Alton Bank  
 
  Dormant Accounts

Beginning May 1, 2013, Regular, Now, and Low Volume Checking Accounts become dormant after one year of inactivity. Statement Savings and MMDA Accounts becomes dormant after two years of inactivity. A dormant account can be reactivated by contact with Alton Bank. All dormant accounts not reactivated will be assessed a dormant account fee.


Mastercard Zero Liability Change

Effective October 17, 2014, Mastercard is extending its Zero Liability Policy to include all Mastercard PIN-based and ATM transactions. A cardholder will not be liable for unauthorized transactions, as long as the cardholder has exercised reasonable care in safeguarding the card from risk of loss or theft, and upon becoming aware, promptly reported the loss or theft to the issuer. *The new rule eliminates the $50 liability limitation that applies under the current Mastercard rule if the conditions for zero liability are not met. Under the revised rule, if the conditions for zero liabilty are not met the the Regulation E limitations will apply instead of the current $50 Mastercard limitation. Under Reg. E, the cardholder could have up to $500 liability if the loss is not reported within 2 days of discovery, or unlimited liability if the unauthorized transaction is not reported within 60 days of when the unauthorized transaction was reported on a periodic statement. *This rule does not apply to commercial cards.

 

 


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