Common use of Payment of Overdrafts Payment of Overdrafts Clause in Contracts

Payment of Overdrafts Payment of Overdrafts. 1. We are not obligated to pay any itempresented for payment if your account does not contain sufficient available funds. If we pay a transaction that overdraws your account, we are not obligated to continue paying such transactions in the future. We may pay all, some, or none of your overdrafts, without notice to you. If we do not authorize and pay an overdraft, then we decline or return the transaction unpaid. The Fee Schedule for your account explains when we charge you fees for overdraft and for declined or returned items and the dollar amount of the fees. Please review your Fee Schedule for your account carefully. You are liable to us to repay any overdrafts on your account whether you created them or not. If you do not pay us, and we take collection action against you, you agree to pay for our costs of collection. We may close, without notice, any account with excessive insufficient funds activity, and report the account to a consumer reporting agency. 2. We may assess a fee for each item that we either pay, which results in an overdraft, or do not pay, which would have resulted in an overdraft had we paid it. If we pay an item in accordance with our Courtesy Pay Service (described in more detail below), we will charge a Courtesy Pay Fee as disclosed in the Fee Schedule. 3. We recommend that you enroll in one of the optional overdraft protection plans described below. These plans can help you avoid overdrafts and returned items. While fees apply when you use an optional overdraft protection plan, the fees under the plan are less expensive than NSF and Courtesy Pay Fees.

Payment of Overdrafts Payment of Overdrafts. ‌ 1. We are not obligated to pay any itempresented item presented for payment if your account does not contain sufficient available funds. If we pay a transaction that overdraws your account, we are not obligated to continue paying such transactions in the future. We may pay all, some, or none of your overdrafts, without notice to you. If we do not authorize and do not pay an overdraft, then we decline or return the transaction unpaid. The Fee Consumer Schedule of Fees and Charges (“Schedule of Fees and Charges”) for your account explains when we charge you fees for overdraft and for declined or returned items and the dollar amount of the fees. Please review your Fee Schedule of Fees and Charges for your account carefully. You are liable to us to repay any overdrafts on your account whether you created them or not. If you do not pay us, and we take collection action against you, you agree to pay for our costs of collection. We may close, without notice, any account with excessive insufficient funds activity, and report the account to a consumer reporting agency. 2. We may assess a fee for each item that we either pay, which results in an overdraft, or do not pay, which would have resulted in an overdraft had we paid it. If we pay an item in accordance with our Courtesy Pay Service or Select Accept Service (described in more detail below), we will charge a Courtesy Pay Fee as disclosed in the Fee ScheduleSchedule of Fees and Charges. 3. We limit the number of Insufficient Funds (NSF) and Courtesy Pay Fees we charge in a business day. We will not charge a fee if your ending account balance is overdrawn by $5 or less and we pay the item. The maximum number of overdrafts due to insufficient or unavailable funds that will be subject to overdraft charges in one day is three (3). 4. We recommend that you enroll in one of the optional overdraft protection plans described below. These plans can help you avoid overdrafts and returned items. While fees apply when you use an optional overdraft protection plan, the fees under the plan are less expensive than NSF and Courtesy Pay Fees.

Payment of Overdrafts Payment of Overdrafts. 1. We are not obligated to pay any itempresented item presented for payment if your account does not contain sufficient available funds. If we pay a transaction that overdraws your account, we are not obligated to continue paying such transactions in the future. We may pay all, some, or none of your overdrafts, without notice to you. If we do not authorize and do not pay an overdraft, then we decline or return the transaction unpaid. The Fee Consumer Schedule of Fees and Charges (“Schedule of Fees and Charges”) for your account explains when we charge you fees for overdraft and for declined or returned items and the dollar amount of the fees. Please review your Fee Schedule of Fees and Charges for your account carefully. You are liable to us to repay any overdrafts on your account whether you created them or not. If you do not pay us, and we take collection action against you, you agree to pay for our costs of collection. We may close, without notice, any account with excessive insufficient funds activity, and report the account to a consumer reporting agency. 2. We may assess a fee for each item that we either pay, which results in an overdraft, or do not pay, which would have resulted in an overdraft had we paid it. If we pay an item in accordance with our Courtesy Pay Service or Select Accept Service (described in more detail below), we will charge a Courtesy Pay Fee as disclosed in the Fee ScheduleSchedule of Fees and Charges. 3. We limit the number of Insufficient Funds (NSF) and Courtesy Pay Fees we charge in a business day. We will not charge a fee if your ending account balance is overdrawn by $5 or less and we pay the item. The maximum number of overdrafts due to insufficient or unavailable funds that will be subject to overdraft charges in one day is three (3). 4. We recommend that you enroll in one of the optional overdraft protection plans described below. These plans can help you avoid overdrafts and returned items. While fees apply when you use an optional overdraft protection plan, the fees under the plan are less expensive than NSF and Courtesy Pay Fees.

Payment of Overdrafts Payment of Overdrafts. ‌ 1. We are Weare not obligated to pay any itempresented for payment if your account itempresentedforpayment ifyouraccount does not contain sufficient available funds. If we pay a transaction that overdraws your accountyouraccount, we are not obligated to continue paying such transactions tocontinuepayingsuchtransactions in the future. We may pay all, some, or none of your overdraftsyouroverdrafts, without notice to youtoyou. If we do not authorize and do not pay an overdraft, then we decline or return the transaction unpaid. The Fee Consumer Schedule of Fees and Charges (“Schedule of Fees and Charges”) for your account explains when we charge you fees for overdraft and for declined or returned items and the dollar amount of the fees. Please review your Fee Schedule of Fees and Charges for your account carefully. You are liable to us to repay any overdrafts on your account whether you created them or not. If you do not pay us, and we take collection takecollection action against you, ,you agree to pay for our costs of collection. We may close, without notice, any account with excessive insufficient funds activitywithexcessiveinsufficientfundsactivity, and report the account to a consumer reporttheaccountto aconsumer reporting agency. 2. We may assess a fee for each item that we either pay, which results in an overdraft, or do not pay, which would have resulted in an overdraft had we paid it. If we pay an item in accordance with our Courtesy Pay Service or Select Accept Service (described in more detail below), we will charge a Courtesy Pay Fee as disclosed in the Fee ScheduleSchedule of Fees and Charges. 3. Welimitthenumberof InsufficientFunds(NSF) and CourtesyPayFeeswe charge in a business day. We will not charge a fee if your ending account balance is overdrawn by $5 or less and we pay the item. The maximum number of overdrafts dueto insufficient or unavailablefundsthatwill be subjectto overdraftchargesin one day is three (3). 4. We recommend that you enroll in one of the optional overdraft protection plans described below. These plans can help you avoid overdrafts and returned items. While fees apply when you use an optional overdraft protection plan, the fees under the plan are less expensive than NSF and Courtesy Pay Fees.