Common use of Eligible Items Clause in Contracts

Eligible Items. You agree to scan and deposit only checks that are allowed by this Agreement. Any of the following types of checks or other items shall be considered ineligible items and may be rejected by us: • Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into. • Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn. • Checks payable jointly, unless deposited into an account in the name of all payees. • Checks previously converted to a substitute check, as defined in Reg. CC. • Checks drawn on a financial institution located outside the United States. • Checks that are remotely created checks, as defined in Reg. CC. • Checks not payable in United States currency. • Checks dated more than 6 months prior to the date of deposit. • Checks or items prohibited by mobile deposit (including, by not limited to, savings bonds) or which are otherwise not acceptable under the terms of your Bank account. • Checks or items prohibited or which are otherwise not acceptable under the terms of your Bank account. • Checks payable on sight or payable through Drafts. • Checks with any endorsement on the back other than that specified in this agreement. • Checks that have been previously deposited through any channel (including, but not limited to, any financial institution branch or ATM), or that have been submitted through the Service or through any remote deposit capture service (including mobile deposit) offered at this or any other financial institution. • Digitally scanned, photocopied or otherwise duplicated versions of checks. Processing Schedule. Deposited items received by us before 5:00 PM (ET) will be processed that Banking Day. Deposited items received by us after 5:00 PM (ET) will be processed the next Banking Day. Applicable Rules. You agree to comply with all rules and operating guidelines of the Electronic Check Clearing House Organization, the Check 21 Act, Federal Reserve Regulation CC, and similar state laws and regulations, as applicable.

Eligible Items. You agree to scan and deposit only checks "checks" as that are allowed by this Agreementterm is defined in Federal Reserve Regulation CC ("Reg. CC"). When the image of the check transmitted to Banterra is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code. Any check that you attempt to deposit using Mobile Deposit is subject to verification by Banterra. You agree that you will not deposit any of the following types of checks or other items which shall be considered ineligible items and may be rejected by usitems: •  Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into. • ; person or entity other than you  Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn. • drawn  Checks payable jointly, unless deposited into an account in the name of all payees. •  Checks previously converted to a substitute check, as defined in Reg. CC. •  Checks drawn on a financial institution located outside the United StatesStates or not payable in United States currency. •  Checks that are remotely created checks, as defined in Reg. CC. •  Checks not payable in United States currency. •  Checks dated more than 6 months prior to the date of deposit. •  Checks or items prohibited by mobile deposit (including, by not limited to, savings bonds) Banterra’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your Bank Banterra account. • Checks or items prohibited or which are otherwise not acceptable under the terms of your Bank account. •  Checks payable on sight or payable through Drafts, as defined in Reg. • CC.  Checks with any endorsement on the back other than that specified in this agreement. •  Checks that have been previously deposited through any channel (including, but not limited to, any financial institution branch or ATM), or that have been submitted through the Service or through any a remote deposit capture service (including mobile deposit) offered at this or any other financial institution. • Digitally scanned, photocopied  Checks or items that are drawn or otherwise duplicated versions of checks. Processing Schedule. Deposited items received issued by us before 5:00 PM (ET) will the U.S. Treasury Department  Travelers Checks  Checks that require verification codes in order to be processed that Banking Day. Deposited items received by us after 5:00 PM (ET) will be processed the next Banking Day. Applicable Rules. You agree to comply with all rules and operating guidelines of the Electronic Check Clearing House Organization, the Check 21 Act, Federal Reserve Regulation CC, and similar state laws and regulations, as applicable.negotiated

Eligible Items. You agree The Bank reserves the right to scan and reject any deposit only checks that are allowed by this Agreement. Any of for any reason, but specifically, the following types of checks or other items shall be considered ineligible items and may be rejected by usare not eligible for deposit with the Service: • Checks payable drawn on the Bank account to any person or entity other than the person or entity that owns the account that the check is being deposited into. which you are depositing, • Checks containing an alteration on the front of the check or itemthat have been altered, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn. drawn • Checks that are not dated, post-dated, or greater than 180 days old, • Checks previously returned as unpaid, • Third party checks (checks originally made payable to a party other than you), • Checks that are payable jointly, unless deposited into an account in the name of all payees. , • Checks previously converted to that are not payable in U.S. currency, • Checks or items on which a substitute checkstop payment has been issued or for which there are insufficient funds, as defined in Reg. CC. • U.S. Treasury Checks, • Checks drawn on a financial institution banks located outside of the United States. , • Checks that are remotely created checks, as defined in Reg. CC. • Checks not payable in United States currency. • Checks dated more than 6 months prior to the date of deposit. • Checks or items prohibited by mobile deposit (including, by not limited toMoney orders, savings bonds) , credit card cash advance checks, or which are otherwise not acceptable under the terms of your Bank account. traveler’s checks, • Checks or items prohibited or authorized over the phone and created remotely, • Images of checks that never existed in paper form FUNDS AVAILABILITY You acknowledge and agree that deposits made with the Service are not subject to the funds availability requirements of Federal Reserve Board Regulation CC, which are otherwise not acceptable under the terms of your applies to deposits made at a Bank account. • Checks payable on sight or payable through Drafts. • Checks with any endorsement on the back other than that specified in this agreement. • Checks that have been previously deposited through any channel (including, but not limited to, any financial institution branch or ATM). In general, deposits submitted with the Service and received and approved by the Bank before 6:00pm Pacific on any business day that the Bank is open will be considered as the recorded day of your deposit, with availability of deposited funds provided on our next available business day. Deposits submitted with the Service and received and approved by the Bank after that time, or on a day that have been submitted through the Bank is not open for business, will be considered as deposited on our next available business day, with availability of deposited funds provided on our next business day thereafter. We may delay availability of funds based on factors such as the length and extent of your relationship with us, transaction and experience information, the Bank’s ability to review a deposit, or other factors at the Bank’s discretion. Once the Bank has accepted a deposit with the Service, we are not able to delete or remove it from the collection process and it becomes subject to our funds availability policy described above. We will notify you if your deposit with the Service is accepted or through rejected for processing. We reserve the right to reject any remote deposit capture service (including mobile deposit) offered at this Image for any lawful reason without liability. If an item is rejected, such as for reasons of illegibility for example, the check may be brought into a branch for re-presentment. We are not responsible for any check images we do not actually receive, including, without limitation, any image that is dropped or any other financial institutionaltered during or after transmission by you. • Digitally scanned, photocopied or otherwise duplicated versions of checks. Processing Schedule. Deposited items No check image will be considered received by us before 5:00 PM (ET) until we transmit to you a confirmation of our receipt. A confirmation does not mean that the image will be processed or is error-free. Images must be complete, usable and in compliance with any data specifications provided in these Terms and other specifications we might establish. If check image does not comply with those specifications or in our judgment is otherwise incomplete or unusable, we may decline to process it. In that Banking Daycase, the check image will not be deemed “received,” and we will adjust your deposit and provide you with notification of the adjustment. Deposited LIMITATION ON DEPOSITS We reserve the right to impose limits on the number of items received by us after 5:00 PM (ET) or amount of items deposited in a given period. If you attempt to make a deposit with the Service in excess of those limits, we may reject your deposit. Such limits may vary and are subject to change at the Bank’s discretion and without prior notification. In any case, you will be processed the next Banking Day. Applicable Rulesnotified if we reject a deposit due to imposed limits. You agree to comply inform us immediately if there is a material change in your financial circumstances. You agree to furnish us upon our reasonable request any financial information about you. You promise that all information when furnished will be true, correct and complete in all material respects. ENDORSEMENT Checks deposited with all rules and operating guidelines the Service must be properly endorsed by the payee(s) of the Electronic Check Clearing House Organization, check and deposited into an account owned by one of the Check 21 Act, Federal Reserve Regulation CC, payees. Each check must be endorsed with the payee’s signature and similar state laws and regulations, as applicablethe words “For Mobile Deposit Only”.

Eligible Items. You agree to scan capture and deposit only checks “checks” as that are allowed by this Agreementterm is defined in Federal Reserve Regulation CC (“Reg. Any CC”). When the image of the check transmitted to NBA is converted to an Image Replacement document for subsequent presentment and collection, it shall thereafter be deemed an “item” within the meaning of Articles 3 and 4 of the Uniform commercial Code. You agree that you will not capture and deposit any of the following types of checks or other items which shall be considered ineligible items and may be rejected by us: items. • Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited intoyou. • Checks containing an alteration on the front of the check or itemthat have been altered in any way, or which that you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn. drawn • Checks payable jointlyto you jointly with one or more other persons, unless deposited into an account in the name of all payees. • Checks Check previously converted to a substitute check, as defined in Reg. CC. CC • Checks drawn on a financial institution located outside the United States. • Checks that are remotely created checks, as defined in Reg. CC. CC • Checks not payable in the United States currency. currency • Checks dated more than 6 months prior to the date of deposit. deposit • Checks or items prohibited by mobile deposit (including, by not limited to, savings bonds) NBA current procedures relating to the service or which are otherwise not acceptable under the terms of your Bank account. • Checks or items prohibited or which are otherwise not acceptable under the terms of your Bank NBA account. • Checks payable on sight or payable through Drafts, as defined in Reg. CC • Checks with any endorsement on the back other than that specified in this agreementagreement • Checks that are drawn or otherwise issued by the U.S. Treasury Department. • Checks that have previously been previously deposited submitted through the service or through a remote deposit capture service offered at any channel (including, but not limited to, any other financial institution branch or ATM)institution, or that have otherwise been submitted through the Service or through any remote deposit capture service (including mobile deposit) offered at this deposited with NBA or any other financial institution. • Digitally scanned, photocopied or otherwise duplicated versions of checks. Processing Schedule. Deposited items received by us before 5:00 PM (ET) will be processed including checks that Banking Day. Deposited items received by us after 5:00 PM (ET) will be processed the next Banking Day. Applicable Rules. You agree to comply with all rules and operating guidelines of the Electronic Check Clearing House Organization, the Check 21 Act, Federal Reserve Regulation CC, and similar state laws and regulations, as applicablehave been returned unpaid.

Eligible Items. You agree to scan and deposit only checks "checks" as that are allowed by this Agreementterm is defined in Federal Reserve Regulation CC ("Reg. Any CC"). When the image of the check transmitted to the Credit Union is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code. You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered ineligible items and may be rejected by usitems: • Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into. • Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn. • Checks payable jointly, unless deposited into an account in the name of all payees. • Checks previously converted to a substitute check, as defined in Reg. CC. • Checks drawn on a financial institution located outside the United States. • Checks that are remotely created checks, as defined in Reg. CC. • Checks not payable in United States currency. • Checks dated more than 6 months prior to the date of deposit. • Checks stamped with a “non-negotiable” watermark. • Checks that are missing any information, including but not limited to a payee, written and numeric dollar amounts, date, and endorser. • A photocopy of a check for deposit. • Checks from a lottery or prize winnings. • Savings Bonds; Money Orders; Traveler’s Checks; HELOC Access and Credit Card Advance Checks; and Comdata Checks. • Checks or items prohibited by mobile deposit (including, by not limited to, savings bonds) the Credit Union’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your Bank Credit Union account. • Checks or items prohibited or which are otherwise not acceptable under the terms of your Bank account. • Checks payable on sight or payable through Drafts. • Checks with any endorsement on the back other than that specified in this agreement. • Checks that have been previously deposited through any channel (including, but not limited to, any financial institution branch or ATM), or that have been submitted through the Service or through any a remote deposit capture service (including mobile deposit) offered at this or any other financial institution. • Digitally scanned, photocopied Checks or items that are drawn or otherwise duplicated versions issued by the U.S. Treasury Department. • Checks that are prohibited by the Credit Union's current Membership Agreement with you. • Checks that are in violation of checks. Processing Schedule. Deposited items received by us before 5:00 PM (ET) will be processed that Banking Day. Deposited items received by us after 5:00 PM (ET) will be processed the next Banking Day. Applicable Rules. You agree to comply with all rules and operating guidelines of the Electronic Check Clearing House Organizationany government or state law, the Check 21 Actrule, Federal Reserve Regulation CC, and similar state laws and regulations, as applicableor regulation.

Eligible Items. You agree The Bank reserves the right to scan and reject any deposit only checks that are allowed by this Agreement. Any of for any reason, but specifically, the following types of checks or other items shall be considered ineligible items and may be rejected by usare not eligible for deposit with the Service: • Checks payable drawn on the Bank account to any person or entity other than the person or entity that owns the account that the check is being deposited into. which you are depositing, • Checks containing an alteration on the front of the check or itemthat have been altered, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn. drawn • Checks that are not dated, post-dated, or greater than 180 days old, • Checks previously returned as unpaid, • Third party checks (checks originally made payable to a party other than you), • Checks that are payable jointly, unless deposited into an account in the name of all payees. , • Checks previously converted to that are not payable in U.S. currency, • Checks or items on which a substitute checkstop payment has been issued or for which there are insufficient funds, as defined in Reg. CC. • U.S. Treasury Checks, • Checks drawn on a financial institution banks located outside of the United States. , • Checks that are remotely created checks, as defined in Reg. CC. • Checks not payable in United States currency. • Checks dated more than 6 months prior to the date of deposit. • Checks or items prohibited by mobile deposit (including, by not limited toMoney orders, savings bonds) , credit card cash advance checks, or which are otherwise not acceptable under the terms of your Bank account. traveler’s checks, • Checks or items prohibited or authorized over the phone and created remotely, • Images of checks that never existed in paper form e. Funds Availability. You acknowledge and agree that deposits made with the Service are not subject to the funds availability requirements of Federal Reserve Board Regulation CC, which are otherwise not acceptable under the terms of your applies to deposits made at a Bank account. • Checks payable on sight or payable through Drafts. • Checks with any endorsement on the back other than that specified in this agreement. • Checks that have been previously deposited through any channel (including, but not limited to, any financial institution branch or ATM). In general, deposits submitted with the Service and received and approved by the Bank before 6:00pm Pacific Time on any business day that the Bank is open will be considered as the recorded day of your deposit, with availability of deposited funds provided on our next available business day. Deposits submitted with the Service and received and approved by the Bank after that time, or on a day that have been submitted through the Bank is not open for business, will be considered as deposited on our next available business day, with availability of deposited funds provided on our next business day thereafter. We may delay availability of funds based on factors such as the length and extent of your relationship with us, transaction and experience information, the Bank’s ability to review a deposit, or other factors at the Bank’s discretion. Once the Bank has accepted a deposit with the Service, we are not able to delete or remove it from the collection process and it becomes subject to our funds availability policy described above. f. Deposit Status. We will notify you if your deposit with the Service is accepted or through rejected for processing. We reserve the right to reject any remote deposit capture service (including mobile deposit) offered at this or Image for any other financial institutionlawful reason without liability. • Digitally scannedIf an item is rejected, photocopied or otherwise duplicated versions such as for reasons of checks. Processing Schedule. Deposited items received by us before 5:00 PM (ET) will be processed that Banking Day. Deposited items received by us after 5:00 PM (ET) will be processed the next Banking Day. Applicable Rules. You agree to comply with all rules and operating guidelines of the Electronic Check Clearing House Organizationillegibility for example, the check may be brought into a branch for re- presentment. g. Receipt of Check 21 ActImages. We are not responsible for any check images we do not actually receive, Federal Reserve Regulation CCincluding, and similar state laws and regulationswithout limitation, as applicable.any image that is dropped or altered during or after transmission by

Eligible Items. You agree to scan and deposit only checks "checks" as that are allowed by this Agreementterm is defined in Federal Reserve Regulation CC ("Reg. Any CC"). When the image of check transmitted to Bank is converted to an "Image Replacement Document" for subsequent presentment and collection, it shall thereafter be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code. You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered ineligible items and may be rejected by usitems: • Checks payable to any person or entity other than the person or entity that owns the account that into which the check is being deposited intodeposited. • Checks containing an alteration on the front of the check or itemfront, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn. • Checks with missing or incomplete fields. • Checks payable jointly, unless deposited into an account in the name of all payees. • Checks previously converted to a substitute check, as defined in Reg. CC. • Checks drawn on a financial institution located outside the United States. • Checks drawn or otherwise issued by you or any other person on any of your accounts or any account on which you are an authorized signer or joint account holder, including accounts at other financial institutions. • Checks that are remotely created checks, as defined in Reg. CC. • Checks not payable in United States currency. • Checks dated more than 6 months prior to the date of deposit. • Checks or items prohibited by mobile deposit (including, by not limited to, savings bonds) or which are otherwise not acceptable under Bank’s current procedures relating to the terms of your Bank account. • Checks or items prohibited Services or which are otherwise not acceptable under the terms of your Bank account. • Checks payable on sight or payable through Draftsdrafts, as defined in Reg. CC. • Checks with any endorsement on the back other than that specified in this agreementAgreement. • Checks that have been previously deposited through any channel (including, but not limited to, any financial institution branch or ATM), or that have been submitted through the Service or through any remote deposit capture service (including mobile deposit) offered otherwise previously deposited at this Bank or any other financial institution. • Digitally scanned, photocopied Checks or items that are drawn or otherwise duplicated versions issued by the U.S. Treasury Department. • Checks or items that are drawn or otherwise issued by a state Treasury Department. • Check instruments such as money orders, cashier’s checks, official checks or any like items. • Checks drawn on or issued by an insurance company. At our discretion and without prior notice to you, we may further restrict the types and attributes of checks. Processing Schedule. Deposited items received by us before 5:00 PM (ET) checks that will be accepted and processed using the Service. Checks ineligible for the Service may be presented at a branch location or ATM; however, such presentment does not guarantee that Banking Day. Deposited items received by us after 5:00 PM (ET) the check will be processed the next Banking Day. Applicable Rules. You agree credited to comply with all rules and operating guidelines of the Electronic Check Clearing House Organization, the Check 21 Act, Federal Reserve Regulation CC, and similar state laws and regulations, as applicableyour account.

Eligible Items. You agree to scan and deposit only checks as that are allowed by this Agreementterm is defined in Federal Reserve Regulation CC (“Reg CC”). Any You agree that the image of the following types check transmitted to NCB shall be deemed an “item” within the meaning of Articles 3 and 4 of the Uniform Commercial Code as adopted in Illinois. You agree that you will not use the Services to deposit any checks or other items shall be considered ineligible as shown below: a. Checks or items and may be rejected by us: • Checks payable to any person or entity other than you. b. Checks or items drawn or otherwise issued by you or any other person on any of your accounts or any account on which you are an authorized signer or joint account holder. c. Checks payable jointly, unless deposited into an account in the person name of all payees. d. Checks or entity that owns items containing obvious alteration to any of the account that the check is being deposited into. • Checks containing an alteration fields on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn. • . e. Checks payable jointly, unless deposited into an account in the name of all payees. • Checks or items previously converted to a substitute check, as defined in Reg. Reg CC. • . f. Checks or items drawn on a financial institution located outside the United States. • States (no foreign checks). g. Checks or items that are remotely created checks, as defined in Reg. Reg CC. • . h. Checks or items not payable in United States currency. • currency (No Canadian checks). i. Checks or items dated more than 6 months prior to the date of deposit. • . j. Checks or items prohibited by mobile deposit (including, by not limited to, savings bonds) NCB’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your Bank NCB account. • . k. Checks that have previously been submitted through the Service or items prohibited or which are otherwise not acceptable under the terms of your Bank account. • Checks payable on sight or payable through Drafts. • a remote deposit capture service offered at any other financial institution. l. Checks with any endorsement on the back other than that specified in this agreement. • . m. Checks that have been previously deposited through any channel (including, but not limited to, any financial institution branch or ATM), items which are missing a sequence number and pre-printed address or that have been submitted through the Service or through any remote deposit capture service (including mobile deposit) offered at this or any other financial institution. • Digitally scanned, photocopied or otherwise duplicated versions of checks. Processing Schedule. Deposited items received by us before 5:00 PM (ET) will be processed that Banking Day. Deposited items received by us after 5:00 PM (ET) will be processed the next Banking Day. Applicable Rules. You agree to comply with all rules and operating guidelines account number of the Electronic Check Clearing House Organizationaccount holder, the Check 21 Act, Federal Reserve Regulation CC, and similar state laws and regulations, which are sometimes referred to as applicable“counter checks”. n. Savings Bonds o. Canadian Checks

Eligible Items. You agree to scan and deposit only checks as that are allowed by this Agreementterm is defined in the Federal Reserve Regulation CC (“Reg CC”). Any When the image of the following types check transmitted to My Credit Union is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an "item" within the mean- ing of Articles 3 and 4 of the Uniform Commercial Code. You agree that you will not use the Services to scan and deposit any checks or other items shall be considered ineligible items and may be rejected by us: as shown as Ineligible Item below. Ineligible Items • Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into. • Checks or items drawn or otherwise issued by you or any other person on any of your accounts or any account on which you are an authorized signer or joint account holder • Checks or items drawn on a financial institution located outside the United States. • Checks or items not payable in United States Currency. • Checks or items containing an obvious alteration to any of the fields on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent fraudu- lent or otherwise not authorized by the owner of the account on which the check or item is drawndrawn • Checks or items previously converted to a substitute check, as defined in Reg CC. • Checks or items that are remotely created checks, as defined in Reg CC. • Checks or items dated more than 6 months prior to the date of deposit. • Checks or items prohibited or otherwise not acceptable under the terms of your My Credit Union account. • Checks payable jointly, unless deposited into an account in the name of all payees. • Checks previously converted to a substitute check, as defined in Reg. CC. • Checks drawn on a financial institution located outside the United States. • Checks that are remotely created checks, as defined in Reg. CC. • Checks not payable in United States currency. • Checks dated more than 6 months prior to the date of deposit. • Checks or items prohibited by mobile deposit (including, by not limited to, savings bonds) My Credit Union’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your Bank account. • Checks or items prohibited or which are otherwise not acceptable under the terms of your Bank My Credit Union account. • Checks payable on sight or payable through Drafts, as defined in Reg. CC. • Checks with any endorsement on the back other than that specified in this agreement. • Checks that have been previously deposited through any channel (including, but not limited to, any financial institution branch or ATM), or that have been submitted through the Service or through any a remote deposit capture service (including mobile deposit) offered at this or any other financial institution. • Digitally scanned, photocopied Checks or items that are drawn or otherwise duplicated versions of checks. Processing Schedule. Deposited items received issued by us before 5:00 PM (ET) will be processed that Banking Day. Deposited items received by us after 5:00 PM (ET) will be processed the next Banking Day. Applicable Rules. You agree to comply with all rules and operating guidelines of the Electronic Check Clearing House Organization, the Check 21 Act, Federal Reserve Regulation CC, and similar state laws and regulations, as applicable.U.S. Treasury De- partment

Eligible Items. You agree to scan and deposit only checks "checks" as that are allowed by this Agreementterm is defined in Federal Reserve Regulation CC ("Reg. Any CC"). When the image of the check transmitted to the BANK is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code. You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered ineligible items and may be rejected by us: • (“Prohibited Check”):  Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into. • into  Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn. • drawn  Checks payable jointly, unless deposited into an account in the name of all payees. •  Checks previously converted to a substitute check, as defined in Reg. CC. •  Checks drawn on a financial institution located outside the United States. •  Checks that are remotely created checks, as defined in Reg. CC. •  Checks not payable in United States currency. •  Checks dated more than 6 months prior to the date of deposit. •  Checks or items prohibited by mobile deposit (including, by not limited to, savings bonds) the BANK’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your Bank BANK account. • Checks or items prohibited or which are otherwise not acceptable under the terms of your Bank account. •  Checks payable on sight or payable through Drafts, as defined in Reg. • CC.  Checks with any endorsement on the back other than that specified in this agreement. •  Checks that have been previously deposited through any channel (including, but not limited to, any financial institution branch or ATM), or that have been submitted through the Service or Service, through any a remote deposit capture service (including mobile deposit) offered at this or any other financial institution. • Digitally scanned, photocopied or otherwise duplicated versions of checks. Processing Schedule. Deposited previously presented or negotiated elsewhere  Checks or items received that are drawn or otherwise issued by us before 5:00 PM (ET) will be processed that Banking Day. Deposited items received by us after 5:00 PM (ET) will be processed the next Banking Day. Applicable Rules. You U.S. Treasury Department If you deposit a Prohibited Check, you agree to comply with all rules indemnify and operating guidelines of the Electronic Check Clearing House Organization, the Check 21 Act, Federal Reserve Regulation CCreimburse Bank for, and similar state laws hold Bank harmless from and regulationsagainst, as applicableany and all losses, costs and expenses (including reasonable attorney’s fees) Bank may incur associated with any warranty, indemnity or other claim related thereto. Furthermore, if, after first having obtained Bank’s written consent to do so, you provide Bank with an electronic representation of a substitute check for deposit into an Account instead of an original Check, you agree to indemnify and reimburse Bank for, and hold Bank harmless from and against, any and all losses, costs and expenses (including reasonable attorney’s fees) Bank incurs because any such substitute check resulting from such electronic representation does not meet applicable substitute check standards and/or causes duplicate payments.

Eligible Items. You agree to scan and deposit only checks "checks" as that are allowed by this Agreementterm is defined in Federal Reserve Regulation CC ("Reg. Any CC"). When the image of the check transmitted to Credit Union is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code. You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered ineligible items and may be rejected by usitems: • Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into. • Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn. • Checks payable jointly, unless deposited into an account in the name of all payees. • Checks previously converted to a substitute check, as defined in Reg. CC. • Checks drawn on a financial institution located outside the United States. • Checks that are remotely created checks, as defined in Reg. CC. • Checks not payable in United States currency. • Checks dated more than 6 months prior to the date of deposit. • Checks stamped with a “non-negotiable” watermark. • Checks that are missing any information, including but not limited to a payee, written and numeric dollar amounts, date, and endorser. • A photocopy of a check for deposit. • Checks from a lottery or prize winnings. • Savings Bonds; Money Orders; Traveler’s Checks; HELOC Access and Credit Card Advance Checks; and Comdata Checks. • Checks or items prohibited by mobile deposit (including, by not limited to, savings bonds) Credit Union’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your Bank Credit Union account. • Checks or items prohibited or which are otherwise not acceptable under the terms of your Bank account. • Checks payable on sight or payable through Drafts. • Checks with any endorsement on the back other than that specified in this agreement. • Checks that have been previously deposited through any channel (including, but not limited to, any financial institution branch or ATM), or that have been submitted through the Service or through any a remote deposit capture service (including mobile deposit) offered at this or any other financial institution. • Digitally scanned, photocopied Checks or items that are drawn or otherwise duplicated versions issued by the U.S. Treasury Department. • Checks that are prohibited by the Credit Union's current Membership Agreement with you. • Checks that are in violation of checks. Processing Schedule. Deposited items received by us before 5:00 PM (ET) will be processed that Banking Day. Deposited items received by us after 5:00 PM (ET) will be processed the next Banking Day. Applicable Rules. You agree to comply with all rules and operating guidelines of the Electronic Check Clearing House Organizationany federal or state law, the Check 21 Actrule, Federal Reserve Regulation CC, and similar state laws and regulations, as applicableor regulation.