General Deposit Rules. You can make deposits to your account in person at our branch, by mail, or by any other method we make available. We are not responsible for deposits made by mail until we actually receive them. We encourage you to use the deposit slips that we make available to you in order to help us credit deposits to your account as soon as possible and to minimize errors. If you do not use deposit slips that we provide to you, you agree that we will not be liable to you for any errors resulting from your use of a counter deposit slip, whether completed by you or one of our employees. We have the right, but are not obligated, to endorse any non-cash items submitted for deposit into your account and deposit them into your account. We also have the right to not accept items that contain multiple, missing, or improper endorsements, and to limit, refuse, hold, or return any deposit. You agree to reimburse us for any Losses we incur because: (a) you fail to endorse an item exactly as drawn, (b) you deposit an item with a missing endorsement, or (c) resulting from or arising out of any return of any deposited item for any reason whatsoever. You agree that our count of the coins and currency in your deposit shall be conclusive as to the amount. Credit for all of your deposits is provisional, and we will make any necessary adjustments to your account for any discrepancies and notify you. We reserve the right to make adjustments to your account, in our sole discretion, for computation or other errors. You may only withdraw funds from your account that are available for withdrawal under the terms and conditions of this Agreement and our Funds Availability Policy. You understand and agree that we may make adjustments to your account from time to time to reflect corrections or changes to your balance. For example, if deposits are posted for the wrong amount or to the wrong account. In the event that an error has caused the balance in your account to be overstated, you agree to reimburse the overstated amount.
