Common use of Transaction Limitations Clause in Contracts

Transaction Limitations. a. Withdrawal Restrictions. We permit withdrawals only if your account has sufficient available funds to cover the full amount of the withdrawal, or you have an established overdraft protection plan. Your “available funds” are equivalent to your account balance minus funds being held as a result of (i) pending authorizations or transactions, (ii) minimum balance requirements, and/or (iii) check holds (please refer to the Funds Availability disclosure on our website at xxx.xxxxxxxxxxxxxxx.xxxx/xxxxxxxxxxx for more information regarding check holds). Checks or other transfer or payment orders (“withdrawals”) that are drawn against insufficient available funds will be subject to fees as set forth in the Fee Schedule. If there are sufficient available funds to cover some but not all of your withdrawal orders, we may allow those withdrawals for which there are sufficient available funds in any order at our discretion. (1) a dispute between the owners (unless a court has ordered the Credit Union to allow the withdrawal); (2) a legal garnishment or attachment is served; (3) the account secures any obligation to us; (4) required documentation has not been presented; (5) you fail to repay a Credit Union loan on time; or (6) we receive notice that you have engaged in illegal account activity or account activity that the Credit Union reasonably believes may cause a loss to the Credit Union. We reserve the right to require members to give notice in writing of any intended withdrawals from any account of not less than seven (7) days and up to sixty (60) days in accordance with applicable law before such withdrawal, except for the funds in the Checking Account. In addition to the foregoing, if any person should request a large cash withdrawal from the Credit Union (the definition of which shall be within the Credit Union’s sole discretion) in lieu of other methods of transferring funds offered by the Credit Union, the Member hereby releases the Credit Union from any and all liability, claims and demands whatsoever which arise from or in any way relate to the Member’s possession of any large sums of cash from the moment possession of same is made available to the Member; and Member will execute and deliver any further receipts or releases the Credit Union may require in connection with any such withdrawal.

Transaction Limitations. a. Withdrawal Restrictions. We The Credit Union will permit withdrawals a withdrawal only if the available balance in your account has is sufficient available funds to cover the full amount of the withdrawal, withdrawal or you have an established optional overdraft protection plan. Your “available funds” are equivalent to your account balance minus funds being held as a result of (i) pending authorizations or transactions, (ii) minimum balance requirements, and/or (iii) check holds (please refer to the Funds Availability disclosure on our website at xxx.xxxxxxxxxxxxxxx.xxxx/xxxxxxxxxxx for more information regarding check holds)privilege. Checks or other transfer or payment orders (“withdrawals”) that are drawn against insufficient orders, which exceed the available funds balance in your account, will be subject to fees as a fee, set forth in the Fee Schedule. If there are the available balance is sufficient available funds to cover some but not all of your withdrawal orders, we the Credit Union may allow those withdrawals withdrawals. You agree that the Credit Union may charge an Insufficient Funds Fee for returning items presented against your account that would exceed your available balance. You further agree the Credit Union may charge an Insufficient Funds Fee each time an item is presented for payment even if the same item is presented for payment multiple times. If the second and any subsequent presentments are returned unpaid, we may charge an Insufficient Funds Fee for each time we return the item. You understand this means you could be charged multiple Insufficient Funds Fees for one check that you wrote as that check could be presented (including as an ACH debit) and returned more than once. Similarly, if you authorize a merchant (or other individual or entity) to electronically debit your account, such as an ACH debit, you understand there could be multiple submissions of the electronic request which there are could result in multiple Insufficient Funds Fees. You agree that the Credit Union does not determine whether and when an item will be presented for payment. Rather, the Credit Union determines whether or not the available balance is sufficient available funds to pay a presented item. The Credit Union may also refuse to allow a withdrawal in other cases, for example: any order at our discretion. (1) a dispute between the owners about the account (unless a court has ordered the Credit Union to allow the withdrawal); (2) a legal garnishment or attachment is served; (3) the account secures any an obligation to usthe Credit Union; (4) any required documentation has not been presented; (5) or you fail to repay a Credit Union loan on time; or (6) we receive notice that you have engaged in illegal account activity or account activity that . You will be advised of the reasons for refusal, within a reasonable time, if such action is taken. The Credit Union reasonably believes may cause a loss to the Credit Union. We reserve reserves the right to require members to give notice in writing of any intended withdrawals from any account of not less than seven (7) days and up to sixty (60) days in accordance with applicable law 60 days, as required by law, before such withdrawal, except for the funds in the Checking Account. In addition to the foregoing, if any person should request • ATM withdrawal limit – there is a large daily limit of $500.00 cash withdrawal from the withdraw. • POS/Debit card purchase limit – there is a daily purchase limit of $1000.00 The Credit Union (may use the definition account to pay the debt even if withdraw results in any interest penalty or dishonor of which shall be within subsequent drafts and withdrawals. Any garnishment, levy or execution again the account is subject to the Credit Union’s sole discretion) in lieu of other methods of transferring funds offered by statutory lien. If garnishment, levy or execution is brought upon the Credit Unionaccount, the Member hereby releases the Credit Union from any and all liability, claims and demands whatsoever which arise from or in any way relate to the Member’s possession of any large sums of cash from the moment possession of same is made available to the Member; and Member will execute and deliver any further receipts or releases the Credit Union may require refuse to allow any withdrawals until the dispute is resolved, In such a case, the Credit Union will not be liable to the member, even if paying the money to the third party leaves insufficient funds to cover outstanding drafts or withdrawals. All expenses in responding to a court order are chargeable to the member. The Credit Union has the right to charge fees in connection with its services. These fees may change from time to time. The current fee schedule is available, and the member will receive written notice of any such withdrawalchanges. Checks, drafts, items and other transactions are processed in the order that we receive them. The order in which we process drafts, checks and items and execute other transactions on your account may affect the total amount of overdraft and insufficient funds fees that may be charged to your account. There are many ways transactions are presented for payment by merchants and we are not necessarily in control of when transactions are received. We may receive multiple deposit or withdrawal transactions on your account in many different forms throughout each business day. This means you may be charged more than one fee if multiple transactions overdraw (or attempt to overdraw) your account. You agree we may charge an Insufficient Funds fee each time an item is presented for payment even if the same item is presented for payment multiple times. Please contact us if you have questions about how we pay drafts and checks and process transfers and withdrawals.

Transaction Limitations. a. Withdrawal RestrictionsIn accordance with applicable law, we reserve the right to require you to provide written notice of any intended withdrawals from any account(s) of not less than seven (7) but not more than sixty (60) days before the intended date of withdrawal. We permit withdrawals Withdrawals will only be permitted if you have sufficient funds available in your account has sufficient available funds to cover pay the full amount of the withdrawal, your withdrawal orders or you have an established overdraft protection plan. Your “available funds” are equivalent to your account balance minus funds being held as a result of (i) pending authorizations or transactions, (ii) minimum balance requirements, and/or (iii) check holds (please refer to the Funds Availability disclosure on our website at xxx.xxxxxxxxxxxxxxx.xxxx/xxxxxxxxxxx for more information regarding check holds). Checks or other transfer or payment orders (“withdrawals”) that are drawn against insufficient available funds will be subject to fees as set forth in the Fee Schedule. If there are sufficient available funds to cover some but not all of your withdrawal orders, we may allow permit those withdrawals for which there are sufficient available funds in any order at our discretion. we choose. We may refuse to allow a withdrawal, and will advise when required by applicable law if, for example: (1) there is a dispute between the owners (unless a court has ordered the Credit Union to allow the withdrawal)account owners; (2) a legal garnishment garnishment, attachment or attachment levy is servedserved on us; (3) the account account(s) secures any obligation owed to us; (4) any required documentation has not been presentedprovided to us; or (5) you are delinquent or fail to repay pay a Credit Union loan on time; or (6) we receive notice that you have engaged in illegal account activity or account activity that the Credit Union reasonably believes may cause a loss any other obligation owed to the Credit Union. We reserve the right to require members to give notice in writing of any intended withdrawals from any account of not less than seven (7) days and up to sixty (60) days in accordance with applicable law before such withdrawal, except for the funds in the Checking Accountus when due. In addition to the foregoing, if any person should request instruct the Credit Union to make a large cash withdrawal from the Credit Union (the definition of which shall be within the Credit Union’s 's sole discretion) in lieu of other methods of transferring funds offered by the Credit Union, the Member hereby releases the Credit Union from any and all liability, claims and demands whatsoever which arise from or in any way relate to the Member’s 's possession of any large sums of cash from the moment possession of same is made available to the Member; and Member will execute and deliver any further receipts or releases the Credit Union may require in connection with any such withdrawal. You may make unlimited withdrawals or transfers by mail, ATM (if available) or in person from Money Market Accounts. You may not, however, make more than a total of six transfers to other accounts or to third parties during each monthly statement period when these are made by pre-authorized or automatic agreement or telephone transfer. We reserve the right to prevent transfers which exceed the above limits or to monitor these transactions after they occur. When we observe that the number of transactions exceeds the above limits, we may contact you for corrective action. If excessive transactions continue to occur, we reserve the right to close your Account, convert it to an Account without transfer limitations, or assess a fee. days as set forth in the Schedule will be treated, transmitted, recorded, etc., as applicable and appropriate as if received on the next business day that we are open. Deposits, orders, instructions, requests, etc., received by mail, electronically, at an unstaffed facility, or outside depository will be processed and credited only when actually received by us, and we shall have no responsibility until we actually receive the item. You may stop payment on a withdrawal order or on any check, except for cashiers' checks, official checks or other cash equivalent items. We must receive your stop payment order at a time and in a manner which gives us a reasonable opportunity to act on it prior to payment of the item. A VERBAL STOP PAYMENT ORDER IS VALID FOR ONLY 14 DAYS, UNLESS WE RECEIVE A WRITTEN CONFIRMATION THEREOF. A WRITTEN STOP PAYMENT ORDER ON A CHECK THAT IS NOT CONVERTED TO AN ACH TRANSACTION IS VALID FOR ONLY SIX MONTHS UNLESS IT IS RENEWED BY YOU. FOR ALL OTHER TRANSACTIONS, STOP PAYMENT ORDERS DO NOT EXPIRE. We will accept stop payment orders issued by any person with signing authority on your Account, regardless of who initiated the check or other withdrawal order, and even if more than one signature is required on a check or withdrawal order. Stop payment orders are subject to our current charge for that service. You may place a stop payment order at any branch office, by calling us at the telephone number on your statement, by writing to us at the address shown on your statement, or by any other notice method we agree to honor. We will request information about the check or other withdrawal order to be stopped, which may include but is not limited to: • Account number • Date • Name of party to be paid • Check number • Amount • Your name and address STOP PAYMENT ORDERS ARE PROCESSED BY COMPUTER. UNLESS THE AMOUNT OF THE ITEM AND OTHER INFORMATION ARE REPORTED ABSOLUTELY ACCURATELY, WE CANNOT ASSURE YOU THAT THE ITEM YOU WANT STOPPED WILL NOT BE PAID. In the event that we inadvertently pay an item over your valid stop payment order, we may refuse to re-credit your Account if you owed the money to the payee(s). You will be required to provide evidence satisfactory to us of the amount of your loss. If we re-credit your Account, you shall be deemed to have assigned to us all of your rights against the payee(s), both on the item and on the underlying claim, and we may require you to sign an affidavit that you did not receive full value from the transaction for which the check was issued and otherwise cooperate in our recovery efforts.

Transaction Limitations. a. Withdrawal RestrictionsIn accordance with applicable law, we reserve the right to require you to provide written notice of any intended withdrawals from any account(s) of not less than seven (7) but not more than sixty (60) days before the intended date of withdrawal. We permit withdrawals Withdrawals will only be permitted if you have sufficient funds available in your account has sufficient available funds to cover pay the full amount of the withdrawal, your withdrawal orders or you have an established overdraft protection plan. Your “available funds” are equivalent to your account balance minus funds being held as a result of (i) pending authorizations or transactions, (ii) minimum balance requirements, and/or (iii) check holds (please refer to the Funds Availability disclosure on our website at xxx.xxxxxxxxxxxxxxx.xxxx/xxxxxxxxxxx for more information regarding check holds). Checks or other transfer or payment orders (“withdrawals”) that are drawn against insufficient available funds will be subject to fees as set forth in the Fee Schedule. If there are sufficient available funds to cover some but not all of your withdrawal orders, we may allow permit those withdrawals for which there are sufficient available funds in any order at our discretion. we choose. We may refuse to allow a withdrawal, and will advise when required by applicable law if; for example: (1) there is a dispute between the owners (unless a court has ordered the Credit Union to allow the withdrawal)account owners; (2) a legal garnishment garnishment, attachment or attachment levy is servedserved on us; (3) the account account(s) secures any obligation owed to us; (4) any required documentation has not been presentedprovided to us; or (5) you are delinquent or fail to repay pay a Credit Union loan on time; or any other obligation owed to us when due. You may withdraw or transfer funds from your account(s) in any manner we permit (e.g., at an automated teller machine, in person, by mail, Internet access, automatic transfer, or telephone, as applicable), however, in the Share/savings account(s), you may make no more than six (6) we receive notice that you have engaged in illegal account activity or account activity that the Credit Union reasonably believes may cause a loss to the Credit Union. We reserve the right to require members to give notice in writing of any intended transfers and withdrawals from any your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. Except as may be otherwise specifically provided in our Agreements, all Transactions after our "daily cut-off time" and made on days that are not less than seven (7) our business days and up to sixty (60) days in accordance with applicable law before such withdrawal, except for the funds as set forth in the Checking AccountSchedule will be treated, transmitted, recorded, etc., as applicable and appropriate as if received on the next business day that we are open. In addition Deposits, orders, instructions, requests, etc., received by mail, electronically, at an unstaffed facility, or outside depository will be processed and credited only when actually received by us, and we shall have no responsibility until we actually receive the item. STOP PAYMENT ORDERS - allow us a reasonable opportunity to act on it. If we re-credit your account after paying an ACH, check or draft over a valid and timely stop payment order, you agree to sign a statement describing the foregoingdispute with the payee, if any person should request a large cash withdrawal from to assign to us all of your rights against the Credit Union (payee or other holders of the definition of which shall be within the Credit Union’s sole discretion) in lieu of other methods of transferring funds offered by the Credit UnionACH, the Member hereby releases the Credit Union from any check or draft, and all liability, claims and demands whatsoever which arise from or to assist us in any way relate to the Member’s possession of any large sums of cash from the moment possession of same is made available to the Member; and Member will execute and deliver any further receipts or releases the Credit Union may require in connection with any such withdrawallegal action.

Transaction Limitations. a. Withdrawal RestrictionsAccounts are only transferable on the records of the Credit Union. We permit withdrawals only if The Credit Union reserves the right at any time to require 7 days written notice before any withdrawal or transfer of funds from an interest bearing account. Transfers from a savings account by preauthorized, automatic, telephone transfer, check, draft, or debit card (access methods vary by product) or similar order are limited to six per statement cycle. If your account has sufficient available funds to cover the full amount of the withdrawalexceeds these regulatory transfer limitations in one monthly statement period, or you have an established overdraft protection planyour transfer may be rejected. Your “available funds” are equivalent to If your account balance minus funds being held as is an Advantages Money Market Savings™ Account and you exceed these regulatory transfer limitations in any monthly statement period, you may be assessed a result of (i) pending authorizations or transactions, (ii) minimum balance requirements, and/or (iii) check holds (please refer to the Funds Availability disclosure on our website at xxx.xxxxxxxxxxxxxxx.xxxx/xxxxxxxxxxx for more information regarding check holds). Checks or other transfer or payment orders (“withdrawals”) that are drawn against insufficient available funds will fee and your account may be subject to fees as set forth conversion into a non-interest bearing account. We may refuse to allow a withdrawal in the Fee Schedule. If there are sufficient available funds to cover some but not all of your withdrawal orders, we may allow those withdrawals situations and will advise you accordingly for which there are sufficient available funds in any order at our discretion. example: (1) there is a dispute between the owners (unless a court has ordered the Credit Union to allow the withdrawal)account owners; (2) a legal garnishment or attachment is served; (3) the account secures any obligation to us; (4) required documentation has not been presented; or (5) you fail to repay a Credit Union loan on time. You agree that checks made payable to a non-member are not properly payable over-the-counter and will not be cashed. Our policy is to not cash checks for non-members; however, we will exchange the check for a Teller Check you believe there is an error, discrepancy or irregularity, you must notify us immediately. If you fail to discover and notify us of any error, discrepancy or irregularity within 60 days of when we first send or make the statement available, you le cannot make a claim against us. In the case of a change of address, you are responsible for providing us with a current address. If you do not receive a periodic statement, you agree to notify us within fourteen (614) we receive notice days of the time that you have engaged in illegal account activity or account activity regularly receive a statement. For checking accounts, you understand that your original check, when paid, becomes property of the Credit Union reasonably believes and will not be returned to you but copies will be retained by us or by a payable-through financial institution and made available upon your request. You may cause be charged a loss fee for check copies. Account fees are set n forth in the Fee Schedule. er Online Statements. When you request E-Statements, you agree to the Credit Unionreceive your monthly or quarterly account statements electronically. We reserve the right to require members to give notice in writing of any intended withdrawals from any account of not less than seven (7) days will notify you by e-mail when your statements are available for review. You are responsible for he providing and up to sixty (60) days in accordance with applicable law before such withdrawal, except for the funds maintaining your e-mail address and all information contained in the Checking AccountAccount Profile records. In You are responsible to view, print and/or save your statement document(s) for future reference. You agree that in addition to your member account statement we may also send you d important notices and disclosures as required by law or regulation regarding your membership and accounts. These notices and disclosures may be sent separately or incorporated into the foregoing, if any person should request a large cash withdrawal from the Credit Union (the definition of which shall be within the Credit Union’s sole discretion) in lieu of other methods of transferring funds offered by the Credit Union, the Member hereby releases the Credit Union from any and all liability, claims and demands whatsoever which arise from or in any way relate to the Member’s possession of any large sums of cash from the moment possession of same member newsletter that is made available to at the Member; and Member will execute and deliver any further receipts or releases the Credit Union time your statement is available for viewing. You may require in connection with any such withdrawal.be charged a nt fee if you subsequently request a paper copy of your

Transaction Limitations. a. Withdrawal RestrictionsIn accordance with applicable law, we reserve the right to require you to provide written notice of any intended withdrawals from any account(s) of not less than seven (7) but not more than sixty (60) days before the intended date of withdrawal. We permit withdrawals Withdrawals will only be permitted if you have sufficient funds available in your account has sufficient available funds to cover pay the full amount of the withdrawal, your withdrawal orders or you have an established overdraft protection plan. Your “available funds” are equivalent to your account balance minus funds being held as a result of (i) pending authorizations or transactions, (ii) minimum balance requirements, and/or (iii) check holds (please refer to the Funds Availability disclosure on our website at xxx.xxxxxxxxxxxxxxx.xxxx/xxxxxxxxxxx for more information regarding check holds). Checks or other transfer or payment orders (“withdrawals”) that are drawn against insufficient available funds will be subject to fees as set forth in the Fee Schedule. If there are sufficient available funds to cover some but not all of your withdrawal orders, we may allow permit those withdrawals for which there are sufficient available funds in any order at our discretion. we choose. We may refuse to allow a withdrawal, and will advise when required by applicable law if; for example: (1) there is a dispute between the owners (unless a court has ordered the Credit Union to allow the withdrawal)account owners; (2) a legal garnishment garnishment, attachment or attachment levy is servedserved on us; (3) the account account(s) secures any obligation owed to us; (4) any required documentation has not been presentedprovided to us; or (5) you are delinquent or fail to repay pay a Credit Union loan on time; or (6) we receive notice that you have engaged in illegal account activity or account activity that the Credit Union reasonably believes may cause a loss any other obligation owed to the Credit Union. We reserve the right to require members to give notice in writing of any intended withdrawals from any account of not less than seven (7) days and up to sixty (60) days in accordance with applicable law before such withdrawal, except for the funds in the Checking Accountus when due. In addition to the foregoing, foregoing if any person should request instruct the Credit Union to make a large cash withdrawal from the Credit Union (the definition of which shall be within the Credit Union’s sole discretion) in lieu of other methods of transferring funds offered by the Credit Union, the Member hereby releases the Credit Union from any and all liability, claims and demands whatsoever which arise from or in any way relate to the Member’s possession of any large sums of cash from the moment possession of same is made available to the Member; and Member will execute and deliver any further receipts or releases the Credit Union may require in connection with any such withdrawal. During any calendar month, you may make withdrawals or transfers by mail, ATM (if available) or in person. You may not, however, make more than six withdrawals or transfers to another Credit Union account of yours or to a third party by means of a preauthorized, automatic, telephonic, online banking, or audio response transfer or instruction. A preauthorized transfer includes any arrangement with us to pay a third party from your account upon oral or written orders, including orders received through ACH. We will reject transactions which exceed the above limit. If excessive transactions continue to occur, we reserve the right to close your account. Transaction Limitations and the Credit Union's Business Days: Our business days are Monday through Friday excluding legal holidays and holidays posted in the Credit Union office. Except as may be otherwise specifically provided in our Agreements, all transactions made on days that are not our business days will be treated, transmitted, recorded, etc., as applicable and appropriate as if received on the next business day that we are open. Deposits, orders, instructions, requests, etc., received by mail, electronically, at an unstaffed facility, or outside depository will be processed and credited only when actually received by us, and we shall have no responsibility until we actually receive the item.

Transaction Limitations. a. Withdrawal Restrictions. We The Credit Union will permit withdrawals a withdrawal only if your account has you have sufficient available funds in your account to cover the full amount of the withdrawal, withdrawal or you have an established overdraft protection plan. Your “available funds” are equivalent to your account balance minus funds being held as a result of (i) pending authorizations or transactions, (ii) minimum balance requirements, and/or (iii) check holds (please refer to the Funds Availability disclosure on our website at xxx.xxxxxxxxxxxxxxx.xxxx/xxxxxxxxxxx for more information regarding check holds). Checks Drafts or other transfer or payment orders (“withdrawals”) that which are drawn against insufficient available funds will be subject to fees as a service charge, set forth in the Fee Schedule. If there are sufficient available funds to cover some but not all of your withdrawal orders, we the Credit Union may allow those withdrawals for which there are sufficient available funds in any order at our the Credit Union’s discretion. (1) . The Credit Union may also refuse to allow a withdrawal in other cases; for example: any dispute between the owners about the account (unless a court has ordered the Credit Union to allow the withdrawal); (2) a legal garnishment or attachment is served; (3) the account secures any an obligation to usthe Credit Union; (4) any required documentation has not been presented; (5) or you fail to repay a Credit Union loan on time; or (6) we receive notice that you have engaged in illegal account activity or account activity that . You will be advised of the reasons for refusal if such action is taken. The Credit Union reasonably believes may cause a loss to the Credit Union. We reserve reserves the right to require members to give notice in writing of any intended withdrawals from any account of not less than seven (7) days and up to sixty (60) days in accordance with applicable law days, as required by law, before such withdrawal. Items Presented Against Insufficient Funds. Order In Which Checks and Other Items Are Paid. In general, except we pay checks and other transactions in the order in which they are presented to us for payment, regardless of when you issued or authorized them. Insufficient balances on your account may result from 1) checks, 2) automated clearing house (ACH) debits such as online bill payment transactions, 3) payments authorized by an owner or other withdrawal requests, 4) items deposited by an owner and returned unpaid by the paying institution, and 5) imposition of service charges. Checks and ACH debits may be presented to us in batches or data files, and are paid when we process the data file. Checks from the same account in the same data file are processed in check number order. Checks presented for payment to one of our tellers at one of our branches are processed at the time of payment. Debit card transactions are processed when they are transmitted to us, which may occur at the time of the transaction or up to several days later. The merchant or its processor determines when the transaction will be transmitted to us. When a merchant obtains authorization for a debit card transaction, we place a temporary hold against the funds in the Checking Accountaccount for the amount of the authorized transaction. In addition to the foregoingsome cases, if any person should request such as restaurants, gas stations, or car rental transactions, there may be a large cash withdrawal from the Credit Union (the definition of which shall be within the Credit Union’s sole discretion) in lieu of other methods of transferring funds offered by the Credit Union, the Member hereby releases the Credit Union from any and all liability, claims and demands whatsoever which arise from or in any way relate to the Member’s possession of any large sums of cash from the moment possession of same is made available to the Member; and Member will execute and deliver any further receipts or releases the Credit Union may require in connection with any such withdrawal.hold for an initially authorized

Transaction Limitations. a. Withdrawal Restrictions. We The Credit Union will permit withdrawals a withdrawal only if your account has you have sufficient available funds in your account to cover the full amount of the withdrawal, withdrawal or you have an established overdraft protection coverage plan. Your “available funds” are equivalent to your account balance minus funds being held as a result of (i) pending authorizations or transactions, (ii) minimum balance requirements, and/or (iii) check holds (please refer to the Funds Availability disclosure on our website at xxx.xxxxxxxxxxxxxxx.xxxx/xxxxxxxxxxx for more information regarding check holds). Checks or other transfer or payment orders (“withdrawals”) that are drawn against insufficient sufficient available funds will be subject to fees as a service charge, set forth in the Fee ScheduleSchedule of Fees and Charges. If there are sufficient insufficient available funds to cover some but not all of your withdrawal orders, we the Credit Union may allow those withdrawals for which there are sufficient insufficient available funds in its sole discretion. The Credit Union may also refuse to allow a withdrawal in other cases; for example: if there is any order at our discretion. (1) a dispute between the owners about the account (unless a court has ordered the Credit Union to allow the withdrawal); (2) if a legal garnishment garnishment, levy or attachment is served; (3) if the account secures any an obligation to usthe Credit Union; (4) if any required documentation has not been presented; (5) or if you fail to repay a Credit Union loan on time; or (6) we receive notice that you have engaged in illegal account activity or account activity that . You will be advised of the reasons for refusal if such action is taken. The Credit Union reasonably believes may cause a loss to the Credit Union. We reserve reserves the right to require members to give notice in writing of any intended withdrawals from any account (except checking accounts) of not less than seven (7) days and up to sixty (60) days in accordance with applicable law 60 days, as required by law, before such withdrawalwithdrawal.‌‌‌ For savings accounts, except for the funds in the Checking Accountyou may make up to six (6) preauthorized, automatic, telephonic, audio response or overdraft transfers to another account of yours or to a third party during any calendar month. In addition to the foregoing, if A preauthorized transfer includes any person should request a large cash withdrawal from arrangement with the Credit Union to pay a third party from the member’s account upon oral or written orders, including orders received through the automated clearing house (ACH). There is no limit on the definition number of which shall be within transactions you may make in the following manner: (i) transfers to any loan account with the Credit Union’s sole discretion; (ii) in lieu of other methods of transferring funds offered by the Credit Union, the Member hereby releases the transfers to another Credit Union from any and all liabilityaccount or withdrawals (checks mailed directly to you) when such transfer or withdrawal is initiated in person, claims and demands whatsoever which arise from by mail or at an ATM. If a transfer request would exceed the transfer limitations set forth above in any way relate to the Member’s possession of any large sums of cash from the moment possession of same is made available to the Member; and Member will execute and deliver any further receipts or releases statement period, the Credit Union may require in connection with any such withdrawalrefuse or reverse the transfer, and your account will be subject to suspension or closure by the Credit Union and may impose a charge.