Common Contracts

Deposit Account Agreement And Disclosure

August 28th, 2019

• Filed
  August 28th, 2019

TABLE OF CONTENTS PAGE COLUMBIA BANK DEPOSIT ACCOUNT AGREEMENT AND DISCLOSURE 4 - 14 Introduction 4 Deposit Accounts 4 Interest 4 - 5 Deposit Rules 5 Withdrawal Rules 6 - 7 How to Avoid Overdrafts 7 Stale Dated Checks 7 Checking Accounts 8 Savings Accounts 8 Time Deposits 8 Stop Payment Orders 8 - 9 Individual Accounts 9 Multiple Party Accounts 9 – 10 Joint Account Ownership 9 Totten Trust 9 P.O.D. Account 9 - 10 Additional Account Types 10 Formal Trust Account 10 Uniform Transfers to Minors 11 Agency Account 11 Business Accounts 11 Fiduciary Accounts 11 Assignability 11 Financial Institution Liability 11 Setoff and Security Interest 12 Dormant Accounts 12 Account Statements 12 Account Passbooks 12 Wholesale Wire and ACH Transactions 13 Notices 13 Account Termination 13 Disputes Involving Your Account 14 Sharing Information 14 Miscellaneous Provisions 14 FUNDS AVAILABILITY DISCLOSURE STATEMENT - YOUR ABILITY TOWITHDRAW FUNDS FROM YOUR CHECKING OR SAVINGS ACCOUNTS EFFECTIVE July 21,