Common use of Limits on Overdraft Transfer Service Clause in Contracts

Limits on Overdraft Transfer Service. We will not transfer more than the available account balance in designated linked account if the amount of the overdraft and related fee(s) exceed the available amount. If the available balance in a designated linked account is not enough to pay the full amount of the transaction(s) You have initiated on any day plus the Overdraft Transfer Fee(s), we will transfer up to the available balance to pay one or more transactions, plus the applicable fee for each item. Any transactions that are not paid by the transfer will either be paid through our Courtesy Pay Service or returned, and Overdraft Transfer Fees, Courtesy Pay Fees, and/or NSF Fees, as applicable, will be assessed. The following example illustrates how this works if You have elected both Overdraft Transfer Service and Courtesy Pay Overdraft Service: Assume Your actual and available balances in Your checking account are both $50, and Your available balance in Your savings account is $10. You write a check for $80. When the check is presented for payment, because You don’t have $80 available in Your checking account or regular savings account, the item cannot be fully paid using the Overdraft Transfer Service from the regular savings account. However, if You have also elected Courtesy Pay, we may elect to transfer the $10 in Your linked savings account and pay the remaining portion of the item using Courtesy Pay. In such case, You will be assessed both an Overdraft Transfer Fee and a Courtesy Pay Fee. However, because Courtesy Pay is a discretionary service, we may instead elect to decline to pay the transaction. If we decline to pay the transaction, we will not transfer any funds from Your linked savings account, we will decline the transaction, and we will assess You an NSF Fee each time the item is presented for payment. It is important to remember that we have no control over how many times an intended payee may present the same item for payment. Multiple presentments of the same item will result in multiple fees.

Limits on Overdraft Transfer Service. We will not transfer more than the available account balance in designated linked account if the amount of the overdraft and related fee(s) exceed the available amount. If the available balance in a designated linked account is not enough to pay the full amount of the transaction(s) You you have initiated on any day plus the Overdraft O/D Transfer Fee(s), we will transfer up to the available balance to pay one or more transactions, plus the applicable fee for each item. Any transactions that are not paid by the transfer will either be paid through our Courtesy Pay Overdraft Privilege Service or returned, and Overdraft O/D Transfer Fees, Courtesy Pay Non-Return Fees, and/or NSF Fees, as applicable, will be assessed. The following example illustrates how this works if You have elected both Overdraft Transfer Service and Courtesy Pay Overdraft ServicePrivilege Overdraft Service are used to pay a transaction: Assume Your your actual and available balances in Your your checking account are both $50, and Your your available balance in Your your savings account is $10. You write a check for $80. When the check is presented for payment, payment because You you don’t have $80 available in Your your checking account or regular savings account, the item cannot be fully paid using the Overdraft Transfer Service from the regular savings account. However, if You have also elected Courtesy Pay, we may elect to transfer the $10 in Your your linked savings account and pay the remaining portion of the item using Courtesy PayOverdraft Privilege. In such case, You you will be assessed both an Overdraft Transfer Fee and only a Courtesy Pay Non-Return Fee. However, because Courtesy Pay Overdraft Privilege is a discretionary service, we may instead elect to decline to pay the transaction. If we decline to pay the transaction, we will not transfer any funds from Your your linked savings account, we will decline the transaction, and we will assess You you an NSF Fee each time the item is presented for payment. It is important to remember that we have no control over how many times an intended payee may present the same item for payment. Multiple presentments of the same item will result in multiple fees.

Limits on Overdraft Transfer Service. We will not transfer more than the available account balance in designated linked account if the amount of the overdraft and related fee(s) exceed the available amount. If the available balance in a designated linked account is not enough to pay the full amount of the transaction(s) You you have initiated on any day plus the Overdraft Transfer Fee(s), we will transfer up to the available balance to pay one or more transactions, plus the applicable fee for each item. Any transactions that are not paid by the transfer will either be paid through our Courtesy Pay Service or returned, and Overdraft Transfer Fees, Courtesy Pay Fees, and/or NSF Fees, as applicable, will be assessed. The following example illustrates how this works if You you have elected both Overdraft Transfer Service and Courtesy Pay Overdraft Service: Assume Your your actual and available balances in Your your checking account are both $50, and Your your available balance in Your your savings account is $10. You write a check for $80. When the check is presented for payment, because You you don’t have $80 available in Your your checking account or regular savings account, the item cannot be fully paid using the Overdraft Transfer Service from the regular savings account. However, if You you have also elected Courtesy Pay, we may elect to transfer the $10 in Your your linked savings account and pay the remaining portion of the item using Courtesy Pay. In such case, You you will be assessed both an Overdraft Transfer Fee and a Courtesy Pay Fee. However, because Courtesy Pay is a discretionary service, we may instead elect to decline to pay the transaction. If we decline to pay the transaction, we will not transfer any funds from Your your linked savings account, we will decline the transaction, and we will assess You you an NSF Fee each time the item is presented for payment. It is important to remember that we have no control over how many times an intended payee may present the same item for payment. Multiple presentments of the same item will result in multiple feesmultiplefees.

Limits on Overdraft Transfer Service. We will not transfer more than the available account balance in a designated linked account if the amount of the overdraft and related fee(s) exceed the available amount. If the available balance in a designated linked account is not enough to pay the full amount of the transaction(s) You you have initiated on any day plus the Overdraft Transfer Fee(s), we will transfer up to the available balance to pay one or more transactions, plus the applicable fee for each item. Any transactions that are not paid by the transfer will either be paid through our Courtesy Pay Service or returned, and Overdraft Transfer Fees, Courtesy Pay Fees, and/or NSF Fees, as applicable, will be assessed. The following example illustrates how this works if You you have elected both Overdraft Transfer Service and Courtesy Pay Overdraft Service: o Assume Your your actual and available balances in Your your checking account are both $50, and Your your available balance in Your your savings account is $10. You write a check for $80. When the check is presented for payment, because You you don’t have $80 available in Your your checking account or regular savings account, the item cannot be fully paid using the Overdraft Transfer Service from the regular savings account. However, if You you have also elected Courtesy Pay, we may elect to transfer the $10 in Your your linked savings account and pay the remaining portion of the item using Courtesy Pay. In such case, You you will be assessed both an Overdraft Transfer Fee and a Courtesy Pay Fee. o However, because Courtesy Pay is a discretionary service, we may instead elect to decline to pay the transaction. If we decline to pay the transaction, we will not transfer any funds from Your your linked savings account, we will decline the transaction, and we will assess You you an NSF Fee each time the item is presented for payment. It is important to remember that we have no control over how many times an intended payee may present the same item for payment. Multiple presentments of the same item will result in multiple fees.

Limits on Overdraft Transfer Service. We will not transfer more than the available account balance in designated linked account if the amount of the overdraft and related fee(s) exceed the available amount. If the available balance Available Balance in a designated linked account is not enough to pay the full amount of the transaction(s) You you have initiated on any day plus the Overdraft Transfer Fee(s), we will transfer up to the available balance Available Balance to pay one or more transactions, plus the applicable fee for each item. Any transactions that are not paid by the transfer will either be paid through our Courtesy Pay Service or returned, and Overdraft Transfer Fees, Courtesy Pay Fees, and/or NSF Fees, as applicable, will be assessed. The following example illustrates how this works if You you have elected both Overdraft Transfer Service and Courtesy Pay Overdraft Service: Assume Your actual your Ledger and available balances Available Balances in Your your checking account are both $50, and Your available balance your Available Balance in Your your savings account is $10. You write a check for $80. When the check is presented for payment, because You you don’t have $80 available in Your your checking account or regular savings account, the item cannot be fully paid using the Overdraft Transfer Service from the regular savings account. However, if You you have also elected Courtesy Pay, we may elect to transfer the $10 in Your your linked savings account and pay the remaining portion of the item using Courtesy Pay. In such case, You you will be assessed both an Overdraft Transfer Fee and a Courtesy Pay Fee. However, because Courtesy Pay is a discretionary service, we may instead elect to decline to pay the transaction. If we decline to pay the transaction, we will not transfer any funds from Your your linked savings account, we will decline the transaction, and we will assess You you an NSF Fee each time the item is presented for payment. It is important to remember that we have no control over how many times an intended payee may present the same item for payment. Multiple presentments of the same item will result in multiple fees.

Limits on Overdraft Transfer Service. We will not transfer more than the available account balance in designated linked account if the amount of the overdraft and related fee(s) exceed the available amount. If the available balance in a designated linked account is not enough to pay the full amount of the transaction(s) You you have initiated on any day plus the Overdraft Transfer Fee(s), we will transfer up to the available balance to pay one or more transactions, plus the applicable fee for each item. Any transactions that are not paid by the transfer will either be paid through our Courtesy Pay Overdraft Tolerance Service or returned, and Overdraft Transfer Fees, Courtesy Pay Overdraft Tolerance Fees, and/or NSF Fees, as applicable, will be assessed. The following example illustrates how this works if You you have elected both Overdraft Transfer Service and Courtesy Pay Overdraft Tolerance Overdraft Service: Assume Your your actual and available balances in Your your checking account are both $50, and Your your available balance in Your your savings account is $10. You write a check for $80. When the check is presented for payment, because You you don’t have $80 available in Your your checking account or regular savings account, the item cannot be fully paid using the Overdraft Transfer Service from the regular savings account. However, if You you have also elected Courtesy PayOverdraft Tolerance, we may elect to transfer the $10 in Your your linked savings account and pay the remaining portion of the item using Courtesy PayOverdraft Tolerance. In such case, You you will be assessed both an Overdraft Transfer Fee and a Courtesy Pay an Overdraft Tolerance Fee. However, because Courtesy Pay Overdraft Tolerance is a discretionary service, we may instead elect to decline to pay the transaction. If we decline to pay the transaction, we will not transfer any funds from Your your linked savings account, we will decline the transaction, and we will assess You you an NSF Fee each time the item is presented for payment. It is important to remember that we have no control over how many times an intended payee may present the same item for payment. Multiple presentments of the same item will result in multiple fees.

Limits on Overdraft Transfer Service. We will not transfer more than the available account balance in designated linked account if the amount of the overdraft and related fee(s) exceed the available amount. If the available balance in a designated linked account is not enough to pay the full amount of the transaction(s) You you have initiated on any day plus the Overdraft Transfer Fee(s), we will transfer up to the available balance to pay one or more transactions, plus the applicable fee for each item. Any transactions that are not paid by the transfer will either be paid through our Courtesy Pay Service or returned, and Overdraft Transfer Fees, Courtesy Pay Fees, and/or NSF Fees, as applicable, will be assessed. The following example illustrates how this works if You you have elected both Overdraft Transfer Service and Courtesy Pay Overdraft Service: Assume Your your actual and available balances in Your your checking account are both $50, and Your your available balance in Your your savings account is $10. You write a check for $80. When the check is presented for payment, because You you don’t have $80 available in Your your checking account or regular savings account, the item cannot be fully paid using the Overdraft Transfer Service from the regular savings account. However, if You you have also elected Courtesy Pay, we may elect to transfer the $10 in Your your linked savings account and pay the remaining portion of the item using Courtesy Pay. In such case, You you will be assessed both an Overdraft Transfer Fee and a Courtesy Pay Fee. However, because Courtesy Pay is a discretionary service, we may instead elect to decline to pay the transaction. If we decline to pay the transaction, we will not transfer any funds from Your your linked savings account, we will decline the transaction, and we will assess You you an NSF Fee each time the item is presented for payment. It is important to remember that we have no control over how many times an intended payee may present the same item for payment. Multiple presentments of the same item will result in multiple fees.

Limits on Overdraft Transfer Service. We will not transfer more than the available account balance in designated linked account if the amount of the overdraft and related fee(s) exceed the available amount. If the available balance in a designated linked account is not enough to pay the full amount of the transaction(s) You you have initiated on any day plus the Overdraft Transfer Fee(s), we will transfer up to the available balance to pay one or more transactions, plus the applicable fee for each item. Any transactions that are not paid by the transfer will either be paid through our Courtesy Pay Service or returned, and Overdraft Transfer Fees, Courtesy Pay Fees, and/or NSF Fees, as applicable, will be assessed. The following example illustrates how this works if You you have elected both Overdraft Transfer Service and Courtesy Pay Overdraft Service: Assume Your your actual and available balances in Your your checking account are both $50, and Your your available balance in Your your savings account is $10. You write a check for $80. When the check is presented for payment, payment because You you don’t have $80 available in Your your checking account or regular savings account, the item cannot be fully paid using the Overdraft Transfer Service from the regular savings account. However, if You you have also elected Courtesy Pay, we may elect to transfer the $10 in Your your linked savings account and pay the remaining portion of the item using Courtesy Pay. In such case, You you will be assessed both an Overdraft Transfer Fee and a Courtesy Pay Fee. However, because Courtesy Pay is a discretionary service, we may instead elect to decline to pay the transaction. If we decline to pay the transaction, we will not transfer any funds from Your your linked savings account, we will decline the transaction, and we will assess You you an NSF Fee each time the item is presented for payment. It is important to remember that we have no control over how many times an intended payee may present the same item for payment. Multiple presentments of the same item will result in multiple fees.

Limits on Overdraft Transfer Service. We will not transfer more than the available account balance in designated linked account if the amount of the overdraft and related fee(s) exceed the available amount. If the available balance in a designated linked account is not enough to pay the full amount of the transaction(s) You you have initiated on any day plus the Overdraft Transfer Fee(s), we will transfer up to the available balance to pay one or more transactions, plus the applicable fee for each item. Any transactions that are not paid by the transfer will either be paid through our Courtesy Pay Premium Overdraft Service or returned, and Overdraft Transfer Fees, Courtesy Pay Overdraft Service Fees, and/or NSF Non-Sufficient Funds Fees, as applicable, will be assessed. The following example illustrates how this works if You you have elected both Overdraft Transfer Service and Courtesy Pay Overdraft ServicePremium Overdraft: Assume Your your actual and available balances in Your your checking account are both $50, and Your your available balance in Your your savings account is $10. You write a check for $80. When the check is presented for payment, because You you don’t have $80 available in Your your checking account or regular savings account, the item cannot be fully paid using the Overdraft Transfer Service from the regular savings account. However, if You you have also elected Courtesy PayPremium Overdraft, we may elect to transfer the $10 in Your your linked savings account and pay the remaining portion of the item using Courtesy PayPremium Overdraft. In such case, You you will be assessed both an Overdraft Transfer Fee and a Courtesy Pay an Overdraft Service Fee. However, because Courtesy Pay Premium Overdraft is a discretionary service, we may instead elect to decline to pay the transaction. If we decline to pay the transaction, we will not transfer any funds from Your your linked savings account, we will decline the transaction, and we will assess You an NSF you a Non-Sufficient Funds Fee each time the item is presented for payment. It is important to remember that we have no control over how many times an intended payee may present the same item for payment. Multiple presentments of the same item will result in multiple fees.

Limits on Overdraft Transfer Service. We will transfer funds in increments of $100 (unless there is less than $100 in the designated linked account). We will not transfer more than the available account balance in designated linked account if the amount of the overdraft and related fee(s) exceed the available amount. If the available balance in a designated linked account is not enough to pay the full amount of the transaction(s) You you have initiated on any day plus the Overdraft Transfer Fee(s), we will transfer up to the available balance to pay one or more transactions, plus the applicable fee for each item. Any transactions that are not paid by the transfer will either be paid through our Courtesy Pay Overdraft Tolerance Service or returned, and Overdraft Transfer Fees, Courtesy Pay Overdraft Tolerance Fees, and/or NSF Fees, as applicable, will be assessed. The following example illustrates how this works if You you have elected both Overdraft Transfer Service and Courtesy Pay Overdraft Tolerance Overdraft Service: Assume Your your actual and available balances in Your your checking account are both $50, and Your your available balance in Your your savings account is $10. You write a check for $80. When the check is presented for payment, because You you don’t have $80 available in Your your checking account or regular savings account, the item cannot be fully paid using the Overdraft Transfer Service from the regular savings account. However, if You you have also elected Courtesy PayOverdraft Tolerance, we may elect to transfer the $10 in Your your linked savings account and pay the remaining portion of the item using Courtesy PayOverdraft Tolerance. In such case, You you will be assessed both an Overdraft Transfer Fee and a Courtesy Pay nd an Overdraft Tolerance Fee. However, because Courtesy Pay Overdraft Tolerance is a discretionary service, we may instead elect to decline to pay the transaction. If we decline to pay the transaction, we will not transfer any funds from Your your linked savings account, we will decline the transaction, and we will assess You you an NSF Fee each time the item is presented for payment. It is important to remember that we have no control over how many times an intended payee may present the same item for payment. Multiple presentments of the same item will result in multiple fees.

Limits on Overdraft Transfer Service. We will not transfer more than the available account balance in a designated linked account if the amount of the overdraft and related fee(s) exceed the available amount. If the available balance Available Balance in a designated linked account is not enough to pay the full amount of the transaction(s) You you have initiated on any day plus the Overdraft Transfer Fee(s), we will transfer up to the available balance Available Balance to pay one or more transactions, plus the applicable fee for each item. Any transactions that are not paid by the transfer will either be paid through our Courtesy Pay Service or returned, and Overdraft Transfer Fees, Courtesy Pay Fees, and/or NSF Fees, as applicable, will be assessed. The following example illustrates how this works if You you have elected both Overdraft Transfer Service and Courtesy Pay Overdraft Service: Assume Your actual your Ledger and available balances Available Balances in Your your checking account are both $50, and Your available balance your Available Balance in Your your savings account is $10. You write a check for $80. When the check is presented for payment, payment because You don’t you do not have $80 available in Your your checking account or regular savings account, the item cannot be fully paid using the Overdraft Transfer Service from the regular savings account. However, if You you have also elected Courtesy Pay, we may elect to transfer the $10 in Your your linked savings account and pay the remaining portion of the item using Courtesy Pay. In such case, You you will be assessed both an Overdraft Transfer Fee and a Courtesy Pay Fee. However, because Courtesy Pay is a discretionary service, we may instead elect to decline to pay the transaction. If we decline to pay the transaction, we will not transfer any funds from Your your linked savings account, we will decline the transaction, and we will assess You you an NSF Fee each time the item is presented for payment. It is important to remember that we have no control over how many times an intended payee may present the same item for payment. Multiple presentments of the same item will result in multiple fees.

Limits on Overdraft Transfer Service. We will not transfer more than the available account balance in designated linked account if the amount of the overdraft and related fee(s) exceed the available amount. If the available balance in a designated linked account is not enough to pay the full amount of the transaction(s) You you have initiated on any day plus the Overdraft Transfer Fee(s), we will transfer up to the available balance to pay one or more transactions, plus the applicable fee for each item. Any transactions that are not paid by the transfer will either be paid through our Courtesy Pay Discretionary Overdraft Privilege Service or returned, and Overdraft Transfer Fees, Courtesy Pay Discretionary Overdraft Privilege Fees, and/or NSF and/ or Non-Sufficient Funds Fees, as applicable, will be assessed. . The following example illustrates how this works if You you have elected both Overdraft Transfer Service and Courtesy Pay Discretionary Overdraft ServicePrivilege: . Assume Your your actual and available balances in Your your checking account are both $50, and Your your available balance in Your your savings account is $10. You write a check for $80. When the check is presented for payment, because You you don’t have $80 available in Your your checking account or regular savings account, the item cannot be fully paid using the Overdraft Transfer Service from the regular savings account. However, if You you have also elected Courtesy PayDiscretionary Overdraft Privilege, we may elect to transfer the $10 in Your your linked savings account and pay the remaining portion of the item using Courtesy PayDiscretionary Overdraft Privilege. In such case, You you will be assessed both an Overdraft Transfer Fee and a Courtesy Pay Discretionary Overdraft Privilege Fee. However, because Courtesy Pay Discretionary Overdraft Privilege is a discretionary service, we may instead elect to decline to pay the transaction. If we decline to pay the transaction, we will not transfer any funds from Your your linked savings account, we will decline the transaction, and we will assess You an NSF you a Non-Sufficient Funds Fee each time the item is presented for payment. It is important to remember that we have no control over how many times an intended payee may present the same item for payment. Multiple presentments of the same item will result in multiple fees.

Limits on Overdraft Transfer Service. We will w ill not transfer more than the available account balance in designated linked account if the amount of the overdraft and related fee(s) exceed the available amount. If the available balance in a designated linked account is not enough to pay the full amount of the transaction(s) You you have initiated on any day plus the Overdraft Transfer Fee(s), we will w e w ill transfer up to the available balance to pay one or more transactions, plus the applicable applicab le fee for each item. Any transactions that are not paid by the transfer will w ill either be paid through our Courtesy Pay Service or returned, and Overdraft Transfer Fees, Courtesy Pay Fees, and/or NSF Fees, as applicable, will w ill be assessed. The following follow ing example illustrates how this works w orks if You you have elected both Overdraft Transfer Service and Courtesy Pay Overdraft Service: Assume Your your actual and available balances in Your your checking account are both $50, and Your your available balance in Your your savings account is $10. You write w rite a check for $80. When the check is presented for payment, because You don’t have $80 available in Your checking account or regular savings account, the item cannot be fully paid using you the Overdraft Transfer Service from the regular savings account. HoweverHow ever, if You you have also elected Courtesy Pay, we w e may elect to transfer the $10 in Your your linked savings account and pay the remaining portion of the item using Courtesy Pay. In such case, You will you w ill be assessed both an Overdraft Transfer Fee and only a Courtesy Pay Fee. HoweverHow ever, because Courtesy Pay is a discretionary service, we w e may instead elect to decline to pay the transaction. If we w e decline to pay the transaction, we will w e w ill not transfer any funds from Your your linked savings account, we will w e w ill decline the transaction, and we will w e w ill assess You you an NSF Fee each time the item is presented for payment. It is important to remember that we w e have no control over how many times an intended payee may present the same item for payment. Multiple presentments of the same item will w ill result in multiple fees.

Limits on Overdraft Transfer Service. We will not transfer more than the available account balance in designated linked account if the amount of the overdraft and related fee(s) exceed the available amount. If the available balance in a designated linked account is not enough to pay the full amount of the transaction(s) You you have initiated on any day plus the Overdraft Transfer Fee(s), we will transfer up to the available balance to pay one or more transactions, transactions plus the applicable fee for each item. item Any transactions that are not paid by the transfer will either be paid through our Courtesy Pay Service or returned, and Overdraft Transfer Fees, Courtesy Pay Fees, and/or NSF Fees, Fees as applicable, will be assessed. The following example illustrates how this works if You you have elected both Overdraft Transfer Service and Courtesy Pay Overdraft Service: Assume Your your actual and available balances in Your your checking account are both $50, and Your your available balance in Your your savings account is $10. You write a check for $80. When the check is presented for payment, because You you don’t have $80 available in Your your checking account or regular savings account, the item cannot be fully paid using the Overdraft Transfer Service from the regular savings account. However, if You you have also elected Courtesy Pay, we may elect to transfer the $10 in Your your linked savings account and pay the remaining portion of the item using Courtesy Pay. In such case, You you will be assessed both an Overdraft Transfer Fee and a Courtesy Pay Fee. However, because Courtesy Pay is a discretionary service, we may instead elect to decline to pay the transaction. If we decline to pay the transaction, we will not transfer any funds from Your your linked savings account, we will decline the transaction, and we will assess You you an NSF Fee each time the item is presented for payment. It is important to remember that we have no control over how many times an intended payee may present the same item for payment. Multiple presentments of the same item will result in multiple fees.

Limits on Overdraft Transfer Service. We will not transfer more than the available account balance in designated linked your savings account if the amount of the overdraft and related fee(s) exceed the available amount. If the available balance in a designated linked the savings account is not enough to pay the full amount of the transaction(s) You you have initiated on any day plus the Overdraft Transfer Fee(s), we will transfer up to the available balance to pay one or more transactions, plus the applicable fee for each item. Any transactions that are not paid by the transfer will either be paid through our Courtesy Pay Service or returned, and Overdraft Transfer Fees, Courtesy Pay Fees, and/or NSF Fees, as applicable, will be assessed. The following example illustrates how this works if You have elected using both Overdraft Transfer Service and Courtesy Pay Overdraft ServicePay: Assume Your your actual and available balances in Your your checking account are both $50, and Your your available balance in Your your savings account is $10. You write a check for $80. When the check is presented for payment, because You you don’t have $80 available in Your your checking account or regular savings account, the item cannot be fully paid using the Overdraft Transfer Service from the regular your savings account. However, if You have also elected you are eligible for Courtesy Pay, we may elect to transfer the $10 in Your linked your savings account and pay the remaining portion of the item using Courtesy Pay. In such case, You you will be assessed both an Overdraft Transfer Fee and a Courtesy Pay Fee. However, because Courtesy Pay is a discretionary service, we may instead elect to decline to pay the transaction. If we decline to pay the transaction, we will not transfer any funds from Your linked your savings account, we will decline the transaction, and we will assess You you an NSF Fee each time the item is presented for payment. It is important to remember that we have no control over how many times an intended payee may present the same item for payment. Multiple presentments of the same item will result in multiple fees.