Insufficient Funds and Overdrafts. It is your responsibility to know if there are sufficient funds in your account before you write a check, make a cash withdrawal at an ATM, make a purchase with your debit card, or issue, initiate or authorize any other item for payment from your account. It is important that you carefully monitor the funds in your account, and promptly record in your account register all of your deposits to, and items that you issue, initiate or authorize for payment from, your account. You should never assume that you can make a covering deposit to your account before an item will be presented to us for payment because items are often presented to us for payment very quickly, and because funds from your covering deposit may not be immediately available for withdrawal. You can avoid insufficient funds and overdraft charges by making sure that your account always contains sufficient funds to cover all of your withdrawals and payment transactions. If your available balance is not sufficient to cover any item presented to us for payment, the item will be posted provisionally to your account pending our decision to return or to pay the item. We have the right, in our sole discretion, to either (1) reverse the provisional posting of the item to your account and return the item to the payee as unpaid for insufficient funds, or (2) pay the item and create an overdraft in your account. Whether we decide to return the item as unpaid for insufficient funds or to pay such item and create an overdraft in your account will depend on various factors, such as the amount of the item and your banking history with us. We may assess and debit a service charge against your account for an item returned for insufficient funds or for an overdraft. Please see our Schedule of Service Fees and Charges for details. If we pay an item and create an overdraft in your account, you must immediately repay that overdraft and any overdraft charge we assessed, and you must also reimburse us for all costs and expenses (including attorneys’ fees and expenses to the extent permitted by applicable law) that we incur in attempting to recover that overdraft and service charge from you. If your account is a joint account, then each account holder is responsible for the repayment of all overdrafts in the account and all related service charges and collection costs and expenses (including attorneys’ fees and expenses to the extent permitted by applicable law), regardless of which account holder issued, initiated, au...
Insufficient Funds and Overdrafts. We may return any item that is drawn against insufficient funds in your account. If we return any item that is drawn against insufficient funds, we will charge your account a “returned check fee” or “returned ACH fee”. Returned items may be represented for payment multiple times. A returned check fee or returned ACH fee may be imposed each time an item is resubmitted and returned due to insufficient funds. Any negative balance in your account is immediately due and payable, unless we agree otherwise in writing. We have the right to offset negative balances in your accounts using any funds, including Social Security funds that are deposited into any of your accounts at TruStone, excluding IRA and HSA funds. It is your responsibility to ensure funds are available in your account when you write a check, use your debit or ATM card, or authorize any other type of withdrawal.
Insufficient Funds and Overdrafts. Your account becomes overdrawn when you do not have enough money in your account to cover a transaction. We may pay or return your insufficient funds item(s) at the Bank's discretion. An overdraft fee may be assessed per item for any returned or paid insufficient item(s). Overdraft fees are applicable to all checking, money market, savings, and health savings accounts. At the Bank's discretion, we may elect to waive an overdraft fee.
Insufficient Funds and Overdrafts. It is your responsibility to know if there are sufficient available funds in your account before you write a check, make a cash withdrawal at an ATM, make a purchase with your debit card, or issue, initiate or authorize any other item for payment from your account. It is important that you carefully monitor your available balance and current balance, and promptly record in your account register all deposits and all items that you issue, initiate, or authorize for payment from your account. You should never assume that you can make a covering deposit to your account before an item will be presented to us for payment—items are often presented to us for payment very quickly and funds from your covering deposit may not be immediately available for withdrawal. You can avoid insufficient funds and overdraft charges by making sure that your available balance is always sufficient at the time all items, withdrawals, and payment transactions are presented to us for payment (including items that you have authorized but have not yet been presented to us for payment.) If your available balance is not sufficient to cover an item at the time of posting, the item will be posted provisionally to your account pending our decision to return or to pay the item. We have the right, in our sole discretion, to either (1) reverse the provisional posting of the item to your account and return the item to the payee as unpaid for insufficient funds, or (2) pay the item and create an overdraft in your account. Whether we decide to return the item as unpaid for insufficient funds or to pay such item and create an overdraft in your account will depend on various factors, such as the amount of the item and your banking history with us. You will incur, and we may debit from your account, an insufficient funds charge for each item returned for insufficient funds and an overdraft charge for each item that results in an overdraft. Please see your Schedule of Service Fees and Charges for details. After an item, such as a check or ACH transaction, is returned due to insufficient funds, the Bank may receive one or more additional requests to pay the intended payee. Each subsequent request is a separate item, and the Bank may assess and debit an insufficient funds charge or an overdraft charge for each request. If we pay an item and create an overdraft in your account, you must immediately repay that overdraft and any overdraft charge you incurred. You must also reimburse us for all costs and ex...
Insufficient Funds and Overdrafts. We may return any item that is drawn against insufficient funds in your account. If we return any item that is drawn against insufficient funds, we will charge your account the “ returned check fee” or the “ returned ACH fee”. Any negative balance in your account is immediately due and payable, unless we agree otherwise in writing. We have the right to offset negative balances in your accounts using any funds, including Social Security funds that are deposited into any of your accounts excluding IRA funds. It is your responsibility to ensure funds are available in your account when you write a check, use your debit or ATM card, or authorize any other type of withdrawal.
Insufficient Funds and Overdrafts. We have no obligation to pay any Item unless you have sufficient available funds in your Account when the Item is presented. Items will be paid based on the order of posting identified in Section
Insufficient Funds and Overdrafts. If we refuse to pay an item drawn on this account because of insufficient funds, we may charge the “insufficient funds” fee. If we pay the item which overdraws the account, we may charge the “overdraft” fee, and deduct the overdraft from the next deposit or use any other collection remedy. Even if we occasionally or regularly pay an item which creates an overdraft on your account, we are not required to do so. The fact that we paid such an item in the past does not mean that we are obligated to do so in the future.
Insufficient Funds and Overdrafts
