Common use of Deposits Generally Clause in Contracts

Deposits Generally. After you have established your Share Savings Account, you may make additional deposits into that account, or establish other types of accounts as described herein, at any time and in any amount. Accounts are not transferable except on the Credit Union’s books and records. We may establish minimum amounts for deposits in your Regular Shares Account or any other accounts you have with the credit union. You can make deposits in person, at certain ATMs, via mobile banking, and by mail. At the present time, you can arrange to have one or more of the following deposits made directly to your accounts: (1) net pay deposits, (3) Social Security deposits, (4) pension plan deposits, (5) stock dividends or (6) other miscellaneous deposits. If you have an automatic teller machine (ATM) card or a debit card, you can also make a deposit through one of the automated teller machines equipped to accept deposits. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If you have been given access to Keys FCU Online, you can also transfer funds from one account to another within this credit union and to accounts at other financial institutions via Keys EzPay. If you have arranged to have direct electronic fund transfer deposits made to your account, you can call us (305) 000- 0000 to find out whether or not the deposit has been made. In addition, you will receive an account statement showing all such direct deposits at least monthly. Your account statements will be admissible as evidence of the electronic fund transfer deposit or other transaction they represent in any action in a court of law. All deposits are subject to proof and verification. If you deposit a check, draft or other non-cash item, we have the right to clear it before we make the money available to you subject to applicable federal regulations. If there are special fees for collecting your deposit, you promise to pay them. We may deduct such fees directly from your account. If we feel there is a reason to do so, we may refuse, limit or return any deposit. We have the right to refuse to accept any deposit and we specifically reserve the right to refuse to accept checks for deposit that have more than one endorsement. We reserve the right not to pay interest on amounts subject to garnishment, levy or other legal process; and we reserve the right not to pay interest on any deposit that is returned to us unpaid by the financial institution on which it is drawn (even if that means a reversal of credited interest). All negotiable instruments presented for deposit must be in a format that can be processed and/or photographed. The Credit Union may refuse to accept any check or draft that does not meet this requirement. All endorsements placed on the reverse side of any check or draft which you deposit to your account must be placed so that they are on the left side of the item when looking at it from the front and must be placed so they do not go beyond an area located 1 and ½ inches from the left edge of the item when looking at it from the front. The Credit Union may refuse to accept any item that does not meet this requirement, and, if the credit union does accept it, you agree that you are completely responsible for any loss we incur which is premised on an endorsement not meeting this requirement, including any court costs and reasonable attorney fees.

Deposits Generally. After you have established your Regular Share Savings Account, you may make additional deposits into that account, or establish other types of accounts as described herein, at any time and in any amount. Accounts Your accounts are not transferable except on the Credit Union’s 's books and records. We may establish minimum amounts for deposits in your Regular Shares Account or any other accounts you have with the credit union. You can make deposits in person, at certain ATMs, via mobile banking, and electronically or by mail. At the present time, you can arrange to have one or more of the following deposits made directly to your accounts: (1) net pay deposits, (32) Social Security deposits, (43) pension plan deposits, (54) stock dividends or (65) other miscellaneous deposits. If you have an automatic teller machine (ATM) card or a debit ATM)/debit card, you can also make a deposit through one of the automated teller machines equipped to accept deposits. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If you have been given access to Keys FCU Onlinethe OU Federal Credit Union Telephone Audio Response System and/or our OU Federal Credit Union On-Line Banking Service, you can also transfer funds from one account to another within this credit union or, per product disclosure, between your accounts here and to accounts at your other financial institutions via Keys EzPayinstitutions. If you have arranged to have direct electronic fund transfer deposits made to your account, you can call us (305) 000- 0000 to find out whether or not the deposit has been mademade by calling us at (000) 000-0000 or utilizing the Credit Union audio response or online services. In addition, you will receive an account statement showing all such direct deposits at least monthly. Your account statements will be admissible as evidence of the electronic fund transfer deposit or other transaction they represent in any action in a court of law. All deposits are subject to proof and verification. If you deposit a check, draft or other non-cash item, we have the right to clear it before we make the money available to you subject to applicable federal regulations. If there are special fees for collecting your deposit, you promise to pay themthem (see the Truth in Savings Fee Schedule for a list of fees). We may deduct such fees directly from your account. If we feel there is a reason to do so, we may refuse, limit or return any deposit. We have the right to refuse to accept any deposit and we specifically reserve the right to refuse to accept checks for deposit that have more than one endorsement. We reserve the right not to pay interest dividends on amounts subject to garnishment, levy or other legal process; and we reserve the right not to pay interest dividends on any deposit that is returned to us unpaid by the financial institution on which it is drawn (even if that means a reversal of credited interestdividend). All negotiable instruments presented for deposit must be in a format that can be processed and/or photographed. The Credit Union may refuse to accept any check or draft that does not meet this requirement. All endorsements placed on the reverse side of any check or draft which you deposit to your account must be placed so that they are on the left side of the item when looking at it from the front and must be placed so they do not go beyond an area located 1 and ½ inches from the left edge of the item when looking at it from the front. The Credit Union may refuse to accept any item that does not meet this requirement, and, if the credit union does accept it, you agree that you are completely responsible for any loss we incur which is premised on an endorsement not meeting this requirement, including any court costs and reasonable attorney fees.

Deposits Generally. After you have established your Regular Share Savings Account, you may make additional deposits into that account, or establish other types of accounts as described herein, at any time and in any amount. Accounts Your accounts are not transferable except on the Credit Union’s 's books and records. We may establish minimum amounts for deposits in your Regular Shares Account or any other accounts you have with the credit union. You can make deposits in person, at certain ATMs, via mobile banking, and any manner approved by mailthe credit union. At the present time, you can arrange to have one or more of the following deposits made directly to your accounts: (1) payroll deduction deposits, (2) net pay deposits, (3) Social Security deposits, (4) pension plan deposits, (5) stock dividends or (6) other miscellaneous deposits. If you have an automatic teller machine (ATM) card or a debit card, you can also make a deposit through one of the automated teller machines equipped to accept deposits. If Deposits made by mail, at night depositories or at unstaffed facilities are not our responsibility until we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entityreceive them. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If you You have been given access to Keys FCU Online, the TellerPhone and/or our Greater Iowa OnlineServices; you can also transfer funds from one account to another within this credit union and to accounts at other financial institutions via Keys EzPay. another, If you have arranged to have direct electronic fund transfer deposits made to your account, you can check your account online or call us TellerPhone at (305000) 000- 000-0000 to find out whether or not the deposit has been made. In addition, you will receive an account statement showing all such direct deposits at least monthly. Your account statements will be admissible as evidence of the electronic fund transfer deposit or other transaction they represent in any action in a court of law. All deposits are subject to proof and verification. If you deposit a check, draft or other non-cash item, we have the right to clear it before we make the money available to you subject to applicable federal regulations. If there are special fees for collecting your deposit, you promise to pay themthem (see the Truth in Savings Disclosure and Greater Iowa Credit Union Fee Schedule for a list of fees). We may deduct such fees directly from your account. If we feel there is a reason to do so, we may refuse, limit or return any deposit. We have the right to refuse to accept any deposit and we specifically reserve the right to refuse to accept checks for deposit that have more than one endorsement. We reserve the right not to pay interest on amounts subject to garnishment, levy or other legal process; and we reserve the right not to pay interest on any deposit that is returned to us unpaid by the financial institution on which it is drawn (even if that means a reversal of credited interest). All negotiable instruments presented for deposit must be in a format that can be processed and/or photographed. The Credit Union may refuse to accept any check or draft that does not meet this requirement. All endorsements placed place on the reverse side of any check or draft which you deposit to your account must be placed so that they are on the left side of the item when looking at it from the front and must be placed so they do not go beyond an area located 1 and ½ inches from the left edge of the item when looking at it from the front. The Credit Union may refuse to accept any item that does not meet this requirement, and, if the credit union does accept it, you agree that you are completely responsible for any loss we incur which is premised on an endorsement not meeting this requirement, including any court costs and reasonable attorney fees. We may accept transfers, checks, share drafts and other items for deposit into any of your accounts if they are made payable to one or more of the account owners even if they are not endorsed by all payees. You authorize Greater Iowa to supply missing endorsements of any owners if we choose to do so. If a check, draft or item is payable to two or more persons and it is ambiguous as to whether it is payable to either or both, we may process the check, draft, or item as payable to either person. We may require endorsements as set forth on any item such as insurance, government, or other checks. Withdrawing Money from Your Account. As long as you have money in an account, and subject to any applicable state or federal laws and regulations and any specific terms of this Agreement, money can be withdrawn from your accounts by any method approved by the Credit Union (e.g. at an ATM machine, in person, by mail, Internet access, automatic transfer, or telephone, as applicable). We may return as unpaid any check or draft drawn on a form we do not provide. You are responsible for any loss we acquire handling such item. We are entitled to review and approve or any form of power of attorney and may restrict account withdrawals or transfers. We are under no obligation to honor any power of attorney.

Deposits Generally. After you have established your Regular Share Savings Account, you may make additional deposits into that account, or establish other types of accounts as described herein, at any time and in any amount. Accounts Your accounts are not transferable except on the Credit Union’s 's books and records. We may establish minimum amounts for deposits in your Regular Shares Account or any other accounts you have with the credit union. You can make deposits in person, at certain ATMs, via mobile banking, and electronically or by mail. At the present time, you can arrange to have one or more of the following deposits made directly to your accounts: (1) net pay deposits, (32) Social Security deposits, (43) pension plan deposits, (54) stock dividends or (65) other miscellaneous deposits. If you have an automatic teller machine (ATM) card or a debit ATM)/debit card, you can also make a deposit through one of the automated teller machines equipped to accept deposits. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If you have been given access to Keys FCU Onlinethe OU Federal Credit Union Telephone Audio Response System and/or our OU Federal Credit Union On-Line Banking Service, you can also transfer funds from one account to another within this credit union or, per product disclosure, between your accounts here and to accounts at your other financial institutions via Keys EzPayinstitutions. If you have arranged to have direct electronic fund transfer deposits made to your account, you can call us (305) 000- 0000 to find out whether or not the deposit has been mademade by calling us at (000) 000-0000 or utilizing the Credit Union audio response or online services. In addition, you will receive an account statement showing all such direct deposits at least monthly. Your account statements will be admissible as evidence of the electronic fund transfer deposit or other transaction they represent in any action in a court of law. All deposits are subject to proof and verification. If you deposit a check, draft or other non-cash item, we have the right to clear it before we make the money available to you you, subject to applicable federal regulations. If there are special fees for collecting your deposit, you promise to pay themthem (see the Truth in Savings Fee Schedule for a list of fees). We may deduct such fees directly from your account. If we feel there is a reason to do so, we may refuse, limit limit, or return any deposit. We have the right to refuse to accept any deposit and we specifically reserve the right to refuse to accept checks for deposit that have more than one endorsement. We reserve the right not to pay interest dividends on amounts subject to garnishment, levy levy, or other legal process; and we reserve the right not to pay interest dividends on any deposit that is returned to us unpaid by the financial institution on which it is drawn (even if that means a reversal of credited interestdividend). All negotiable instruments presented for deposit must be in a format that can be processed and/or photographed. The Credit Union may refuse to accept any check or draft that does not meet this requirement. All endorsements placed on the reverse side of any check or draft which you deposit to your account must be placed so that they are on the left side of the item when looking at it from the front and must be placed so they do not go beyond an area located 1 and ½ inches from the left edge of the item when looking at it from the front. The Credit Union may refuse to accept any item that does not meet this requirement, and, if the credit union does accept it, you agree that you are completely responsible for any loss we incur which is premised on an endorsement not meeting this requirement, including any court costs and reasonable attorney fees.

Deposits Generally. After you have established your Regular Share Savings Account, you may make additional deposits into that account, or establish other types of accounts as described herein, at any time and in any amount. Accounts Your accounts are not transferable except on the Credit Union’s 's books and records. We may establish minimum amounts for deposits in your Regular Shares Account or any other accounts you have with the credit union. You can make deposits in person, at certain ATMs, via mobile banking, and person or by mail. At the present time, you can arrange to have one or more of the following deposits made directly to your accounts: (1) payroll deduction deposits, (2) net pay deposits, (3) Social Security deposits, (4) pension plan deposits, (5) stock dividends or (6) other miscellaneous deposits. If you have an automatic teller machine (ATM) card or a debit card, you can also make a deposit through one of the automated teller machines equipped to accept deposits. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If you have applied for and been given access to Keys FCU Onlineour Online Banking system, you can also transfer funds from one account to another within this credit union and to accounts at other financial institutions via Keys EzPayanother. If you have arranged to have direct electronic fund transfer deposits made to your accountaccount at least once every 60 days from the same person or company, you can call us the Credit Union at (305000) 000- 000-0000 to find out whether or not the deposit has been made. In addition, you will receive an account statement showing all such direct deposits at least monthly. Your account statements will be admissible as evidence of the electronic fund transfer deposit or other transaction they represent in any action in a court of law. All deposits are subject to proof and verification. If you deposit a check, draft or other non-cash item, we have the right to clear it before we make the money available to you subject to applicable federal regulations. If there are special fees for collecting your deposit, you promise to pay themthem (see the Truth in Savings Fee Schedule for a list of fees). We may deduct such fees directly from your account. If we feel there is a reason to do so, we may refuse, limit or return any deposit. We have the right to refuse to accept any deposit and we specifically reserve the right to refuse to accept checks for deposit that have more than one endorsement. We reserve the right not to pay interest on amounts subject to garnishment, levy or other legal process; and we reserve the right not to pay interest on any deposit that is returned to us unpaid by the financial institution on which it is drawn (even if that means a reversal of credited interest). All negotiable instruments presented for deposit must be in a format that can be processed and/or photographed. The Credit Union may refuse to accept any check or draft that does not meet this requirement. All endorsements placed on the reverse side of any check or draft which you deposit to your account must be placed so that they are on the left side of the item when looking at it from the front and must be placed so they do not go beyond an area located 1 and ½ inches from the left edge of the item when looking at it from the front. The Credit Union may refuse to accept any item that does not meet this requirement, and, if the credit union does accept it, you agree that you are completely responsible for any loss we incur which is premised on an endorsement not meeting this requirement, including any court costs and reasonable attorney fees. Withdrawing Money from Your Account. As long as you have money in an account, and subject to any applicable state or federal laws and regulations and any specific terms of this Agreement, money can be withdrawn from your accounts by any method approved by the Credit Union.

Deposits Generally. After you have established your Regular Share Savings Account, you may make additional deposits into that account, or establish other types of accounts as described herein, at any time and in any amount. Accounts Your accounts are not transferable except on the Credit Union’s 's books and records. We may establish minimum amounts for deposits in your Regular Shares Account or any other accounts you have with the credit union. You can make deposits in person, at certain ATMs, via mobile banking, and any manner approved by mailthe credit union. At the present time, you can arrange to have one or more of the following deposits made directly to your accounts: (1) payroll deduction deposits, (2) net pay deposits, (3) Social Security deposits, (4) pension plan deposits, (5) stock dividends or (6) other miscellaneous deposits. If you have an automatic teller machine (ATM) card or a debit card, you can also make a deposit through one of the automated teller machines equipped to accept deposits. If Deposits made by mail, at night depositories or at unstaffed facilities are not our responsibility until we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entityreceive them. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If you You have been given access to Keys FCU Online, the TellerPhone and/or our Greater Iowa Online Services; you can also transfer funds from one account to another within this credit union and to accounts at other financial institutions via Keys EzPay. another, If you have arranged to have direct electronic fund transfer deposits made to your account, you can check your account online or call us TellerPhone at (305000) 000- 000-0000 to find out whether or not the deposit has been made. In addition, you will receive an account statement showing all such direct deposits at least monthly. Your account statements will be admissible as evidence of the electronic fund transfer deposit or other transaction they represent in any action in a court of law. All deposits are subject to proof and verification. If you deposit a check, draft or other non-cash item, we have the right to clear it before we make the money available to you subject to applicable federal regulations. If there are special fees for collecting your deposit, you promise to pay themthem (see the Truth in Savings Disclosure and Greater Iowa Credit Union Fee Schedule for a list of fees). We may deduct such fees directly from your account. If we feel there is a reason to do so, we may refuse, limit or return any deposit. We have the right to refuse to accept any deposit and we specifically reserve the right to refuse to accept checks for deposit that have more than one endorsement. We reserve the right not to pay interest on amounts subject to garnishment, levy or other legal process; and we reserve the right not to pay interest on any deposit that is returned to us unpaid by the financial institution on which it is drawn (even if that means a reversal of credited interest). All negotiable instruments presented for deposit must be in a format that can be processed and/or photographed. The Credit Union may refuse to accept any check or draft that does not meet this requirement. All endorsements placed place on the reverse side of any check or draft which you deposit to your account must be placed so that they are on the left side of the item when looking at it from the front and must be placed so they do not go beyond an area located 1 and ½ inches from the left edge of the item when looking at it from the front. The Credit Union may refuse to accept any item that does not meet this requirement, and, if the credit union does accept it, you agree that you are completely responsible for any loss we incur which is premised on an endorsement not meeting this requirement, including any court costs and reasonable attorney fees. We may accept transfers, checks, share drafts and other items for deposit into any of your accounts if they are made payable to one or more of the account owners even if they are not endorsed by all payees. You authorize Greater Iowa to supply missing endorsements of any owners if we choose to do so. If a check, draft or item is payable to two or more persons and it is ambiguous as to whether it is payable to either or both, we may process the check, draft, or item as payable to either person. We may require endorsements as set forth on any item such as insurance, government, or other checks. Withdrawing Money from Your Account. As long as you have money in an account, and subject to any applicable state or federal laws and regulations and any specific terms of this Agreement, money can be withdrawn from your accounts by any method approved by the Credit Union (e.g. at an ATM machine, in person, by mail, Internet access, automatic transfer, or telephone, as applicable). We may return as unpaid any check or draft drawn on a form we do not provide. You are responsible for any loss we acquire handling such item. We are entitled to review and approve or any form of power of attorney and may restrict account withdrawals or transfers. We are under no obligation to honor any power of attorney.

Deposits Generally. After you have established your Regular Share Savings Account, you may make additional deposits into that account, or establish other types of accounts as described herein, at any time and in any amount. Accounts Your accounts are not transferable except on the Credit Union’s 's books and records. We may establish minimum amounts for deposits in your Regular Shares Account or any other accounts you have with the credit union. You can make deposits in person, at certain ATMs, via mobile banking, and person or by mail. At the present time, you can arrange to have one or more of the following deposits made directly to your accounts: (1) payroll deduction deposits, (2) net pay deposits, (3) Social Security deposits, (4) pension plan deposits, (5) stock dividends or (6) other miscellaneous deposits. If you have an automatic teller machine (ATM) card or a debit card, you can also make a deposit through one of the automated teller machines equipped to accept deposits. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If you have been given access to Keys FCU Online, you can also transfer funds from one account to another within this credit union and to accounts at other financial institutions via Keys EzPay. If you have arranged to have direct electronic fund transfer deposits made to your account, you can call us (305) 000- at 000-000-0000 to find out whether or not the deposit has been made. In addition, you will receive an account statement showing all such direct deposits at least monthly. Your account statements will be admissible as evidence of the electronic fund transfer deposit or other transaction they represent in any action in a court of law. All deposits are subject to proof and verification. If you deposit a check, draft or other non-cash item, we have the right to clear it before we make the money available to you subject to applicable federal regulations. If there are special fees for collecting your deposit, you promise to pay themthem (see the Truth in Savings Fee Schedule for a list of fees). We may deduct such fees directly from your account. If we feel there is a reason to do so, we may refuse, limit or return any deposit. We have the right to refuse to accept any deposit and we specifically reserve the right to refuse to accept checks for deposit that have more than one endorsement. We reserve the right not to pay interest on amounts subject to garnishment, levy or other legal process; and we reserve the right not to pay interest on any deposit that is returned to us unpaid by the financial institution on which it is drawn (even if that means a reversal of credited interest). All negotiable instruments presented for deposit must be in a format that can be processed and/or photographed. The Credit Union may refuse to accept any check or draft that does not meet this requirement. All endorsements placed place on the reverse side of any check or draft which you deposit to your account must be placed so that they are on the left side of the item when looking at it from the front and must be placed so they do not go beyond an area located 1 and ½ inches from the left edge of the item when looking at it from the front. The Credit Union may refuse to accept any item that does not meet this requirement, and, if the credit union does accept it, you agree that you are completely responsible for any loss we incur which is premised on an endorsement not meeting this requirement, including any court costs and reasonable attorney fees. Withdrawing Money from Your Account. As long as you have available funds in an account, and subject to any applicable state or federal laws and regulations and any specific terms of this Agreement, money can be withdrawn from your accounts by any method approved by the Credit Union.

Deposits Generally. After you have established your Regular Share Savings Account, you may make additional deposits into that account, or establish other types of accounts as described herein, at any time and in any amount. Accounts Your accounts are not transferable except on the Credit Union’s 's books and records. We may establish minimum amounts for deposits in your Regular Shares Account or any other accounts you have with the credit union. You can make deposits in person, at certain ATMs, via mobile banking, and person or by mail. At the present time, you can arrange to have one or more of electronic deposits into the following deposits made directly to your accounts: (1) net pay deposits, (3) Social Security deposits, (4) pension plan deposits, (5) stock dividends or (6) other miscellaneous depositsaccount. If you have an automatic teller machine (ATM) card or a debit card, you can also make a deposit through one of the automated teller machines equipped to accept deposits. If we deposit any funds into your the account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your the account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your the account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If you have been given access to Keys FCU Onlinethe OU Federal Credit Union Telephone Audio Response System and/or our OU Federal Credit Union On­Line Banking Service, you can also transfer funds from one between account to another types within this credit union and to accounts at other financial institutions via Keys EzPayunion. If you have arranged to have direct electronic fund transfer deposits made to your the account, you can call us at (305405) 000- 0000 325­2211 to find out whether or not the deposit has been made. In addition, you will receive an account statement showing all such direct deposits at least monthly. Your account Account statements will be admissible as evidence of the electronic fund transfer deposit or other transaction transactions they represent in any action in a court of law. All deposits are subject to proof and verification. If you deposit a check, draft or other non-cash non­cash item, we have the right to clear it before we make the money available to you subject to applicable federal regulations. If there are special fees for collecting your depositdeposits, you promise to pay them. We may deduct such fees directly from your the account. If we feel there is a reason to do so, we may refuse, limit or return any deposit. We have the right to refuse to accept any deposit and we specifically reserve the right to refuse to accept checks for deposit that have more than one endorsement. We reserve the right not to pay interest on amounts subject to garnishment, levy or other legal process; and we reserve the right not to pay interest on any deposit that is returned to us unpaid by the financial institution on which it is drawn (even if that means a reversal of credited interest). All negotiable instruments presented for deposit must be in a format that can be processed and/or photographed. The Credit Union may refuse to accept any check or draft that does not meet this requirement. All endorsements placed place on the reverse side of any check or draft which you deposit to your account must be placed so that they are on the left side of the item when looking at it from the front and must be placed so they do not go beyond an area located 1 and ½ inches from the left edge of the item when looking at it from the front. The Credit Union may refuse to accept any item that does not meet this requirement, and, if the credit union does accept it, you agree that you are completely responsible for any loss we incur which is premised on an endorsement not meeting this requirement, including any court costs and reasonable attorney fees. Only checks or drafts that are payable to the organization should be deposited to the account. Checks or drafts payable to the organization should be endorsed with only the name of the organization and ‘For Deposit Only’. A stamp containing this verbiage may be used for endorsements. No authorized signer’s signature should appear in the endorsement.

Deposits Generally. After you have established your Regular Business Share Savings Account, you may make additional deposits into that account, or establish other types of accounts as described herein, at any time and in any amount. Accounts Your accounts are not transferable except on the Credit Union’s 's books and records. We may establish minimum amounts for deposits in your Regular Business Shares Account or any other accounts you have with the credit union. You can make business deposits in person, at certain ATMs, via mobile banking, and person or by mail. You must make these requests in writing by completing a separate request. At the present time, you can arrange to have one or more of the following deposits made directly to your accounts: (1) payroll deduction deposits, (2) net pay deposits, (3) Social Security deposits, (4) pension plan deposits, (5) stock dividends or (6) other miscellaneous deposits. If you have an automatic teller machine (ATM) card or a debit cardcard for your business account, you can also make a deposit through one of the automated teller machines equipped to accept deposits. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If you have been given access to Keys FCU Online, you can also transfer funds from one account to another within this credit union and to accounts at other financial institutions via Keys EzPay. If you have arranged to have direct electronic fund transfer deposits made to your account, you can call us (305) 000- 0000 at 000.000.0000 to find out whether or not the deposit has been made. In addition, you will receive an account statement showing all such direct deposits at least monthly. Your account statements will be admissible as evidence of the electronic fund transfer deposit or other transaction they represent in any action in a court of law. All deposits into any credit union account are subject to proof and verification. If you deposit a check, draft or other non-cash item, we have the right to clear it before we make the money available to you subject to applicable federal regulations. If there are special fees for collecting your deposit, you promise to pay themthem (see the Truth in Savings Fee Schedule for a list of fees). We may deduct such fees directly from your account. If we feel there is a reason to do so, we may refuse, limit or return any deposit. We have the right to refuse to accept any deposit and we specifically reserve the right to refuse to accept checks for deposit that have more than one endorsement. We reserve the right not to pay interest on amounts subject to garnishment, levy or other legal process; and we reserve the right not to pay interest on any deposit that is returned to us unpaid by the financial institution on which it is drawn (even if that means a reversal of credited interest). All negotiable instruments presented for deposit must be in a format that can be processed and/or photographed. The Credit Union may refuse to accept any check or draft that does not meet this requirement. All endorsements placed place on the reverse side of any check or draft which you deposit to your account must be placed so that they are on the left side of the item when looking at it from the front and must be placed so they do not go beyond an area located 1 and ½ inches from the left edge of the item when looking at it from the front. The Credit Union may refuse to accept any item that does not meet this requirement, and, if the credit union does accept it, you agree that you are completely responsible for any loss we incur which is premised on an endorsement not meeting this requirement, including any court costs and reasonable attorney fees. You warrant that all endorsements on any check or other negotiable instrument deposited into an account is authentic and without recourse. Withdrawing Money from Your Business Share Draft Account. As long as you have money in your Business Share Draft Account, and subject to any applicable state or federal laws and regulations, available funds can be withdrawn from your account by written draft or any other method approved by the Credit Union. Business Share drafts must generally be ordered through the Credit Union. If share drafts are not ordered through the Credit Union, the Credit Union will assess a fee whenever problems in clearing such drafts in an automated fashion arise. When you order share drafts through the Credit Union, the Credit Union will charge your business account for the costs of said business share drafts, which costs vary depending on the style of business drafts ordered. You may select business drafts from the current styles available.

Deposits Generally. After you have established your Regular Share Savings Account, you may make additional deposits into that account, or establish other types of accounts as described herein, at any time and in any amount. Accounts Your accounts are not transferable except on the Credit Union’s 's books and records. We may establish minimum amounts for deposits in your Regular Shares Account or any other accounts you have with the credit union. You can make deposits in person, at certain ATMselectronically, via mobile banking, and or by mail. At the present time, you can arrange to have one or more of the following deposits made directly to your accounts: (1) payroll deduction deposits, (2) net pay deposits, (3) Social Security deposits, (4) pension plan deposits, (5) stock dividends or (6) other miscellaneous deposits. If you have an automatic teller machine (ATM) card or a debit card, you can also make a deposit through one of the automated teller machines (ATMs) equipped to accept deposits. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee scheduleFee Schedule. If you have been given access to Keys FCU Onlinethe Ideal Credit Union Digital Banking Service, you can also transfer funds from one account to another within this credit union and to accounts at other financial institutions via Keys EzPayunion. If you have arranged to have direct electronic fund transfer deposits made to your account, you can call us at (305000) 000- 000-0000 or 000-000-0000 to find out whether or not the deposit has been made. In addition, you will receive an account statement showing all such direct deposits at least monthly. Your account statements will be admissible as evidence of the electronic fund transfer deposit or other transaction they represent in any action in a court of law. All deposits are subject to proof and verification. If you deposit a check, draft or other non-cash item, we have the right to clear it before we make the money available to you subject to applicable federal regulations. If there are special fees for collecting your deposit, you promise to pay themthem (see our Fee Schedule for a list of fees). We may deduct such fees directly from your account. If we feel there is a reason to do so, we may refuse, limit or return any deposit. We have the right to refuse to accept any deposit and we specifically reserve the right to refuse to accept checks for deposit that have more than one endorsement. We reserve the right not to pay interest on amounts subject to garnishment, levy or other legal process; and we reserve the right not to pay interest on any deposit that is returned to us unpaid by the financial institution on which it is drawn (even if that means a reversal of credited interest). All negotiable instruments presented for deposit must be in a format that can be processed and/or photographed. The Credit Union may refuse to accept any check or draft that does not meet this requirement. All endorsements placed on the reverse side of any check or draft which you deposit to your account must be placed so that they are on the left side of the item when looking at it from the front and must be placed so they do not go beyond an area located 1 and ½ inches from the left edge of the item when looking at it from the front. The Credit Union may refuse to accept any item that does not meet this requirement, and, if the credit union does accept it, you agree that you are completely responsible for any loss we incur which is premised on an endorsement not meeting this requirement, including any court costs and reasonable attorney fees.

Deposits Generally. After you have established your Share Savings Account, you may make additional deposits into that accountyour Share Account, or establish other types of accounts as described herein, at any time and in any amounttime. Accounts are The amount is not transferable except on the Credit Union’s books and records. We may establish minimum amounts for deposits in your Regular Shares Share Account or any other accounts you have with the credit unionsavings accounts. You can make deposits in person, at certain ATMs, via mobile banking, and person or by mail. At the present time, you can also arrange to have one or more of the following deposits made directly to your accountsshare/deposit accounts in accordance with the terms and conditions of each account: (1) payroll deduction deposits, (2) net pay deposits, (3) Social Security deposits, (4) pension plan deposits, (5) stock dividends or (6) other miscellaneous deposits. If you have an automatic automated teller machine (ATM) card or a debit cardVISA® Check Card, you can also make a deposit through one of the automated teller machines equipped to accept your deposits. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If you have been given access to Keys FCU Online, you can also transfer funds from one account to another within this credit union and to accounts at other financial institutions via Keys EzPay. If you have arranged to have direct electronic fund transfer deposits made to your account, you can call us (305) 000- 0000 to find out whether or not the deposit has been made. In addition, you will receive an account statement showing all such direct deposits at least monthly. Your account statements will be admissible as evidence of the electronic fund transfer deposit or other transaction they represent in any action in a court of law. All deposits are subject to proof and verification. If you deposit a check, draft or other non-cash item, we have the right to clear it before we make the money available to you subject to applicable federal regulations. (See the Funds Availability notice under Regulation CC regarding this.) If there are special fees for collecting your deposit, you promise to pay them. We may deduct such fees them directly from your account. If we feel there is a reason to do soreason, we may refuse, limit or return any deposit. We have the right to refuse to accept any deposit and we specifically reserve the right to refuse to accept checks for deposit that have more than one endorsement. We reserve the right not to pay interest on amounts subject to garnishment, levy or other legal process; and we reserve the right not to pay interest on any deposit that is returned to us unpaid by the financial institution on which it is drawn (even if that means a reversal of credited interest). When you endorse any item, your endorsement is a guaranty by you to us and all others who accept the item endorsed that the item you deposit is good; that the funds are properly payable; and you give other warranties under applicable laws. This means that if the item is not good or is not paid for any reason, you are fully responsible to us or any other person for the amount of the item. Compounding and Crediting. Dividends will be compounded, credited and paid quarterly. For example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is March 31. All negotiable instruments presented for deposit must be other dividend periods follow this same pattern of dates. Balance Computation Method. Interest is calculated by the daily balance method, which applies a daily periodic rate to the balance in a format that can be processed and/or photographedthe account each day. Minimum Balance Requirements. The Credit Union may refuse minimum balance required to accept any check or draft that does not meet this requirementopen and maintain a Share Account is $5.00, a par value share in the credit union. All endorsements placed Accrual of Interest on Non-Cash Deposits. Interest will begin to accrue on the reverse side of any check or draft which business day you deposit non-cash items (e.g. checks) to your account must be placed so that they are on the left side of the item when looking at it from the front and must be placed so they do account. Transaction Limitations. During any calendar month, you may not go beyond an area located 1 and ½ inches from the left edge of the item when looking at it from the front. The Credit Union may refuse make more than six withdrawals or transfers to accept any item that does not meet this requirement, and, if the another credit union does accept itaccount of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order (including Internet/Mobile banking) or instruction. If you exceed the transfer limitations set forth above in any month, you agree that you are completely responsible for any loss we incur which is premised on an endorsement not meeting this requirement, including any court costs and reasonable attorney feesyour account will be subject to closure by the Credit Union.

Deposits Generally. After you have established your Regular Share Savings Account, you may make additional deposits into that account, or establish other types of accounts as described herein, at any time and in any amount. Accounts Your accounts are not transferable except on the Credit Union’s 's books and records. We may establish minimum amounts for deposits in any of your Regular Shares Account Share Saving Accounts or any other accounts you have with the credit union. You can make deposits in person, at certain ATMs, via mobile banking, and person or by mail. At the present time, you can arrange to have one or more of the following deposits made directly to your accounts: (1) payroll deduction deposits, (2) net pay deposits, (3) Social Security deposits, (4) pension plan deposits, (5) stock dividends or (6) other miscellaneous deposits. If you have an automatic teller machine (ATM) card or a debit card, you can also make a deposit through one of the automated teller machines equipped to accept deposits. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If you have been given access to Keys FCU Onlinethe Credit Union ‘s Mobi-Money and/or Home Banking Service, you can also transfer funds from one share or account to another within this credit union and to accounts at other financial institutions via Keys EzPayunion. If you have arranged to have direct electronic fund transfer deposits made to your account, you can call us (305) 000- at 000-000-0000 to find out whether or not the deposit has been made. In addition, you will receive an account statement showing all such direct deposits at least monthly. Your account statements will be admissible as evidence of the electronic fund transfer deposit or other transaction they represent in any action in a court of law. All deposits are subject to proof and verification. If you deposit a check, draft or other non-cash item, we have the right to clear it before we make the money available to you subject to applicable federal regulations. If there are special fees for collecting your deposit, you promise to pay themthem (see the Truth in Savings Fee Schedule for a list of fees). We may deduct such fees directly from your account. If we feel there is a reason to do so, we may refuse, limit or return any deposit. We have the right to refuse to accept any deposit and we specifically reserve the right to refuse to accept checks for deposit that have more than one endorsement. We reserve the right not to pay interest on amounts subject to garnishment, levy or other legal process; and we reserve the right not to pay interest on any deposit that is returned to us unpaid by the financial institution on which it is drawn (even if that means a reversal of credited interest). All negotiable instruments presented for deposit must be in a format that can be processed and/or photographed. The Credit Union may refuse to accept any check or draft that does not meet this requirement. All endorsements placed on the reverse side of any check or draft which you deposit to your account must be placed so that they are on the left side of the item when looking at it from the front and must be placed so they do not go beyond an area located 1 and ½ inches from the left edge of the item when looking at it from the front. The Credit Union may refuse to accept any item that does not meet this requirement, and, if the credit union does accept it, you agree that you are completely responsible for any loss we incur which is premised on an endorsement not meeting this requirement, including any court costs and reasonable attorney fees. Withdrawing Money from Your Account. As long as you have money in an account, and subject to any applicable state or federal laws and regulations and any specific terms of this Agreement, money can be withdrawn from your accounts by any method approved by the Credit Union.

Deposits Generally. After you have established your Share Savings Account, you may make additional deposits into that account, or establish other types of accounts as described herein, at any time and in any amount. Accounts are not transferable except on the Credit Union’s books and records. We may establish minimum amounts for deposits in your Regular Shares Account or any other accounts you have with the credit union. You can make deposits in person, at certain ATMs, via mobile banking, and by mail. At the present time, you can arrange to have one or more of the following deposits made directly to your accounts: (1) net pay deposits, (3) Social Security deposits, (4) pension plan deposits, (5) stock dividends or (6) other miscellaneous deposits. If you have an automatic teller machine (ATM) card or a debit card, you can also make a deposit through one of the automated teller machines equipped to accept deposits. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. Membership - Terms & Conditions - Account Agreement If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If you have been given access to Keys FCU Online, you can also transfer funds from one account to another within this credit union and to accounts at other financial institutions via Keys EzPay. If you have arranged to have direct electronic fund transfer deposits made to your account, you can call us (305000) 000- 000-0000 to find out whether or not the deposit has been made. In addition, you will receive an account statement showing all such direct deposits at least monthly. Your account statements will be admissible as evidence of the electronic fund transfer deposit or other transaction they represent in any action in a court of law. All deposits are subject to proof and verification. If you deposit a check, draft draft, or other non-cash item, we have the right to clear it before we make the money available to you subject to applicable federal regulations. If there are special fees for collecting your deposit, you promise to pay them. We may deduct such fees directly from your account. If we feel there is a reason to do so, we may refuse, limit limit, or return any deposit. We have the right to refuse to accept any deposit and we specifically reserve the right to refuse to accept checks for deposit that have more than one endorsement. We reserve the right not to pay interest on amounts subject to garnishment, levy levy, or other legal process; and we reserve the right not to pay interest on any deposit that is returned to us unpaid by the financial institution on which it is drawn (even if that means a reversal of credited interest). All negotiable instruments presented for deposit must be in a format that can be processed and/or photographed. The Credit Union may refuse to accept any check or draft that does not meet this requirement. All endorsements placed on the reverse side of any check or draft which you deposit to your account must be placed so that they are on the left side of the item when looking at it from the front and must be placed so they do not go beyond an area located 1 and ½ inches from the left edge of the item when looking at it from the front. The Credit Union may refuse to accept any item that does not meet this requirement, and, if the credit union does accept it, you agree that you are completely responsible for any loss we incur which is premised on an endorsement not meeting this requirement, including any court costs and reasonable attorney fees.

Deposits Generally. After you have established your Regular Share Savings Account, you may make additional deposits into that account, or establish other types of accounts as described herein, at any time and in any amount. Accounts Your accounts are not transferable except on the Credit Union’s 's books and records. We may establish minimum amounts for deposits in your Regular Shares Account or any other accounts you have with the credit union. You can make deposits in person, at certain ATMs, via mobile banking, and person or by mail. At the present time, you can arrange to have one or more of electronic deposits into the following deposits made directly to your accounts: (1) net pay deposits, (3) Social Security deposits, (4) pension plan deposits, (5) stock dividends or (6) other miscellaneous depositsaccount. If you have an automatic teller machine (ATM) card or a debit card, you can also make a deposit through one of the automated teller machines equipped to accept deposits. If we deposit any funds into your the account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your the account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your the account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If we deposit any funds into your account(s) by direct deposit, which should have been returned to the State or Federal Government for any reason, you authorize us to charge your account for the amount of those funds and return the funds to the issuing governmental entity. We may charge your account without providing prior notice, unless otherwise required by law, and return the funds to the issuing party. We may also charge your account for this type of transaction if so disclosed on our fee schedule. If you have been given access to Keys FCU Onlinethe OU Federal Credit Union Telephone Audio Response System and/or our OU Federal Credit Union On-Line Banking Service, you can also transfer funds from one between account to another types within this credit union and to accounts at other financial institutions via Keys EzPayunion. If you have arranged to have direct electronic fund transfer deposits made to your the account, you can call us at (305000) 000- 000-0000 to find out whether or not the deposit has been made. In addition, you will receive an account statement showing all such direct deposits at least monthly. Your account Account statements will be admissible as evidence of the electronic fund transfer deposit or other transaction transactions they represent in any action in a court of law. All deposits are subject to proof and verification. If you deposit a check, draft draft, or other non-cash item, we have the right to clear it before we make the money available to you subject to applicable federal regulations. If there are special fees for collecting your depositdeposits, you promise to pay them. We may deduct such fees directly from your the account. If we feel there is a reason to do so, we may refuse, limit limit, or return any deposit. We have the right to refuse to accept any deposit and we specifically reserve the right to refuse to accept checks for deposit that have more than one endorsement. We reserve the right not to pay interest on amounts subject to garnishment, levy levy, or other legal process; and we reserve the right not to pay interest on any deposit that is returned to us unpaid by the financial institution on which it is drawn (even if that means a reversal of credited interest). All negotiable instruments presented for deposit must be in a format that can be processed and/or photographed. The Credit Union may refuse to accept any check or draft that does not meet this requirement. All endorsements placed on the reverse side of any check or draft which you deposit to your account must be placed so that they are on the left side of the item when looking at it from the front and must be placed so they do not go beyond an area located 1 and ½ inches from the left edge of the item when looking at it from the front. The Credit Union may refuse to accept any item that does not meet this requirement, and, if the credit union does accept it, you agree that you are completely responsible for any loss we incur which is premised on an endorsement not meeting this requirement, including any court costs and reasonable attorney fees. Only checks or drafts that are payable to the organization should be deposited into the account. Checks or drafts payable to the organization should be endorsed with only the name of the organization and ‘For Deposit Only’. A stamp containing this verbiage may be used for endorsements. No authorized signer’s signature should appear in the endorsement.