement savings account(s).


2. Make deposits to your checking and statement savings account(s).


3. Transfer funds between your checking and statement savings account(s) whenever you request.


4. Obtain the available balance(s) from your checking and statement savings account(s).


5. Pay for purchases at places that have agreed to accept your Boardwalk Bank MasterMoney® Debit Card or Boardwalk Bank ATM Card with your PIN.


6. Pay bills directly by telephone from your checking or statement savings account in the amounts and on the days you request.

Some of these services may not be available at all terminals.  The above transactions are only applicable to the account(s) designated as primary on your Boardwalk Bank MasterMoney® Debit Card / ATM Card Application. Additional primary accounts may be added at your written request.

1. You exceed the daily withdrawal or purchase limit; or
   
2. You exceed the funds available in your account(s); or
   
3. You do not enter the correct PIN; or
   
4. You exceed the frequency of usage limitation.

The receipt provided by Star ATM, MasterCard® ATM and NYCE ATM or Merchant terminal (POS) will notify you of your denial. There is a limit on the number of such denials permitted. Attempts to exceed the limit may result in machine retention of your Boardwalk Bank MasterMoney® Debit Card or Boardwalk Bank ATM Card.

7. How to Contact Boardwalk Bank
If you believe that your Boardwalk Bank MasterMoney® Debit Card, Boardwalk Bank ATM Card or PIN has been lost or stolen, call 1-888-720-2265 Monday through Friday between 8:00AM to 6:00PM (excluding bank holidays). After hours, you may call 1-800-472-3272 or write to: 

Boardwalk Bank ● PO Box 279, Linwood, NJ 08221

You should also call the number or write to the address listed if you believe a transfer has been made using the information from your check without your permission.  At the time that you notify us, a hold will be placed on your old card and you will need to reapply for a new card. After such time, if you find your old card, you may notify us and return it. If you attempt to use your old card, the ATM may capture and retain it.

If you notice unauthorized transactions on your statement; or if you think a statement or receipt is wrong; or if you need more information about a transaction, call 1-888-720-2265 between 8:00AM and 6:00PM Monday through Friday excluding bank holidays. You can also immediately write Boardwalk® Bank, PO Box 279, Linwood, NJ 08221

8. Charges for Transactions
We reserve the right to change our fee schedule and to charge your account in accordance with the new fee schedule that will be provided to you at least 30 days prior to change in assessment. In addition to fees charged by us, ATM owners may charge you a fee for performing a transaction at that ATM.

9. Deposit and Payment Information
Deposits made at ATMs are posted to your account(s) according to the Rules and Regulations of that account(s) and our Fund Availability Policies. You can find these contained in our Disclosure Statement, required under the Expedited Funds Availability Act, a copy of which has either been provided to you or is available upon request. You may not deposit any foreign currency. All items presented at our ATM are removed before 3:30PM each business day.

Boardwalk Bank reserves the right to verify the deposits before funds are made available to you; however, the availability of your deposit depends on the following:

1. The type of account in which you deposit your funds; or


2. The type of deposit, and whether Boardwalk Bank or another financial institution operates the ATM.

Consult the Rules and Regulations of the particular account to which you are depositing and our Funds Availability Disclosure Statement for more information.

Payments using a deposit/payment envelope will only be accepted at ATMs, which we operate. If the dollar amount on the item presented differs from the amount you have indicated, we will adjust your account to reflect the amount we have received and advise you of any difference.

10. Record of Transaction
You may receive a printed receipt for each ATM, or purchase transaction. You will receive a monthly statement showing the account status, transactions made during the past month, and any charges.

11. Liability for Unauthorized Transfers
A.  Tell us AT ONCE if you believe your (card) (code) has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using the information from your check.  Telephoning us is the best way of keeping your possible losses down*.  You could lose all of the money in your account (including 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) (code), you can lose no more that $50.00 is someone used your (card) (code) without your permission.  If you do NOT tell us within 2 business days after you learn of the loss or theft of your (card) (code), and we can prove we could have stopped someone from using your (card) (code) without your permission if you had told us, you could lose as much as $500.00.  Also, if your statement shows transfers that you did not make, including those made by card, code or other means, 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 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 hospital stay) kept you from telling us, we will extend the time periods.

*You can call 1-888-720-2265 between 8:00AM and 6:00PM Monday through Friday (excluding bank holidays).  After hours call: 1-800-472-3272.

B.  MasterCard® debit Additional Limits on Liability for Boardwalk Bank MasterMoney® Debit Card.  You will not be liable for any unauthorized transactions using your MasterMoney® Debit Card, when used for point-of0sale transactions and (i) you can demonstrate that you exercised reasonable care in safeguarding your card from the risk of loss or theft, (ii) you have not reported to us two or more incidents of unauthorized use within the prior twelve month period, and (iii) your account is in good standing.  If any of these conditions are not met, your liability is the lesser of $50.00 or the amount of money, property, labor or services obtained by the unauthorized use before notification to us.  “Unauthorized use” means the use of your debit card by a person, other than you, who does not actual, implied, or apparent authority for such use, and from which you receive no benefit.  The additional limit on liability does not apply to ATM transactions or to transactions using your Personal Identification Number (PIN) which are not processed by MasterCard®.  If you do not meet the above requirements for Zero Liability, Regulation E Liability will apply.  MasterCard is a registered trademark of MasterCard International Incorporate.   

1. Tell us your name, checking/savings account number and Boardwalk Bank MasterMoney® Debit Card or Boardwalk Bank ATM Card number;


2. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.


3. Tell us the dollar amount of the suspected error.


4. We will tell you the results of our investigation within 10 business days after we hear from you and we will correct any errors promptly. If we need more time, however, we may take p to 45 days (90 days for POS/foreign transactions or new accounts*) to investigate your complaint or question. If we decide to do this, we will re-credit your account within 10 business days (5 business days for Boardwalk Bank MasterMoney® Debit Card transactions or 20 business days for new accounts) 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 do not receive your complaint or questions in writing within 10 business days, we may not re-credit your account. You must submit your written statement to the address noted above.

1. Where it is necessary to complete transactions;


2. To verify the existence and standing of your account with us upon the request of a third party, such as a credit bureau;


3. In accordance with your written permission;


4. In order to comply with court orders or government or administrative agency summonses, subpoenas, orders, examinations and escheat reports; and/or on receipt of certification from a federal agency or department that a request for information is in compliance with the Right to Financial Privacy Act of 1978.

1. There are insufficient funds in your account to complete the transaction through no fault of ours;


2. The funds in your account are unavailable;


3. The funds in your account are subject to legal process;
   
   
4. The transaction you request would exceed the funds in your account plus any available Line of Credit;


5. The ATM has insufficient cash to complete the transaction;


6. Your card has been reported lost or stolen and you are using the reported card;


7. We have reason to believe that the transaction requested is unauthorized;


8. The failure is due to an equipment breakdown that you knew about when you started the transaction;


9. The failure was caused by an act of God, fire or other catastrophe, or by an electrical or computer failure or by another cause beyond our control;


10. You attempt to complete a transaction at an ATM or POS which is not a permissible transaction listed above;


11. The transaction would exceed security limitations on the use of your Boardwalk Bank MasterMoney® Debit Card or Boardwalk Bank ATM Card.

In any case, we shall only be liable for actual proven damages if the failure to make the transaction resulted from a bona fide error despite our procedures to avoid such errors.