CASHING CHECKS. If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.
CASHING CHECKS. You agree that we may impose conditions on persons who request us to cash a check drawn on your account (for example, by requiring payment of a fee, the presentation of appropriate identification, and/or placement of a fingerprint on the check); we may also refuse to cash the item. You agree that we may dishonor the check if these conditions are not satisfied.
CASHING CHECKS. If a payee of a check you have written on your account with us presents the check over the counter to us for immediate payment in any of our offices, we may require identification and proof of authority satisfactory to us to establish the identity and the authority of the person presenting the check. We (without liability) may refuse to pay a check drawn on your account presented by a payee or holder of the check for immediate payment at one of our branches if (1) we have a concern about the authority or identity of the person presenting the check, (2) our computers are not working properly, (3) the amount of the check exceeds $5000 or such other limit we may set from time to time, or (4) we, in our sole discretion, are suspicious about the transaction such as, we question the authenticity of the Item. You agree that our refusal to pay such a check is not wrongful dishonor. If the payee does not have a deposit relationship with us, we may also require a fingerprint before we pay the check, we may charge a fee for paying the check, or we may refuse to pay the check. From time to time, we may also impose other requirements that we consider appropriate. We have no liability to you for refusing to pay the check or charging a fee.
CASHING CHECKS. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the item we cashed would have been available if you had deposited it.
CASHING CHECKS. If a payee of a check you have written wants to cash the check in any of our offices, we may require identification satisfactory to us. If the payee does not have a deposit relationship with us, we may charge a fee for cashing the check, or we may refuse to cash the check. From time to time, we may also impose other identification requirements, such as a fingerprint, that we consider appropriate. We have no liability to you for refusing to cash the check or charging a check cashing fee.
CASHING CHECKS. Registered Nurses shall be afforded fifteen
CASHING CHECKS. Registered Nurses shall be afforded a reasonable time during which to cash pay checks.
CASHING CHECKS. If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.
1. Available Balance: Your Available Balance is our most current record of the amount of money in your account available for your use or withdrawal. To put it differently, your Available Balance is the total amount of funds in your account less holds placed on deposits and less holds on debit card authorizations not yet presented for payment. While an Available Balance shows as immediately available for use, it may not always depict an accurate display of what you may spend without overdrawing your account. We use the available balance to authorize your transactions during the day (for example, debit card purchases and ATM withdrawals). We also use the available balance to pay your transactions during our nightly processing. Your available balance is calculated as follows: YOU MAY STILL OVERDRAW YOUR ACCOUNT EVEN THOUGH THE AVAILABLE BALANCE APPEARS TO SHOW THERE ARE SUFFICIENT FUNDS TO COVER A TRANSACTION YOU WANT TO MAKE. For example, your Actual Balance and Available Balance are both $100.00. You use your debit card for a $70.00 purchase, the merchant requests an authorization, and a hold is placed on the $70.00. Your Available Balance is now $30.00. Your Actual Balance still shows as $100.00. Before the merchant sends the transaction to us for payment, a $35.00 check you wrote clears your checking account. Because you only have $30.00 available when the check is presented, your account will be overdrawn by $5.00, even though your Actual Balance shows $100.00. In this case, we may pay the $35.00 check, but you will be charged a $30.00 (as of January 1, 2023) Overdraft/Non-Sufficient Funds (NSF)/Returned Item Fee, even though your Actual Balance exceeds the amount of the transaction. This Fee will be deducted from your account, further reducing your Available Balance (to -
CASHING CHECKS. Employees shall be afforded fifteen (15) minutes during which to cash paychecks.
CASHING CHECKS. You should not use your account to cash checks for others who are not known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to us for any reason (e.g. because it is counterfeit or fraudulent). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s chesks, will be paid.
