Depositing Funds to Your Account. You may deposit funds to your Account any time after your identity has been verified, subject to the limitations in this Agreement and the accompanying Fee Schedule. We may assess a fee for one or more of the deposit options described below. See the accompanying Fee Schedule for more details. There may also be a fee from the originating bank or a third party involved in the deposit process. We may, at our sole discretion, refuse to accept any deposit. Cash transfers will not be FDIC insured until we receive the funds even if we make the funds available to you prior to receipt thereof. We will give only provisional credit until collection is final for any items we accept for deposit. Before settlement of any item becomes final, we act only as your agent, regardless of the form of endorsement or lack of endorsement on the item and even though we provide you provisional credit for the item. We may reverse any provisional credit for items that are lost, stolen, or returned. If any item is returned unpaid, we will debit your Account and assess any other fee we pay or loss we incur and you are liable to us for all costs and expenses related to the collection of any amount from you. You authorize us to attempt to collect previously returned items without giving you notice, and in attempting to collect we may permit the payor bank to hold an item beyond the midnight deadline. Actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.S. dollars. See the disclosure titled "Your Ability to Withdraw Funds" provided to you for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. Funds may be deposited to your Account through the following means:
Depositing Funds to Your Account. AND FDIC INSURANCE You may deposit funds to your Account in the following ways and no other: Remote Check Capture You may use the Xxxxxx Remote Check Capture feature on your Xxxxxx App to convert paper checks to Direct Deposits to your Account. Please refer to your Xxxxxx’s Terms of Use for additional information on enabling this feature on your Xxxxxx App. Xxxxxx Remote Check Capture is the only available mean for depositing paper checks to your Account and you cannot make such deposits at an ATM.
