Common use of Negative Balance Clause in Contracts

Negative Balance. If your account has a negative balance for any reason, you agree to pay the amount of the negative balance without notice or demand from us. You also agree to reimburse us for any costs we incur in collecting the amount of any negative balance, including reasonable attorneys’ fees and the costs of litigation. For joint accounts, each owner agrees that all of the owners are jointly and severally liable for all negative balances. Each owner also agrees that we may debit funds from any other account held by each owner to repay any negative balance. Account services may be restricted and your account may be closed due to account mismanagement causing excessive negative balances. We may require you to withdraw funds from your account upon notice. We may refuse any check or other item or withdrawal request if it is not made in a manner specifically authorized for your type of account. We utilize automated collection and processing procedures which rely primarily on information encoded on to each item, whether or not that information is consistent with other information on the item. You agree that SECU does not fail to exercise ordinary care in paying an item solely because our automated procedures do not provide for sight-review. You may request a stop payment order on any check drawn on your account. If the account is a joint account, any joint owner can stop payment of any item drawn on the account. If you want to stop payment on a check, you must act promptly to ensure we receive your request before the check is paid. As a result of advances in the check collection process, including the electronic exchange of check information, your checks may be presented for payment against your account much more quickly than in the past. Thus, to request a stop payment order we recommend that you contact your local branch, call Member Services at 0-000-000-0000, or sign on to Member Access. You may also send a written request to ASK SECU, or by visiting your local branch. Current PO Box 29606, Raleigh, NC 27626, but keep in mind that Balance information is available via ATM. we must receive your order in time to act on it. The stop payment order must describe the check with reasonable certainty (for example, the payee, account number, checknumber, andexact amount of thecheck). SECU will not be responsible for failing to stop payment of a check if you provide us with untimely, incorrect, or incomplete information. Stop payment orders on checks remain in effect for 12 months. We may pay a check once the stop payment order expires. In order for the stop payment to continue for another 12 months, you must complete a new stop payment order. If you want the stop payment order to expire in less than 12 months, you may provide us written notice requesting to cancel the stop payment order. The cancellation request will not be effective until we receive the request and have a reasonable opportunity to act on it. Fees for stop payment orders are set forth in the included Service Fees and Terms chart. We may issue cashier’s checks payable to you or a third party at your direction. Because cashier’s checks are guaranteed funds, you may not cancel or put a stop payment on a cashier’s check once it is issued. However, if the check becomes lost, stolen, or destroyed, we may replace the check according to the following procedures, subject to applicable law. If you are the remitter or payee on a cashier’s check that we issued which has been lost, stolen, or destroyed, you can make a claim with us for reissuance of the check. We may require you to sign a declaration of loss and indemnification agreement. We may delay reissuing the check for a period of time as permitted by law. There are some instances where we are legally required to pay a cashier’s check that was reported lost, stolen, or destroyed even though a claim was made and we reissued the check. If we reissue a cashier’s check to you, and the original cashier’s check is presented for payment under circumstances where we are legally required to pay it, you agree to immediately pay us the amount of the reissued check.

Negative Balance. If your account has a negative balance for any reason, you agree to pay the amount of the negative balance without notice or demand from us. You also agree to reimburse us for any costs we incur in collecting the amount of any negative balance, including reasonable attorneys’ fees and the costs of litigation. For joint accounts, each owner agrees that all of the owners are jointly and severally liable for all negative balances. Each owner also agrees that we may debit funds from any other account held by each owner to repay any negative balance. Account services may be restricted and your account may be closed due to account mismanagement causing excessive negative balances. We may require you to withdraw funds from your account upon notice. We may refuse any check or other item or withdrawal request if it is not made in a manner specifically authorized for your type of account. We utilize automated collection and processing procedures which rely primarily on information encoded on to onto each item, whether or not that information is consistent with other information on the item. You agree that SECU LGFCU does not fail to exercise ordinary care in paying an item solely because our automated procedures do not provide for sight-review. Stale-Dated Items: We maintain the option, at our discretion, to either pay or dishonor any stale-dated item (that is, a check presented more than six months after the date of the check) upon presentation to LGFCU. We may pay the item, at our discretion, unless a stop payment order issued by the account holder was in effect. Post-Dated Items: You agree that we will not be liable to you for charging your account before the indicated date on a properly payable but post-dated item unless you give us prior notice that you have issued a post-dated item and you would like to issue a stop payment order for the item. You may request a stop payment order on any check drawn on your account. If the account is a joint account, any joint owner can stop payment of any item drawn on the account. If you want to stop payment on a check, you must act promptly to ensure we receive your request before the check is paid. As a result of advances in the check collection process, including the electronic exchange of check information, your checks may be presented for payment against your account much more quickly than in the past. Thus, to To request a stop payment order we recommend that you order, please contact your local branch, call Member Services at 0-000-000-0000000.000.0000, or sign log on to Member Access. You Connect at xxxxx.xxx, or you may also send a written request to ASK SECU, or by visiting your local branch. Current PO P.O. Box 29606, Raleigh, NC 27626, but keep in mind that Balance information is available via ATM. we must receive your order in time to act on it. The stop payment order must describe the check with reasonable certainty (for example, the payee, account number, checknumbercheck number, andexact and exact amount of thecheckthe check), and we must receive your order in time to act on it. SECU LGFCU will not be responsible for failing to stop payment of a check if you provide us with untimely, incorrect, incorrect or incomplete information. Stop payment orders on checks remain in effect for 12 months. We may pay a check once the stop payment order expires. In order for the stop payment to continue for another 12 months, you must complete a new stop payment order. If you want the stop payment order to expire in less than 12 months, you may provide us written notice requesting to cancel the stop payment order. The cancellation request will not be effective until we receive the request and have a reasonable opportunity to act on it. Fees for stop payment orders are set forth in the included Service Fees and Terms chart. We may issue cashier’s checks payable to you or a third party at your direction. Because cashier’s checks are guaranteed funds, you may not cancel or put a stop payment on a cashier’s check once it is issued. However, if the check becomes lost, stolen, stolen or destroyed, we may replace the check according to the following procedures, subject to applicable law. If you are the remitter or payee on a cashier’s check that we issued which has been lost, stolen, stolen or destroyed, you can make a claim with us for reissuance of the check. We may require you to sign a declaration of loss and indemnification agreement. We may delay reissuing the check for a period of time as permitted by law. There are some instances where we are legally required to pay a cashier’s check that was reported lost, stolen, stolen or destroyed even though a claim was made and we reissued the check. If we reissue a cashier’s check to you, and the original cashier’s check is presented for payment under circumstances where we are legally required to pay it, you agree to immediately pay us the amount of the reissued check. Account Balance: One or more of the following account balances is available to you for review online, by calling 888.732-8562 or by visiting your local branch. Current Balance information is available via ATM.

Negative Balance. If your account has a negative balance for any reason, you agree to pay the amount of the negative balance without notice or demand from us. You also agree to reimburse us for any costs we incur in collecting the amount of any negative balance, including reasonable attorneys’ fees and the costs of litigation. For joint accounts, each owner agrees that all of the owners are jointly and severally liable for all negative balances. Each owner also agrees that we may debit funds from any other account held by each owner to repay any negative balance. Account services may be restricted and your account may be closed due to account mismanagement causing excessive negative balances. We may require you to withdraw funds from your account upon notice. We may refuse any check or other item or withdrawal request if it is not made in a manner specifically authorized for your type of account. We utilize automated collection and processing procedures which rely primarily on information encoded on to onto each item, whether or not that information is consistent with other information on the item. You agree that SECU LGFCU does not fail to exercise ordinary care in paying an item solely because our automated procedures do not provide for sight-review. You may request a stop payment order on any check drawn on your account. If the account is a joint account, any joint owner can stop payment of any item drawn on the account. If you want to stop payment on a check, you must act promptly to ensure we receive your request before the check is paid. As a result of advances in the check collection process, including the electronic exchange of check information, your checks may be presented for payment against your account much more quickly than in the past. Thus, to To request a stop payment order we recommend that you order, please contact your local branch, call Member Services at 0-000-000-0000000.000.0000, or sign log on to Member Access. You Connect at xxxxx.xxx, or you may also send a written request to ASK SECU, or by visiting your local branch. Current PO P.O. Box 29606, Raleigh, NC 27626, but keep in mind that Balance information is available via ATM. we must receive your order in time to act on it. The stop payment order must describe the check with reasonable certainty (for example, the payee, account number, checknumbercheck number, andexact and exact amount of thecheckthe check), and we must receive your order in time to act on it. SECU LGFCU will not be responsible for failing to stop payment of a check if you provide us with untimely, incorrect, incorrect or incomplete information. Stop payment orders on checks remain in effect for 12 months. We may pay a check once the stop payment order expires. In order for the stop payment to continue for another 12 months, you must complete a new stop payment order. If you want the stop payment order to expire in less than 12 months, you may provide us written notice requesting to cancel the stop payment order. The cancellation request will not be effective until we receive the request and have a reasonable opportunity to act on it. Fees for stop payment orders are set forth in the included Service Fees and Terms chart. We may issue cashier’s checks payable to you or a third party at your direction. Because cashier’s checks are guaranteed funds, you may not cancel or put a stop payment on a cashier’s check once it is issued. However, if the check becomes lost, stolen, stolen or destroyed, we may replace the check according to the following procedures, subject to applicable law. If you are the remitter or payee on a cashier’s check that we issued which has been lost, stolen, stolen or destroyed, you can make a claim with us for reissuance of the check. We may require you to sign a declaration of loss and indemnification agreement. We may delay reissuing the check for a period of time as permitted by law. There are some instances where we are legally required to pay a cashier’s check that was reported lost, stolen, stolen or destroyed even though a claim was made and we reissued the check. If we reissue a cashier’s check to you, and the original cashier’s check is presented for payment under circumstances where we are legally required to pay it, you agree to immediately pay us the amount of the reissued check. calling 888.732-8562 or by visiting your local branch. Current Balance information is available via ATM.

Negative Balance. If your account has a negative balance for any reason, you agree to pay the amount of the negative balance without notice or demand from us. You also agree to reimburse us for any costs we incur in collecting the amount of any negative balance, including reasonable attorneys’ fees and the costs of litigation. For joint accounts, each owner agrees that all of the owners are jointly and severally liable for all negative balances. Each owner also agrees that we may debit funds from any other account held by each owner to repay any negative balance. Account services may be restricted and your account may be closed due to account mismanagement causing excessive negative balances. We may require you to withdraw funds from your account upon notice. We may refuse any check or other item or withdrawal request if it is not made in a manner specifically specifically authorized for your type of account. We utilize automated collection and processing procedures which rely primarily on information encoded on to onto each item, whether or not that information is consistent with other information on the item. You agree that SECU LGFCU does not fail to exercise ordinary care in paying an item solely because our automated procedures do not provide for sight-review. You Stale-Dated Items: We maintain the option, at our discretion, to either pay or dishonor any stale-dated item (for example, a check presented more than six months after the date of the check) upon presentation to LGFCU. We may request pay the item, at our discretion, unless a stop payment order on any check drawn on your account. If issued by the account is a joint account, any joint owner can stop payment of any item drawn on holder was in effect. Post-Dated Items: You agree that we will not be liable to you for charging your account before the account. If you want to stop payment indicated date on a check, properly payable but post-dated item unless you must act promptly give us prior notice that you have issued a post-dated item and you would like to ensure we receive your request before the check is paid. As a result of advances in the check collection process, including the electronic exchange of check information, your checks may be presented for payment against your account much more quickly than in the past. Thus, to request issue a stop payment order we recommend that you contact your local branch, call Member Services at 0-000-000-0000, or sign on to Member Access. You may also send a written request to ASK SECU, or by visiting your local branch. Current PO Box 29606, Raleigh, NC 27626, but keep in mind that Balance information is available via ATM. we must receive your order in time to act on it. The stop payment order must describe the check with reasonable certainty (for example, the payee, account number, checknumber, andexact amount of thecheck). SECU will not be responsible for failing to stop payment of a check if you provide us with untimely, incorrect, or incomplete information. Stop payment orders on checks remain in effect for 12 months. We may pay a check once the stop payment order expires. In order for the stop payment to continue for another 12 months, you must complete a new stop payment order. If you want the stop payment order to expire in less than 12 months, you may provide us written notice requesting to cancel the stop payment order. The cancellation request will not be effective until we receive the request and have a reasonable opportunity to act on it. Fees for stop payment orders are set forth in the included Service Fees and Terms chart. We may issue cashier’s checks payable to you or a third party at your direction. Because cashier’s checks are guaranteed funds, you may not cancel or put a stop payment on a cashier’s check once it is issued. However, if the check becomes lost, stolen, or destroyed, we may replace the check according to the following procedures, subject to applicable law. If you are the remitter or payee on a cashier’s check that we issued which has been lost, stolen, or destroyed, you can make a claim with us for reissuance of the check. We may require you to sign a declaration of loss and indemnification agreement. We may delay reissuing the check for a period of time as permitted by law. There are some instances where we are legally required to pay a cashier’s check that was reported lost, stolen, or destroyed even though a claim was made and we reissued the check. If we reissue a cashier’s check to you, and the original cashier’s check is presented for payment under circumstances where we are legally required to pay it, you agree to immediately pay us the amount of the reissued checkitem.

Negative Balance. If your account has a negative balance for any reason, you agree to pay the amount of the negative balance without notice or demand from us. You also agree to reimburse us for any costs we incur in collecting the amount of any negative balance, including reasonable attorneys’ fees and the costs of litigation. For joint accounts, each owner agrees that all of the owners are jointly and severally liable for all negative balances. Each owner also agrees that we may debit funds from any other account held by each owner to repay any negative balance. Account services may be restricted and your account may be closed due to account mismanagement causing excessive negative balances. We may require you to withdraw funds from your account upon notice. We may refuse any check or other item or withdrawal request if it is not made in a manner specifically authorized for your type of account. We utilize automated collection and processing procedures which rely primarily on information encoded on to onto each item, whether or not that information is consistent with other information on the item. You agree that SECU LGFCU does not fail to exercise ordinary care in paying an item solely because our automated procedures do not provide for sight-review. You Stale-Dated Items: We maintain the option, at our discretion, to either pay or dishonor any stale-dated item (for example, a check presented more than six months after the date of the check) upon presentation to LGFCU. We may request pay the item, at our discretion, unless a stop payment order on any check drawn on your account. If issued by the account is a joint account, any joint owner can stop payment of any item drawn on holder was in effect. Post-Dated Items: You agree that we will not be liable to you for charging your account before the account. If you want to stop payment indicated date on a check, properly payable but post-dated item unless you must act promptly give us prior notice that you have issued a post-dated item and you would like to ensure we receive your request before the check is paid. As a result of advances in the check collection process, including the electronic exchange of check information, your checks may be presented for payment against your account much more quickly than in the past. Thus, to request issue a stop payment order we recommend that you contact your local branch, call Member Services at 0-000-000-0000, or sign on to Member Access. You may also send a written request to ASK SECU, or by visiting your local branch. Current PO Box 29606, Raleigh, NC 27626, but keep in mind that Balance information is available via ATM. we must receive your order in time to act on it. The stop payment order must describe the check with reasonable certainty (for example, the payee, account number, checknumber, andexact amount of thecheck). SECU will not be responsible for failing to stop payment of a check if you provide us with untimely, incorrect, or incomplete information. Stop payment orders on checks remain in effect for 12 months. We may pay a check once the stop payment order expires. In order for the stop payment to continue for another 12 months, you must complete a new stop payment order. If you want the stop payment order to expire in less than 12 months, you may provide us written notice requesting to cancel the stop payment order. The cancellation request will not be effective until we receive the request and have a reasonable opportunity to act on it. Fees for stop payment orders are set forth in the included Service Fees and Terms chart. We may issue cashier’s checks payable to you or a third party at your direction. Because cashier’s checks are guaranteed funds, you may not cancel or put a stop payment on a cashier’s check once it is issued. However, if the check becomes lost, stolen, or destroyed, we may replace the check according to the following procedures, subject to applicable law. If you are the remitter or payee on a cashier’s check that we issued which has been lost, stolen, or destroyed, you can make a claim with us for reissuance of the check. We may require you to sign a declaration of loss and indemnification agreement. We may delay reissuing the check for a period of time as permitted by law. There are some instances where we are legally required to pay a cashier’s check that was reported lost, stolen, or destroyed even though a claim was made and we reissued the check. If we reissue a cashier’s check to you, and the original cashier’s check is presented for payment under circumstances where we are legally required to pay it, you agree to immediately pay us the amount of the reissued checkitem.

Negative Balance. If your account has a negative balance for any reason, you agree to pay the amount of the negative balance without notice or demand from us. You also agree to reimburse us for any costs we incur in collecting the amount of any negative balance, including reasonable attorneys’ fees and the costs of litigation. For joint accounts, each owner agrees that all of the owners are jointly and severally liable for all negative balances. Each owner also agrees that we may debit funds from any other account held by each owner to repay any negative balance. Account services may be restricted and your account may be closed due to account mismanagement causing excessive negative balances. We may require you to withdraw funds from your account upon notice. We may refuse any check or other item or withdrawal request if it is not made in a manner specifically authorized for your type of account. We utilize automated collection and processing procedures which rely primarily on information encoded on to onto each item, whether or not that information is consistent with other information on the item. You agree that SECU LGFCU does not fail to exercise ordinary care in paying an item solely because our automated procedures do not provide for sight-review. You may request a stop payment order on any check drawn on your account. If the account is a joint account, any joint owner can stop payment of any item drawn on the account. If you want to stop payment on a check, you must act promptly to ensure we receive your request before the check is paid. As a result of advances in the check collection process, including the electronic exchange of check information, your checks may be presented for payment against your account much more quickly than in the past. Thus, to To request a stop payment order we recommend that you order, please contact your local branch, call Member Services at 0-000-000-0000000.000.0000, or sign log on to Member Access. You Connect at , or you may also send a written request to ASK SECU, or by visiting your local branch. Current PO P.O. Box 29606, Raleigh, NC 27626, but keep in mind that Balance information is available via ATM. we must receive your order in time to act on it. The stop payment order must describe the check with reasonable certainty (for example, the payee, account number, checknumbercheck number, andexact and exact amount of thecheckthe check), and we must receive your order in time to act on it. SECU LGFCU will not be responsible for failing to stop payment of a check if you provide us with untimely, incorrect, incorrect or incomplete information. Stop payment orders on checks remain in effect for 12 months. We may pay a check once the stop payment order expires. In order for the stop payment to continue for another 12 months, you must complete a new stop payment order. If you want the stop payment order to expire in less than 12 months, you may provide us written notice requesting to cancel the stop payment order. The cancellation request will not be effective until we receive the request and have a reasonable opportunity to act on it. Fees for stop payment orders are set forth in the included Service Fees and Terms chart. We may issue cashier’s checks payable to you or a third party at your direction. Because cashier’s checks are guaranteed funds, you may not cancel or put a stop payment on a cashier’s check once it is issued. However, if the check becomes lost, stolen, stolen or destroyed, we may replace the check according to the following procedures, subject to applicable law. If you are the remitter or payee on a cashier’s check that we issued which has been lost, stolen, stolen or destroyed, you can make a claim with us for reissuance of the check. We may require you to sign a declaration of loss and indemnification agreement. We may delay reissuing the check for a period of time as permitted by law. There are some instances where we are legally required to pay a cashier’s check that was reported lost, stolen, stolen or destroyed even though a claim was made and we reissued the check. If we reissue a cashier’s check to you, and the original cashier’s check is presented for payment under circumstances where we are legally required to pay it, you agree to immediately pay us the amount of the reissued check.  Beginning Balance: The balance in your account after nightly processing.

Negative Balance. If your account has a negative balance for any reason, you agree to pay the amount of the negative balance without notice or demand from us. You also agree to reimburse us for any costs we incur in collecting the amount of any negative balance, including reasonable attorneys’ fees and the costs of litigation. For joint accounts, each owner agrees that all of the owners are jointly and severally liable for all negative balances. Each owner also agrees that we may debit funds from any other account held by each owner to repay any negative balance. Account services may be restricted and your account may be closed due to account mismanagement causing excessive negative balances. We may require you to withdraw funds from your account upon notice. We may refuse any check or other item or withdrawal request if it is not made in a manner specifically authorized for your type of account. We utilize automated collection and processing procedures which rely primarily on information encoded on to onto each item, whether or not that information is consistent with other information on the item. You agree that SECU LGFCU does not fail to exercise ordinary care in paying an item solely because our automated procedures do not provide for sight-review. You may request a stop payment order on any check drawn on your account. If the account is a joint account, any joint owner can stop payment of any item drawn on the account. If you want to stop payment on a check, you must act promptly to ensure we receive your request before the check is paid. As a result of advances in the check collection process, including the electronic exchange of check information, your checks may be presented for payment against your account much more quickly than in the past. Thus, to To request a stop payment order we recommend that you order, please contact your local branch, call Member Services at 0-000-000-0000000.000.0000, or sign log on to Member Access. You Connect at xxxxx.xxx, or you may also send a written request to ASK SECU, or by visiting your local branch. Current PO P.O. Box 29606, Raleigh, NC 27626, but keep in mind that Balance information is available via ATM. we must receive your order in time to act on it. The stop payment order must describe the check with reasonable certainty (for example, the payee, account number, checknumbercheck number, andexact and exact amount of thecheckthe check), and we must receive your order in time to act on it. SECU LGFCU will not be responsible for failing to stop payment of a check if you provide us with untimely, incorrect, incorrect or incomplete information. Stop payment orders on checks remain in effect for 12 months. We may pay a check once the stop payment order expires. In order for the stop payment to continue for another 12 months, you must complete a new stop payment order. If you want the stop payment order to expire in less than 12 months, you may provide us written notice requesting to cancel the stop payment order. The cancellation request will not be effective until we receive the request and have a reasonable opportunity to act on it. Fees for stop payment orders are set forth in the included Service Fees and Terms chart. We may issue cashier’s checks payable to you or a third party at your direction. Because cashier’s checks are guaranteed funds, you may not cancel or put a stop payment on a cashier’s check once it is issued. However, if the check becomes lost, stolen, stolen or destroyed, we may replace the check according to the following procedures, subject to applicable law. If you are the remitter or payee on a cashier’s check that we issued which has been lost, stolen, stolen or destroyed, you can make a claim with us for reissuance of the check. We may require you to sign a declaration of loss and indemnification agreement. We may delay reissuing the check for a period of time as permitted by law. There are some instances where we are legally required to pay a cashier’s check that was reported lost, stolen, stolen or destroyed even though a claim was made and we reissued the check. If we reissue a cashier’s check to you, and the original cashier’s check is presented for payment under circumstances where we are legally required to pay it, you agree to immediately pay us the amount of the reissued check.

Negative Balance. If your account has a negative balance for any reason, you agree to pay the amount of the negative balance without notice or demand from us. You also agree to reimburse us for any costs we incur in collecting the amount of any negative balance, including reasonable attorneys’ fees and the costs of litigation. For joint accounts, each owner agrees that all of the owners are jointly and severally liable for all negative balances. Each owner also agrees that we may debit funds from any other account held by each owner to repay any negative balance. Account services may be restricted and your account may be closed due to account mismanagement causing excessive negative balances. We may require you to withdraw funds from your account upon notice. We may refuse any check or other item or withdrawal request if it is not made in a manner specifically authorized for your type of account. We utilize automated collection and processing procedures which rely primarily on information encoded on to onto each item, whether or not that information is consistent with other information on the item. You agree that SECU LGFCU does not fail to exercise ordinary care in paying an item solely because our automated procedures do not provide for sight-review. Stale-Dated Items: We maintain the option, at our discretion, to either pay or dishonor any stale-dated item (for example, a check presented more than six months after the date of the check) upon presentation to LGFCU. We may pay the item, at our discretion, unless a stop payment order issued by the account holder was in effect. Post-Dated Items: You agree that we will not be liable to you for charging your account before the indicated date on a properly payable but post-dated item unless you give us prior notice that you have issued a post-dated item and you would like to issue a stop payment order for the i tem. You may request a stop payment order on any check item drawn on your account. If the account is a joint account, any joint owner can stop payment of any item drawn on the account. If you want to stop payment on a check, you must act promptly to ensure we receive your request before the check is paid. As a result of advances in the check collection process, including the electronic exchange of check information, your checks may be presented for payment against your account much more quickly than in the past. Thus, to To request a stop payment order we recommend that you order, please contact your local branch, call Member Services at 0-000-000-0000000.000.0000, or sign log on to Member Access. You Connect at xxxxx.xxx, or you may also send a written request to ASK SECUX.X. Xxx 00000, or by visiting your local branch. Current PO Box 29606Xxxxxxx, Raleigh, NC 27626, but keep in mind that Balance information is available via ATM. we must receive your order in time to act on itX X 00000. The stop payment order must describe the check item with reasonable certainty (for example, the payee, account number, checknumbercheck number, andexact and exact amount of thecheckthe check), and we must receive your order in time to act on it. SECU LGFCU will not be responsible for failing to stop payment of a check an item if you provide us with untimely, incorrect, untimely or incomplete information. Stop payment orders on checks remain in effect for 12 months. We may pay a check once the stop payment order expires. In order for the stop payment to continue for another 12 months, you must complete a new stop payment order. If you want the stop payment order to expire in less than 12 months, you may provide us written notice requesting to cancel the stop payment order. The cancellation request will not be effective until we receive the request and have a reasonable opportunity to act on it. Fees for stop payment orders are set forth in the included Service Fees and Terms chart. We may issue cashier’s checks payable to you or a third party at your direction. Because cashier’s checks are guaranteed funds, you may not cancel or put a stop payment on a cashier’s check once it is issued. However, if the check becomes lost, stolen, stolen or destroyed, we may replace the check according to the following procedures, subject to applicable law. If you are the remitter or payee on a cashier’s check that we issued which has been lost, stolen, stolen or destroyed, you can make a claim with us for reissuance of the check. We may require you to sign a declaration of loss and indemnification agreement. We may delay reissuing the check for a period of time as permitted by law. There are some instances where we are legally required to pay a cashier’s check that was reported lost, stolen, stolen or destroyed even though a claim was made and we reissued the check. If we reissue a cashier’s check to you, and the original cashier’s check is presented for payment under circumstances where we are legally required to pay it, you agree to immediately pay us the amount of the reissued check. Account Balance: You can check your account balance by logging into Member Connect, calling 888.732.8562 or visiting your local branch. The following balances are available to you: 4 Beginning Balance: The balance in your account after nightly processing.