Common use of Check Cashing Clause in Contracts

Check Cashing. For anyone cashing a check, member or non-member, we will require that you provide proper identification (which may include a current photo ID) at the time of the transaction. If you refuse to provide identification or are unable to do so, we may decline to complete the transaction. Closing Your Account The owner on an Account may close the Account at any time. Your right to close an Account is subject to any statutory or contractual lien existing in our favor and any legal process levied against any such Account. We are not required to close your account at your request if you have pending transactions, the account is overdrawn, your account is subject to legal process (such as a garnishment, attachment, execution or levy) or any type of holds (such as collateral hold, decedent hold or deposit hold). In those cases, we will limit the types of transactions that you can make until pending transactions are paid or returned, the balance is no longer negative, and any legal restriction/hold has been released. The Credit Union may close an account if the balance drops below par value for a period of 90 days. The Credit Union may close an account due to inactivity in which the account no longer maintains a balance. A new account that is not properly funded within a 60-day period will be closed. After we restrict your account in preparation for closing, we will not pay any additional dividends on the account. We will have no liability for refusing to honor any check drawn on a closed account. We have the right to advise consumer reporting agencies and other third-party reporting agencies of accounts closed for misuse, such as overdrafts. After your account is closed, we have no obligation to accept deposits, but we may reopen your account if we receive a deposit. Generally, a closed account cannot be reopened. However, we may reopen your account after closing in certain instances, including, but not limited to, receipt of a dishonored/returned item or a preauthorized debit card transaction initiated on your account and not canceled prior to account closure. In these instances, you will be liable for any negative balance arising from these transactions as well as any associated fees incurred. Members closing out all accounts or accounts closed by the Credit Union will require members to requalify for membership and follow all required processes to open a new account. We will close your account when suspicious activity is detected during monitoring of transactions. We are not obligated to notify you when your account is restricted or closed due to suspicious activity or law enforcement action. We may send you written notice that we have closed or will close your account and return the balance less any fees, claims, setoffs or other amounts. This Agreement continues to apply to your account and issues related to your account even after it closes. Coin Processing Coin processing machines are located in solution center lobbies. A coin processing fee is assessed on the value of all coin presented for deposit, payment, or exchange, whether presented loose or rolled. Please refer to the Wellby Fee schedule for a listing of associated fees. Members are asked to make sure their coins are free from foreign objects, debris or other substances to protect the machines from damage. Wellby reserves the right to refuse the processing of any contaminated coin. We are not required to return any coins rejected by machines. Members are to use the machine in moderation. Consumer Reports and Other Inquiries We may make any inquiries that we consider appropriate to help us verify your identity and determine if we should open, maintain, collect, or close your account. This may include verification of employment and consumer reports or other reports from account information services other than consumer reporting agencies. If you ask, we will tell you whether we requested such a report and, if we did request the report, we will tell you the name, address and telephone number of the reporting agency.

Check Cashing. For anyone cashing a check, member or non-member, we will require that you provide proper identification (which may include a current photo ID) at the time of the transaction. If you refuse to provide identification or are unable to do so, we may decline to complete the transaction. Closing Your Account The owner on an Account may close the Account at any time. Your right to close an Account is subject to any statutory or contractual lien existing in our favor and any legal process levied against any such Account. We are not required to close your account at your request if you have pending transactions, the account is overdrawn, your account is subject to legal process (such as a garnishment, attachment, execution or levy) or any type of holds (such as collateral hold, decedent hold or deposit hold). In those cases, we will limit the types of transactions that you can make until pending transactions are paid or returned, the balance is no longer negative, and any legal restriction/hold has been released. The Credit Union may close an account if the balance drops below par value for a period of 90 days. The Credit Union may close an account due to inactivity in which the account no longer maintains a balance. A new account that is not properly funded within a 60-day period will be closed. After we restrict your account in preparation for closing, we will not pay any additional dividends on the account. We will have no liability for refusing to honor any check drawn on a closed account. We have the right to advise consumer reporting agencies and other third-party reporting agencies of accounts closed for misuse, such as overdrafts. After your account is closed, we have no obligation to accept deposits, but we may reopen your account if we receive a deposit. Generally, a closed account cannot be reopened. However, we may reopen your account after closing in certain instances, including, but not limited to, receipt of a dishonored/returned item or a preauthorized debit card transaction initiated on your account and not canceled prior to account closure. In these instances, you will be liable for any negative balance arising from these transactions as well as any associated fees incurred. Members closing out all accounts or accounts closed by the Credit Union will require members to requalify for membership and follow all required processes to open a new account. We will close your account when suspicious activity is detected during monitoring of transactions. We are not obligated to notify you when your account is restricted or closed due to suspicious activity or law enforcement action. We may send you written notice that we have closed or will close your account and return the balance less any fees, claims, setoffs or other amounts. This Agreement continues to apply to your account and issues related to your account even after it closes. Coin Processing Coin processing machines are located in solution center branch lobbies. A coin processing fee is assessed on the value of all coin presented for deposit, payment, or exchange, whether presented loose or rolled. Please refer to the Wellby Fee schedule for a listing of associated fees. Members are asked to make sure their coins are free from foreign objects, debris or other substances to protect the machines from damage. Wellby reserves the right to refuse the processing of any contaminated coin. We are not required to return any coins rejected by machines. Members are to use the machine in moderation. moderation Consumer Reports and Other Inquiries We may make any inquiries that we consider appropriate to help us verify your identity and determine if we should open, maintain, collect, or close your account. This may include verification of employment and consumer reports or other reports from account information services other than consumer reporting agencies. If you ask, we will tell you whether we requested such a report and, if we did request the report, we will tell you the name, address and telephone number of the reporting agency.

Check Cashing. For We may charge a fee for anyone that does not have an account with us who is cashing a check, member draft or non-memberother instrument written on your account. We may also require reasonable identification to cash such a check, draft or other instrument. We can decide what identification is reasonable under the circumstances and such identification may be documentary or physical and may include collecting a thumbprint or fingerprint. INDORSEMENTS - We may accept for deposit any item payable to you or your order, even if they are not indorsed by you. We may give cash back to any one of you. We may supply any missing indorsement(s) for any item we accept for deposit or collection, and you warrant that all indorsements are genuine. DEATH OR INCOMPETENCE - You agree to notify us promptly if any person with a right to withdraw funds from your account(s) dies or becomes legally incompetent. We may continue to honor your checks, items, and instructions until: (a) we are notified of your death or incompetence, and (b) we have had a reasonable opportunity to act on that knowledge. You agree that we may pay or certify checks drawn on or before the date of death or legal incompetence for up to ten (10) days after your death or legal incompetence unless ordered to stop payment by someone claiming an interest in the account. FIDUCIARY ACCOUNTS - Accounts may be opened by a person acting in a fiduciary capacity. A fiduciary is someone who is appointed to act on behalf of and for the benefit of another. This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement, or as executors, administrators, or conservators under court orders. You understand that by merely opening such an account, we are not acting in the capacity of a trustee in connection with the trust nor do we undertake any obligation to monitor or enforce the terms of the trust or letters. CREDIT VERIFICATION - You agree that we may verify credit and employment history by any necessary means, including preparation of a credit report by a credit reporting agency. We will comply with all applicable laws in this regard. LEGAL ACTIONS AFFECTING YOUR ACCOUNT - If we are served with a subpoena, restraining order, writ of attachment or execution, levy, garnishment, search warrant, or similar order relating to your account (termed “legal action” in this section), we will require comply with that you provide proper identification (which legal action. Or, in our discretion, we may include a current photo ID) at freeze the time assets in the account and not allow any payments out of the transactionaccount until a final court determination regarding the legal action. We may do these things even if the legal action involves less than all of you. In these cases, we will not have any liability to you if there are insufficient funds to pay your items because we have withdrawn funds from your account or in any way restricted access to your funds in accordance with the legal action. Any fees or expenses we incur in responding to any legal action (including, without limitation, attorneys’ fees and our internal expenses) may be charged against your account. The list of fees applicable to your account(s) provided elsewhere may specify additional fees that we may charge for certain legal actions. SECURITY - It is your responsibility to protect the account numbers and electronic access devices (e.g., an ATM card) we provide you for your account(s). Do not discuss, compare, or share information about your account number(s) with anyone unless you are willing to give them full use of your money. An account number can be used by thieves to encode your number on a false demand draft which looks like and functions like an authorized check. If you refuse furnish your access device and grant actual authority to provide identification make transfers to another person (a family member or coworker, for example) who then exceeds that authority, you are unable to do soliable for the transfers unless we have been notified that transfers by that person are no longer authorized. OTHER THAN IN WRITING INSTRUCTIONS - Unless required by law or we have agreed otherwise in writing, we may decline to complete the transaction. Closing Your Account The owner on an Account may close the Account at any time. Your right to close an Account is subject to any statutory or contractual lien existing in our favor and any legal process levied against any such Account. We are not required to close act upon instructions you give us via facsimile transmission, leave by voice mail or on a telephone answering machine, or via e-mail. CLAIM OF LOSS - If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your account at your request if you have pending transactionsaccount, the account is overdrawn, your account is subject to legal process (such as a garnishment, attachment, execution or levy) or any type of holds (such as collateral hold, decedent hold or deposit hold). In those cases, we will limit the types of transactions that you can make until pending transactions are paid or returned, the balance is no longer negativetransaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any legal restriction/hold has been releasedcriminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. The Credit Union may close an account if the balance drops below par value for We will have a reasonable period of 90 daystime to investigate the facts and circumstances surrounding any claim of loss. The Credit Union may close an account due to inactivity Unless we have acted in which the account no longer maintains a balance. A new account that is not properly funded within a 60-day period will be closed. After we restrict your account in preparation for closingbad faith, we will not pay any additional dividends be liable for special or consequential damages, including loss of profits or opportunity, or for attorneys’ fees incurred by you. EARLY WITHDRAWAL PENALTIES (and involuntary withdrawals) - We may impose early withdrawal penalties on a withdrawal from a time account even if you don’t initiate the withdrawal. For instance, the early withdrawal penalty may be imposed if the withdrawal is caused by our setoff against funds in the account or as a result of an attachment or other legal process. We may close your account and impose the early withdrawal penalty on the accountentire account balance in the event of a partial early withdrawal. See your notice of penalty for early withdrawals for additional information. ADDRESS OR NAME CHANGES - You are responsible for notifying us of any change in your address or your name. Unless we agree otherwise, change of address or name must be made in writing by at least one of the account holders. Informing us of your address or name change on a check reorder form is not sufficient. We will attempt to communicate with you only by use of the most recent address you have no liability for refusing provided to honor any check drawn on a closed accountus. We have the right to advise consumer reporting agencies and other third-party reporting agencies of accounts closed for misuse, such as overdrafts. After your account is closed, we have no obligation to accept deposits, but we may reopen your account if we receive a deposit. Generally, a closed account cannot be reopened. HoweverIf provided elsewhere, we may reopen impose a service fee if we attempt to locate you. RESOLVING ACCOUNT DISPUTES - We may place an administrative hold on the funds in your account after closing in certain instances, including, but (refuse payment or withdrawal of the funds) if it becomes subject to a claim adverse to (1) your own interest; (2) others claiming an interest as survivors or beneficiaries of your account; or (3) a claim arising by operation of law. The hold maybe placed for such period of time as we believe reasonably necessary to allow a legal proceeding to determine the merits of the claim or until we receive evidence satisfactory to us that the dispute has been resolved. We will not limited to, receipt of a dishonored/returned item or a preauthorized debit card transaction initiated on your account and not canceled prior to account closure. In these instances, you will be liable for any negative balance arising from items that are dishonored as a consequence of placing a hold on funds in your account for these transactions as well as reasons. WAIVER OF NOTICES - To the maximum extent permissible by law, you waive any associated fees incurred. Members closing out all accounts notice of non-payment, dishonor or accounts closed by the Credit Union will require members protest regarding any items credited to requalify for membership and follow all required processes to open a new or charged against your account. We will close your account when suspicious activity For example, if you deposit a check and it is detected during monitoring returned unpaid or we receive a notice of transactions. We are nonpayment, we do not obligated have to notify you when unless required by federal Regulation CC or other law. ACH AND WIRE TRANSFERS - This agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers as adopted in the state in which you have your account is restricted with us. If you originate a fund transfer and you identify by name and number a beneficiary financial institution, an intermediary financial institution or closed due a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to suspicious activity or law enforcement actionmake payment. We may send rely on the number even if it identifies a financial institution, person or account other than the one named. You agree to be bound by automated clearing house association rules. These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. If we do not receive such payment, we are entitled to a refund from you written notice that we have closed or will close your account and return in the balance less any fees, claims, setoffs or other amounts. This Agreement continues to apply amount credited to your account and issues related the party originating such payment will not be considered to your have paid the amount so credited. If we receive a payment order to credit an account even after it closes. Coin Processing Coin processing machines are located in solution center lobbies. A coin processing fee is assessed on the value of all coin presented for deposityou have with us by wire or ACH, payment, or exchange, whether presented loose or rolled. Please refer to the Wellby Fee schedule for a listing of associated fees. Members are asked to make sure their coins are free from foreign objects, debris or other substances to protect the machines from damage. Wellby reserves the right to refuse the processing of any contaminated coin. We we are not required to return give you any coins rejected by machinesnotice of the payment order or credit. Members are DIGITAL WALLETS - These include Apple Pay, Samsung Pay, Google Pay (G Pay) and MasterPass. The aforementioned “Wallets” “or Digital Wallets” allow you to use your First Command Bank Card to enter into transactions with merchants at any location the machine in moderationWallet is accepted. Consumer Reports and Other Inquiries We The Wallet may make any inquiries not be accepted at all places where your First Command Bank Card is accepted. CHECK PROCESSING POLICY - In the event that we consider appropriate to help us verify your identity and determine if we should open, maintain, collect, check is returned unpaid for insufficient or close your account. This may include verification of employment and consumer reports or other reports from account information services other than consumer reporting agencies. If you askuncollected funds, we will tell you whether we requested such a report and, if we did request the report, we will tell you the name, address and telephone number of the reporting agencymay present your check electronically. FIRST COMMAND DEBIT CARD AGREEMENT AND DISCLOSURE.

Check Cashing. For anyone cashing a check, member or non-member, we will require that you provide proper identification (which may include a current photo ID) at the time of the transaction. If you refuse to provide identification or are unable to do so, we may decline to complete the transaction. Closing Your Account The owner on an Account may close the Account at any time. Your right to close an Account is subject to any statutory or contractual lien existing in our favor and any legal process levied against any such Account. We are not required to close your account at your request if you have pending transactions, the account is overdrawn, your account is subject to legal process (such as a garnishment, attachment, execution or levy) or any type of holds (such as collateral hold, decedent hold or deposit hold). In those cases, we will limit the types of transactions that you can make until pending transactions are paid or returned, the balance is no longer negative, and any legal restriction/hold has been released. The Credit Union may close an account if the balance drops below par value for a period of 90 days. The Credit Union may close an account due to inactivity in which the account no longer maintains a balance. A new account that is not properly funded within a 60-day period will be closed. After we restrict your account in preparation for closing, we will not pay any additional dividends on the account. We will have no liability for refusing to honor any check drawn on a closed account. We have the right to advise consumer reporting agencies and other third-party reporting agencies of accounts closed for misuse, such as overdrafts. After your account is closed, we have no obligation to accept deposits, but we may reopen your account if we receive a deposit. Generally, a closed account cannot be reopened. However, we may reopen your account after closing in certain instances, including, but not limited to, receipt of a dishonored/returned item or a preauthorized debit card transaction initiated on your account and not canceled prior to account closure. In these instances, you will be liable for any negative balance arising from these transactions as well as any associated fees incurred. Members closing out all accounts or accounts closed by the Credit Union will require members to requalify for membership and follow all required processes to open a new account. We will close your account when suspicious activity is detected during monitoring of transactions. We are not obligated to notify you when your account is restricted or closed due to suspicious activity or law enforcement action. We may send you written notice that we have closed or will close your account and return the balance less any fees, claims, setoffs or other amounts. This Agreement continues to apply to your account and issues related to your account even after it closes. Coin Processing Coin processing machines are located in solution center branch lobbies. A coin processing fee is assessed on the value of all coin presented for deposit, payment, or exchange, whether presented loose or rolled. Please refer to the Wellby Fee schedule for a listing of associated fees. Members are asked to make sure their coins are free from foreign objects, debris or other substances to protect the machines from damage. Wellby reserves the right to refuse the processing of any contaminated coin. We are not required to return any coins rejected by machines. Members are to use the machine in moderation. Consumer Reports and Other Inquiries We may make any inquiries that we consider appropriate to help us verify your identity and determine if we should open, maintain, collect, or close your account. This may include verification of employment and consumer reports or other reports from account information services other than consumer reporting agencies. If you ask, we will tell you whether we requested such a report and, if we did request the report, we will tell you the name, address and telephone number of the reporting agency.