What is considered an Electronic Funds Transfers (EFT)?

Electronic funds transfers include any transfer of funds initiated through an electronic terminal, telephone, computer or magnetic tape for the purpose of ordering, instructing or authorizing a financial institution to debit or credit an account. An electronic funds transfer includes, but is not limited to:

• Automated teller machine (ATM) cash withdrawals and transfers.
• Point-of-sale transactions (PIN was used).
• Debit card transactions, whether or not initiated through an electronic terminal (No PIN was used).
• Web Bank transactions (including Web On-line Bill Pay).
• Transfers initiated by telephone, such as Direct Line transfers and payments.
• Direct deposits or withdrawals of funds (including ACH entries).

What accounts are covered?

• Personal Deposit Accounts (Checking, Savings and Money Market Accounts)
• Personal Debit Cards

What accounts are NOT covered?

• Business or Commercial Checking Accounts
• Business Debit Cards o Investment Accounts
• Credit Cards

For more information regarding Regulation E protections and how to submit a dispute involving your personal deposit accounts at Huntington, please refer to the relevant Huntington account related agreements and/or disclosures (Electronic Banking Services Agreement and Disclosure Statement, Electronic Transfer Agreement and Disclosure Statement, Online Banking Access Agreement and Bill Pay Disclosure).