Common use of Withdrawal Restrictions and Overdrafts Clause in Contracts

Withdrawal Restrictions and Overdrafts. If there is an insufficient Current Balance to cover some of the withdrawals or debits presented against your account, such items will be handled in accordance with our overdraft procedures or in accordance with any other agreement you may have with us. We pay overdrafts at our sole discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. We may refuse to pay an overdraft item at any time even though we have previously paid overdrafts for you. Our payment of overdrafts represents a purely discretionary courtesy or privilege that we may provide you from time to time and which may be reduced, suspended or permanently revoked by us at any time without notice and for any reason or cause. If we determine at our sole discretion that the overdraft activity in your account is approaching or has reached excessive levels, we will initiate a review of your account (including factors such as your year-to-date overdraft fees, the amount, frequency and type of deposits to your account and the length of time your account has been with us). As a result of this review, your overdraft privileges could be reduced or suspended (for any period of time we determine is necessary or appropriate). We may also reduce, suspend or permanently revoke your overdraft privileges if we believe for any reason that you are not managing your account in a responsible manner. If we do not authorize and pay an overdraft, your transaction will be returned or declined. Please be advised that if your overdraft privileges are permanently revoked or suspended for any reason we will not allow any overdrafts in your account. If your overdraft privileges are permanently revoked, or while your overdraft privileges are suspended, any checks or ACH items presented for payment without a sufficient Current Balance to pay them will be returned and you will be charged our standard fee of $32 per returned item. Even if you have opted in to our Standard Overdraft Practices for ATM withdrawals and everyday debit card transactions, if your overdraft privileges on any account are permanently revoked, or while your overdraft privileges are suspended, we will decline those transactions if they would overdraw your account. If your overdraft privileges on any account are permanently revoked for any reason they may not be reinstated. If your overdraft privileges are reduced or suspended for any reason, we reserve the right to reinstate the privileges in whole or in part at our sole discretion. Checks, in-person withdrawals, ATM withdrawals or other electronic withdrawals as applicable, drawn on your account when the Current Balance is insufficient may be subject to an overdraft or returned item fee. You agree to pay us, and you authorize us to deduct directly from your account, overdraft fees, returned item fees, or any other service charges assessed against your account. Any fee or service charge assessed against your account shall be subject to the provisions of this Agreement, including those set forth in the Right of Offset section. We also may refuse to allow a withdrawal if there is a dispute about the account (unless a court has ordered us to allow the withdrawal), the account is garnished or attached, the account has been pledged as collateral for a debt, the availability of the funds on deposit cannot be verified, any required documentation has not been presented or you fail to repay an obligation to us on time. Our cut-off time for determining priority between 1) checks that were presented the day before and 2) a writ of garnishment or levy is 2:00 p.m. Central Standard Time.

Withdrawal Restrictions and Overdrafts. We do not have to allow you to make a withdrawal from your Account if you do not have sufficient available funds in the Account to cover the full amount of the withdrawal. If there is an are available funds to cover some, but not all of the withdrawals or other debits (such as charges) to your Account, we may post those withdrawals or other debits for which there are sufficient available funds in any order we may choose at our sole discretion. If there are insufficient Current Balance available funds to cover some of the withdrawals or debits presented against your accountAccount, such items will be handled in accordance with our overdraft procedures or in accordance with any other agreement you may have with usus (i.e., Account Link, CheckRight Overdraft Line of Credit or Premium Overdraft). We Even if we choose to pay overdrafts at our sole discretionone or more overdrafts, which means we do are not guarantee that we will always authorize and pay obligated to cover any type of transactionfuture overdrafts. We may refuse to pay determine the balance of your Account in connection with determining whether payment of an item will create an overdraft item at any time even though between the time we have previously paid overdrafts receive the item and the deadline for youus to take action on the item. Our payment of overdrafts represents a purely discretionary courtesy or privilege that we may provide you from We are not required to determine your Account balance more than one (1) time to time and which during this period. A service charge may be reducedassessed on any item that will overdraw the available Account balance, suspended regardless of whether we pay or permanently revoked by us dishonor (return) the item. The fee assessed is capped at four (4) per day. You agree, immediately upon notice from us, to deposit funds sufficient to cover any time without notice and for any reason or cause. If we determine at our sole discretion that the overdraft activity in your account is approaching or has reached excessive levels, we will initiate a review of your account (including factors such as your year-to-date overdraft fees, the amount, frequency and type of deposits to your account and the length of time your account has been with us). As a result of this review, your overdraft privileges could be reduced or suspended (for any period of time we determine is necessary or appropriate). We may also reduce, suspend or permanently revoke your overdraft privileges if we believe for any reason that you are not managing your account in a responsible manner. If we do not authorize and pay an overdraft, your transaction will be returned or declined. Please be advised that if your overdraft privileges are permanently revoked or suspended for any reason we will not allow any overdrafts in your account. If your overdraft privileges are permanently revoked, or while your overdraft privileges are suspended, any checks or ACH items presented for payment without a sufficient Current Balance to pay them will be returned and you will be charged our standard fee of $32 per returned item. Even if you have opted in to our Standard Overdraft Practices for ATM withdrawals and everyday debit card transactionsplus service charges, if your overdraft privileges on any account are permanently revoked, or while your overdraft privileges are suspended, we will decline those transactions if they would overdraw your account. If your overdraft privileges on any account are permanently revoked for any reason they may not be reinstated. If your overdraft privileges are reduced or suspended for any reason, we reserve the right to reinstate the privileges in whole or in part at our sole discretion. Checks, in-person withdrawals, ATM withdrawals or other electronic withdrawals as applicable, drawn on your account when the Current Balance is insufficient may be subject to an overdraft or returned item feerequired. You agree to pay us, and you authorize allow us to deduct directly from your accountapply directly-deposited governmental benefits, overdraft feesincluding social security, returned to cover any overdraft. We will not be liable for the dishonor of any item fees, or any other service charges assessed when the dishonor occurs because we setoff a debit against your account. Any fee or service charge assessed against your account shall be subject to the provisions of this Agreement, including those set forth in the Right of Offset sectionAccount. We also may refuse to allow a withdrawal if there is a dispute about the account Account (unless a court has ordered us to allow the withdrawal), the account Account is garnished or attached, the account Account has been pledged as collateral for a debt, the availability of the funds on deposit cannot be verified, any required documentation has not been presented presented, or you fail to repay an obligation to us on time. Our cut-off time for determining priority between 1) checks that were presented the day before and 2) a writ of garnishment or levy is 2:00 p.m. Central Standard Time.

Withdrawal Restrictions and Overdrafts. If there is an are insufficient Current Balance available funds to cover some of the withdrawals or debits presented against your account, such items will be handled in accordance with our overdraft procedures or in accordance with any other agreement you may have with us. We pay overdrafts at our sole discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. We may refuse to pay an overdraft item at any time even though we have previously paid overdrafts for you. Our payment of overdrafts represents a purely discretionary courtesy or privilege that we may provide you from time to time and which may be reduced, suspended or permanently revoked by us at any time without notice and for any reason or cause. If we determine at our sole discretion that the overdraft activity in your account is approaching or has reached excessive levels, we will initiate a review of your account (including factors such as your year-to-date overdraft fees, the amount, frequency and type of deposits to your account and the length of time your account has been with us). As a result of this review, your overdraft privileges could be reduced or suspended (for any period of time we determine is necessary or appropriate). We may also reduce, suspend or permanently revoke your overdraft privileges if we believe for any reason that you are not managing your account in a responsible manner. If we do not authorize and pay an overdraft, your transaction will be returned or declined. Please be advised that if your overdraft privileges are permanently revoked or suspended for any reason we will not allow any overdrafts in your account. If your overdraft privileges are permanently revoked, or while your overdraft privileges are suspended, any checks or ACH items presented for payment without a sufficient Current Balance balances to pay them will be returned and you will be charged our standard fee of $32 29 per returned item. Even if you have opted in to our Standard Overdraft Practices for ATM withdrawals and everyday debit card transactions, if your overdraft privileges on any account are permanently revoked, or while your overdraft privileges are suspended, we will decline those transactions if they would overdraw your account. If your overdraft privileges are permanently revoked on any account are permanently revoked for any reason they may not be reinstated. If your overdraft privileges are reduced or suspended for any reason, we reserve the right to reinstate the privileges in whole or in part at our sole discretion. Checks, in-person withdrawals, ATM withdrawals or other electronic withdrawals as applicable, drawn on your account when the Current Balance is against insufficient available funds may be subject to an overdraft or returned item fee. You agree to pay us, and you authorize us to deduct directly from your account, overdraft fees, returned item fees, or any other service charges assessed against your account. Any fee or service charge assessed against your account shall be subject to the provisions of this Agreement, including those set forth in the Right of Offset section. We also may refuse to allow a withdrawal if there is a dispute about the account (unless a court has ordered us to allow the withdrawal), the account is garnished or attached, the account has been pledged as collateral for a debt, the availability of the funds on deposit cannot be verified, any required documentation has not been presented or you fail to repay an obligation to us on time. Our cut-off time for determining priority between 1) checks that were presented the day before and 2) a writ of garnishment or levy is 2:00 p.m. Central Standard Time.

Withdrawal Restrictions and Overdrafts. If there is an insufficient Current Balance to cover some of the withdrawals or debits presented against your accountAccount, such items will be handled in accordance with our overdraft procedures or in accordance with any other agreement you may have with us. We pay overdrafts at our sole discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. We may refuse to pay an overdraft item at any time even though we have previously paid overdrafts for you. Our payment of overdrafts represents a purely discretionary courtesy or privilege that we may provide you from time to time and which may be reduced, suspended or permanently revoked by us at any time without notice and for any reason or cause. If we determine at our sole discretion that the overdraft activity in your account Account is approaching or has reached excessive levels, we will initiate a review of your account Account (including factors such as your year-to-date overdraft fees, the amount, frequency and type of deposits to your account Account and the length of time your account Account has been with us). As a result of this review, your overdraft privileges could be reduced or suspended (for any period of time we determine is necessary or appropriate). We may also reduce, suspend or permanently revoke your overdraft privileges if we believe for any reason that you are not managing your account Account in a responsible manner. If we do not authorize and pay an overdraft, your transaction will be returned or declined. Please be advised that if your overdraft privileges are permanently revoked or suspended for any reason we will not allow any overdrafts in your accountAccount. If your overdraft privileges are permanently revoked, or while your overdraft privileges are suspended, any checks or ACH items presented for payment without a sufficient Current Balance to pay them will be returned and you will be charged our standard fee of $32 per returned item. Even if you have opted in to our Standard Overdraft Practices for ATM withdrawals and everyday debit card transactions, if your overdraft privileges on any account Account are permanently revoked, or while your overdraft privileges are suspended, we will decline those transactions if they would overdraw your accountAccount. If your overdraft privileges on any account Account are permanently revoked for any reason they may not be reinstated. If your overdraft privileges are reduced or suspended for any reason, we reserve the right to reinstate the privileges in whole or in part at our sole discretion. Checks, in-person withdrawals, ATM withdrawals or other electronic withdrawals as applicable, drawn on your account Account when the Current Balance is insufficient may be subject to an overdraft or returned item fee. You agree to pay us, and you authorize us to deduct directly from your accountAccount, overdraft fees, returned item fees, or any other service charges assessed against your accountAccount. Any fee or service charge assessed against your account Account shall be subject to the provisions of this Agreement, including those set forth in the Right of Offset section. We also may refuse to allow a withdrawal if there is a dispute about the account Account (unless a court has ordered us to allow the withdrawal), the account Account is garnished or attached, the account Account has been pledged as collateral for a debt, the availability of the funds on deposit cannot be verified, any required documentation has not been presented or you fail to repay an obligation to us on time. Our cut-off time for determining priority between 1) checks that were presented the day before and 2) a writ of garnishment or levy is 2:00 p.m. Central Standard Time.

Withdrawal Restrictions and Overdrafts. If there is an insufficient Current Balance to cover some of the withdrawals or debits presented against your accountAccount, such items will be handled in accordance with our overdraft procedures or in accordance with any other agreement you may have with us. We pay overdrafts at our sole discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. We may refuse to pay an overdraft item at any time even though we have previously paid overdrafts for you. Our payment of overdrafts represents a purely discretionary courtesy or privilege that we may provide you from time to time and which may be reduced, suspended or permanently revoked by us at any time without notice and for any reason or cause. If we determine at our sole discretion that the overdraft activity in your account Account is approaching or has reached excessive levels, we will initiate a review of your account Account (including factors such as your year-to-date overdraft fees, the amount, frequency and type of deposits to your account Account and the length of time your account Account has been with us). As a result of this review, your overdraft privileges could be reduced or suspended (for any period of time we determine is necessary or appropriate). We may also reduce, suspend or permanently revoke your overdraft privileges if we believe for any reason that you are not managing your account Account in a responsible manner. If we do not authorize and pay an overdraft, your transaction will be returned or declined. Please be advised that if your overdraft privileges are permanently revoked or suspended for any reason we will not allow any overdrafts in your accountAccount. If your overdraft privileges are permanently revoked, or while your overdraft privileges are suspended, any checks or ACH items presented for payment without a sufficient Current Balance to pay them will be returned and you will be charged our standard fee of $32 35 per returned item. Even if you have opted in to our Standard Overdraft Practices for ATM withdrawals and everyday debit card transactions, if your overdraft privileges on any account Account are permanently revoked, or while your overdraft privileges are suspended, we will decline those transactions if they would overdraw your accountAccount. If your overdraft privileges on any account are permanently revoked on any Account for any reason they may not be reinstated. If your overdraft privileges are reduced or suspended for any reason, we reserve the right to reinstate the privileges in whole or in part at our sole discretion. Checks, in-person withdrawals, ATM withdrawals or other electronic withdrawals as applicable, drawn on your account Account when the Current Balance is insufficient may be subject to an overdraft or returned item fee. You agree to pay us, and you authorize us to deduct directly from your accountAccount, overdraft fees, returned item fees, or any other service charges assessed against your accountAccount. Any fee or service charge assessed against your account Account shall be subject to the provisions of this Agreement, including those set forth in the Right of Offset section. We also may refuse to allow a withdrawal if there is a dispute about the account Account (unless a court has ordered us to allow the withdrawal), the account Account is garnished or attached, the account Account has been pledged as collateral for a debt, the availability of the funds on deposit cannot be verified, any required documentation has not been presented or you fail to repay an obligation to us on time. Our cut-off time for determining priority between 1) checks that were presented the day before and 2) a writ of garnishment or levy is 2:00 p.m. Central Standard Time.

Withdrawal Restrictions and Overdrafts. If We do not have to allow you to make a withdrawal from your account if you do not have sufficient available funds in the account to cover the full amount of the withdrawal. As explained in greater detail below, if there is are available funds to cover some, but not all, of the withdrawals or other debits (such as charges) to your account, we may post the withdrawals or other debts in any order we choose even if paying a particular debit results in an insufficient Current Balance available balance in your account to pay one or more debits that otherwise could have been paid. This may include posting the debits or charges by transaction groups and then in the order of the largest dollar amount item to the smallest dollar amount item (high to low posting). Further, if there are insufficient available funds to cover some of the withdrawals or debits presented against your account, such items will be handled in accordance with our overdraft procedures or in accordance with any other agreement you may have with usus (such as an overdraft protection program). We Even if we choose to pay overdrafts at our sole discretionone or more overdrafts, which means we do are not guarantee that we will always authorize and pay obligated to cover any type of transactionfuture overdrafts. We may refuse to pay determine the balance of your account in connection with determining whether payment of an item will create an overdraft item at any time even though between the time we have previously paid overdrafts receive the item and the deadline for youus to take action on the item. Our payment of overdrafts represents a purely discretionary courtesy or privilege that we may provide you from We are not required to determine your account balance more than one (1) time to time and which during this period. A nonsufficient/overdraft item fee may be reducedassessed on any item that will overdraw the available account balance, suspended regardless of whether we pay or permanently revoked by us at dishonor (return) the item. You agree, immediately upon notice from us, to deposit funds sufficient to cover any time without notice and for any reason or cause. If we determine at our sole discretion that the overdraft activity in your account is approaching or has reached excessive levels, we will initiate a review of your account (including factors such as your year-to-date overdraft plus applicable fees, the amount, frequency and type of deposits to your account and the length of time your account has been with us). As a result of this review, your overdraft privileges could be reduced or suspended (for any period of time we determine is necessary or appropriate)if required. We may also reduce, suspend or permanently revoke your overdraft privileges if we believe for any reason that you are not managing your account in a responsible manner. If we do not authorize and pay an overdraft, your transaction will be returned or declined. Please be advised that if your overdraft privileges are permanently revoked or suspended for any reason we will not allow be liable for the dishonor of any overdrafts in your account. If your overdraft privileges are permanently revoked, or while your overdraft privileges are suspended, any checks or ACH items presented for payment without a sufficient Current Balance to pay them will be returned and you will be charged our standard fee of $32 per returned item. Even if you have opted in to our Standard Overdraft Practices for ATM withdrawals and everyday debit card transactions, if your overdraft privileges on any account are permanently revoked, or while your overdraft privileges are suspended, we will decline those transactions if they would overdraw your account. If your overdraft privileges on any account are permanently revoked for any reason they may not be reinstated. If your overdraft privileges are reduced or suspended for any reason, we reserve the right to reinstate the privileges in whole or in part at our sole discretion. Checks, in-person withdrawals, ATM withdrawals or other electronic withdrawals as applicable, drawn on your account item when the Current Balance is insufficient may be subject to an overdraft or returned item fee. You agree to pay us, and you authorize us to deduct directly from your account, overdraft fees, returned item fees, or any other service charges assessed dishonor occurs because we setoff a debt against your account. Any fee or service charge assessed against your account shall be subject to the provisions of this Agreement, including those set forth in the Right of Offset section. We also may refuse to allow a withdrawal if there is a dispute about the account (unless a court has ordered us to allow the withdrawal), the account is garnished or attached, the account has been pledged as collateral for a debt, the availability of the funds on deposit cannot be verified, any required documentation has not been presented presented, or you fail to repay an obligation to us on time. Our cut-off time for determining priority between 1) checks that were presented the day before and 2) a writ of garnishment or levy is 2:00 p.m. Central Standard Time.