Paid and Items Returned Unpaid Sample Clauses

Paid and Items Returned Unpaid. If you do not have sufficient funds available in the aggregate from all sources (your available balance and any linked eligible accounts) to cover the amount of an item presented to us for payment, we may, at our sole discretion, either: • Pay the item, even though you do not have a sufficient Available Balance in your account (courtesy pay). If we pay an item, we will do so, regardless of amount, in accordance with our normal operating procedures for such items. If we decide, in our sole discretion, to pay an overdraft, then we will charge you an Overdraft Fee, as provided in our Personal Fee Schedule. When an item is paid and creates an overdraft, you agree and authorize us to pay the item from funds from another of your accounts or from funds subsequently deposited in the account, including direct deposits of governmental benefits, such as Social Security. Any negative balance in your account is immediately due and payable unless we otherwise agree in writing. • Not authorize the debit-card purchase or payment transaction or ATM withdrawal, or not pay and return the check, ACH payment, or other item drawn against non-sufficient or unavailable funds in your account (when the Available Balance in your account is not enough to cover the item), even though we previously established a pattern of honoring such items. We are not obligated to notify you before we decide to not authorize an item or not pay an item.