Inactive Accounts/Abandoned Property. If you have an account with an outstanding balance and we have no records of any electronic or endorsed deposits, withdrawals or communications from you about your account for one year or longer, we may consider the account to be inactive. After a period of inactivity, we will try to locate you at the mailing or electronic address and telephone number shown in our records for your account. After a specified period of time determined by the law of the state of your residence (as shown in our records), if we are still not able to locate you, we will be required to deliver the account to the state as abandoned property. You will then need to apply to the state for return of your funds. If your account is or has been inactive, we may, in our discretion, refuse to honor requests for withdrawals on the account until after we have verified that you have authorized the withdrawal request. LINKING ACCOUNTS, MAKING DEPOSITS AND WITHDRAWALS Linked External Accounts. You may choose to link your account(s) with us to an account you have with another financial institution's deposit-taking office in the United States, APO/FPO, Puerto Rico, U.S. Virgin Islands, Guam, American Samoa or Northern Mariana Islands. We will call that other account a Linked External Account . Your Linked External Account will be linked to all of your account(s) with us. Any Linked External Account must be owned by you and must be a personal account (not a business or commercial account). Your request to establish a Linked External Account is subject to our verification and approval. In our discretion, we may limit the number of Linked External Accounts you may have at one time or de-link any Linked External Account. Deposits - General. Deposits may only be made in U.S. dollars, by electronic funds transfer ( EFT ), including automated clearing house ( ACH ) transactions, or, in our sole discretion, by wire transfers, or by check mailed to us according to the “Deposits by Mail” section below. All deposits will be deemed made only when they are received by us in Salt Lake City, Utah. See also the “Cutoff Times” section below. Deposits made by ACH are subject to the NACHA Operating Rules and the rules of any regional clearing houses we may use from time to time (collectively, the ACH Rules ). Before final settlement of any deposit, we act only as your agent, regardless of the form of endorsement or lack of endorsement on the item. We reserve the right to refuse, return or limit any deposit you make to your account and to establish (and change) maximum dollar limits for account principal balances and account transactions in our discretion from time to time. Subject to the limitations in this agreement, you may choose to make deposits into your High Yield Savings account at any time. After making the account-opening deposit to your CD, you may not make additional deposits before maturity; however, you may deposit additional funds to a matured CD when it is renewed (whether for the same or a different term). See the “Truth In Savings Disclosures” section of this agreement for additional details about High-Yield Savings accounts and CDs. See the “Funds Availability Disclosure” section for information about when you can withdraw funds you deposit. Deposits by Mail. You may make a deposit by check mailed to us at our address in Salt Lake City, Utah. To do so, you may write a check drawn on an account in your name held at another financial institution's deposit-taking office in the United States, APO/FPO, Puerto Rico, U.S. Virgin Islands, Guam, American Samoa or Northern Mariana Islands, and made payable to American Express National Bank. If you send a check payable to us, please include your account number on the memo line on the front of the check to ensure that it is credited to the correct account. You may also deposit a check made payable to you that is drawn on an account at another financial institution's deposit-taking office in the United States, APO/FPO, Puerto Rico, U.S. Virgin Islands, Guam, American Samoa or Northern Mariana Islands. If you send a check made payable to you, please endorse the back of the check and include the words “For Deposit Only” and your account number underneath to ensure that it is credited to the correct account. All checks must include complete U.S. routing numbers and account numbers. We do not accept "starter" checks issued in connection with new checking accounts. We do not require that you use deposit slips, although we will provide them upon request. If you do not use a deposit slip or otherwise provide us with instructions indicating how or where the check should be credited, we may return the check to you. After you send your deposit by mail, examine your statement carefully or call us to ensure that we received the check. We do not accept cash deposits through the mail.
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