Common use of Overdraft Service Clause in Contracts

Overdraft Service. We offer a discretionary overdraft service (Overdraft Privilege) to cover overdrafts on your checking accounts. Overdraft Privilege means that we may in our discretion honor and pay your checks or items drawn against insufficient funds so that your checks or transactions are not returned unpaid. For overdrafts resulting from ATM and debit card purchase transactions you must opt-in to the Overdraft Privilege service for these accounts before we can offer the service or charge a fee for payment of any overdrafts. For all other transactions, Overdraft Privilege is made available only to members meeting specific qualifying criteria. In order to be eligible to receive Overdraft Privilege you must be a member in good standing. Other qualifying criteria may apply. Not all members may qualify. Overdraft Privilege may apply to checks you have drawn against insufficient funds in your checking account(s) with us, as well as other transfer or withdrawal request(s) you have authorized (such as, but not limited to, preauthorized transfers) for which funds are insufficient. We may, at our sole discretion, but are not obligated to, make payment on such overdrawn checks, transfers, and/or withdrawal requests in any order at our option or return the overdrawn checks, transfers, and/or withdrawal requests unpaid. Regardless, we are not liable for any action we take regarding payment or nonpayment of an overdrawn check, transfer, or withdrawal request. If we choose to pay an overdrawn check, transfer, or withdrawal request, you will be subject to a fee(s) in the amount as set forth in the accompanying Rate and Fee Schedule for each transaction. In that event, you understand and agree that you are obligated to reimburse us and you are required to deposit with us sufficient good funds to cover the overdrawn check, transfer, or withdrawal request paid by us under Overdraft Privilege and pay the applicable fee(s). You agree that we have the right to transfer available funds from your other accounts you may have with us to cover the overdrawn checks, transfer, or withdrawal request and pay the applicable fee(s). If we choose not to pay the overdrawn check, transfer, or withdrawal request, you are subject to the applicable fee(s) for each such item in the amount set forth in our Rate and Fee Schedule. We may charge a fee each time a check or item is submitted or resubmitted for payment. Therefore, you may be assessed more than one fee as a result of a returned item or resubmission(s) of the returned item. We reserve the right to limit the number of overdrawn checks and the total dollar amount of overdrawn checks, transfers, and/or withdrawal request that may be paid under the Overdraft Protection plan at any time. Further, we do not guarantee payment of any overdrawn check, transfer, or withdrawal request. You understand that if we permit payment of an overdrawn check, transfer, or withdrawal request, we are not required to notify you. You may opt-out of the Overdraft Privilege service at any time by contacting the Credit Union. In addition, we may discontinue Overdraft Privilege at any time without prior notice.

Overdraft Service. We offer a discretionary overdraft service (Overdraft PrivilegeCourtesy Pay) to cover overdrafts on your checking accounts. Overdraft Privilege Courtesy Pay means that we may in our discretion honor and pay your checks or items drawn against insufficient funds so that your checks or transactions are not returned unpaid. For overdrafts resulting from ATM and debit card purchase transactions you must opt-in to the Overdraft Privilege Courtesy Pay service for these accounts before we can offer the service or charge a fee for payment of any overdrafts. For all other transactions, Overdraft Privilege Courtesy Pay is made available only to members meeting specific qualifying criteria. In order to be eligible to receive Overdraft Privilege Courtesy Pay you must be a member in good standing. Other qualifying criteria may apply. Not all members may qualify. Overdraft Privilege Courtesy Pay may apply to checks you have drawn against insufficient funds in your checking account(s) with us, as well as other transfer or withdrawal request(s) you have authorized (such as, but not limited to, preauthorized transfers) for which funds are insufficient. We may, at our sole discretion, but are not obligated to, make payment on such overdrawn checks, transfers, and/or withdrawal requests in any order at our option or return the overdrawn checks, transfers, and/or withdrawal requests unpaid. Regardless, we are not liable for any action we take regarding payment or nonpayment of an overdrawn check, transfer, or withdrawal request. If we choose to pay an overdrawn check, transfer, or withdrawal request, you will be subject to a fee(s) in the amount as set forth in the accompanying Rate and Fee Schedule for each transaction. In that event, you understand and agree that you are obligated to reimburse us and you are required to deposit with us sufficient good funds to cover the overdrawn check, transfer, or withdrawal request paid by us under Overdraft Privilege Courtesy Pay and pay the applicable fee(s). You agree that we have the right to transfer available funds from your other accounts you may have with us to cover the overdrawn checks, transfer, or withdrawal request and pay the applicable fee(s). If we choose not to pay the overdrawn check, transfer, or withdrawal request, you are subject to the applicable fee(s) for each such item in the amount set forth in our Rate and Fee Schedule. We may charge a fee each time a check or item is submitted or resubmitted for payment. Therefore, you may be assessed more than one fee as a result of a returned item or resubmission(s) of the returned item. We reserve the right to limit the number of overdrawn checks and the total dollar amount of overdrawn checks, transfers, and/or withdrawal request that may be paid under the Overdraft Protection plan at any time. Further, we do not guarantee payment of any overdrawn check, transfer, or withdrawal request. You understand that if we permit payment of an overdrawn check, transfer, or withdrawal request, we are not required to notify you. You may opt-out of the Overdraft Privilege Courtesy Pay service at any time by contacting the Credit Union. In addition, we may discontinue Overdraft Privilege Courtesy Pay at any time without prior notice.

Overdraft Service. We offer The Credit Union may, as a discretionary service and not as a right of yours or obligation to you, pay overdrafts up to a limit determined by your individual account activity. The Credit Union's fees, charges, and each paid check or item will be included in this limit. This overdraft balance will not be included in or reflected on your actual or available balance of your account provided by a teller, at ATM or POS facilities, through online services, or on your periodic statements. This overdraft service is not a line of credit, is not guaranteed, and is independent of any other payment arrangement the Credit Union may offer. Generally, the Credit Union will not pay an overdraft in excess of any limit established for your account type. Also, the Credit Union may refuse to pay an overdraft at any time, even if the Credit Union has previously paid such overdrafts. The Credit Union will notify you by mail of any insufficient funds, checks, or items, paid or unpaid and returned, you may have. However, the Credit Union has no obligation to notify you before paying or returning any item. The following transactions (Overdraft Privilegeoverdrafts) may be covered under this service: checks, ACH debits and other payments or withdrawals authorized by you, account service charges, pre-authorized drafts, and any other items that may be posted to cover overdrafts on your checking accountsaccount. Overdraft Privilege means that we may Point-of-sale (POS) and ATM transactions will not be covered by this service unless you specifically opt in our discretion honor for POS and ATM coverage. The Credit Union reserves the right to pay your any checks or items drawn against insufficient funds so that your checks in the order they are presented or transactions are not returned unpaidreceived and in accordance with normal operating procedures for such checks, items, or transactions. For overdrafts resulting from ATM and debit card purchase transactions you must opt-in to the Overdraft Privilege service for these accounts before we can offer the service or charge a You will be charged an NSF/Returned Item fee for payment of any overdrafts. For all other transactions, Overdraft Privilege is made available only to members meeting specific qualifying criteria. In order to be eligible to receive Overdraft Privilege you must be a member in good standing. Other qualifying criteria may apply. Not all members may qualify. Overdraft Privilege may apply to checks you have drawn against insufficient funds in your checking account(s) with us, as well as other transfer each paid overdraft check or withdrawal request(s) you have authorized (such as, but not limited to, preauthorized transfers) for which funds are insufficient. We may, at our sole discretion, but are not obligated to, make payment on such overdrawn checks, transfers, and/or withdrawal requests in any order at our option or return the overdrawn checks, transfers, and/or withdrawal requests unpaid. Regardless, we are not liable for any action we take regarding payment or nonpayment of an overdrawn check, transfer, or withdrawal request. If we choose to pay an overdrawn check, transfer, or withdrawal request, you will be subject to a fee(s) in the amount item as set forth in the accompanying Rate and Fee Schedule for each transaction. In that event, you understand and agree that you are obligated to reimburse us and you are required to deposit with us sufficient good funds to cover the overdrawn check, transfer, or withdrawal request paid by us under Overdraft Privilege and pay the applicable fee(s). You agree that we have the right to transfer available funds from your other accounts you may have with us to cover the overdrawn checks, transfer, or withdrawal request and pay the applicable fee(s). If we choose not to pay the overdrawn check, transfer, or withdrawal request, you are subject to the applicable fee(s) for each such item in the amount set forth in our Rate and Fee Schedule. We may charge a fee each time a check There is no limit to the number of overdrafts paid or item fees incurred on any one (1) day. You agree your overdraft balance, including applicable overdraft fees, is submitted or resubmitted for paymentdue and payable upon demand. Therefore, you may be assessed If there is more than one fee owner on an account, all owners are jointly and severally liable for repayment of any overdraft balance. Accounts may be closed for failure to repay overdraft balances and the Credit Union will report account closures to applicable consumer reporting agencies. The Credit Union offers the overdraft service as a result of a returned item or resubmission(s) of the returned itemconvenience to members for incidental overdrafts. We reserve the right to limit the number of overdrawn checks and the total dollar amount of overdrawn checks, transfers, and/or withdrawal request that may be paid under the Overdraft Protection plan at any time. Further, we do The Credit Union does not guarantee payment of any overdrawn check, transfer, or withdrawal request. You understand that if we permit payment of an overdrawn check, transfer, or withdrawal request, we are not required to notify you. You may opt-out of the Overdraft Privilege service at any time by contacting the Credit Union. In addition, we may discontinue Overdraft Privilege at any time without prior noticeencourage repeated account overdraws.

Overdraft Service. We offer The Credit Union may, as a discretionary service and not as a right of yours or obligation to you, pay overdrafts up to a limit determined by your individual account activity. The Credit Union's fees, charges, and each paid check or item will be included in this limit. This overdraft balance will not be included in or reflected on your actual or available balance of your account provided by a teller, at ATM or POS facilities, through online services, or on your periodic statements. This overdraft service is not a line of credit, is not guaranteed, and is independent of any other payment arrangement the Credit Union may offer. Generally, the Credit Union will not pay an overdraft in excess of any limit established for your account type. Also, the Credit Union may refuse to pay an overdraft at any time, even if the Credit Union has previously paid such overdrafts. The Credit Union will notify you by mail of any insufficient funds, checks, or items, paid or unpaid and returned, you may have. However, the Credit Union has no obligation to notify you before paying or returning any item. The following transactions (Overdraft Privilegeoverdrafts) may be covered under this service: checks, ACH debits and other payments or withdrawals authorized by you, account service charges, pre-authorized drafts, and any other items that may be posted to cover overdrafts on your checking accountsaccount. Overdraft Privilege means that we may Point-of-sale (POS) and ATM transactions will not be covered by this service unless you specifically opt in our discretion honor for POS and ATM coverage. The Credit Union reserves the right to pay your any checks or items drawn against insufficient funds so that your checks in the order they are presented or transactions are not returned unpaidreceived, and in accordance with normal operating procedures for such checks, items, or transactions. For overdrafts resulting from ATM and debit card purchase transactions you must opt-in to the Overdraft Privilege service for these accounts before we can offer the service or charge a You will be charged an NSF/Returned Item fee for payment of any overdrafts. For all other transactions, Overdraft Privilege is made available only to members meeting specific qualifying criteria. In order to be eligible to receive Overdraft Privilege you must be a member in good standing. Other qualifying criteria may apply. Not all members may qualify. Overdraft Privilege may apply to checks you have drawn against insufficient funds in your checking account(s) with us, as well as other transfer each paid overdraft check or withdrawal request(s) you have authorized (such as, but not limited to, preauthorized transfers) for which funds are insufficient. We may, at our sole discretion, but are not obligated to, make payment on such overdrawn checks, transfers, and/or withdrawal requests in any order at our option or return the overdrawn checks, transfers, and/or withdrawal requests unpaid. Regardless, we are not liable for any action we take regarding payment or nonpayment of an overdrawn check, transfer, or withdrawal request. If we choose to pay an overdrawn check, transfer, or withdrawal request, you will be subject to a fee(s) in the amount item as set forth in the accompanying Rate and Fee Schedule for each transaction. In that event, you understand and agree that you are obligated to reimburse us and you are required to deposit with us sufficient good funds to cover the overdrawn check, transfer, or withdrawal request paid by us under Overdraft Privilege and pay the applicable fee(s). You agree that we have the right to transfer available funds from your other accounts you may have with us to cover the overdrawn checks, transfer, or withdrawal request and pay the applicable fee(s). If we choose not to pay the overdrawn check, transfer, or withdrawal request, you are subject to the applicable fee(s) for each such item in the amount set forth in our Rate and Fee Schedule. We may charge a fee each time a check There is no limit to the number of overdrafts paid or item fees incurred on any one (1) day. You agree your overdraft balance, including applicable overdraft fees, is submitted or resubmitted for paymentdue and payable upon demand. Therefore, you may be assessed If there is more than one fee owner on an account, all owners are jointly and severally liable for repayment of any overdraft balance. Accounts may be closed for failure to repay overdraft balances and the Credit Union will report account closures to applicable consumer reporting agencies. The Credit Union offers the overdraft service as a result of a returned item or resubmission(s) of the returned itemconvenience to members for incidental overdrafts. We reserve the right to limit the number of overdrawn checks and the total dollar amount of overdrawn checks, transfers, and/or withdrawal request that may be paid under the Overdraft Protection plan at any time. Further, we do The Credit Union does not guarantee payment of any overdrawn check, transfer, or withdrawal request. You understand that if we permit payment of an overdrawn check, transfer, or withdrawal request, we are not required to notify you. You may opt-out of the Overdraft Privilege service at any time by contacting the Credit Union. In addition, we may discontinue Overdraft Privilege at any time without prior noticeencourage repeated account overdraws.

Overdraft Service. We A. Fee-Free Overdraft ONE does not offer a discretionary traditional fee-based overdraft service (Overdraft Privilege) to cover overdrafts on your checking accounts. Overdraft Privilege means that we may in our discretion honor and pay your checks or items drawn against insufficient funds so that your checks or transactions are not returned unpaid. For overdrafts resulting from ATM and debit card purchase transactions you must opt-in to the Overdraft Privilege service for these accounts before we can offer the service or charge a fee for payment of any overdrafts. For all other transactions, Overdraft Privilege is made available only to members meeting specific qualifying criteria. In order to be eligible to receive Overdraft Privilege you must be a member in good standing. Other qualifying criteria may apply. Not all members may qualify. Overdraft Privilege may apply to checks you have drawn against insufficient funds in your checking account(s) with us, as well as other transfer or withdrawal request(s) you have authorized (such as, but not limited to, preauthorized transfers) for which funds are insufficient. We may, at our sole discretion, but are not obligated to, make payment on such overdrawn checks, transfers, and/or withdrawal requests in any order at our option or return the overdrawn checks, transfers, and/or withdrawal requests unpaid. Regardless, we are not liable for any action we take regarding payment or nonpayment of an overdrawn check, transfer, or withdrawal requestservice. If we choose to pay an overdrawn check, transfer, or withdrawal requestyou become a Direct Deposit Customer, you will be subject to a fee(s) automatically enrolled in the amount as set forth in the accompanying Rate and Fee Schedule for each transaction. In that event, our fee-free overdraft service when you understand and agree that you are obligated to reimburse us and you are required to deposit with us sufficient good funds to cover the overdrawn check, transfer, or withdrawal request paid by us under Overdraft Privilege and pay the applicable fee(smake qualifying Direct Deposits (“Fee-Free Overdraft”). You agree that we have the right to transfer available funds from your other accounts you may have with us to cover the overdrawn checks, transfer, or withdrawal request and pay the applicable fee(s). If we choose not to pay the overdrawn check, transfer, or withdrawal request, you are subject to the applicable fee(s) for each such item opt out of Fee-Free Overdraft in the amount set forth ONE App. Fee- Free Overdraft will apply in our Rate and Fee Schedulethe event that a withdrawal or other transaction in your Checking Tab will result in a negative balance in that Tab. Certain features, such as mail a check may not be eligible for Fee-Free Overdraft. Fee-Free Overdraft service may not be available at all times to all customers. There is no fee for this service. We may charge a fee each time a check or item is submitted or resubmitted for payment. Therefore, you may be assessed more than one fee as a result of a returned item or resubmission(s) of the returned itempay overdrafts at our discretion. We reserve the right to limit the number of overdrawn checks and the total dollar amount of overdrawn checks, transfers, and/or withdrawal request that may be paid under the Overdraft Protection plan at any time. Further, we do not guarantee payment of any overdrawn check, transfer, or withdrawal requestwe will always pay a transaction that would result in an overdraft. You understand that Even if we permit payment of an overdrawn check, transfer, or withdrawal requesthave paid overdraft transactions before, we are not required to notify youpay them in the future. We may pay or not pay (return) any transaction if your Account balance is less than the amount of that transaction. You agree to hold us harmless for any decision we make to not pay an overdraft. The available balance shown to you in the ONE App may opt-out not be the same amount used to pay your transactions as some transactions may not be displayed to you when we make our determination. Under no circumstance, will we authorize a transaction that would result in a negative balance in your Checking Tab exceeding $200. You must immediately pay the amount of any overdraft. We may report you to consumer reporting agencies, close your Account, or both if you fail to repay an overdraft. This could affect your ability to open accounts in the future. Subject to applicable law, you authorize us to use the money from any subsequent deposits to your Spend Pocket (including but not limited to a direct deposit of Social Security or any other state or federal benefit payment) to repay an overdraft or other negative balance. You authorize us to use funds in a pocket other than your Checking Tab or any other account you have at the Bank to repay any unpaid overdraft or negative balance. You agree to pay all costs and expenses we incur in collecting any overdraft or negative balance. We may still pursue collection of the Overdraft Privilege service at any time by contacting the Credit Unionamount you owe (including litigation) after it is charged off. In addition, we may discontinue Overdraft Privilege at any time without prior noticeIt’s your responsibility to avoid overdrawing your Account.

Overdraft Service. We offer a discretionary overdraft service (“Overdraft PrivilegeService”) to cover overdrafts on your checking accounts. The Credit Union offers this Overdraft Privilege means that we may in our discretion honor and pay your checks or items drawn against insufficient funds so that your checks or transactions are not returned unpaid. For overdrafts resulting from ATM and debit card purchase transactions you must opt-in Service to the Overdraft Privilege service for these accounts before we can offer the service or charge a fee for payment of any overdrafts. For all other transactions, Overdraft Privilege is made available only to members meeting specific qualifying criteria. In order to be eligible to receive Overdraft Privilege you must be a member in good standing. Other qualifying criteria may apply. Not all members may consumer checking account owners who qualify. Overdraft Privilege may apply Service is not offered to checks you have drawn against insufficient funds in your checking account(s) with minors, fiduciary accounts, or anyone who has caused a financial loss to us, as well as other transfer or withdrawal request(s) you have authorized (such as, but not limited to, preauthorized transfers) . Overdraft Service is provided to qualified accounts automatically for which funds are insufficient. We may, at our sole discretion, but are not obligated to, make payment on such overdrawn checks, transfersACH, and/or withdrawal requests in any order at our option or return the overdrawn checks, transfers, and/or withdrawal requests unpaidand online transactions. Regardless, we are not liable for any action we take regarding payment or nonpayment of an overdrawn check, transfer, or withdrawal request. If we choose to pay an overdrawn check, transfer, or withdrawal request, you will be subject to a fee(s) in the amount as set forth in the accompanying Rate and Fee Schedule for each transaction. In that event, you understand and agree that you are obligated to reimburse us and you are required to deposit with us sufficient good funds to cover the overdrawn check, transfer, or withdrawal request paid by us under Overdraft Privilege and pay the applicable fee(s). You agree that we Members have the right option to transfer available funds from your other accounts you may have with us to cover the overdrawn checks, transfer, or withdrawal request and pay the applicable fee(s). If we choose not to pay the overdrawn check, transfer, or withdrawal request, you are subject to the applicable fee(s) for each such item in the amount set forth in our Rate and Fee Schedule. We may charge a fee each time a check or item is submitted or resubmitted for payment. Therefore, you may be assessed more than one fee as a result of a returned item or resubmission(s) of the returned item. We reserve the right to limit the number of overdrawn checks and the total dollar amount of overdrawn checks, transfers, and/or withdrawal request that may be paid under the Overdraft Protection plan at any time. Further, we do not guarantee payment of any overdrawn check, transfer, or withdrawal request. You understand that if we permit payment of an overdrawn check, transfer, or withdrawal request, we are not required to notify you. You may opt-out of the Overdraft Privilege service at any time by contacting time. Overdraft Service will be provided for debit card purchase transactions only if you expressly request (“opt-in”) it for these transactions. d. Terms & Conditions of Overdraft Service. Overdrafts will be provided under the Credit Unionfollowing terms and conditions. In additioni. Discretionary Service. Under the Overdraft Service, we are not obligated to pay any check or item presented for payment if your account does not contain sufficient funds. We may, as a discretionary service and not as a right of yours or our obligation to you, pay overdrafts up to an approved limit under the terms of this service and subject to this Agreement. This Overdraft Service is not a line of credit, is not guaranteed, and is independent of any loan arrangement you may have with us. We will not pay an overdraft in excess of any limit we have established for your account type. Additionally, we may discontinue Overdraft Privilege refuse to pay an overdraft for you at any time without prior notice.time, even if we have previously paid overdrafts for you. ii. Overdraft Transactions Covered. The overdraft service is provided to qualified accounts automatically for checks, ACH, and xxxx payment transactions. Subject to the opt-in requirement set forth above, if on any day you do not have available funds in your account, the following transactions, which may result in an insufficient or negative balance (“overdrafts”), may be covered under our service: debit card purchases; online or other electronic funds transfers; or withdrawals authorized by you; account service charges; pre-authorized drafts; and any other items

Overdraft Service. We offer a discretionary Generally, our overdraft service (Overdraft Privilege) to cover overdrafts is included on your checking accountsaccount at the time you open it. Overdraft Privilege This means that should you inadvertently overdraw your account, we may in our have the discretion honor and to pay your checks or items drawn against insufficient funds so that your checks or transactions are not returned unpaid. For overdrafts resulting from ATM and debit card purchase transactions you must opt-in to the Overdraft Privilege service for these accounts before we can offer the service or charge a fee for payment of any overdrafts. For all other transactions, Overdraft Privilege is made available only to members meeting specific qualifying criteria. In order to be eligible to receive Overdraft Privilege you must be a member in good standing. Other qualifying criteria may apply. Not all members may qualify. Overdraft Privilege may apply to checks you have drawn against insufficient funds in your checking account(s) with us, as well as other transfer or withdrawal request(s) you have authorized (such as, but not limited to, preauthorized transfers) for which funds are insufficient. We may, at our sole discretion, but are not obligated to, make payment on such overdrawn checks, transfers, and/or withdrawal requests in any order at our option or return the overdrawn checks, transfers, and/or withdrawal requests unpaid. Regardless, we are not liable for any action we take regarding payment or nonpayment of an overdrawn check, transfer, or withdrawal requestoverdraft item. If we choose pay an overdraft item, then an Overdraft/NSF fee will be assessed on your account per item paid. At our discretion, if we make the decision to return an item, an Overdraft/NSF fee will be assessed on your account per item returned. Our overdraft service does not cover ATM withdrawals or everyday card transactions, unless you provide your consent. Further details about ATM withdrawals, debit card transactions, and other electronic items are explained in our Electronic Funds Transfer Disclosure. It is within our discretion to pay or not pay items that overdraw your account, and by having an overdrawn check, transfer, or withdrawal request, you will be subject overdraft service connected to your account is not a fee(s) in guarantee of payment on all transactions. It is also the amount as set forth in the accompanying Rate and Fee Schedule for each transaction. In that event, you understand and agree that you are obligated bank’s discretion to reimburse us and you are required to deposit with us sufficient good funds to cover the overdrawn check, transfer, or withdrawal request paid by us under Overdraft Privilege and pay the applicable fee(s). You agree that we have the right to transfer available funds remove overdraft abilities from your other accounts you may have with us to cover the overdrawn checks, transfer, or withdrawal request and pay the applicable fee(s). If we choose not to pay the overdrawn check, transfer, or withdrawal request, you are subject to the applicable fee(s) for each such item in the amount set forth in our Rate and Fee Schedule. We may charge a fee each time a check or item is submitted or resubmitted for payment. Therefore, you may be assessed more than one fee as a result of a returned item or resubmission(s) of the returned item. We reserve the right to limit the number of overdrawn checks and the total dollar amount of overdrawn checks, transfers, and/or withdrawal request that may be paid under the Overdraft Protection plan account at any time. Further, we do not guarantee payment of any overdrawn check, transfer, or withdrawal request. You understand that if we permit payment of an overdrawn check, transfer, or withdrawal request, we are not required without notice to notify you. You may opt-out of the Overdraft Privilege service also request us to remove overdraft services on your account at any time by contacting one of our branches. Note that our overdraft service is not a line of credit. Should the Credit Unionbank pay your account into overdraft status, you agree to bring your account balance positive within a reasonable timeframe. In additionIf your account remains at a negative balance for four (4) consecutive business days, your account will be assessed a Continual Negative Balance fee (as defined in the Fee Schedule) each business day until the balance is positive. A negative balance may result due to an Overdraft/NSF, or other fees. Setoff and Security Interest To the extent prohibited by law, if you owe a debt to us (either now or in the future), you grant us a right of setoff to, and a security interest in, all of your accounts to secure the debt. Debts include any overdrafts or fees you owe, as well as amounts owed us by another person or entity if you have guaranteed that you will pay their debts. If the debt is due or overdue, we may discontinue Overdraft Privilege use the funds in any of your accounts to pay all or part of the debt. If your account is a joint account, we may use the funds in the joint account to pay the debt of any account owner. Our security interest will be governed by Uniform Commercial Code Article 9, whether Article 9 applies by its terms or not. We do not have to give you any prior notice to apply the funds. You expressly agree that our rights extend to any electronically deposited federal or state benefit payments (including Social Security benefits). If you do not want your benefits applied in this way, you may change your direct deposit instructions at any time without prior noticewith the person or organization paying the benefits. If any federal benefits or other payments are deposited to your account after you become ineligible to receive them, we may setoff against any of your accounts to recover the payments if we're obligated to return funds to the payor. Deposit Account Statements and Notices For checking accounts, statements will be made available to you monthly. For savings accounts, statements will be made available to you quarterly. Other than the crediting of interest, if you have had electronic transactions on your savings account, then statements will be made available to you monthly. Certificate of Deposit (CD) statements will be made available to you annually. If you request to combine CD detail with a checking account, then the CD information that will be included will be minimal CD detail, not a full statement. The specific dates covered by your account statement will be on your statement. You will receive statements by mail (fee may apply), unless you choose to receive electronic statements (no fee). If you choose to receive your statements electronically, you can access them through Xxxxxxxxxxxxxx.xxx. We have made the statement available to you on the day we notify you that the electronic statement is available or the day we mail your paper statement to you. If your address or email is not valid, the statement will be considered available to you on the day we generated it. If you receive paper statements, we will send statements to the current mailing address listed on our records. Statements will be sent via USPS mail. If we receive returned mail for you, we will attempt to contact you via the contact information we have on file for you, in order to update our records. A Returned Mail fee will apply. Combined Statements Accounts with common ownership may be combined on a single statement, at your request. If accounts are included on a combined statement and you don't want that, notify us and we'll separate the statements. That change will affect only future statements.

Overdraft Service. We offer a discretionary overdraft service (Overdraft Privilege) to cover overdrafts on your checking accountsService is available for eligible accounts and not all accounts will qualify. Overdraft Privilege means that we may in our discretion honor and pay your checks or items drawn against insufficient funds so that your checks or transactions are not returned unpaid. For overdrafts resulting from ATM and debit card purchase transactions you You must opt-in to the Overdraft Privilege service for these accounts before we can offer the service or charge a fee for payment of any overdrafts. For all other transactions, Overdraft Privilege is made available only to members meeting specific qualifying criteria. In order meet certain criteria to be eligible for Overdraft Service. There is an overdraft fee for each Item paid using Overdraft Service. We are not obligated to receive Overdraft Privilege pay any Item presented for payment if your account does not contain a sufficient Available balance. However, if you must be a member maintain your account in good standing. Other qualifying criteria , we may apply. Not all members may qualifyapprove your overdraft Items within your available overdraft limit balance as a non-contractual courtesy. Overdraft Privilege Service is not a loan. Overdraft Service is a discretionary service from which you benefit. We may apply refuse to checks pay an overdraft Item for you at any time even though we may have previously paid overdrafts for you and even though you have drawn against insufficient available funds in your checking account(soverdraft limit balance. Your Overdraft Service limit (overdraft limit balance) with usis personalized and may change often, as well as other transfer increasing or withdrawal request(sdecreasing, based on account history. Factors that influence the limit amount will include: (1) you have authorized how long the account has been open, (such as, but not limited to, preauthorized transfers2) for which funds are insufficient. We may, at our sole discretion, but are not obligated to, make payment on such overdrawn checks, transfers, and/or withdrawal requests in any order at our option or return the overdrawn checks, transfers, and/or withdrawal requests unpaid. Regardless, we are not liable for any action we take regarding payment or nonpayment of an overdrawn check, transfer, or withdrawal request. If we choose to pay an overdrawn check, transfer, or withdrawal request, you will be subject to a fee(s) in the amount as set forth in of deposits made, and (3) the accompanying Rate and Fee Schedule for each transaction. In that event, you understand and agree that you are obligated to reimburse us and you are required to deposit with us sufficient good funds to cover frequency of the overdrawn check, transfer, or withdrawal request paid by us under Overdraft Privilege and pay the applicable fee(s). You agree that we have the right to transfer available funds from your other accounts you may have with us to cover the overdrawn checks, transfer, or withdrawal request and pay the applicable fee(s). If we choose not to pay the overdrawn check, transfer, or withdrawal request, you are subject to the applicable fee(s) for each such item in the amount set forth in our Rate and Fee Scheduledeposits. We may charge a fee each suspend or discontinue Overdraft Service without any prior notice. Overdraft Service will be automatically added as an account feature in accordance with the eligibility rules unless you opt out. You may opt out of Overdraft Service at any time a check or item is submitted or resubmitted for paymentby providing notice to us. Therefore, you The notice may be assessed more than one by phone, in person, or in writing. You are responsible for any overdrawn balances at the time of opting out. Generally, we will not approve an Item for you in excess of the overdraft limit balance assigned to your account. So as not to exceed your overdraft limit balance, please note that the amount of the Item plus the standard overdraft fee per Item will be deducted from the overdraft limit balance. Overdraft Service should not be viewed as an encouragement to overdraw your account. As always, we encourage you to manage your finances responsibly. If you would like to have this service removed from your account, please call (000) 000-0000. Please note that your overdraft limit balance will not be reflected in your Available balance provided by a teller, at the ATM/ITM, or 24-hour Telephone Banking. Your overdraft limit balance is displayed as a result part of a returned item or resubmission(s) of the returned itemyour Available balance in online banking and appears as overdraft limit balance in our mobile banking app. We reserve LIMITATIONS: United Bank reserves the right to limit the number of overdrawn checks accounts and the total dollar amount types of overdrawn checks, transfers, and/or withdrawal request that may be paid under the accounts eligible for Overdraft Protection plan at any time. Further, we do not guarantee payment of any overdrawn check, transfer, or withdrawal request. You understand that if we permit payment of an overdrawn check, transfer, or withdrawal request, we are not required to notify you. You may opt-out of the Overdraft Privilege service at any time by contacting the Credit Union. In addition, we may discontinue Overdraft Privilege at any time without prior noticeService.

Overdraft Service. We offer The Credit Union, as a discretionary service and not as a right of yours or obligation to you, pays overdrafts up to $1,500 (overdraft balance) on accounts eligible for this service. The Credit Union fees, charges, and each paid check or item will be included in this limit. This overdraft balance will not be included in or reflected on your actual or available balance of your account provided by a teller, at ATM or POS facilities, through online services, or on your periodic statements. This overdraft service is not a line of credit, is not guaranteed, and is independent of any other payment arrangement the Credit Union may offer. Generally, the Credit Union will not pay an overdraft in excess of any limit established for your account type. Also, the Credit Union may refuse to pay an overdraft at any time, even if the Credit Union has previously paid such overdrafts. The Credit Union will notify you by mail of any insufficient funds, checks, or items, paid or unpaid and returned, you may have. However, the Credit Union has no obligation to notify you before paying or returning any item. The following transactions (Overdraft Privilegeoverdrafts) may be covered under this service: checks, ACH debits and other payments or withdrawals authorized by you, account service charges, pre–authorized drafts, and any other items that may be posted to cover overdrafts on your checking accountsaccount. You have the option to Opt-out of the service at any time. Overdraft Privilege means that we may in our discretion honor and pay your checks or items drawn against insufficient funds so that your checks or transactions are not returned unpaid. For overdrafts resulting from ATM and service will be provided for debit card purchase transactions only if you must optexpressly request (“Opt-in to the Overdraft Privilege in”) overdraft service for these accounts before we can offer transactions. The Credit Union reserves the service right to pay any checks or charge a items in the order they are presented or received, and in accordance with normal operating procedures for such checks, items, or transactions. You will be charged an NSF/Returned Item fee for payment of any overdrafts. For all other transactions, Overdraft Privilege is made available only to members meeting specific qualifying criteria. In order to be eligible to receive Overdraft Privilege you must be a member in good standing. Other qualifying criteria may apply. Not all members may qualify. Overdraft Privilege may apply to checks you have drawn against insufficient funds in your checking account(s) with us, as well as other transfer each paid overdraft check or withdrawal request(s) you have authorized (such as, but not limited to, preauthorized transfers) for which funds are insufficient. We may, at our sole discretion, but are not obligated to, make payment on such overdrawn checks, transfers, and/or withdrawal requests in any order at our option or return the overdrawn checks, transfers, and/or withdrawal requests unpaid. Regardless, we are not liable for any action we take regarding payment or nonpayment of an overdrawn check, transfer, or withdrawal request. If we choose to pay an overdrawn check, transfer, or withdrawal request, you will be subject to a fee(s) in the amount item as set forth in the accompanying Rate and Fee Schedule for each transaction. In that event, you understand and agree that you are obligated to reimburse us and you are required to deposit with us sufficient good funds to cover the overdrawn check, transfer, or withdrawal request paid by us under Overdraft Privilege and pay the applicable fee(s). You agree that we have the right to transfer available funds from your other accounts you may have with us to cover the overdrawn checks, transfer, or withdrawal request and pay the applicable fee(s). If we choose not to pay the overdrawn check, transfer, or withdrawal request, you are subject to the applicable fee(s) for each such item in the amount set forth in our Rate and Fee Schedule. We may charge a fee each time a check There is no limit to the number of overdrafts paid or item fees incurred on any one (1) day. You agree your overdraft balance, including applicable overdraft fees, is submitted or resubmitted for paymentdue and payable upon demand. Therefore, you may be assessed If there is more than one fee owner on an account all owners are jointly and severally liable for repayment of any overdraft balance. Accounts may be closed for failure to repay overdraft balances and the Credit Union will report account closures to applicable consumer reporting agencies. The Credit Union offers the overdraft service as a result of a returned item or resubmission(s) of the returned itemconvenience to members for incidental overdrafts. We reserve the right to limit the number of overdrawn checks and the total dollar amount of overdrawn checks, transfers, and/or withdrawal request that may be paid under the Overdraft Protection plan at any time. Further, we do The Credit Union does not guarantee payment of any overdrawn check, transfer, or withdrawal request. You understand that if we permit payment of an overdrawn check, transfer, or withdrawal request, we are not required to notify you. You may opt-out of the Overdraft Privilege service at any time by contacting the Credit Union. In addition, we may discontinue Overdraft Privilege at any time without prior noticeencourage repeated account overdraws.