Discretionary Service. Under the Overdraft Service, we are not obligated to pay any check or item presented for payment if your account does not contain sufficient funds. We may, as a discretionary service and not as a right of yours or our obligation to you, pay overdrafts up to an approved overdraft limit under the terms of this service and subject to this Agreement. This overdraft service is not a line of credit, is not guaranteed, and is independent of any loan arrangement you may have with us. We will not pay an overdraft for you in excess of any limit we have established for your account type. Also, we may refuse to pay an overdraft for you at any time, even if we have previously paid overdrafts for you.
Discretionary Service. Overdraft Protection is not a loan or a line of credit. Even if you have opted in to Overdraft Protection, we are not obligated to pay any Card purchase transaction presented for payment that exceeds the Available Balance of your Account. Payment of such transactions by us is a discretionary, non-contractual courtesy and not a right of yours or an obligation of ours. Any discretionary payment by us of any overdraft transaction does not obligate us to pay any other overdraft transaction. We, in our sole and absolute discretion, may cease paying overdraft transactions at any time without prior notice of reason or cause.
Discretionary Service. The Privilege Pay service may be provided once your checking account has been open for 30 days and will continue as long as the account is maintained in good standing with WECU. The Privilege Pay service will be provided for ATM and debit card purchase transactions only if you request it by providing us a one-time opt- in for these transactions. Under the Privilege Pay service, we are not obligated to pay any check or item presented for payment if your account does not contain sufficient funds. We may, as a discretionary service and not as a right of yours or our obligation to you, pay overdrafts up to an approved overdraft limit under the terms of this service and subject to this Agreement. This overdraft service is not a line of credit, is not guaranteed, and is independent of any loan arrangement you may have with us. We may refuse to pay an overdraft for you at any time, even if we have previously paid overdrafts for you. We will notify you by mail (or email, if you have requested) of any insufficient funds, checks, or items paid or unpaid and returned that you may have. However, we will not notify you before we pay or return any item.
Discretionary Service. Cascade FCU offers the overdraft service to eligible consumer checking account owners who qualify. The overdraft service is provided to qualified accounts automatically for checks, ACH and online transactions and you have the option to opt-out of the service at any time. Overdraft service will be provided for debit card transactions only if you request overdraft services by expressly requesting these transactions (“opt-in”). Under the overdraft service, we are not obligated to pay any check or item presented for payment if your account does not contain sufficient funds. We may, as a discretionary service and not as a right of yours or our obligation to you, pay overdrafts up to an approved overdraft limit under the terms of this service and subject to this agreement. This overdraft service is not a line of credit, is not guaranteed, and is independent of any loan arrangement you may have with us. We will not pay an overdraft for you in excess of any limit we have established for your account type. Also, we may refuse to pay an overdraft for you at any time, even if we have previously paid overdrafts for you. We have no obligation to notify you before we pay or return any item.
Discretionary Service. The Credit Union offers Courtesy Pay to all eligible consumer checking Account Owners. If you would like the Credit Union to provide Courtesy Pay for debit-card purchase transactions, you must specifically notify us to do so ("opt in"), as outlined in the Opt-In Disclosure that we provide you when you open your account. For all other overdraft transactions, Courtesy Pay will be provided automatically once a checking account has been opened and qualified for the service and will continue as long as the account is maintained in good standing with the Credit Union. Under Courtesy Pay, we are not obligated to pay any check or item presented for payment if your account does not contain sufficient funds. The Credit Union may, as a discretionary service and not as a right of yours or our obligation to you, pay overdrafts up to an approved overdraft limit under the terms of Courtesy Pay and subject to this Agreement. Courtesy Pay is not a line of credit, is not guaranteed, and is independent of any other payment arrangement that we may offer. Also, we may refuse to pay an overdraft for you at any time, even if we have previously paid overdrafts for you. Via your mailed (or e-mailed, if you have so requested) periodic statement, we will notify you of any insufficient funds, checks, or items paid or unpaid and returned that you may have. However, we have no obligation to notify you before we pay or return any item.
Discretionary Service. The Credit Union offers the ODL service to eligible business checking account owners who qualify. The ODL service is provided to qualified accounts automatically for checks, ACH, online transactions and debit card transactions. You have the option to opt-out of this service at any time. Under the ODL service, we are not obligated to pay any check or item presented for payment if your account does not contain sufficient funds. We may, as a discretionary service and not as a right of yours or our obligation to you, pay overdrafts up to an approved overdraft limit under the terms of this service and subject to this Agreement. This overdraft service is not a line of credit, is not guaranteed, and is independent of any loan agreement you may have with us. We will not pay an overdraft for you in excess of any limit we have established for your account type. Also, we may refuse to pay an overdraft for you at any time, even if we have previously paid overdrafts for you. We have no obligation to notify you before we pay or return any item.
Discretionary Service. The Privilege Pay service may be provided once your checking account has been open for 30 days and will continue as long as the account is maintained in good standing with WECU. The Privilege Pay service will be provided for ATM and debit card purchase transactions only if you request it by providing us a one- time opt-in for these transactions. Under the Privilege Pay
Discretionary Service. The overdraft service is provided to eligible accounts automatically for checks and online transactions; you may opt-out at any time. The Courtesy Pay service will be provided for ATM and debit card purchase transactions only if you request Courtesy Pay services by expressly opting in for these transactions. The Courtesy Pay overdraft protection is provided only if you have no savings account funds available to transfer. Under the Courtesy Pay service, we are not obligated to pay any check or item presented for payment if your account does not contain sufficient funds. We may, as a discretionary service and not as a right of yours or our obligation to you, pay overdrafts up to an approved overdraft limit under the terms of this service and subject to this Agreement. This overdraft service is not a line of credit, is not guaranteed, and is independent of any loan arrangement you may have with us. We will not pay an overdraft for you in excess of any limit we have established for your account type. Also, we may refuse to pay an overdraft for you at any time, even if we have previously paid overdrafts for you. We will not notify you before we pay or return any item. Overdraft Limit/Available Balance. We may pay overdrafts up to this overdraft limit up to a limit determined by your individual account activity, provided you continue to qualify for the service. This limit may change daily. The Credit Union’s fees and charges and each paid check or item will be included in this limit. This Overdraft Fees. The fee for each paid overdraft is set forth on the Fee Schedule. If we do not pay the overdraft, there is a NSF/ Returned Item fee also set forth on the Fee Schedule. There is no limit on the number of overdrafts paid or overdraft fees incurred on any one day. These fees may be amended as set forth in our Fee Schedule. Member Repayment Responsibility. You agree your overdraft balance, including applicable overdraft fees, is due and payable upon demand. If there is more than one owner on an account, all owners are jointly and severally liable for repayment of the overdraft balance. If you fail to repay your overdraft balance as required, we may immediately suspend the Courtesy Pay service. Accounts may be closed for failure to repay overdraft balances and we will report account closures to consumer reporting agencies. Member Opt-Out Right. We offer the Courtesy Pay service as a service and convenience to members for incidental overdrafts. We do not encourage you...
Discretionary Service. The Overdraft Protection service will be provided once your checking account is opened and will continue as long as the account is maintained in good standing with the Credit Union. The Overdraft Protection service will is provided only if you have no authorized savings or loan account funds available to transfer. Under the
Discretionary Service. The Credit Union offers Overdraft Advantage to eligible consumer checking account owners who qualify. Overdraft Advantage is provided to qualified accounts automatically for checks, ACH, and online transactions; and you have the option to opt-out of the service at any time. Extended Coverage will be provided for ATM and debit card
