Pine

Let's Talk

Visit an office
Send us an email
Call 877-476-2265

Trusteer Security Software

Effective October 1, 2012

Trusteer Rapport will be required for all online wire transfer and ACH transactions. More about Trusteer.

 

Pine

Let's Talk

Visit an office
Send us an email
Call 877-476-2265

Trusteer Security Software

Effective October 1, 2012

Trusteer Rapport will be required for all online wire transfer and ACH transactions. More about Trusteer.

Pine

Have a question?
Contact Us.

Visit a branch
Send us an email
Give us a call 1-877-476-2265

Trusteer Rapport is required for all online wire transfer and ACH transactions. More about Trusteer. 

Pine

Let's Talk

Visit an office
Send us an email
Call 877-476-2265

Trusteer Security Software

Effective October 1, 2012

Trusteer Rapport will be required for all online wire transfer and ACH transactions. More about Trusteer.

Torrey Pines Bank is closed on the following holidays:

January 20
February 17
May 26
July 4
September 1
October 13
November 11
November 27 and 28
December 24 at 2:00p.m.
December 25
January 1, 2015

ACCOUNT STATEMENT DISCLOSURES

Checking & Money Market Account Statement Disclosures

IMPORTANT INFORMATION ABOUT REVIEWING YOUR STATEMENT

You are responsible for promptly examining your statement each statement period and reporting any irregularities to us. The periodic statement 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 after the statement 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 thirty (30) calendar days after the statement 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 thirty (30) calendar days after the statement is made available. If you have requested us to hold your Account statements, we have the right to mail your statements if you have not claimed them within thirty (30) calendar days. If we truncate your checks or provide you with an image of your checks, you understand that your original checks will not be returned to you with your statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or change the time limits for notifying us of any errors.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS

Write us at 12220 El Camino Real, Suite 200, San Diego, CA 92130, telephone us at (877) 476-2265 or E-mail us at inquiries@torreypinesbank.com 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.

When contacting us, please provide the following:

  • Tell us your name and account number.
  • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  • Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this (or 20 business days for a new account), we will credit your account 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.

METHOD USED TO DETERMINE THE BALANCE ON WHICH THE FINANCE CHARGE WILL BE COMPUTED

Pines Reserve – We figure the interest charge on your account by applying the periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance" we take the beginning balance of your account each day, add any new advances and subtract any unpaid interest charges and fees and any payments or credits. This gives us the daily balance.

The Annual Percentage Rate and Daily Periodic Rate may vary.

WHAT TO DO IF YOU THINK YOU FIND A MISTAKE ON YOUR STATEMENT

If you think there is an error on your statement, write to us at:

Torrey Pines Bank
Credit Support Department
12220 El Camino Real Suite 200
San Diego, CA 92130

In your letter, give us the following information:

  • Account information: Your name and account number.
  • Dollar amount: The dollar amount of the suspected error.
  • Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.


You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true:

  • We cannot try to collect the amount in question, or report you as delinquent on that amount.
  • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.
  • While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
  • We can apply any unpaid amount against your credit limit.

NOTICE OF FURNISHING NEGATIVE INFORMATION

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

DIRECT DEPOSITS

If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (877) 476-2265 to find out if the deposit has been made.

 

Savings Account Statement Disclosures

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS

Write us at 12220 El Camino Real, Suite 200, San Diego, CA 92130, telephone us at (877) 476-2265 or E-mail us at inquiries@torreypinesbank.com as soon as you think your statement or receipt is wrong or if you need more information about a transfer listed on this statement. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. In your letter:

  • Tell us your name and account number.
  • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  • Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this (or 20 business days for a new account), we will credit your account 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.

Visa Debit Card Annual Disclosure

Please click here for disclosure.