The WaMu® Online Banking Guarantee will provide a full reimbursement for the amount of any fraudulent or unauthorized transaction which occurs on your account during an online banking session at wamu.com. That means $0 liability for fraudulent or unauthorized activity on your account.
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WaMu’s Responsibility
- For any fraudulent or unauthorized transaction that has been initiated during an online banking session at wamu.com, WaMu will provide 100% reimbursement of the transaction amount plus any related account charges imposed by WaMu or lost account interest resulting from such transaction.
- Our Online Banking Guarantee applies only to our consumer and sole proprietor-owned business accounts and if you have met your Customer Responsibilities; your account is open, in good standing and not overdrawn at the time the fraudulent or unauthorized transaction is posted to your account and you have not reported two or more incidents of fraudulent or unauthorized transactions in the preceding 12 months. This coverage does not apply to offline transactions, online transactions conducted outside of wamu.com or to business and other non-personal accounts, other than sole proprietor-owned business accounts.1
Customer’s Responsibility
- You have protected your password by creating one that would be hard for others to guess and do not write down or share your password with anyone.
- You regularly monitor and reconcile your account transactions to detect any suspicious and/or unauthorized transactions.
- If you suspect a fraudulent or unauthorized transaction has occurred, you must contact WaMu within 60 days of the suspect transaction posting to your account online and provide such cooperation and information regarding the transaction as we request including, but not limited to, a written affidavit. To report a claim, call us at (800) 788-7000.
- If you knowingly share your username and/or password information with others, we will consider any direct or indirect transaction initiated online by this person as an authorized transaction.
- Get the Online Banking Guarantee when you sign up for Online Banking!
