A 信任的联系 is someone you designate that Patelco can communicate with when you go offline and can’t be reached — whether it’s due to a health matter, natural disaster or traveling with limited cell reception. A 信任的联系 is also someone Patelco can reach out to if we suspect you might have fallen victim to a scam — or if we suspect financial exploitation or have other concerns about your welfare. Think of a 信任的联系 as an account enhancement that helps Patelco keep your account safe.
A 信任的联系 is a trusted friend or family member who can:
While you are not required to have a 信任的联系, establishing one may help us move decisively if we ever need to address suspected fraudulent activity. 你可能已经有委托书了1 或者你账户上的配偶, but a 信任的联系 provides an additional resource to reach out to if an issue arises.
It’s important to note that 信任的联系s are unable to act on your behalf, 进行交易, or engage in account activity (unless they’re already an authorized party on your account such as a joint owner or Trustee).
Likely to be in the best position to know your current personal and family situation
Help protect assets, and respond to suspected financial exploitation
Identify your legal guardian, 受托人 or power of attorney
If concerns arise, they can confirm your health status
Help Patelco connect with you if we are unable to reach you
Providing you with support and resources when you need it the most
No. A 信任的联系 cannot authorize transactions on your behalf, make decisions on your behalf or be given detailed account information, 例如余额或交易历史
在大多数情况下, anybody who’s at least 18 years old can be a 信任的联系, but we suggest designating a person who isn’t already authorized to conduct business or receive information on your behalf. 信任的联系s are usually family members or close friends — people you trust and who are likely to be in the best position to know your current situation — as opposed to your investment advisor, 受托人, 或者是有授权书的人.
在Patelco，你最多可以指定两个. 信任的联系s are often applied to your entire relationship with your financial institution, so you don’t have to worry about naming individual contacts for each account.
Full Name, Address, Phone Number, Date of Birth, Email Address and Relationship to Member(s).
No. Patelco will not discuss any matters pertaining to a member unless we have specific concerns and initiate contact with a 信任的联系.
The role of a 信任的联系 can include responsibilities such as acting as an emergency contact if a health issue arises, helping Patelco connect with a member we’re unable to reach, and to be a resource if suspected fraud or unauthorized account activity is suspected by Patelco.
如果有紧急情况, such as a health crisis or suspected incapacity of the member arises, Patelco可能会与您联系以获得指导. 如果我们需要联系会员, 但是够不着, 我们可能会联系你，以帮助我们找到他们. We may also contact you if we have any suspicions of unauthorized activity on the account.
If you have concerns about your role as a 信任的联系, it’s best to consult with the member about your concerns.
事情往往在我们最意想不到的时候发生. Don’t wait, establish a 信任的联系 for your Patelco account today.
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Are you a victim of fraud, identity theft, or a scam?
1 如果你愿意, you may designate the same person to be a 信任的联系 and to have power of attorney – but you must complete separate processes and forms for each
