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Mastercard® Zero Liability Rules

Mastercard has updated its rules relating to liability for unauthorized transactions. Unless otherwise specified, the following changes apply to all Mastercard cards issued by Lighthouse Bank.

Liability for Unauthorized Use

Effective October 17, 2014, the following rule will apply to your MasterCard card and will amend and supersede the terms of your cardholder agreement relating to the Mastercard Zero Liability Policy:
You will have no liability for unauthorized use of your Mastercard, provided that you have exercised reasonable care in safeguarding the Card from risk of loss or theft, and upon becoming aware of such loss or theft, you promptly report the loss or theft to us at 831-600-4000, or 800-500-1044. Mastercard's zero liability policy does not apply to Mastercard-branded cards issued for commercial, business or agricultural purposes, except for Mastercard commercial cards used for small business as listed on Mastercard's policies are subject to change. All other terms of your cardholder agreement remain unchanged, including, without limitation, the definition of "unauthorized use" and your agreement to notify us if your card is ever lost or stolen or if an unauthorized use may have occurred. If you have any questions, please refer to your cardholder agreement or contact us.

Mastercard Safety & Security

For additional information regarding benefits associated with your debit card, including identity theft, please visit Mastercard's Guide to Benefits.

Lighthouse has been a partner of the Digital NEST since its inception. It has been a pleasure working with them and they have met all of our needs including easy access to Online Banking & Remote Deposit Capture.

Jacob Martinez
Digital NEST

Starting a business is tough, but Lighthouse Bank’s SBA Lending Program ensured we had the capital we needed to succeed.

Chris Baca, Charles Jack, and Jared Truby
Cat & Cloud Coffee

It's fun to go to Lighthouse Bank! We're appreciated as individuals and as members of our shared community. We were happy to partner with them via a loan to solar power our business.

Rob & Kathleen Genco
Discretion Brewing

Banking with Lighthouse allows us to spend more time running our business and less time making trips to the bank!

Mary Ann & Mark Escobar
Escobar Diamonds

Lighthouse Bank isn’t just a bank. They really care about every customer who walks in the door, from greeting you by name, to finding the right solution to your banking needs, and supporting small businesses.

Carrie Clark & Sebastian Manjon
ViDA Juice

We love them so much we decided to open personal accounts as well!

Leilani Zehnder and Ariel Stirm
Botanic & Luxe

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