Understanding Electronic Fund Transfers
To understand your rights and responsibilities for your EFTs, read the documents you receive from the financial institution that issued your "access device" – the card, code or other way you access your account to transfer money electronically. Although the method varies by financial institution, it often involves a card and/or a PIN. No one should know your PIN but you. You also should read the documents you receive for your account, which may contain more information about EFTs.