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Personal Online Banking Registration

Columbia Bank's Online Banking makes it possible for you to manage your money, and your life, in the most convenient way possible. Whether it's paying the bills through our Online Bill Pay or making a simple transfer from one account to another, with Online Banking you can complete your most important banking transactions right from your home computer.

The following Online Banking Customer Agreement outlines the consumer policies you should know before signing up for our Online Banking services. Eligible account types that are accessible through Online Banking include Checking Accounts, Statement Savings, Money Market, Certificate of Deposit, Loans, and Residential Mortgage Loans. Simply hit "Continue" at the bottom of this page to begin registration.

At Columbia Bank, we're dedicated to keeping the lines of communication open for all customers. For registration assistance, Columbia Bank customer service is happy to help. Simply call 1-800-522-4167 or send a question through our secure contact form.
Account Security
Communication on the customer's part is also very important. It's your responsibility to maintain the confidentiality and security of your access numbers, security questions, account numbers, login information, and any other personal security information. Any irregularities or suspicion of wrongful use of your account, such as a stolen password, should be reported immediately.

Read below for additional security information, as well as detailed service specifics for electronic bill pay account statements, debit rewards offers, and more.

Personal Online Banking Customer Agreement

  1. Introduction
  2. Accessing Your Columbia Bank Accounts Through Online Banking
  3. Web Site Terms and Conditions
  4. Online Banking/Bill Paying Terms and Conditions
  1. General Online Banking Terms and Conditions for All Customers
  2. Online Banking Terms for Accessing Consumer Accounts
  3. Online Banking Service
  4. Online Bill Paying Service
  5. Electronic Bill Payment Authorization
  6. FinanceWorks & Debit Rewards Offers - End User License Agreement

I. Introduction
  1. This Agreement, for accessing your Columbia Bank accounts through our Online Banking service, explains the terms and conditions governing our Online Banking. Please read this Agreement carefully. By enrolling, electronically or otherwise, and by using Online Banking, you agree to be bound by the terms and conditions of this Agreement. This Agreement also contains important information regarding what you should do if you believe that an unauthorized person has gained access to your account(s) or an error has occurred. Keep this Agreement for future reference. This Agreement will be governed by federal law and the laws of the State of New Jersey to the extent that said state law is not preempted or superceded by federal law.
  2. Each of your deposit accounts at Columbia Bank is also governed by a Deposit Account Agreement and Disclosure which includes an Account Agreement, Funds Availability Disclosure, Electronic Fund Transfer Disclosure, W-9 instructions and General Schedule of Fees. The Deposit Account Agreement and Disclosures also apply to any electronic fund transfers made to or from your accounts by use of Online Banking. This Agreement will control in the event of any conflict between the Account Disclosures and this Agreement.
  3. Throughout this Agreement, the following terms will have the meanings set forth below:

    "Authorized User" refers to a person who is a common owner of any or all Online Banking Accounts.

    "access" refers to the ability to obtain account information, electronic messages, transfer funds between accounts, as described further in this Agreement.

    "Columbia Online Banking" means the ability through Online Banking to access transaction information on Eligible Accounts through Online Banking and transfer funds among those accounts.

    "Columbia Online Bill Payment" means the ability to perform payments to third parties from your designated account through instructions entered into Online Banking.

    "Bill Payment Account" means your designated Columbia Bank checking account from which bill payments will be made.

    "Online Banking Services" means Columbia Bank's Online Banking by web service which includes collectively Account Access Service and Bill Payment Services and such other computer-based banking services that Columbia Bank may make available from time to time.

    "business day" means Monday through Friday, excluding Saturday, Sunday and banking holidays set forth under the laws of the United States.

    "Eligible Accounts" are those types of Columbia Bank accounts referred to in Section II of this Agreement, which may be accessed through Online Banking.

    "ET" means Eastern Time.

    "CT" means Central Time.

    "personal account" means any Columbia Bank deposit account or loan that is used for personal, family, or household purposes.

    "Password" means the confidential personal identification number or other confidential code selected by you for identification purposes in connection with the use of Online Banking.

    "Bank," "we" and "us" refer to Columbia Bank.

    "Service Fee Account" means the Columbia Bank account(s) you have designated to be charged for all fees and charges associated with Online Banking and Bill Paying.

    "transaction" means any electronic banking transaction, including a deposit, withdrawal or bill payment made electronically.

    "you," "your" and "yours" refer to each business customer who requests Online Banking and/or Bill Paying, as well as any person authorized by you to use Online Banking.

    "Bill Payment Agent" refers to our Bill Payment Processor used to support the Bill Payment function.

II. Accessing Your Eligible Accounts 

You can access the following Columbia Bank accounts through Online Banking:
Eligible Account Types 
  • Checking Account
  • Statement Savings
  • Money Market
  • Certificate of Deposit
  • Loans
  • Residential Mortgage Loans
Note: Columbia Bank may from time to time amend this list of eligible accounts.

You must provide us with the account numbers for each of your Accounts in order to have access to them. Your Password will access all accounts that you have requested to be linked for Online Banking purposes.

III. Web Site Terms and Conditions





IV. Terms and Conditions

F. FinanceWorks & Debit Rewards Offers – End User License Agreement

In addition to the above content, if you decide to use either FinanceWorks or the Debit Rewards Offers application, you acknowledge and agree to the following terms and conditions of service.

LICENSE GRANT AND RESTRICTIONS.  You are granted a personal, limited, non-exclusive, non-transferable license, to electronically access and use the FinanceWorks Service (the "Service") solely to manage your financial data, and the purchase rewards application ("Debit Rewards Offers") to benefit from your debit card purchases.

In addition to the FinanceWorks Service and the Debit Rewards Offers, the terms "Service" and "Debit Rewards Offers" also include any other programs, tools, internet-based services, components and any "updates" (for example, Service maintenance, Debit Rewards information, help content, bug fixes, or maintenance releases, etc.) of the Service or Debit Rewards Offers if and when they are made available to you by us or by our third party vendors. Certain Service and Debit Rewards Offers may be accompanied by, and will be subject to, additional terms and conditions.

You are not licensed or permitted to do any of the following and you may not allow any third party to do any of the following: (i) access or attempt to access any other systems, programs or data that are not made available for public use; (ii) copy, reproduce, republish, upload, post, transmit, resell or distribute in any way the material from the FinanceWorks site or from the Debit Rewards Offers program; (iii) permit any third party to benefit from the use or functionality of the Service or Debit Rewards Offers, or any other services provided in connection with them, via a rental, lease, timesharing, service bureau, or other arrangement; (iv) transfer any of the rights granted to you under this license; (v) work around any technical limitations in the Service, use any tool to enable features or functionalities that are otherwise disabled in the Service, or decompile, disassemble, or otherwise reverse engineer the Service except as otherwise permitted by applicable law; (vi) perform or attempt to perform any actions that would interfere with the proper working of the Service or Debit Rewards Offers or any services provided in connection with them, prevent access to or the use of the Service, Debit Rewards Offers or any or services provided in connection with them by other licensees or customers, or impose an unreasonable or disproportionately large load on the infrastructure while using the Service; or (vii) otherwise use the Service, Debit Rewards Offers or any services provided in connection with them except as expressly allowed under this Section 1.

ACCOUNT STATEMENTS.   You are responsible for promptly examining your periodic statement(s) and reporting any irregularities to us. The periodic statement(s) will be considered correct for all purposes and we will not be liable for any payment made and charged to your Account unless you notify us in writing within certain time limits set forth hereafter the statement(s) and checks are made available to you. We will not be liable for any check that is altered or any signature that is forged unless you notify us within ten (10) calendar days after the statement(s) is made available. Also, we will not be liable for any subsequent items paid, in good faith, containing an unauthorized signature or alteration by the same wrongdoer unless you notify us within ten (10) calendar days after the statement(s) was made available. You must also report any other Account problem within ten (10) calendar days after the statement(s) was made available or lose your right to assert the problem against us. If we truncate your checks, you understand that your original checks will not be returned to you with your statement(s). You agree that our retention of checks does not alter or waive your responsibility to examine your statement(s) or change the time limits for notifying us of any errors. You may contact us at 1-800-522-4167.

OWNERSHIP.   The Service and Debit Rewards Offers are protected by copyright, trade secret and other intellectual property laws. You do not have any rights to the trademarks or service marks.

YOUR INFORMATION AND ACCOUNT DATA WITH US.   You are responsible for (i) maintaining the confidentiality and security of your access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information, used by you to access the Service, Debit Rewards Offers or any services provided in connection with them, and your accounts with us (collectively, "Licensee Access Information"); (ii) preventing unauthorized access to or use of the information, files or data that you store or use in or with the Service, Debit Rewards Offers or any services provided in connection with them (collectively, "Account Data"). You are responsible for providing access and assigning passwords to other users, if any, under your account for the Service, Debit Rewards Offers or any services provided in connection with them, and ensuring that such authorized users comply with this Agreement. You will be responsible for all electronic communications, including account registration and other account holder information, email and financial, accounting and other data ("Communications") entered using the Licensee Access Information. It is assumed that any Communications received through use of the Licensee Access Information were sent or authorized by you. You agree to immediately notify us if you become aware of any loss, theft or unauthorized use of any Licensee Access Information. We reserve the right to deny you access to the Service, Debit Rewards Offers or any services provided in connection with them (or any part thereof) if we reasonably believe that any loss, theft or unauthorized use of Licensee Access Information has occurred. You must inform us of, and hereby grant to us and our third party vendors permission to use, Licensee Access Information to enable us to provide the Service, Debit Rewards Offers or any services provided in connection with them to you, including updating and maintaining Account Data, addressing errors or service interruptions, and to enhance the types of data and services we may provide to you in the future. 

We may use anonymous, aggregate information, which we collect and store, or which is collected and stored on our behalf by third party vendors, to conduct certain analytical research and help us to create new offerings and services for our customers. As we make additional offerings and online banking services available to you, some of which may rely on banking information maintained in your accounts, you will have the opportunity to participate in the services if you choose. If you choose not to participate, you do not need to notify us. We may also use anonymous, aggregate information which we collect and store, or which is collected and stored on our behalf by third party vendors, to (i) conduct database marketing and marketing program execution activities; (ii) publish summary or aggregate results relating to metrics comprised of research data from time to time; and (iii) distribute or license such aggregated research data to third parties. Additionally, automated technology may be used to tailor messages or advertisements that best reflect your interest and needs.

YOUR INFORMATION AND ACCOUNT DATA WITH OTHER FINANCIAL INSTITUTIONS. Our financial management tools allow you to view accounts that you may have outside our financial institution (this is a process called "aggregation"). When you choose to use online financial services which are applicable to data that you have transacted with other financial institutions or card issuers, you are consenting to us accessing and aggregating your data from those outside financial institutions. That data includes your financial institution account access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information used to access your account(s) with other financial institutions, and the actual data in your account(s) with such financial institution(s) such as account balances, debits and deposits (collectively, "Financial Account Data"). In giving that consent, you are agreeing that we, or a third party vendor on our behalf, may use, copy and retain all non-personally identifiable information of yours for the following purposes: (i) as pertains to the use, function, or performance of the services which you have selected; (ii) as necessary or useful in helping us, or third parties on our behalf, to diagnose or correct errors, problems, or defects in the services you have selected; (iii) for measuring downloads, acceptance, or use of the services you have selected; (iv) for the security or protection of the services you have selected; (v) for the evaluation, introduction, implementation, or testing of the services you have selected, or their upgrade, improvement or enhancement; and (vi) to assist us in performing our obligations to you in providing the services you have selected.

If we make additional online financial services available to you which are applicable to data that you have transacted with other financial institutions or card issuers, and which we will aggregate at this site, we will separately ask for your consent to collect and use that information to provide you with relevant offers and services. If you give us your consent, you will be agreeing to permit us to use Financial Account Data to help us suggest savings opportunities or additional products and services to you.

If you select services that are offered by third parties or merchants through such offers or on our behalf, you will be agreeing that we have your consent to give such third parties or merchants your geographic location, and other data, collected and stored in aggregate, as necessary for such third parties or merchants to make their offerings and services available to you and to permit us to use Financial Account Data to help us suggest savings opportunities or additional products and services to you. Except as specified here, we and the third parties or merchants acting on our behalf shall not use or keep any of your personally identifiable information.

USE, STORAGE AND ACCESS.   We shall have the right, in our sole discretion and with reasonable notice posted on the FinanceWorks site and/or sent to your email address provided in the Registration Data, to establish or change limits concerning use of the Service and any related services, temporarily or permanently, including but not limited to (i) the amount of storage space you have available through the Service at any time, and (ii) the number of times (and the maximum duration for which) you may access the Service in a given period of time. We reserve the right to make any such changes effective immediately to maintain the security of the system or Licensee Access Information or to comply with any laws or regulations, and to provide you with electronic or written notice within thirty (30) days after such change. You may reject changes by discontinuing use of the Service and any related services to which such changes relate. Your continued use of the Service or any related services will constitute your acceptance of and agreement to such changes. Maintenance of the Service or any related services may be performed from time-to-time resulting in interrupted service, delays or errors in such Service or related services. Attempts to provide prior notice of scheduled maintenance will be made, but we cannot guarantee that such notice will be provided.

THIRD PARTY SERVICES.   In connection with your use of the Service, Debit Rewards Offers, or any other services provided in connection with them, you may be made aware of services, products, offers and promotions provided by third parties, ("Third Party Services"). If you decide to use Third Party Services, you are responsible for reviewing and understanding the terms and conditions governing any Third Party Services. You agree that the third party is responsible for the performance of the Third Party Services.

THIRD PARTY WEBSITES.   The Service may contain or reference links to websites operated by third parties ("Third Party Websites"). These links are provided as a convenience only. Such Third Party Websites are not under our control. We are not responsible for the content of any Third Party Website or any link contained in a Third Party Website. We do not review, approve, monitor, endorse, warrant, or make any representations with respect to Third Party Websites, and the inclusion of any link in the Service, Debit Rewards Offers or any other services provided in connection with them is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by us of any information contained in any Third Party Website. In no event will we be responsible for the information contained in such Third Party Website or for your use of or inability to use such website. Access to any Third Party Website is at your own risk, and you acknowledge and understand that linked Third Party Websites may contain terms and privacy policies that are different from ours. We are not responsible for such provisions, and expressly disclaim any liability for them.

EXPORT RESTRICTIONS.   You acknowledge that the Service may contain or use software that is subject to the U.S. Export Administration Regulations (15 CFR, Chapter VII) and that you will comply with these regulations. You will not export or re-export the Service, directly or indirectly, to: (1) any countries that are subject to US export restrictions; (2) any end user who has been prohibited from participating in US export transactions by any federal agency of the US government; or (3) any end user who you know or have reason to know will utilize them in the design, development or production of nuclear, chemical or biological weapons. You further acknowledge that this product may include technical data subject to export and re-export restrictions imposed by US law.

DEBIT REWARDS OFFERS. If you decide you wish to participate in the Debit Rewards Offers application, you acknowledge and agree to the following terms and conditions of service.

Debit Rewards. You will earn rewards for your participation in the Debit Rewards Offers program based on total purchases. If you participate in the Debit Rewards Offers, we will credit all cash or point rewards earned to your rewards balance and send you a lump sum of all rewards due to you. For any qualifying purchases during the current month, we will distribute the lump sum amount to you during the following calendar month. For example, if the payment date of all rewards end user disbursements is August 30, the applicable Measurement Period would be the calendar month ended July 31. Cash rewards will be deposited in the Debit Rewards Offers deposit account which is associated with the Debit Rewards Offers program. 

Debit Rewards Offers Account. You must use the debit card associated with the Debit Rewards Offers account in order to receive the offers which qualify for the rewards. Rewards will not be earned for any portion of your purchase that you pay for with store credit, gift certificates or other payment types.

Purchases must be made as indicated in the offers made available under the Debit Rewards Offers program. Each offer will specify whether the purchase can be made online, at a store location, or by telephone to be eligible for rewards. You must also comply with any guidelines included with the offer, such as offer expiration dates, minimum purchase amounts, purchase limits, etc. You must also pay using the debit card associated with the account that received the Debit Rewards offer in order for the purchase to qualify.

While we and the merchants work hard to properly track and credit all eligible purchases, there may be times that we are unable to do so because of problems with your internet browser, the merchant's web site or our system. Please contact our support team if you believe you have made a qualifying purchase for which you did not receive Rewards.

Please note that you will not earn rewards as part of this program if you use a debit card not issued by us or do not have the designated deposit account opened with us at the time of disbursement.

You understand and agree that we make no warranties and have no liability as to:
  1. Any offers, commitments, promotions, money back, or other incentives offered by any of the merchants in the Debit Rewards Offers program.
  2. The rewards information that we provide to you, which is provided "as is" and "as available".
  3. (i) your inability to comply with offer guidelines, (ii) the accuracy, timeliness, loss or corruption, or mis-delivery, of any qualifying purchase information or any other information, (iii) unauthorized access to your account(s) or to your account information and any misappropriation, or alteration, of your account information or data, to the extent that the unauthorized access results from your acts or omissions, or (iv) your inability to access your account(s) including, but not limited to, failure of electronic or mechanical equipment, interconnect problems with telephone providers or internet service providers, acts of God, strikes, or other labor problems.
  4. Some states do not allow limitations on how long an implied warranty lasts, so that the above limitations may not apply to you, and that you may also have other rights, which vary from state to state.
We recommend that you read and print this agreement before accepting, please Click Here.


A. General Online Banking Terms and Conditions For All Customers. This section applies to customers accessing their accounts.

  1. Fees
    Fees for customers are disclosed in our General Schedule of Fees. You agree to pay promptly all fees and charges for Online Banking and, if applicable Bill Payment and authorize us to charge the Service Fee Account or, if there are insufficient available funds in the Service Fee Account, any other of your Columbia Bank accounts for the fees. You agree to be responsible for telephone charges to the extent that any may be incurred through use of Online Banking.

    If you wish to close any Checking Account which is acting as your Service Fee Account and/or your Bill Payment Account, you must notify us prior to such closing and identify a new Checking Account which is to serve as your Service Fee Account and/or your Bill Payment Account for Online Banking. Failure to notify us may result in the termination of Online Banking, and you agree that we may charge any account you have with Columbia Bank for the amount of any outstanding charges you owe.

  2. How to Contact Us 
    Call a Customer Service Representative at 1-800-522-4167 (outside the continental U.S. call (201)794-5656) during normal business hours.

    If you would like to send us a message, you can send all questions through our secure email Guest Book in Contact Us. This is a secure method of sending personal information to us. Please be sure not to include your account number or social security number through an unsecured site. You should never divulge your password.

    You can also write to us at: Columbia Bank, 19-01 Route 208 North, Fair Lawn, NJ 07410 Attn: Internet Banking Representative.

  3. Use of Electronic Messages 
    Sending electronic messages through Online Banking is a way to communicate with the Bank, as required
    elsewhere in this Agreement. However, there may be times when you need to speak with someone immediately (especially to report a lost or stolen Password). In these cases, do not use an electronic message. Instead, call us at 1-800-522-4167, ext. 5656 (outside the continental U.S. call (201)794-5656) during normal business hours. Also, it is important to remember that you cannot use an electronic message through Online Banking to either transfer funds between accounts or to conduct transactions, such as paying bills. To accomplish these activities, please follow the appropriate instructions provided by Online Banking.

    By enrolling in Online Banking, you agree that we may communicate with you through your Online Banking electronic message address for the purpose of sending you notices of any changes in terms to this Agreement or for providing you such other disclosures or notices as may be required by applicable laws or regulations.

  4. Addition of New Services 
    Columbia Bank may, from time to time, introduce new online services. We may notify you of the existence of these new services when they become available and, if you choose to make use of any new service, you agree to be bound by any terms and conditions regarding the new services that we may send to you.
  5. Cancellation and Reinstatement of Online Banking 
    If you wish to cancel Columbia Online Banking, you may submit an Account Change Form located within Online Banking, please allow 2-3 business days for the request to be processed. You may send us cancellation instructions in writing to Columbia Bank Attn: Internet Banking 19-01 Route 208 North, Fair Lawn, NJ 07410

    In order to reinstate your Online Banking service, access Online Banking by Web at and by accepting our Customer Agreement and authorization instructions for activating Online Banking, as well as, completing the Online Banking Application your service will be activated. If you do not access your Columbia Bank accounts via Online Banking for any three (3) month period, for your protection, we reserve the right to disconnect your service.

  6. Limitations, Priority and Performance of Transactions
    Any one bill payment item cannot be for an amount greater than $9,999.99. We may, from time to time, limit the type, number and dollar amounts of any checks, drafts, withdrawals, or transfers made by use of Online Banking, notwithstanding the amount in your accounts. Limits on the number of transactions that you may perform on your Columbia Bank checking, NOW, Money Market or statement savings accounts are described in the applicable Account Agreement for such accounts.

    If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold is removed.

    If you schedule an Online Banking transaction to occur on a non-business day, we reserve the right to debit funds from your applicable Eligible Account on the first business day following the transfer date or bill payment pay date.

    If there are not sufficient funds or available funds on the effective date of the transfer, we may not complete the transfer and a service charge and/or late charge may be assessed to the account(s).

  7. Termination, Amendment and Assignment
    We reserve the right to terminate or amend this Agreement, or your access to Online Banking, at any time with any notice as may be required by law. You agree that any required notice may be sent to you electronically at your Online Banking electronic message address. We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.

  8. Recording of Information and Disclosure to Third Parties
    The collection of personal information online is designed to protect access to your personal accounts and to assist the bank in providing you with the products and services you want and need. All personal information collected and stored by the bank is used for specific business purposes to protect and administer your personal accounts and transactions, to comply with state and federal banking regulations, and to help the bank better understand your financial needs in order to design or improve our products and services.

    Employing stringent security measures in the collection of your personal information, all Columbia Bank online account applications are submitted to the bank's secure administration site through an encrypted direct line to the bank. Once received by the bank, only approved personnel may open and process the application. Furthermore, auditing mechanisms have been put into place to further protect your information by identifying which employee(s) has accessed and in any way modified, updated, or added to your personal information.

    When visiting our Web site to read or download information, we do not collect information about you, but we do collect and store information about your Internet connection and the date and time of your visit. Specifically, we record:
    1. The name of the domain from which you access the Internet (for example,, if you are connecting from an America Online account, or, if you are connecting from Princeton University's domain).
    2. The Internet address of the Web site from which you linked directly to our site, if any (for example,, if you are following a link from the FDIC Web site, or, if you are using the Yahoo search engine).
    3. The type of web browsing software you are using to view our site.
    4. The date and time you accessed our site.
    5. The pages from where you entered and exited our site.

The information and electronic messages you enter through Online Banking may be recorded. We may disclose information about your Eligible Accounts, or the transfers, transactions or payments you perform, to third parties and you hereby authorize those third parties to disclose similar information to us:
  1. where it is necessary for completing transfers or transactions; or
  2. in order to verify the existence and condition of your account for a third party such as, for example, a credit bureau, a merchant, another financial institution; or
    in order to comply with government agency or court orders, or investigations or examinations by our bank regulators; or
    in the investigation or prosecution of alleged fraudulent activity concerning your accounts; or
    if you give us your permission; or
    as may be otherwise authorized in other agreements with us.

A. Online Banking Terms and Conditions For Personal Accounts
  1. In accordance with the terms of this Agreement, we will accept instructions from any person using your Password to conduct Online Banking transactions.
  2. You will be given the ability to select a Password that will give you access to Online Banking. You alone will have the ability to change your Password and we recommend that you change your Password regularly. Columbia Bank is entitled to act on instructions received under your Password and you agree that the use of your Password will have the same effect as your signature authorizing any transaction. For security purposes, we recommend that you memorize your Password and do not write it down. You are responsible for keeping your Password, account numbers, and other account data confidential. Where you have authorized any other person to use your Password in any manner, your authorization shall be unlimited in amount and manner.
  3. Your Liability for Unauthorized Transfers/Transactions
    It is imperative that you tell us AT ONCE if you believe your Password has been lost or stolen. Telephoning is the best way of limiting your possible losses. You could lose all the money in the accounts to which you have access through Online Banking, plus your maximum overdraft line of credit or the balance in any other account connected to your account for overdraft protection. If you tell us within two business days that someone has used your Password without your permission, you can lose no more than $50.00.

    If you do NOT tell us within two business days after you learn of the loss or theft of your Password and we can prove we could have stopped someone from accessing your account(s) without your permission if you had told us, you could lose as much as $500.00.

    Also, if your statement shows electronic transfers or transactions that you did not make, tell us at once. If you do not tell us within 60 calendar 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 a hospital stay) kept you from telling us, we will extend the time periods.

    Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you find that your records and ours disagree, or you believe that your Password has been stolen or is no longer secure, you must call us immediately at 1-800-522-4167, ext. 5656 (outside the continental U.S. call (201)794-5656) during normal business hours.
  4. In Case of Errors or Questions about Your Electronic Transfers/Transactions
    Telephone us at 1-800-522-4167, ext. 5656 (outside the continental U.S. call (201)794-5656) during normal business hours or write us at Columbia Bank, Central Service Area, 19-01 Route 208 North, Fair Lawn, NJ 07410 as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. You must do the following:
    a. Tell us your name and account number;
    b. 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, and;
    c. Tell us the dollar amount of the suspected error.

    If you tell us orally, we will require that you send us your complaint or question in writing within ten (10) business days. After we receive your inquiry, we will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or questions. If we decide to do this we will credit your account within ten (10) business days 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 question in writing within ten (10) business days, we will not credit your account. If we decide that there is no error, we will send you a written explanation within three (3) days after we finish our investigation. Five (5) business days after we send you our written explanation we will withdraw from your account any sums we temporarily credited to it. You may ask for copies of the documents that we used in our investigation.
  5. Documentation of Transfers/Transactions
    We will send you Checking Account, NOW Account, Money Market Account or Statement Savings Account periodic statements in accordance with the applicable Account Agreement for Checking, NOW, Money Market and Statement Savings Accounts.
  6. Our Responsibility to Consumers
    If we do not complete a transfer or transaction according to the terms and conditions of this agreement we will complete the transfer or transaction, without charging you any additional fee unless:
    In addition, you agree that we will not be responsible for delays caused by mail service or the negligence or willful misconduct of yourself or others. Our sole responsibility for an error in a transfer or transaction will be to correct the error, but in no case shall we be liable for any indirect, special or consequential, economic or other damages, including interest or late payment charges assessed by a merchant or a termination of service caused by a delay in a merchant's receiving the transfer or transaction.

    a. If, through no fault of ours, you do not have enough money in your account to make the transfer or complete the transaction;