Authority to Negotiate Checks and Endorsements. We may take checks for deposit into any accounts you have with us, and recommend you endorse all checks you deposit. If we take a check for deposit without your endorsement, you agree that your lia- bility for the check is the same as if you had endorsed it. If the ac- count is a multiple owner, trustee or fiduciary account, each owner, trustee or fiduciary may endorse and deposit checks for one another. For identification and tracking purposes we may place your number on any check you offer for deposit. If you do not want your number on a check, please tell us and we may return the check to you to obtain payment elsewhere. For your and our protection, we may con- firm the endorsement on any check you offer for deposit, and require you to carry out specific endorsement requirements for business, in- surance or government checks. If you wish to deposit any check payable to two or more persons (whether negotiable sequentially or together), we may require the check to be endorsed (or re-endorsed) in-person at our Credit Un- ion by everyone required to endorse the check. However, we may choose to take such a check for deposit regardless of the number of endorsements on it (or whether those endorsements were made in- person at our Credit Union) if the check is deposited by you or a person you have authorized according to the MSA. For checks not made payable to you as the payee (or endorsee), we may require proof 1) of your authority to endorse a check on behalf of another person or organization, and 2) that any endorsement on a check prior to your endorsement is authentic and authorized. These measures are necessary so we can provide you with our check deposit services and for your and our protection. You agree to be responsible for legal advice we require regarding any matter con- cerning a check you offer for deposit (please see Provision 1.g.). Finally, if you send us a check for deposit (payable to you or us) and do not specifically tell us in writing what is to be done with the check (i.e., you do not explain the exact purpose or reason you are sending the check to us, such as for a loan payment), we may de- posit the check to either a checking or savings account you have with us.
Authority to Negotiate Checks and Endorsements. We may accept checks, drafts, and other items for deposit into any of your accounts. Checks deposited should be endorsed by you for your protection, though we may allow you to deposit them without your endorsement. If the account is a multiple owner ac- count each account owner may endorse checks for one another. For your and our protection, you agree that we may confirm the endorsement on any check that we take for deposit, and may re- quire you to carry out specific endorsement requirements for business, insurance, or government checks before taking those checks for deposit. We may require proof of your authority to en- xxxxx any check on behalf of another person or organization be- fore taking the check for deposit.
Authority to Negotiate Checks and Endorsements. We may take checks for deposit into any accounts you have with us, and recommend that you endorse all checks you deposit. If we take checks for deposit without your endorsement, you agree that your liability for the check is the same as if you had endorsed it. If the account is a multiple owner, trustee or fiduciary account each owner, trustee or fiduciary may endorse and deposit checks for one another. For identification and tracking purposes we may place your number on any check you offer for deposit. If you do not want your number on a check, please tell us and we will return the check to you to obtain payment elsewhere. For your and our protection, we may confirm the endorsement on any check that you offer for deposit, and require you to carry out specific endorsement re- quirements for business, insurance or government checks.
