Common use of NSF, Overdraft, and Linked Accounts Clause in Contracts

NSF, Overdraft, and Linked Accounts. We are not obligated to honor and pay any item or transaction presented for payment if your Account does not contain a sufficient Available Balance and we may only honor and pay an item or transaction presented for payment if your Account is covered by Optional NSF Service for Deposit Accounts, Optional Overdraft Service for Debit Card Transactions, or by the Available Balance of any linked account (NSF/Overdraft Protection Linked Account Option). These services should not be viewed as an encouragement to overspend the Available Balance in your Account. As always, we encourage you to manage your finances responsibly. A negative balance could occur in your Accounts in several ways, such as when: 1. There is not a sufficient Available Balance in your Account upon the payment of checks, posting of EFTs, or other withdrawal requests. 2. There is not a sufficient Available Balance in your Account upon posting payment orders or requests authorized by you. 3. There is not a sufficient Available Balance in your Account upon the return of unpaid items deposited to your Account. 4. There is not a sufficient Available Balance in your Account upon assessment of fees. 5. There is not a sufficient Available Balance in your Accounts due to funds not being available according to our Funds Availability Policy. 6. There is not a sufficient Available Balance in your Accounts upon posting of an electronic transaction even though you had a sufficient Available Balance when the electronic transaction was authorized. For example, when you present your Debit Card to a merchant, the merchant generally will ask us to authorize the pending payment of an amount equal to or more than the amount you will owe to the merchant. If you have a sufficient Available Balance at that time, we will authorize the pending payment. The amount of this authorized pending payment will be deducted from your Available Balance (but will not be deducted from your Current Balance until such time that the pending payment actually posts to your Account). However, posting of subsequent transactions can lower your Available Balance to an amount not sufficient to pay the authorized pending payment. When the merchant finally posts the authorized pending payment, the authorized pending payment posts as an overdraft because the intervening transactions caused a non-sufficient Available Balance in your Account. If you are opted in to the Optional Overdraft Service for Debit Card Transactions, you may be charged an Overdraft Fee.

NSF, Overdraft, and Linked Accounts. We are not obligated to honor and pay any item or transaction presented for payment if your Account does not contain a sufficient Available Balance and we may only honor and pay an item or transaction presented for payment if your Account is covered by Optional NSF Service for Deposit Accounts, Optional Overdraft Service for Debit Card Transactions, or by the Available Balance of any linked account (NSF/Overdraft Protection Linked Account Option). These services should not be viewed as an encouragement to overspend the Available Balance in your Account. As always, we encourage you to manage your finances responsibly. A negative balance could occur in your Accounts in several ways, such as when: 1. There is not a sufficient Available Balance in your Account upon the payment of checks, posting of EFTs, or other withdrawal requests. 2. There is not a sufficient Available Balance in your Account upon posting payment orders or requests authorized by you. 3. There is not a sufficient Available Balance in your Account upon the return of unpaid items deposited to your Account. 4. There is not a sufficient Available Balance in your Account upon assessment of fees. 5. There is not a sufficient Available Balance in your Accounts Accounts, due to funds not being available according to our Funds Availability Policy. 6. There is not a sufficient Available Balance in your Accounts upon posting of an electronic transaction even though you had a sufficient Available Balance when the electronic transaction was authorized. For example, when you present your Debit Card to a merchant, the merchant generally will ask us to authorize the pending payment of an amount equal to or more than the amount you will owe to the merchant. If you have a sufficient Available Balance at that time, we will authorize the pending payment. The amount of this authorized pending payment will be deducted from your Available Balance (but will not be deducted from your Current Balance until such time that the pending payment actually posts to your Account). However, posting of subsequent transactions can lower your Available Balance to into an amount not sufficient to pay the authorized pending payment. When the merchant finally posts the authorized pending payment, , the authorized pending payment posts as an overdraft because the intervening transactions caused a non-non- sufficient Available Balance in your Account. If you are opted in to the Optional Overdraft Service for Debit Card Transactions, you may be charged an Overdraft Fee.