Right to Reject Items. We reserve the right to reject any item transmitted through the Service, at our discretion. This right is without limitation, subject to applicable law, and includes, but is not limited to, the right to reject any item whether or not the status of the item is “Accepted” or the item has been received, reviewed, approved, or processed. If we reject an item, you agree that we may charge back the amount of the item to the account to which the check was originally deposited. If there are not sufficient available funds in your account to cover the amount of the item, the account will be overdrawn and you will be responsible for payment; you may also be assessed an overdraft fee in the amount shown on our current Fee Schedule. You agree that we may debit any account maintained by you in order to obtain payment of your obligations under this agreement.
Right to Reject Items. We reserve the right to reject any item transmitted through the Service, at our discretion. This right is without limitation, subject to applicable law, and includes, but is not limited to, the right to reject any item whether or not the status of the item is “Submitted / Received” or the item has been reviewed. If we reject an item, you agree that we will charge back the amount of the item to the account to which the check was originally deposited. If there are not sufficient available funds in your account to cover the amount of the item, the account will be overdrawn and you will be responsible for payment; you may also be assessed an overdraft fee in the amount shown on our current Fee Schedule. You agree that we may debit any account maintained by you in order to obtain payment of your obligations under this agreement. Cut-Off Time The Cut-Off Time is 4:30 PM CST. The Cut-Off Time is determined by the time displayed on our internal system clocks and may not necessarily be synchronized with the internal clock displayed on your Compatible Mobile Device. For this reason, we suggest that you transmit an item for mobile deposit to us sufficiently in advance of any Cut- Off Time to eliminate the possibility of missing the cutoff. Provisional Credit and Availability of Funds Below is our general funds availability policy for the Service: A portion of your check may be made available when the item has been “Submitted / Received”, which occurs immediately upon deposit. When the status of the item is “Processed”, the check may be held an additional 5 calendar days. See Appendix. An item transmitted after the Cut-Off Time will be “Processed” the next business day. Credit given for the item is provisional and subject to final approval of the item. Funds you deposit may be delayed for a longer period of time when we have reasonable cause to believe the check is uncollectable. We will notify you if we delay your ability to withdraw funds beyond the general funds availability policy, and we will tell you the time period within which the funds will be available for withdrawal. We are notifying you in advance that deposits made by the Service program do not fall under the standard provisions of Regulation CC. As such, longer hold periods may apply. You agree to receive notice of extended hold times via Secured Message within online banking. In some instances, check holds may be adjusted or removed the same or the next business day after the mobile check deposit is mad...
