Common use of Overdraft Fees Clause in Contracts

Overdraft Fees. We generally determine at the time we post a debit to your Account whether it creates an overdraft and whether an overdraft or returned item fee applies. You should note that sometimes we authorize a transaction at a time when you have enough available funds to cover it, but because other transactions post before it and reduce your balance, the transaction creates an overdraft when we post it to your Account. You can avoid fees for overdrafts and returned items by making sure that your Account always contains enough available funds to cover all of your transactions. When your Account balance includes some funds that are subject to a hold, dispute or Legal Process, you should note that those funds are not available to cover your transactions. Our posting orders can impact the number of overdraft fees we charge you when you do not have enough available funds to cover all of your transactions. When several debits arrive the same business day for payment from your Account and you do not have enough available funds in your Account to cover all of the debits we receive for that day, you understand that some posting orders can result in more overdrafts, and more fees for overdraft items and returned items, than if we had used other posting orders. You agree that we may in our discretion choose our posting orders, and also change them from time to time, regardless of whether additional fees may result. When your Account balance includes some funds that are not available at the time that we post a debit, and you do not have enough available funds in your Account to cover the debit, the debit results in an overdraft and we generally charge you an overdraft fee or returned item fee for the debit. We do not show holds or distinguish between available and unavailable funds in your Account balance on your statement.

Overdraft Fees. We generally On any given business day, if we receive more than one item for payment and if we determine at the time we post a debit to your Account whether it creates an overdraft and whether an overdraft or returned item fee applies. You should note that sometimes we authorize a transaction at a time when you have enough available there are sufficient funds to cover it, pay one or more but because other transactions post before it and reduce your balance, the transaction creates an overdraft when we post it to your Account. You can avoid fees for overdrafts and returned items by making sure that your Account always contains enough available funds to cover not all of your transactions. When your Account balance includes some funds that are subject to a holdthe items, dispute or Legal Process, you should note that those funds are not available to cover your transactions. Our posting orders can impact then the number of items paid and the overdraft and returned item fees assessed could be affected by the order that we charge you when you do not have enough available funds choose to cover all of your transactionspost those items. When several debits arrive the same business day for payment from your Account We may choose our processing and you do not have enough available funds in your Account to cover all of the debits we receive for that day, you understand that some posting orders can result in more overdrafts, and more fees for overdraft items and returned items, than if we had used other posting orders. You agree that we may in our discretion choose our posting orders, and also change them from time to time, regardless of whether additional fees may result. AUTHORIZATION HOLDS FOR DEBIT CARD TRANSACTIONS When you use your Account debit card to pay for goods or services, the merchant may seek preauthorization from us for the transaction. When we preauthorize a transaction, we commit to make the requested funds available when the transaction finally posts and as such, we generally place an “authorization hold” against some or all of the funds in the account linked to your debit card, based on the amount of the preauthorization request from the merchant. The amount of the authorization hold will be subtracted from your available balance includes as authorization requests are received by us throughout each day. Until the transaction finally settles, or we otherwise remove the hold, the funds subject to the hold will not be available to you. Eventually, the transaction is processed by the merchant and submitted to us for payment. This can happen hours or sometimes days after you signed for it, depending on the merchant. These payment requests are received in real time throughout the day and are posted to your account as they are received. The amount of an authorization hold may differ from the actual transaction amount because the actual transaction amount may not yet be known to the merchant when the authorization request is submitted. For example, this can happen where your debit card is swiped before your actual transaction amount is known, such as at a restaurant (where you may choose to add a tip to the transaction amount) or gas station. For these types of transactions, there may be no authorization hold, or the amount of the authorization hold may be different from the transaction amount. In some funds that other cases we may not receive an authorization request from the merchant, and there will be no authorization hold reflected in your available balance. We cannot control how much a merchant asks us to authorize, or when a merchant submits a transaction for payment. We are not available at permitted to place an authorization hold on your account for up to three (3) business days (or longer for certain types of debit card transactions) from the time that of the authorization, or until the transaction is paid from your account. However, if the transaction is not submitted for payment, we post a debitwill release the authorization hold, which will increase your available balance until the transaction is submitted for payment by the merchant and you do not have enough available funds in finally posted to your Account to cover account. If this happens, we must honor the debit, prior authorization and will pay the debit results in an overdraft and we generally charge you an overdraft fee or returned item fee for the debit. We do not show holds or distinguish between available and unavailable funds in transaction from your Account balance on your statementaccount.

Overdraft Fees. We generally determine at the time we post a debit to your Account account whether it creates an overdraft and whether an overdraft or returned item fee applies. You should note that sometimes we authorize a transaction at a time when you have enough available funds to cover it, but because other transactions post before it and reduce your balance, the transaction creates an overdraft when we post it to your Accountaccount. You can avoid fees for overdrafts and returned items by making sure that your Account account always contains enough available funds to cover all of your transactions. When your Account account balance includes some funds that are subject to a hold, dispute dispute, or Legal Processlegal process, you should note that those funds are not available to cover your transactions. We offer services to help you manage and keep track of your finances, such as Online Banking and Online Alerts. Please see “How to Get Started” at the beginning of this agreement. Our posting orders can impact the number of overdraft fees we charge you when you do not have enough available funds to cover all of your transactions. When several debits arrive the same business day for payment from your Account account and you do not have enough available funds in your Account account to cover all of the debits we receive for that day, you understand that some posting orders can result in more overdrafts, and more fees for overdraft items and returned items, than if we had used other posting orders. You agree that we may in our discretion choose our posting orders, and also change them from time to time, regardless of whether additional fees may result. When your Account account balance includes some funds that are not available at the time that we post a debit, and you do not have enough available funds in your Account account to cover the debit, the debit results in an overdraft and we generally charge you an overdraft item fee or returned item fee for the debit. We You should note that we do not show holds holds, or distinguish between available and unavailable funds in your Account account balance on your statementstatement so, when you review your statement later, it may appear that you had enough available funds in your account to cover a debit for which we charged you a fee.

Overdraft Fees. We generally determine at the time we post a debit to your Account account whether it creates an overdraft and whether an overdraft or returned item fee applies. You should note that sometimes we authorize a transaction at a time when you have enough available funds to cover it, but because other transactions post before it and reduce your balance, the transaction creates an overdraft when we post it to your Accountaccount. You can avoid fees for overdrafts and returned items by making sure that your Account account always contains enough available funds to cover all of your transactions. When your Account account balance includes some funds that are subject to a hold, dispute dispute, or Legal Processlegal process, you should note that those funds are not available to cover your transactions. We offer services to help you manage and keep track of your finances, such as Online Banking and Online Alerts. Please see “How to Get Started” at the beginning of this agreement. Our posting orders can impact the number of overdraft fees we charge you when you do not have enough available funds to cover all of your transactions. When several debits arrive the same business day for payment from your Account account and you do not have enough available funds in your Account account to cover all of the debits we receive for that day, you understand that some posting orders can result in more overdrafts, and more fees for overdraft items and returned items, than if we had used other posting orders. You agree that we may in our discretion choose our posting orders, and also change them from time to time, regardless of whether additional fees may result. When your Account account balance includes some funds that are not available at the time that we post a debit, and you do not have enough available funds in your Account account to cover the debit, the debit results in an overdraft and we generally charge you an overdraft item fee or returned item fee for the debit. We You should note that we do not show holds holds, or distinguish between available and unavailable funds in your Account balance account balance, on your statementstatement so when you review your statement later, it might appear that you had enough available funds in your account to cover a debit for which we charged you a fee. Processing Deposits and Cashed Items We may forward deposits, cashed items and other transaction requests for an account to one of our processing centers. We may use the date that our processing center receives the transaction as the effective date of the transaction. Cashing Items or Accepting Items for Deposit We may accept, accept for collection only, refuse, or return all or part of any deposit. If we accept checks or other items for deposit to your account or cash them, you are responsible for the checks and other items if there is a subsequent problem with them. • If we cash a check or other item for you or credit it to your account and it is not paid for any reason, we may charge your account for the amount of the check or other item, even if this causes your account to become overdrawn. • We may accept a check or other item for deposit to your account from anyone. We do not have to question the authority of the person making the deposit. • If your account is overdrawn, we may use the deposit to pay the overdraft and any fees you owe us. • We may adjust your account for any deposit errors, even if you have already withdrawn all or part of the deposit, though we reserve the right not to do so in every case. • We may refuse to accept for deposit to your account items payable to another person. • In receiving checks or other items for deposit or collection, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. We are not responsible for errors and delays made by others in the collection process. • When you send us deposits by mail, we may treat them as received at the time we receive actual delivery of deposits sent by mail. If you place deposits in other depositories, we may treat them as received when we remove the deposits from other depositories. • We may assess a charge for processing cash in a deposit. • If you give us cash that we later determine to be counterfeit, we may charge your account for the amount we determine to be counterfeit. • You will not knowingly deposit items into your account that do not have either a true original signature of the person on whose account it is drawn or an authorized mechanical reproduction of that person’s signature. • If we accept a cash deposit in unusual denominations, such as a large number of coins, we may assess a charge for processing the deposit. • We may require ID or impose other conditions before accepting a deposit. Deposit Slips You should always use our personalized deposit slips with your preprinted name and account number. If you use a blank deposit slip from one of our banking centers, rather than your personalized deposit slip, we are not liable to you for errors that may result from your or our hand encoding the account information. Checks, Cashier’s Checks, and Similar Items We cannot generally verify that checks, money orders, cashier’s checks or similar items are authentic and valid at the time you ask us to cash them or accept them for deposit. If we cash, or accept for deposit, a check, a money order, cashier’s check or similar item and we later learn that the item is fraudulent, counterfeit or invalid for some other reason, we may charge your account for the amount of the item. This may occur even if we previously made the funds available to you, or this causes your account to become overdrawn. Local Items Local items include, but are not limited to, items presented which are in U.S. Dollars and drawn on a bank located in the United States, or in the country in which the item is presented. Foreign Items Foreign items include, but are not limited to items presented which are drawn on a bank in a country other than the country in which the account was established; or an item which is issued in a currency other than U.S. Dollars or some other currency that may be available in the country in which the transaction is being processed. You should be especially cautious about accepting items drawn on banks located outside of the United States and / or country in which the account was established. Checks Lost in the Collection Process When we cash a check for you or accept a check for deposit to your account, we are acting as your agent in collecting the check. We are not responsible if the check is lost or delayed in the collection process. We may charge your account for the amount of the check, even if this causes your account to become overdrawn, if a check is lost during the collection process or if the financial institution on which the check is drawn gives us a photocopy of the check or a debit slip representing the check. A check that was lost may not be returned to us for some time. Despite any delay, we may charge your account when we receive either the returned check, a copy of the check, or a notice of return. Collection Items We may accept certain items — such as certain securities and checks payable in foreign currencies or at foreign locations — on a collection basis only. We route and process collection items separately. We normally credit your account for collection items only after we receive payment for them. But if we do credit your account and then do not receive payment, we may debit your account for the amount of the item, even if this causes your account to become overdrawn. We charge fees for processing collection items. Financial institutions in the collection process and the financial institution on which the collection item is drawn may also charge fees. If a financial institution requires payment of a fee before that institution will process the collection item, we may pay the fee and charge your account.

Overdraft Fees. We generally determine at the time we post a debit to your Account account whether it creates an overdraft and whether an overdraft or returned item fee applies. You should note that sometimes we authorize a transaction at a time when you have enough available funds to cover it, but because other transactions post before it and reduce your balance, the transaction creates an overdraft when we post it to your Accountaccount. You can avoid fees for overdrafts and returned items by making sure that your Account account always contains enough available funds to cover all of your transactions. When your Account account balance includes some funds that are subject to a hold, dispute dispute, or Legal Processlegal process, you should note that those funds are not available to cover your transactions. We offer services to help you manage and keep track of your finances, such as Online Banking and Online Alerts. Please see “How to Get Started” at the beginning of this agreement. Our posting orders can impact the number of overdraft fees we charge you when you do not have enough available funds to cover all of your transactions. When several debits arrive the same business day for payment from your Account account and you do not have enough available funds in your Account account to cover all of the debits we receive for that day, you understand that some posting orders can result in more overdrafts, and more fees for overdraft items and returned items, than if we had used other posting orders. You agree that we may in our discretion choose our posting orders, and also change them from time to time, regardless of whether additional fees may result. When your Account account balance includes some funds that are not available at the time that we post a debit, and you do not have enough available funds in your Account account to cover the debit, the debit results in an overdraft and we generally charge you an overdraft item fee or returned item fee for the debit. We You should note that we do not show holds holds, or distinguish between available and unavailable funds in your Account account balance on your statementstatement so, when you review your statement later, it may appear that you had enough available funds in your account to cover a debit for which we charged you a fee. Processing Deposits and Cashed Items We may forward deposits, cashed items and other transaction requests for an account to one of our processing centers. We may use the date that our processing center receives the transaction as the effective date of the transaction. Cashing Items or Accepting Items for Deposit We may accept, accept for collection only, refuse, or return all or part of any deposit. If we accept checks or other items for deposit to your account or cash them, you are responsible for the checks and other items if there is a subsequent problem with them. • If we cash a check or other item for you or credit it to your account and it is not paid for any reason, we may charge your account for the amount of the check or other item, even if this causes your account to become overdrawn. • We may accept a check or other item for deposit to your account from anyone. We do not have to question the authority of the person making the deposit. • If your account is overdrawn, we may use the deposit to pay the overdraft and any fees you owe us. • We may adjust your account for any deposit errors, even if you have already withdrawn all or part of the deposit, though we reserve the right not to do so in every case. • We may refuse to accept for deposit to your account items payable to another person. • In receiving checks or other items for deposit or collection, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. We are not responsible for errors and delays made by others in the collection process. • When you send us deposits by mail, we may treat them as received at the time we receive actual delivery of deposits sent by mail. If you place deposits in other depositories, we may treat them as received when we remove the deposits from other depositories. • We may assess a charge for processing cash in a deposit. • If you give us cash that we later determine to be counterfeit, we may charge your account for the amount we determine to be counterfeit. • You will not knowingly deposit items into your account that do not have either a true original signature of the person on whose account it is drawn or an authorized mechanical reproduction of that person’s signature. • If we receive a cash deposit in unusual denominations, such as a large number of coins, we may reject the request or assess a fee for processing the deposit. • We may require ID or impose other conditions before accepting a deposit. Deposit Slips You should always use our personalized deposit slips with your preprinted name and account number. If you use a blank deposit slip from one of our banking centers, rather than your personalized deposit slip, we are not liable to you for errors that may result from your or our hand encoding the account information. Checks, Cashier’s Checks, and Similar Items We cannot generally verify that checks, money orders, cashier’s checks or similar items are authentic and valid at the time you ask us to cash them or accept them for deposit. If we cash, or accept for deposit, a check, a money order, cashier’s check or similar item and we later learn that the item is fraudulent, counterfeit or invalid for some other reason, we may charge your account for the amount of the item. This may occur even if we previously made the funds available to you, or this causes your account to become overdrawn. Local Items Local items include, but are not limited to, items presented which are in U.S. Dollars and drawn on a bank located in the United States, or in the country in which the item is presented. Foreign Items Foreign items include, but are not limited to items presented which are drawn on a bank in a country other than the country in which the account was established; or an item which is issued in a currency other than U.S. Dollars or some other currency that may be available in the country in which the transaction is being processed. You should be especially cautious about accepting items drawn on banks located outside of the United States and / or the country in which the account was established. Checks Lost in the Collection Process When we cash a check for you or accept a check for deposit to your account, we are acting as your agent in collecting the check. We are not responsible if the check is lost or delayed in the collection process. We may charge your account for the amount of the check, even if this causes your account to become overdrawn, if a check is lost during the collection process or if the financial institution on which the check is drawn gives us a photocopy of the check or a debit slip representing the check. A check that was lost may not be returned to us for some time. Despite any delay, we may charge your account when we receive either the returned check, a copy of the check, or a notice of return. Collection Items We may accept certain items — such as certain securities and checks payable in foreign currencies or at foreign locations — on a collection basis only. We route and process collection items separately. We normally credit your account for collection items only after we receive payment for them. But if we do credit your account and then do not receive payment, we may debit your account for the amount of the item, even if this causes your account to become overdrawn. We charge fees for processing collection items. Financial institutions in the collection process and the financial institution on which the collection item is drawn may also charge fees. If a financial institution requires payment of a fee before that institution will process the collection item, we may pay the fee and charge your account.

Overdraft Fees. We generally determine at the time we post a debit to your Account whether it creates an iv. Taxas de Cheque Especial. Geralmente, determinamos no momento em que lançamos um débito em sua EVOLVE BANK & TRUST CUSTOMER ACCOUNT AND CARDHOLDER AGREEMENT EVOLVE BANK & TRUST CONTRATO DA CONTA DO CLIENTE E TITULAR DO CARTÃO overdraft and whether an overdraft or returned item fee applies. You should note that sometimes we authorize a transaction at a time when you have enough available funds to cover it, but because other transactions post before it and reduce your balance, the transaction creates an overdraft when we post it to your Account. You can avoid fees for overdrafts and returned items by making sure that your Account always contains enough available funds to cover all of your transactions. When your Account balance includes some funds that are subject to a hold, dispute or Legal Processlegal process, you should note that those funds are not available to cover your transactions. Our posting orders can impact the number of overdraft fees we charge you when you do not have enough available funds to cover all of your transactions. When several debits arrive the same business day for payment from your Account and you do not have enough available funds in your Account to cover all of the debits we receive for that day, you understand that some posting orders can result in more overdrafts, and more fees for overdraft items and returned items, than if we had used other posting orders. You agree that we may in our discretion choose our posting orders, and also change them from time to time, regardless of whether additional fees may result. When your Account balance includes some funds that are not available at the time that we post a debit, and you do not have enough available funds in your Account to cover the debit, the debit results in an overdraft and we generally charge you an overdraft fee or returned item fee for the debit. We do not show holds or distinguish between available and unavailable funds in your Account balance on your statement. Conta se isso cria um saque a descoberto e se uma taxa de saque a descoberto ou item devolvido se aplica. Você deve observar que às vezes autorizamos uma transação no momento em que você tem fundos disponíveis suficientes para cobri-la, mas como outras transações são lançadas antes dela e reduzem seu saldo, a transação cria um saque a descoberto quando a lançamos em sua Conta. Você pode evitar taxas para saques a descoberto e itens devolvidos, certificando-se de que sua Conta sempre contenha fundos disponíveis suficientes para cobrir todas as suas transações. Quando o saldo da sua Conta inclui alguns fundos que estão sujeitos a uma retenção, controvérsia ou processo legal, você deve observar que esses fundos não estão disponíveis para cobrir suas transações. Nossas ordens de lançamento podem afetar o número de taxas de cheque especial que cobramos quando você não tem fundos disponíveis suficientes para cobrir todas as suas transações. Quando vários débitos chegam no mesmo dia útil para pagamento de sua conta e você não tem fundos disponíveis suficientes em sua Conta para cobrir todos os débitos que recebemos naquele dia, você entende que algumas ordens de lançamento podem resultar em mais saques a descoberto e muito mais taxas para itens a descoberto e itens devolvidos, do que se tivéssemos usado outras ordens de lançamento. Você concorda que podemos, a nosso critério, escolher nossas ordens de lançamento e também alterá-los de tempos em tempos, independentemente de taxas adicionais que possam resultar. Quando o saldo de sua conta inclui alguns fundos que não estão disponíveis no momento em que lançamos um débito e você não tem fundos disponíveis suficientes em sua Conta para cobrir o débito, o débito resulta em um saque a descoberto e geralmente cobramos uma taxa de cheque especial ou taxa de item devolvido para o débito. Não mostramos retenções ou fazemos distinção entre fundos disponíveis e indisponíveis no saldo de sua Conta em seu extrato.

Overdraft Fees. We generally determine at the time we post a debit to your Account account whether it creates an overdraft and whether an overdraft or returned item fee applies. You should note that sometimes we authorize a transaction at a time when you have enough available funds to cover it, but because other transactions post before it and reduce your balance, the transaction creates an overdraft when we post it to your Accountaccount. You can avoid fees for overdrafts and returned items by making sure that your Account account always contains enough available funds to cover all of your transactions. When your Account account balance includes some funds that are subject to a hold, dispute dispute, or Legal Processlegal process, you should note that those funds are not available to cover your transactions. We offer services to help you manage and keep track of your finances, such as Online Banking and Online Alerts. Please see “How to Get Started” at the beginning of this agreement. Our posting orders can impact the number of overdraft fees we charge you when you do not have enough available funds to cover all of your transactions. When several debits arrive the same business day for payment from your Account account and you do not have enough available funds in your Account account to cover all of the debits we receive for that day, you understand that some posting orders can result in more overdrafts, and more fees for overdraft items and returned items, than if we had used other posting orders. You agree that we may in our discretion choose our posting orders, and also change them from time to time, regardless of whether additional fees may result. When your Account account balance includes some funds that are not available at the time that we post a debit, and you do not have enough available funds in your Account account to cover the debit, the debit results in an overdraft and we generally charge you an overdraft item fee or returned item fee for the debit. We You should note that we do not show holds holds, or distinguish between available and unavailable funds in your Account account balance on your statementstatement so, when you review your statement later, it may appear that you had enough available funds in your account to cover a debit for which we charged you a fee. Processing Deposits and Cashed Items We may forward deposits, cashed items and other transaction requests for an account to one of our processing centers. We may use the date that our processing center receives the transaction as the effective date of the transaction. Cashing Items or Accepting Items for Deposit We may accept, accept for collection only, refuse, or return all or part of any deposit. If we accept checks or other items for deposit to your account or cash them, you are responsible for the checks and other items if there is a subsequent problem with them.  If we cash a check or other item for you or credit it to your account and it is not paid for any reason, we may charge your account for the amount of the check or other item, even if this causes your account to become overdrawn.  We may accept a check or other item for deposit to your account from anyone. We do not have to question the authority of the person making the deposit.  If your account is overdrawn, we may use the deposit to pay the overdraft and any fees you owe us.  We may adjust your account for any deposit errors, even if you have already withdrawn all or part of the deposit, though we reserve the right not to do so in every case.  We may refuse to accept for deposit to your account items payable to another person.  In receiving checks or other items for deposit or collection, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. We are not responsible for errors and delays made by others in the collection process.  When you send us deposits by mail, we may treat them as received at the time we receive actual delivery of deposits sent by mail. If you place deposits in other depositories, we may treat them as received when we remove the deposits from other depositories.  We may assess a charge for processing cash in a deposit.  If you give us cash that we later determine to be counterfeit, we may charge your account for the amount we determine to be counterfeit.  You will not knowingly deposit items into your account that do not have either a true original signature of the person on whose account it is drawn or an authorized mechanical reproduction of that person’s signature.  If we receive a cash deposit in unusual denominations, such as a large number of coins, we may reject the request or assess a fee for processing the deposit.  We may require ID or impose other conditions before accepting a deposit. Deposit Slips You should always use our personalized deposit slips with your preprinted name and account number. If you use a blank deposit slip from one of our banking centers, rather than your personalized deposit slip, we are not liable to you for errors that may result from your or our hand encoding the account information. Checks, Cashier’s Checks, and Similar Items We cannot generally verify that checks, money orders, cashier’s checks or similar items are authentic and valid at the time you ask us to cash them or accept them for deposit. If we cash, or accept for deposit, a check, a money order, cashier’s check or similar item and we later learn that the item is fraudulent, counterfeit or invalid for some other reason, we may charge your account for the amount of the item. This may occur even if we previously made the funds available to you, or this causes your account to become overdrawn. Local Items Local items include, but are not limited to, items presented which are in U.S. Dollars and drawn on a bank located in the United States, or in the country in which the item is presented. Foreign Items Foreign items include, but are not limited to items presented which are drawn on a bank in a country other than the country in which the account was established; or an item which is issued in a currency other than U.S. Dollars or some other currency that may be available in the country in which the transaction is being processed. You should be especially cautious about accepting items drawn on banks located outside of the United States and / or the country in which the account was established. Checks Lost in the Collection Process When we cash a check for you or accept a check for deposit to your account, we are acting as your agent in collecting the check. We are not responsible if the check is lost or delayed in the collection process. We may charge your account for the amount of the check, even if this causes your account to become overdrawn, if a check is lost during the collection process or if the financial institution on which the check is drawn gives us a photocopy of the check or a debit slip representing the check. A check that was lost may not be returned to us for some time. Despite any delay, we may charge your account when we receive either the returned check, a copy of the check, or a notice of return. Collection Items We may accept certain items — such as certain securities and checks payable in foreign currencies or at foreign locations — on a collection basis only. We route and process collection items separately. We normally credit your account for collection items only after we receive payment for them. But if we do credit your account and then do not receive payment, we may debit your account for the amount of the item, even if this causes your account to become overdrawn. We charge fees for processing collection items. Financial institutions in the collection process and the financial institution on which the collection item is drawn may also charge fees. If a financial institution requires payment of a fee before that institution will process the collection item, we may pay the fee and charge your account.