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Throughout these Account Rules the terms "you," "your," and "yours" refer to each person who opens an account with us. Posting Order To determine your account balance, it is our practice to process account activity each evening for Items, including checks, ATM withdrawals, debit card transactions, preauthorized automatic debits, internet banking transactions, telephone-initiated transfers or other electronic transfers "Items"received during that business day.
All deposits are processed first followed by the processing of all debits each business day. Debits are processed in batches and in the following order: ACH Items such as preauthorized automatic debits and checks converted to ACH Items are processed in the order of lowest to highest dollar amount.
Checks without a check number are processed in the order of lowest to highest dollar amount followed by checks processed in check number order beginning with the lowest check number to the highest check number. All Bank fees and service charges will be assessed.
Any ACH items that are paid based on the Bank's discretionary decision when there are insufficient funds in your account to cover the ACH item. These decisions may be made outside of the Standard Overdraft Honor Program.
These ACH Items will post lowest to highest dollar amount. Any Check Items that are paid based on the Bank's discretionary decision when there are insufficient funds in your account to cover the Check Items. Checks without a check number are processed in the order of lowest to highest dollar amount followed by checks processed in check number order beginning with lowest check number to the highest check number.
We reserve the right and you grant us the right to charge a fee to non-customers on presentment of a check for immediate payment. You may only use checks furnished or pre-approved by us. We may pay any check regardless of whether or not it contains a restrictive legend or regardless of the date written on the check or even if it is not dated.
However, we reserve the right not to pay any check that is more than six months old. You agree to indemnify us from any losses resulting from improperly placed endorsements. We may charge back any returned deposit items against your account.
We may require you to furnish satisfactory identification before you withdraw money from your account.
You are liable for the improper use of, or your failure to control, your facsimile signature stamp. We are not obligated to verify and shall be held harmless by you for paying any dual signature checks that do not have two signatures.
Stopping Payment You may request that we stop payment on an unpaid check or item, including an electronic item, such as an ACH. You must allow us a reasonable time a minimum of one business day for a check and three business days for a scheduled electronic payment ACH to implement your stop payment order.
You may request a stop payment by telephone, in person, via internet banking, or in writing. You must provide us with the following information, which must be complete and correct: Stop payment requests on checks are valid for six months or until we receive notice that the stop payment has been revoked.
You may renew stop payments on checks for additional six- month periods prior to the expiration of the current stop payment order. If you allow a stop payment order to expire before you renew it, we may pay the check without liability to you during the period between the expiration of the stop payment and the placing of a new stop payment order.
If your account is a personal consumer or business account, you may stop payment on a single electronic debit entry or on multiple debit entries.
A stop payment order on a consumer or business account electronic debit entry will remain in effect until the earlier of 1 your withdrawal of the stop payment or 2 the return of the debit entry, or where a stop payment order is applied to more than one debit entry under a specific authorization involving a specific originator payeeuntil the return of all such debit entries.
If you wish to block all future payments related to a particular authorization or originator, we may ask you to confirm to us in writing that you have revoked the authorization directly with the originator.
Overdrafts Pursuant to the Bank's Account Rules, you agree to pay us the amount of any overdraft and applicable fees immediately, without notice or demand from us.
Each account holder for your account is jointly and severally responsible under these Account Rules for paying any amount due to us. Right of Set-Off At any time, we may apply funds in your account, including benefits payment deposits, to pay any debt due us except as prohibited by law.
If your account is a joint account, we may apply any portion of the funds to pay the debt of all or any joint account holder. We will notify you promptly in writing if we take such action.Bank Teller Cover Letter Sample 3: Your vacancy for the bank teller position has prompted me to apply for it as I meet the requirements mentioned in your advertisement.
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