Cashing Items or Accepting Items for Deposit. FSB may accept a check or other item for deposit to your account from anyone. FSB has no obligation to question the authority of the person making the deposit. If your account is overdrawn, FSB will use the deposit to pay the overdraft and any fees or interest you owe to FSB. All deposits must be accompanied by your deposit slip, account number, and account name; and all checks must be properly endorsed. FSB may refuse, accept for collection only, or return all or part of any deposit. FSB does not accept cash or coins for deposit through mail or courier. FSB may refuse to accept for deposit to your account items which are payable to another person. FSB acts only as your collecting agent for items deposited and FSB assumes no responsibility beyond the exercise of ordinary care, including care in selecting collecting banks. FSB is not responsible for errors and delays made by others in the collection process. If FSB has given you credit for an item and it is not paid for any reason, FSB may revoke the credit and charge the amount of the item back to your account, even if this causes your account to be overdrawn. If FSB accepts a cash deposit in unusual denominations, such as a large number of loose coins, FSB may assess a charge for processing the deposit. If you use a blank deposit slip rather than your personalized deposit slip, you agree that FSB will not be liable for errors that may result from your or FSB’s manually encoding the account information. You agree that you will not knowingly deposit items into your account that do not have either a true original signature of the person on whose account it is drawn or an authorized mechanical reproduction of that person’s signature.
Cashing Items or Accepting Items for Deposit. We may accept, accept for collection only, refuse, or return all or part of any deposit. If we accept checks or other items for deposit to your account or cash them, you are respon- sible for the checks and other items if there is a subsequent problem with them: • If we cash a check or other item for you or credit it to your account and it is not paid for any reason, we may charge your account for the amount of the check or other item, even if this causes your account to become overdrawn. • We may accept a check or other item for deposit to your account from anyone. We do not have to question the authority of the person making the deposit. • If your account is overdrawn, we may use the deposit to pay the overdraft and any fees you owe us. • All deposits are subject to our subsequent verification and adjustment, even if you have already withdrawn all or part of the deposit unless you can prove our determi- nation was erroneous. • We may refuse to accept for deposit to your account items payable to another person. • In receiving checks or other items for deposit or collection, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. We are not responsible for errors and delays made by others in the collection process. • Cash in a deposit. • If you give us cash that we later determine to be counterfeit, we may charge your account for the amount we determine to be counterfeit. • You will not knowingly deposit items into your account that do not have either a true original signature of the person on whose account it is drawn or an autho- rized mechanical reproduction of that person’s signature. Deposit Slips You should always use our per- sonalized deposit slips with your pre-printed name and account number. If you use a blank deposit slip from one of our branches, rather than your personalized deposit slip, we are not liable to you for errors that may result. Cashier’s Checks We cannot verify that mon- ey orders, cashier’s checks or similar items are authentic and valid at the time you ask us to cash them or accept them for deposit. If we cash, or accept for deposit, a money order, cashier’s check or similar item, and we later learn that the item is fraudulent, counterfeit or invalid for some other reason, we may charge your account for the amount of the item. This may occur even if we previously made the funds available to you, or it causes your account to become overdrawn. Foreign Items You should be especial...
