Common use of Unacceptable Items for Deposit Clause in Contracts

Unacceptable Items for Deposit. You agree that you will not use the Service to scan and deposit the following items:  Any check drawn on your personal account in which the deposit is being made;  Any check that is made payable to another party and then endorsed to you by such party;  Any check that appears to contain altered information;  Any check payable jointly, unless deposited into an account in the name of all payees;  Any check previously converted to a substitute check, as defined in Reg. CC;  Any check drawn on a financial institution located outside the United States or is written in an amount in non U.S. currency;  Any check that is a remotely created check, as defined in Reg. CC;  Any check dated more than 6 months prior to the date of deposit;  Any check with “non-negotiable,” “void,” or other word or phrase indicating that the check is not valid (whether stamped in print or as a watermark);  Any check that is incomplete;  Any check that has been re-deposited or returned such as “non-sufficient funds” or refer-to-maker” or returned for any other reason;  Any check that has previously been negotiated or deposited into any account at Heritage Federal or any other financial institution;  Any check that has previously been submitted for deposit and subsequently rejected by us;  Any check on which a stop payment order has been issued or for which there are insufficient funds;  Money Orders;  Traveler’s Checks;  Insurance drafts;  Credit card cash advance checks; and  Savings Bonds. Deposits of this nature will result in the termination of the Service and) an immediate reversal of the credit to your Account. A reversal means the amount of the item(s) deposited will be removed from your Account and will reduce your Account balance. The reversal may also result in a negative balance in your Account.

Unacceptable Items for Deposit. You understand and agree that you will not use the Service to scan and deposit the following items:  • Savings Bonds; • Any check drawn on your personal account in which foreign item issued to you by a financial institution located outside of the deposit is being madeUnited States;  Any check that is • Canadian Items; • Third party checks (items made payable to another party and then endorsed to you by such party);  Any check that appears to contain altered information;  Any check payable jointly, unless deposited into an account in the name of all payees;  • Any check previously converted to a “substitute check”, as defined in Reg. Regulation CC;  Any check • Items drawn on a financial institution located outside the United States personal or is written in an amount in non U.S. currencybusiness accounts at USFCU;  • Any check items that is a remotely created check, as defined in Reg. CC;  Any check dated more than 6 months prior to the date of deposit;  Any check with are “non-negotiable,” “void,” or other word or phrase indicating that the check is not valid (whether stamped in print or as a watermark);  Any check • Incomplete checks; • “Stale-dated” or “post-dated” checks; • Checks previously submitted for deposit that is incomplete;  Any check that has have been re-deposited or returned such as “for any reason (ex. non-sufficient funds” , refer to maker or refer-to-maker” account closed); • Any item you suspect or returned for any other reason;  Any check that has previously been negotiated know is fraudulent or deposited into any otherwise not authorized by the owner of the account at Heritage Federal or any other financial institution;  Any check that has previously been submitted for deposit and subsequently rejected by us;  Any check on which a stop payment order has been issued the check is drawn (ex. lottery or for which there are insufficient fundsprize drawings);  Money Orders;  Traveler’s Checks;  Insurance drafts;  Credit card cash advance • Remotely created checks; and  Savings Bonds. or • Cash Deposits of this nature will may result in the immediate termination of your usage of the Service and) Mobile Remote Deposit Capture Service, Checks2US, and an immediate reversal of the transaction or credit to your Accountaccount. A reversal means the amount of the item(s) deposited will be removed from your Account account and will reduce your Account account balance. The reversal may also result in a negative balance in on your Account.account. In the event a negative balance should occur, you understand that you will be responsible for any overdraft fees acquired on your account. CHECK REQUIREMENTS—Any image of a check you transmit to us must accurately and legibly provide all of the information on the front and back of the check at the time of presentment to you by the drawer. Prior to photographing the original check, you will restrictively endorse any item transmitted through the Service as “ For mobile deposit only” including the date, account number and your signature or as otherwise instructed by USFCU. You agree to follow any and all other procedures and instructions for use of the Service as USFCU may establish from time to time. The image of the check transmitted to us using the Service must accurately and legibly provide, among other things, the following information:

Unacceptable Items for Deposit. You understand and agree that you will not use the Service to scan and deposit the following items:  • Any third party check drawn on your personal account in which the deposit is being made;  Any check or item, i.e., any item that is made payable to another party and then endorsed to you by such party;  , checks or items originally payable to any person or entity other than you • Any check that appears to contain altered information;  or item drawn on your personal account at CU SoCal • Any check payable jointly, unless deposited into an account in the name of all payees;  or item containing restrictive endorsements • Any check or item that contains evidence of alteration to the information on the check • Any check or item previously converted to a “substitute check, ,” as defined in Reg. CC;  Regulation CC • Any check drawn on or item issued to you by a financial institution located outside the United States or is written in an amount in non U.S. currency;  a foreign country • Any check or item that is a “remotely created check, ” as defined in Reg. CC;  define by Regulation CC • Any check or item that is “stale dated,” expired, or “postdated”, checks dated more than 6 six months prior to the date of deposit;  deposit • Any check with or item that is “non-negotiable,” “void,” or other word or phrase indicating that the check is not valid (whether stamped in print or as a watermark);  ) • Any check that is incomplete;  Any check or item that has been re-deposited or returned such as “non-sufficient funds” or refer-to-“refer to maker” or returned for any other reason;  reason • Any check or item that has previously been negotiated or deposited into any account at Heritage Federal or any other financial institution;  is incomplete • Any check that has previously been submitted for deposit and subsequently rejected by us;  or item not made payable in United States currency • Any check or item drawn on a financial institution located outside the United States • Any check or item prohibited by the Credit Union’s current procedures relating to the Service or which a stop payment order has been issued or for which there are insufficient funds;  Money Orders;  Traveler’s Checks;  Insurance drafts;  Credit card cash advance checks; and  otherwise not acceptable under the terms of your Account • Cash • Savings Bonds. Bonds Deposits of this nature will may result in the immediate termination of the Service and) and an immediate reversal of the transaction or credit to your Account. A reversal means the amount of the item(s) deposited will be removed from your Account and will reduce your Account balance. The reversal may also result in a negative balance in on your Account.

Unacceptable Items for Deposit. You understand and agree that you will not use the Service to scan and deposit the following items:  • Savings Bonds; • Any check drawn on your personal account in which foreign item issued to you by a financial institution located outside of the deposit is being madeUnited States;  Any check that is • Canadian Items; • Third party checks (items made payable to another party and then endorsed to you by such party);  Any check that appears to contain altered information;  Any check payable jointly, unless deposited into an account in the name of all payees;  • Any check previously converted to a “substitute check”, as defined in Reg. Regulation CC;  Any check • Items drawn on a financial institution located outside the United States personal or is written in an amount in non U.S. currencybusiness accounts at USFCU;  • Any check items that is a remotely created check, as defined in Reg. CC;  Any check dated more than 6 months prior to the date of deposit;  Any check with are “non-negotiable,” “void,” or other word or phrase indicating that the check is not valid (whether stamped in print or as a watermark);  Any check • Incomplete checks; • “Stale-dated” or “post-dated” checks; • Checks previously submitted for deposit that is incomplete;  Any check that has have been re-deposited or returned such as “for any reason (ex. non-sufficient funds” , refer to maker or refer-to-maker” account closed); • Any item you suspect or returned for any other reason;  Any check that has previously been negotiated know is fraudulent or deposited into any otherwise not authorized by the owner of the account at Heritage Federal or any other financial institution;  Any check that has previously been submitted for deposit and subsequently rejected by us;  Any check on which a stop payment order has been issued the check is drawn (ex. lottery or for which there are insufficient fundsprize drawings);  Money Orders;  Traveler’s Checks;  Insurance drafts;  Credit card cash advance • Remotely created checks; and  Savings Bonds. or • Cash Deposits of this nature will may result in the immediate termination of your usage of the Service and) Mobile Remote Deposit Capture Service, Checks2US, and an immediate reversal of the transaction or credit to your Accountaccount. A reversal means the amount of the item(s) deposited will be removed from your Account account and will reduce your Account account balance. The reversal may also result in a negative balance in on your Account.account. In the event a negative balance should occur, you understand that you will be responsible for any overdraft fees acquired on your account. CHECK REQUIREMENTS—Any image of a check you transmit to us must accurately and legibly provide all of the information on the front and back of the check at the time of presentment to you by the drawer. Prior to photographing the original check, you will restrictively endorse any item transmitted through the Service as “For mobile deposit only” including the date, account number and your signature or as otherwise instructed by USFCU. You agree to follow any and all other procedures and instructions for use of the Service as USFCU may establish from time to time. The image of the check transmitted to us using the Service must accurately and legibly provide, among other things, the following information: