Common use of Electronic Check Conversion/Electronic Returned Check Fees Clause in Contracts

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or share draft, you may authorize your check or share draft to be converted to an electronic fund funds transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills something with a check or draft, share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draftcheck, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or share draft, you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draftcheck, you may authorize your check or draft to be converted to an electronic fund funds transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers EFTs if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or share draft, you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.fund

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills something with a check or draft, share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally verbally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills something with a check or draft, you may authorize your check or draft to be converted to an electronic fund funds transfer. You may also authorize merchants or other payees to electronically debit your account for returned return check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills something with a check or draft, share draft you may authorize your check or share draft to be converted to an electronic fund transferEFT. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills something with a check or share draft, you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases pur- chases or bills with a check or share draft, you may authorize your check or share draft to be converted to an electronic fund funds transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered con- sidered to have authorized these electronic fund funds transfers if you complete the transaction transac- tion after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases pur- chases or bills with a check or share draft, you may authorize your check or share draft to be converted to an electronic fund funds transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered con- sidered to have authorized these electronic fund funds transfers if you complete the transaction trans- action after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills something with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. Online Banking. If Online Banking is activated for your account(s), you will be required to use secure login information to access the account(s).

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills something with a check or draft, share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.to

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills something with a check or draft, checking you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, share draft you may authorize your check or share draft to be converted to an electronic fund funds transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund funds transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you make a purchase or pay for purchases or bills a xxxx with a check or draft, share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, share draft you may authorize be authorizing a merchant to convert your check or share draft to be converted to an electronic fund funds transfer. You may also authorize be authorizing those merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction transactions after being told informed (orally or by a notice posted or sent to you) that the transfer may be processed electronically electronically, or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized autho- rized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or share draft, you may authorize your check or share draft to be converted to an electronic fund funds transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered ï Fees - Refer to have authorized these the UMCU Fee Schedule for information about charges for electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorizationfunds transfers.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draftcheck, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills something with a check or share draft, you may authorize your check or share draft to be converted to an electronic fund funds transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally verbally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund funds transfer. You may also authorize merchants or other payees to electronically debit your account Account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally verbally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.a

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills something with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.. CONDITIONS OF EFT SERVICES

Electronic Check Conversion/Electronic Returned Check Fees. If you make a purchase or pay for purchases or bills a bill with a check or draft, share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to sentto you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for transfer including returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills something with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize autho- rize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund transferpayments. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.other

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.these

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund funds transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally verbally or by a notice posted or sent to you) you that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you it may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete transfer by the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorizationmerchant.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorizationwrittenauthorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft it to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally verbally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills something with a check or draft, you may authorize your check or draft to be converted to an electronic fund funds transfer. You may also authorize merchants or other payees to electronically debit your account for returned return check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told old (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills something with a check or draft, share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You xxxxxxxx.Xxx may also authorize merchants or other payees to electronically debit your account for returned check fees. You xxxx.Xxx are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted converte d to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being transactio n a fter bein g told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills something with a check or draft, share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.or

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills something with a check or draftcheck, you may authorize your check or draft it to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally orally, posted or by a notice posted or sent to you) that the transfer transfers may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills something with a check or draftcheck, you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorizationauthorization with the merchant.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.merchants

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills something with a check or draft, draft you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account Account for returned check fees. You are considered may authorize a merchant or other payee to have authorized these make a one-time electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.payment from your checking account using information from your check to;

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.notice

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund funds transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you You pay for purchases or bills with a check or share draft, you You may authorize your Your check or share draft to be converted to an electronic fund funds transfer. You may also authorize merchants or other payees to electronically debit your account Your Account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you You complete the transaction after being told (orally or by a notice posted or sent to youYou) that the transfer may be processed electronically or if you You sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer trans- fer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills something with a check or draft, share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a send written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or share draft, you may authorize your check or share draft to be converted to an electronic fund funds transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.authorize

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, share draft you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check or draft fees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or share draft, you may authorize your check or share draft to be converted to an electronic fund funds transfer. You may also authorize merchants or other payees to electronically debit your account for returned check feestees. You are considered to have authorized these electronic fund funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers Electronic Funds Transfer if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.