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YOUR DEPOSIT ACCOUNT - TERMS AND CONDITIONS TABLE OF CONTENTS TERMS AND CONDITIONS Important Information About Procedures for Opening a New Account Agreement Liability Deposits Withdrawals Ownership of Account and Beneficiary Designation Business, Organization and Association Accounts Stop Payments Telephone Transfers Amendments and Termination Statements Account Transfer Direct Deposits Temporary Account Agreement Setoff Authorized Signer Convenience Signer Restrictive Legends Payment Order of Items Facsimile Signatures Check Processing Check Cashing Indorsements Death or Incompetence Fiduciary Accounts Credit Verification Legal Actions Affecting Your Account Security Telephonic Instructions Claim of Loss Early Withdrawal Penalties Address or Name Changes Resolving Account Disputes Waiver of Notices ACH and Wire Transfers Interest Checking Accounts and Non Interest Checking Accounts Unlawful Internet Gambling Notice NOTICE OF NEGATIVE INFORMATION ELECTRONIC FUND TRANSFERS FUNDS AVAILABILITY DISCLOSURE SUBSTITUTE CHECKS AND YOUR RIGHTS TERMS AND CONDITIONS OF YOUR ACCOUNT IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.
We may also ask to see your driver's license or other identifying documents.
In Pennsylvania, AGREEMENT - This document, along with any other documents we give you pertaining to your account sis a contract that establishes rules which control your account s with us.
Please read this carefully and retain it for future reference.
If you sign the signature card or open or continue to use the account, you agree to these rules.
You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document.
If you have any questions, please call us.
This agreement is subject to applicable federal laws, the laws of the state of Pennsylvania and other applicable rules such as the operating letters of the Federal Reserve Banks and payment processing system rules except to the extent that this agreement can and does vary such rules or laws.
The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here.
Any provision that appoints us as an agent is not subject to the provisions of 20 Pa.
Section 5601 et seq.
Chapter 56; Decedents, Estates and Fiduciaries Code.
By exercising any of our rights under this agreement, we do so for our sole benefit.
If any provision of this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect.
We may permit some variations from our standard agreement, but we must agree to any variation in writing either on the here card for your account or in some other document.
As used in this document the words "we" and "our" and "us" mean the financial institution sweepstakes giveaways contests free and the words "you" and "your" mean the account holder s and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the account.
However, this agreement does not intend, and the terms "you" and "your" should not be interpreted, to expand an individual's responsibility for an organization's liability.
If this account is owned by a corporation, partnership or other organization, individual liability is determined by the laws generally applicable to that type of organization.
The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions.
Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular.
Any provision which is not described as applying to a particular state, applies to your read article />In Maryland, AGREEMENT - This document, along with any other documents we give you pertaining to your account sis a contract that establishes rules which control your account s with us.
Please read this carefully and retain it for future reference.
If you sign the signature card or open or continue to use the account, you agree to these rules.
You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document.
If you have any questions, please call us.
This agreement is subject to applicable federal laws, the laws of the state of Maryland and other applicable rules such as the operating letters of the Federal Reserve Banks and payment processing system rules except to the extent that this agreement can and does vary such rules or laws.
The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here.
If any provision of this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect.
We may permit some variations from our standard agreement, but we must agree to any variation in writing either on the signature card for your account or in some other document.
As used in this document the words "we" and "our" and "us" mean the financial institution and the words "you" and "your" mean the account holder s and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the account.
However, this agreement does not intend, and the terms "you" and "your" should not be interpreted, to expand an individual's responsibility for an organization's liability.
If this account is owned by a corporation, partnership or other organization, individual liability is determined by the laws generally applicable to that type of organization.
The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions.
Unless it would be inconsistent to do so, words and phrases used in this document should play casino slots and construed so the singular includes the plural and the plural includes the singular.
Any provision which is not described as applying to a particular state, applies to your account.
LIABILITY - You agree, for yourself and the person or entity you represent if you sign as a representative of another to the terms of this account and the schedule of charges.
You authorize us to deduct these charges, without notice to you, directly from the account balance as accrued.
You will pay any additional reasonable charges for services you request which are not covered by this agreement.
Each of you also agrees to be jointly and severally individually liable for any account shortage resulting from charges or overdrafts, whether caused by you or another with access to this account.
This liability is due immediately, and can be deducted directly from the account balance whenever sufficient funds are available.
You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft.
You will be liable for our costs as well as for our reasonable attorneys' fees, to the extent permitted by law, whether incurred as a result of collection or in any other dispute involving your account.
This includes, but is not limited to, disputes between you and another joint owner; you and an authorized signer or similar party; or a third party claiming an interest in your account.
This also includes any action that you or a third party takes regarding the account that causes us, in good faith, to seek the advice of an attorney, whether or not we become involved in the dispute.
All costs and attorneys' fees can be deducted from your account when they are incurred, without notice to you.
Before settlement of any item becomes final, we act only as your agent, regardless of the form of indorsement or lack of indorsement on the item and even though we provide you provisional credit for the item.
We may reverse any provisional credit for items that are lost, stolen, or returned.
Actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.
We are not responsible for transactions by mail or outside depository until we actually record them.
We will treat and record all transactions received after our "daily cutoff time"on a business day we are open, or received on a day we are not open for business, as if initiated on the next business day that we are open.
At our option, we may take an item for collection rather than for deposit.
If we accept a third-party check for deposit, we may require any third-party indorsers to verify or guarantee their indorsements, or indorse in our presence.
WITHDRAWALS - Generally - Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance at any time.
Each of you until we receive written notice to the contrary authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us.
Postdated checks - A postdated check is one which bears a date later than the date on which the check is written.
We may properly pay and charge your account for a postdated check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act.
Because we process checks mechanically, your notice will not be effective and we will not be liable for failing to honor your notice unless it precisely identifies the number, date, amount and payee of the item.
Checks and withdrawal rules - If you do not purchase your check blanks from us, you must be certain that we approve the check blanks you purchase.
We may refuse any withdrawal or transfer request which you attempt on forms not approved by us or by any method we do not specifically permit.
We may refuse any withdrawal or transfer request which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations.
We will use the date the transaction is completed by us as opposed to the date you initiate it to apply the frequency limitations.
In addition, we may place limitations on the account until your identity is verified.
Even if we honor a nonconforming request, we are not required to do so later.
If you violate the stated transaction limitations if anyin our discretion we may close your account or reclassify it as a transaction account.
If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification.
If we are presented with an item drawn against your account that would be a "substitute check,"as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item.
See the funds availability policy disclosure for information about when you can withdraw funds you deposit.
For those accounts to which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal.
We may determine the amount of available funds in your account for the purpose of deciding whether to return an item for insufficient funds at any time between the time we receive the item and when we return the item or send a notice in lieu of return.
We need only make one determination, but if we choose to make a subsequent determination, the account balance at the subsequent time will determine whether there are insufficient available funds.
A temporary debit authorization hold affects your account balance - On debit card purchases, merchants may request a temporary hold on your account for a specified sum of money, which may be more than the actual amount of your purchase.
When this happens, our processing system cannot determine that the amount of the hold exceeds the actual amount of your purchase.
This temporary hold, and the amount charged to your account, will eventually be adjusted to the actual amount of your purchase, but it may be up to three days before the adjustment is made.
Until the adjustment is made, the amount of funds in your account available for other transactions will be reduced by the amount of the temporary hold.
If another transaction is presented for payment in an amount greater than the funds left after the deduction of the temporary hold amount, that transaction will be a nonsufficient funds NSF transaction if we do not pay it or an overdraft transaction if we do pay it.
You will be charged an NSF or overdraft fee according to our NSF or overdraft fee policy.
You will be charged the fee even if you would have had sufficient funds in your account if the amount of the hold had been equal to the amount of your purchase.
Overdrafts - You understand that we may, at our discretion, honor withdrawal requests that overdraw your account.
However, the fact that we may honor withdrawal requests that overdraw the account balance does not obligate us to do so later.
So you can NOT rely on us to pay overdrafts on your account regardless of how frequently or under what circumstances we have paid overdrafts on your account in the past.
We can change our practice of paying overdrafts on your account without notice to you.
You can ask us if we have other account services that might be available to you where we commit to paying overdrafts under certain circumstances, such as an overdraft protection line-of-credit or a plan to sweep funds from another account you have with us.
You agree that we may charge fees for overdrafts.
For consumer accounts, we will not charge fees for overdrafts caused by ATM withdrawals or one-time debit card transactions if you have not opted-in to that service.
We may use subsequent deposits, including direct deposits of social security or other government benefits, to cover such overdrafts and overdraft fees.
Multiple signatures, electronic check conversion, and similar transactions - An electronic check conversion transaction is a transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation.
In these types of transactions the check or similar item is either removed from circulation truncated or given back to you.
As a result, we have no opportunity to review the check to examine the signatures on the item.
You agree that, as to these or any items as to which we have no opportunity to examine the signatures, you waive any requirement of multiple signatures.
Notice of withdrawal - We reserve the right to require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.
The law requires us to reserve this right, but it is not our general policy to use it.
Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty.
See your notice of penalty for early withdrawal.
In Pennsylvania, OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records.
We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds.
Individual Account - is an account in the name of one person.
Joint Account - With Survivorship And Not As Tenants In Common - is an account in the name of two or more persons.
Each of you intend that when you die the balance in the account subject to any previous pledge to which we have agreed will belong to the survivor s.
If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common.
Joint Account - No Survivorship As Tenants In Common - is owned by two or more persons, but none of you intend merely by opening this account to create any right of survivorship in any other person.
We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you.
This information will not, however, affect the "number of signatures"necessary for withdrawal.
Revocable Trust Account - If two of you create such an account, you own the account jointly with survivorship.
Beneficiaries cannot withdraw unless: 1 all persons creating the account die, and 2 the beneficiary is then living.
If two beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship.
The person s creating this account type reserve the right to: 1 change beneficiaries, 2 change account types, and 3 withdraw all or part of the account funds at any time.
In Maryland, OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records.
We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds.
Unless contrary direction is given in this account agreement, upon the death of a party, the funds in a multiple-party account shall belong to the surviving party or parties.
Individual Account - is an account in the name of one person.
Joint Account - With Survivorship And Not As Tenants In Common - is an account in the name of two or more persons.
Each of you intend that when you die the balance in the account subject to any previous pledge to which we have agreed will belong to the survivor s.
If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common.
Joint Account - No Survivorship As Tenants In Common - is owned by two or more persons, but none of you intend merely more info opening this account to create any right of survivorship in any other person.
We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you.
This information will not, however, affect the "number of signatures"necessary for withdrawal.
Revocable Trust or Pay-On-Death Account - If two or more of you create this type of account, you own the account jointly with survivorship.
Beneficiaries cannot withdraw unless: 1 all persons creating the account die, and 2 the beneficiary is then living.
If two or more beneficiaries are named and survive the death of all persons creating the account, beneficiaries will own this account in equal shares, without right of survivorship.
The person s creating either of these account types may: 1 change beneficiaries, 2 change account types, and 3 withdraw all or part of the account funds at any read more />BUSINESS, ORGANIZATION AND ASSOCIATION ACCOUNTS - Earnings in the form of interest, dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy.
You represent that you have the authority to open and conduct business on this account on behalf of the entity.
We may require the governing body of the entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf.
We will honor the authorization until we actually receive written notice of a change from the governing body of the entity.
STOP PAYMENTS - Unless otherwise provided, the rules in this section cover stopping payment of items such as checks and drafts.
Rules for stopping payment of other types of transfers of funds, such as consumer electronic fund transfers, may be established by law or our policy.
If we have not disclosed these rules to you elsewhere, you may ask us about those rules.
We may accept an order to stop payment on any item from any one of you.
You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it.
Because stop-payment orders are handled by computers, to be effective, your stop-payment order must precisely identify the number, date, and amount of the item, and the payee.
You may stop payment on any item drawn on your account whether you sign the item or not.
Generally, if your stop-payment order is given to us in writing it is effective for six months.
Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period.
We are not obligated to notify you when a stop-payment order expires.
A release of the stop-payment request may be check this out only by the person who initiated the stop-payment order.
If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys' fees.
You assign to us all rights against the payee or any other holder of the item.
You agree to cooperate with us in any legal actions that we may take against such persons.
You should be aware that anyone holding the item may be entitled to enforce payment against you despite the stop-payment order.
TELEPHONE TRANSFERS - A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing.
Unless a different limitation is disclosed in writing, we restrict the number of transfers from a savings or money market account to another account or to third parties, to a maximum of six per month less the number of "preauthorized transfers"during the month.
Other account transfer restrictions may be described elsewhere.
AMENDMENTS AND TERMINATION - We may change any term of this agreement.
Rules governing changes in interest rates are provided separately in the Truth-in-Savings disclosure or in another document.
For other changes, we will give you reasonable notice in writing or by any other method permitted by law.
We may also close this account at any time upon reasonable notice to you and tender of the account balance personally or by mail.
Items presented for payment after the account is closed may be dishonored.
When you close your account, you are responsible for leaving enough money in the account to cover any outstanding items to be paid from the account.
Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective.
For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice.
You agree to keep us informed of your current address at all times.
If we have notified you of a change in any term of your account and you continue to have your account after the effective date of the change, you have agreed to the new term s.
STATEMENTS - Your duty to report unauthorized signatures, alterations and forgeries - You must examine your statement of account with "reasonable promptness.
As between you and us, if you fail to do either of these duties, you will have to either share the loss with us, or bear the loss entirely yourself depending on whether we used ordinary care and, if not, whether we substantially contributed to the loss.
The loss could be not only with respect to items on the statement but other items with unauthorized signatures or alterations by the same wrongdoer.
You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is first sent or made available to you.
You further agree that if you fail to report any unauthorized signatures, alterations or forgeries in your account within 60 days of when we first send or make the statement available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours.
This 60-day limitation lost horseshoe found casino and without regard to whether we used ordinary care.
The limitation in this paragraph is in addition to that contained in the first paragraph of this section.
Your duty to report other errors - In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error - such as an encoding error.
You agree that the time you have to examine your statement and report to us will depend on the circumstances.
However, such time period shall not exceed 60 days.
Failure to examine your statement and report any such errors to us within 60 days of when we first send or make the statement available precludes you from asserting a claim against us for any such errors on items identified in that statement and as between you and us the loss will be entirely yours.
Errors relating to electronic fund transfers or substitute checks - For information on errors relating to electronic fund transfers e.
For information on errors relating to a substitute check you received, refer to your disclosure entitled Substitute Checks and Your Rights.
ACCOUNT TRANSFER - This account may not be transferred or assigned without our prior written consent.
DIRECT DEPOSITS - If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the federal government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law.
We may also use any other legal remedy to recover the amount of our liability.
TEMPORARY ACCOUNT AGREEMENT - If this option is selected, this is a temporary account agreement.
Each person who signs to open the account or has authority to make withdrawals except as indicated to the contrary may transact business on this account.
However, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirements we have imposed within a reasonable time.
SETOFF - We may without prior notice and when permitted by law set off the funds in this account against any due and payable debt you owe us now or in the future, by any of you having the right of withdrawal, to the extent of such persons' or legal entity's right to withdraw.
If the debt arises from a note, "any due and payable debt" includes the total amount of which we are entitled to demand payment under the terms of the note at the time we set off, including any balance the due date for which we properly accelerate under the note.
This right of setoff does not apply to this account if prohibited by law.
For example, the right of setoff does not apply to this account if: a it is an Individual Retirement Account or similar tax-deferred account, or b the debt is created by a consumer credit transaction under a credit card plan but this does not affect our rights under any consensual security interestor c the debtor's right of withdrawal only arises in a representative capacity.
We will not be liable for the dishonor of any check when the dishonor occurs because we set off a debt against this account.
You agree to hold us harmless from any claim arising as a result of our learn more here of our right of setoff.
In Pennsylvania, AUTHORIZED SIGNER Individual Accounts only - A single individual is the owner.
The authorized signer is merely designated to conduct transactions on the owner's behalf.
The owner does not give up any rights to act on the account, and the authorized signer may not in any manner affect the rights of the owner or beneficiaries, if any, other than by withdrawing funds from the account.
The owner is responsible for any transactions of the authorized signer.
We undertake no obligation to monitor transactions to determine that they are on the owner's behalf.
The designation of an authorized signer does not create a power of attorney; therefore, the authorized signer is not subject to the provisions of 20 Pa.
Section 5601 et seq.
Chapter 56; Decedents, Estates and Fiduciaries Code.
The owner may terminate the authorization at any time, and the authorization is automatically terminated by the death of the owner.
However, we may continue to honor the transactions of the authorized signer until: a we have received written notice or have actual knowledge of the termination of authority, and b we have a reasonable opportunity to act on that notice or knowledge.
We may refuse to accept the designation of an authorized signer.
In Maryland, CONVENIENCE SIGNER Individual Accounts only - A single individual is the owner.
The convenience signer is merely designated to conduct transactions on the owner's behalf.
The owner does not give up any rights to act on the account, and the convenience signer may not in any manner affect the rights of the owner or beneficiaries, if any, other than by withdrawing funds from the account.
The owner is responsible for any transactions of the convenience signer.
We undertake no obligation to monitor transactions to determine that they are on the owner's behalf.
The owner may terminate the convenience signer's authorization at any time, and the authorization is automatically terminated by the death of the owner.
However, we may continue to honor the transactions of the convenience signer until: a we have received written notice or have actual knowledge of the termination of authority, and b we have a reasonable opportunity to act on that notice or knowledge.
We may refuse to accept the designation of a convenience signer.
RESTRICTIVE LEGENDS - The automated processing of the large volume of checks we receive prevents us from inspecting or looking for special instructions or "restrictive legends"on every check.
We are not responsible for any losses, see more, damages, or expenses that result from your placement of these or other special instructions on your checks.
PAYMENT ORDER OF ITEMS - The law permits us to pay items such as checks or drafts drawn on your account in any order.
To assist you in handling your account with us, we are providing you with the following information regarding how we process the items that you write.
When processing items drawn on your account, our policy is to pay them in numerical sequence.
Lower item numbers are paid first.
The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented.
There is no policy that is favorable in every instance.
If the smallest items are paid first, you may have fewer NSF or overdraft fees, but the largest, and perhaps more important items such as rent or mortgage payments might not be paid.
If my deposits terms and conditions item is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item creating an overdraft or return the item NSF.
The amounts of the overdraft and NSF fees are disclosed elsewhere.
By paying items in numerical sequence, we think our policy attains a reasonable balance between minimizing additional cost to you and paying your more important items.
We encourage you to make careful records and practice good account management.
This delaware raceway and casino help you to avoid writing checks visit web page drafts without sufficient funds and incurring the resulting fees.
FACSIMILE SIGNATURES - Unless you make advance arrangements with us, we have no obligation to honor facsimile signatures on your checks or other orders.
If we do agree to honor items containing facsimile signatures, you authorize us, at any time, to charge you for all checks, drafts, or other orders, for the payment of money, that are drawn on us.
You give us this authority regardless of by whom or by what means the facsimile signature s may have been affixed so long as they resemble the facsimile signature specimen filed with us, and contain the required number of signatures for this purpose.
You must notify us at once if you suspect that your facsimile signature is being or has been misused.
CHECK PROCESSING - We process items mechanically by relying solely on the information encoded in magnetic ink along the bottom of the items.
This means that we do not individually examine all of your items to determine if the item is properly completed, signed and indorsed or to determine if it contains any information other than what is encoded in magnetic ink.
You agree that we have not failed to exercise ordinary care solely because we use our automated system to process items and do not inspect all items processed in such a manner.
Using an automated process helps us keep costs down for you and all account holders.
CHECK CASHING - We may charge a fee for anyone that does not have an account with us who is cashing a check, draft or other instrument written on your account.
We may also require reasonable identification to cash such a check, draft or other instrument.
We can decide what identification is reasonable under the circumstances and such identification may be documentary or physical and may include collecting a thumbprint or fingerprint.
INDORSEMENTS - We may accept for deposit any item payable to you or your order, even if they are not indorsed by you.
We may give cash back to any one of you.
We may supply any missing indorsement s for any item we accept for deposit or collection, and you warrant that all indorsements are genuine.
To ensure that your check amusing palm springs spa and casino opinion share draft is processed without delay, you must indorse it sign it on the back in a specific area.
Your entire indorsement whether a signature or a stamp along with any other indorsement information e.
Indorsements must be made in blue or black ink, so that they are readable by automated check processing equipment.
As you look at the front of a check, the "trailing edge"is the left edge.
It is important that you confine the indorsement information to this area since the remaining blank space will be used by others in the processing of the check to place additional needed indorsements and information.
You agree that you will indemnify, defend, and hold us harmless for any loss, liability, damage or expense that occurs because your indorsement, another indorsement or information you have printed on the back of the check obscures our indorsement.
These indorsement guidelines apply to both personal and business checks.
DEATH OR INCOMPETENCE - You agree to notify us promptly if any person with a right to withdraw funds from go here account s dies or becomes legally incompetent.
We may continue to honor your checks, items, and instructions until: a we know of your death or incompetence, and b we have had a reasonable opportunity to act on that knowledge.
You agree that we may pay or certify checks drawn on or before the date of death or legal incompetence for up to ten 10 days after your death or legal incompetence unless ordered to stop payment by someone claiming an interest in the account.
FIDUCIARY ACCOUNTS - Accounts may be opened by a person acting in a fiduciary capacity.
A fiduciary is someone who is appointed to act on behalf of and for the benefit of another.
This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement, or as executors, administrators, or conservators under court orders.
You understand that by merely opening such an account, we are not acting in the capacity visit web page a trustee in connection with the trust nor do we undertake any obligation to monitor or enforce the terms of the trust or letters.
CREDIT VERIFICATION - You agree that we may verify credit and employment history by any necessary means, including preparation of a credit report by a credit reporting agency.
LEGAL ACTIONS AFFECTING YOUR ACCOUNT - If we are served with a subpoena, restraining order, writ of attachment or execution, levy, garnishment, search warrant, or similar order relating to your account termed "legal action" in this sectionwe will comply with that legal action.
something rockford and casino you, in our discretion, we may freeze the assets in the account and not allow any payments out of the account until a final court determination regarding the legal action.
We may do these things even if the legal action involves less than all of you.
In these cases, we will not have any liability to you if there are insufficient funds to pay your items because we have withdrawn funds from your account or in any way restricted access to your funds in accordance with the legal action.
Any fees or expenses we incur in responding to any legal action including, without limitation, attorneys' fees and our internal expenses may be charged against your account.
The list of fees applicable to your account s provided elsewhere may specify additional fees that we may charge for certain legal actions.
SECURITY - It is your responsibility to protect the account numbers and electronic access devices e.
Do not discuss, compare, or share information about your account number s with anyone unless you are willing to give them full use of your money.
An account number can be used by thieves to encode your number on a false demand draft which looks like and functions like an authorized check.
If you furnish your access device and grant actual authority to make transfers to another person a family member or coworker, for example who then exceeds that authority, you are liable for the transfers unless we have been notified that transfers by that person are no longer authorized.
Your account number can also be used to electronically remove money from your account.
If you provide your account number in response to a telephone solicitation for the purpose of making a transfer to purchase a service or merchandise, for examplepayment can be made from your account even though you did not contact us directly and order the payment.
You must also take precaution in safeguarding your blank checks.
Notify us at once if you believe your checks have remarkable slot and go paris horaires d'ouverture consider lost or stolen.
As between you and us, if you are negligent in safeguarding your checks, you must bear the loss entirely yourself or share the loss with us we may have to share some of the loss if we failed to use ordinary care and if we substantially contributed to the loss.
You agree that if we offer you services appropriate for your account to help identify and limit fraud or other unauthorized transactions against your account, such as positive pay or commercially reasonable security procedures, and you reject those services, you will be responsible for any fraudulent or unauthorized transactions which could have here prevented by the services we offered, unless we acted in bad faith or to the extent our negligence contributed to the loss.
TELEPHONIC INSTRUCTIONS - Unless required by law or we have agreed otherwise in writing, we are not required to act upon instructions you give us via facsimile transmission or leave by voice mail or on a telephone answering machine.
CLAIM OF LOSS - If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your account, the transaction, and the circumstances surrounding the loss.
You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals.
We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss.
Unless we have acted in bad faith, we will not be liable for special or consequential damages, including loss of profits or opportunity, or for attorneys' fees incurred by you.
You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss.
You will pursue your rights or, at our option, assign them to us so that we may pursue them.
Our liability will be reduced by the amount you recover or are entitled to recover from these other sources.
EARLY WITHDRAWAL PENALTIES and involuntary withdrawals - We may impose early withdrawal penalties on a withdrawal from a time account even if you don't initiate the withdrawal.
For instance, the early withdrawal penalty may be imposed if the withdrawal is caused by our setoff against funds in the account or as a result of an attachment or other legal process.
We may close your account and impose the early withdrawal penalty on the entire account balance in the event of a partial early withdrawal.
See your notice of penalty for early withdrawals for additional information.
ADDRESS OR NAME CHANGES - You are responsible for notifying us of any change in your address or your name.
Unless we agree otherwise, change of address or name must be made in writing by at least one of the account holders.
Informing us of your address or name change on a check reorder form is not sufficient.
We will attempt to communicate with you only by use of the most recent address you have provided to us.
If provided elsewhere, we may impose a service fee if we attempt to locate you.
RESOLVING ACCOUNT DISPUTES - We may place an administrative hold on the funds in your account refuse payment or withdrawal of the funds if it becomes subject to a claim adverse to 1 your own interest; 2 others claiming an interest as survivors or beneficiaries of your account; or 3 a claim arising by operation of law.
The hold may be placed for such period of time as we believe reasonably necessary to allow a legal proceeding to determine the merits of the claim or until we receive evidence satisfactory to us that the dispute has been resolved.
We will not be liable for any items that are dishonored as a consequence of placing a hold on funds in your account for these reasons.
WAIVER OF NOTICES - You waive any notice of non-payment, dishonor or protest regarding any items credited to or charged against your account.
ACH AND WIRE TRANSFERS - This agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers as adopted in the state in which you have your account with us.
buck and butler no deposit bonus code you originate a fund transfer and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment.
We may rely on the number even if it identifies a financial institution, person or account other than the one named.
You agree to be bound by automated clearing house association rules.
These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403 a of the Uniform Commercial Code.
If we do not receive such payment, we are entitled to a refund from you in the amount credited to your account and the party originating such payment will not be considered to have paid the amount so credited.
If we receive a payment order to credit an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit.
INTEREST CHECKING ACCOUNTS AND NON INTEREST CHECKING ACCOUNTS - This Account consists of a checking sub account and a savings sub account.
The Bank may periodically transfer funds between these two sub accounts.
On a sixth transfer during a calendar month, any funds in the savings sub account will be transferred back to the checking sub account.
If your Account is a Plan on which interest is paid, your interest calculation will remain the same.
Otherwise, the savings sub account will be non interest bearing.
The savings sub account will be governed by the rules governing our other savings accounts.
This process will not affect your available balance, the interest you may earn, FDIC insurance protection, or your monthly statement.
UNLAWFUL INTERNET GAMBLING NOTICE - Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship.
Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.
This notice does not mean that we will be reporting such information about you, only that we may report such information about customers that have not done what they are required to do under our agreement.
After providing this notice, additional negative information may be submitted without providing another notice.
We may report information about your account to credit bureaus.
Late payments, missed payments or other defaults on your account may be reflected in your credit report.
Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed.
You should keep this notice for future reference.
Electronic Fund Transfers Initiated By Third Parties.
You may authorize a third party to initiate electronic fund transfers between your account and the third party's account.
These transfers to make or receive payment may be one-time occurrences or may recur as directed by you.
These transfers may use the Automated Clearing House ACH or other payments network.
Your authorization to the third party to make these transfers can occur in a number of ways.
For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt.
In all cases, these third party transfers will require you to provide the third party with your account number and bank information.
This information can be found on your check as well as on a deposit or withdrawal slip.
Thus, you should only provide your bank and account information whether over the phone, the Internet, or via some other method to trusted third parties whom you have authorized to initiate these electronic fund transfers.
You may make arrangements for certain direct deposits to be accepted into your checking, savings, or money market account s.
You may make arrangements to pay certain recurring bills from your checking, statement savings, or money market savings account s.
You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills.
You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.
Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts.
Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM transfers.
If you effect a transaction with your MasterCard®-branded debit card in a currency other than US Dollars, MasterCard will convert the charge into a US Dollar amount.
The MasterCard currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by MasterCard.
The exchange rate MasterCard uses will be a rate in effect on the day the transaction is processed.
This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account.
Advisory Against Illegal Use.
You agree not to use your card s for illegal gambling or other illegal purpose.
Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.
Except as indicated elsewhere, we do not charge for these electronic fund transfers.
When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.
You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal.
If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, the person or company making the deposit will tell you every time they send us the money or you can call us at 814 443-9200 to find out whether or not the deposit has been made.
You will get a monthly account statement from us for your checking accounts: You will get a monthly account statement from us for your savings or money market accounts, unless there are no transfers in a particular month.
In any case, you will get a statement at least quarterly.
If you have told us in advance to make regular payments out of your account, you can stop any of these payments.
Here is how: Call or write us at the telephone number or address listed in this brochure in time for us to receive your request 3 business days or more before the payment is scheduled to be made.
If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
Please refer to our separate fee schedule for the amount we will charge you for each stop payment order you give and for revocation of a preauthorized debit.
If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be.
You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.
If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
FINANCIAL INSTITUTION'S LIABILITY Liability for failure to make transfers.
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages.
However, there are some exceptions.
UNAUTHORIZED TRANSFERS a Consumer liability.
Telephoning is the best way of keeping your possible losses down.
You could lose all the money in your account plus your maximum overdraft line of credit.
Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once.
If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.
If a good reason such as a long trip or a hospital stay kept you from telling us, we will extend the time periods.
You will not be liable for any unauthorized transactions using your MasterCard®-branded debit card if: i you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and ii upon becoming aware of a loss or theft, you promptly report the loss or theft to us.
You should also call the number or write to the address listed in this brochure if you believe a transfer has been made using the information from your check without your permission.
ERROR RESOLUTION NOTICE In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt.
We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days 20 business days if the transfer involved a new account after we hear from you and will correct any error promptly.
If we need more time, however, we may take up to 45 days 90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer to investigate https://new-fit.ru/and/lakeside-inn-and-casino-address.html complaint or question.
If we decide to do this, we will credit your account within 10 business days 20 business days if the transfer involved a new account for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.
If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.
Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.
We will tell you the results within three business days after completing our investigation.
If we decide that there was no error, we will send you a written explanation.
You may ask for copies of the documents that we used in our investigation.
SOMERSET TRUST COMPANY CUSTOMER SERVICE 151 WEST MAIN STREET, P.
Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit.
Electronic direct deposits will be available on the day we receive the deposit.
Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written.
Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays.
If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit.
However, if you make a deposit after closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
If you make a deposit at an ATM before 2:00 P.
However, if you make a deposit at an ATM after 2:00 P.
If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account.
Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.
LONGER DELAYS MAY APPLY Funds you deposit by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid.
You redeposit a check that has been returned unpaid.
You have overdrawn your account repeatedly in the last six months.
There is an emergency, such as failure of computer or communications equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available.
They will generally be available no later than the seventh business day after the day of your deposit.
SPECIAL RULES FOR NEW ACCOUNTS If you are a new customer, the following special rules will apply during the first 30 days your account is open.
Funds from electronic direct deposits to your account will be available on the day we receive the deposit.
For example, the checks must be payable to you and you may have to use a special deposit slip.
If your deposit of these checks other than a U.
Funds from all other check deposits will be available on the tenth business day after the day of your deposit.
The following Substitute Check Disclosure provides information about substitute checks and your rights.
So you will recognize substitute checks when you receive them, we have included a copy my deposits terms and conditions the front side of a substitute check along with an explanation of the substitute check's components.
What is a substitute check?
To make check processing faster, federal law permits banks to replace original checks with "substitute checks.
The front of a substitute check states: "This is a legal copy of your check.
You can use it the same way you would use the original check.
Some or all of the checks that you receive back from us may be substitute checks.
This notice describes rights you have when you receive substitute checks from us.
The rights in this notice do not apply to original checks or to electronic debits to your account.
However, you have rights under other law with respect to those transactions.
What are my rights regarding substitute checks?
In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check.
The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal for example, bounced check fees.
The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less.
You also are entitled to interest on the amount of your refund if your account is an interest-bearing account.
If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.
We may reverse the refund including any interest on the refund if we later are able to demonstrate that the substitute check was correctly posted to your account.
How do I make a claim for a refund?
If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at: Somerset Trust Company 151 W.
Somerset, PA 15501 You must contact us within 60 calendar days of the date that we mailed or otherwise delivered by a means to which you agreed the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later.
We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.
You can use it the same way you would use the original check.
It is also possible for the MICR line on the substitute check to begin with a "5"if best online game names ever item is being returned.
The rest of the MICR line is the same as the original check to ensure that it is processed as though it were the original.
Main Street Somerset, PA 15501 Somerset Plaza Branch 1614 North Center Avenue Somerset, PA 15501 Somerset Crossing Branch Located in Wal-Mart 2028 North Center Avenue Somerset, PA 15501 Glades Pike Branch 4185 Glades Pike Road Somerset, PA 15501 Berlin Branch 420 Main Street Berlin, PA 15530 Johnstown Branch 116 Market Street Johnstown, PA 15901 Richland Branch 1416 Scalp Avenue Johnstown, PA 15904 Meyersdale Branch 151 Center Street Meyersdale, PA 15552 Meyersdale Southside Branch 7209 Mason Dixon Hwy Meyersdale, PA 15552 Hooversville Branch 801 Barn Street Hooversville, PA 15936 Confluence Branch 612 Logan Place Confluence, PA 15424 Goucher Street Branch at Giant Eagle 344 Goucher Street, Suite 10 Johnstown, PA 15905 Champion Branch 1446 County Line Road Champion, PA 15622 Vinco Branch 2690 William Penn Ave, Suite 5 Johnstown, PA 15909 Westwood Branch 1739 Lyter Drive Johnstown, PA 15905 Ligonier Giant Eagle Branch 117 South Walnut Street Ligonier, PA 15658 Ligonier Branch 228 W.
Main Street Ligonier, PA 15658 Oak Grove Branch 3720 State Route 711 Ligonier, PA 15658 Fishertown Branch 2095 Quaker Valley Road Fishertown, PA 15539 National Pike Branch 4634 National Pike Markleysburg, PA 15459 Boswell Branch 802 Atkinson Way Boswell, PA 15531 Connellsville Branch Located in Wal-Mart 1450 Morrell Avenue Connellsville, PA 15424 Adrian's Market Branch 1176 National Pike Hopwood, PA 15445 Grantsville Branch 3245 Chestnut Ridge Road Grantsville, MD 21536 Mount Pleasant Branch Inside Walmart 2100 Summit Ridge Plaza Mt Pleasant, PA 15666 Pechin Branch 300 Laurel Drive Connellsville, PA 15425 Bedford Office 8796 Lincoln Hwy Bedford, PA 15522 Youngwood Branch 250 South 3rd Street Youngwood, PA 15697 Connellsville Train Station Office 904 West Crawford Ave Connellsville, PA 15425 Pitt-Johnstown Branch 450 Schoolhouse Road Johnstown, PA 15904 Richland Giant Eagle Branch 1513 Scalp Avenue Johnstown, PA 15904 Fayette Plaza Giant Eagle Branch 581 Pittsburgh Road Uniontown, PA 15401 www.

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YOUR DEPOSIT ACCOUNT - TERMS AND CONDITIONS TABLE OF CONTENTS TERMS AND CONDITIONS Important Information About Procedures for Opening a New Account Agreement Liability Deposits Withdrawals Ownership of Account and Beneficiary Designation Business, Organization and Association Accounts Stop Payments Telephone Transfers Amendments and Termination Statements Account Transfer Direct Deposits Temporary Account Agreement Setoff Authorized Signer Convenience Signer Restrictive Legends Payment Order of Items Facsimile Signatures Check Processing Check Cashing Indorsements Death or Incompetence Fiduciary Accounts Credit Verification Legal Actions Affecting Your Account Security Telephonic Instructions Claim of Loss Early Withdrawal Penalties Address or Name Changes Resolving Account Disputes Waiver of Notices ACH and Wire Transfers Interest Checking Accounts and Non Interest Checking Accounts Unlawful Internet Gambling Notice NOTICE OF NEGATIVE INFORMATION ELECTRONIC FUND TRANSFERS FUNDS AVAILABILITY DISCLOSURE SUBSTITUTE CHECKS AND YOUR RIGHTS TERMS AND CONDITIONS OF YOUR ACCOUNT IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.
We may also ask to see your driver's license or other identifying documents.
In Pennsylvania, AGREEMENT - This document, along with any other documents we give you pertaining to your account sis a contract that establishes rules which control your account s with us.
Please read this carefully and retain it for future reference.
If you sign the signature card or open or continue to use the account, you agree to these rules.
You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document.
If you have any questions, please call us.
This agreement is subject to applicable federal laws, the laws of the state of Pennsylvania and other applicable rules such as the operating letters of the Federal Reserve Banks and payment processing system rules except to the extent that this agreement can and does vary such rules or laws.
The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here.
Any provision that appoints us as an agent is not subject to the provisions of 20 Pa.
Section 5601 et seq.
Chapter 56; Decedents, Estates and Fiduciaries Code.
By exercising any of our rights under this agreement, we do so for our sole benefit.
If any provision of this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect.
We may permit some variations from our standard agreement, but we must agree to any variation in writing either on the signature card for your account or in some other document.
As used in this document the words "we" and "our" and "us" mean the financial institution and the words "you" and "your" mean the account holder s and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the account.
However, this agreement does not intend, and the terms "you" and "your" should not be interpreted, my deposits terms and conditions expand an individual's responsibility for an organization's liability.
If this account is owned by a corporation, partnership or other organization, individual liability is determined by the laws generally applicable to that type of organization.
The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions.
Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular.
Any provision which is not described as applying to a particular state, applies to your account.
In Maryland, AGREEMENT - This document, along with any other documents we give you pertaining to your account sis a contract that establishes rules which control your account s with us.
Please read this carefully and retain it for future reference.
If you sign the signature card or open or continue to use the account, you agree to these rules.
You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document.
If you have any questions, please call us.
This agreement is subject to applicable federal laws, the laws of the state of Maryland and other applicable rules such as the operating letters of the Federal Reserve Banks and payment processing system rules except to the extent that this agreement can and does vary such rules or laws.
The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here.
If any provision of this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect.
We may permit some variations from our standard agreement, but we must agree to any variation in writing either on the signature card for your account or in some other document.
As used in this document the words "we" and "our" and "us" mean the financial institution and the words "you" and "your" mean the account holder s and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the account.
However, this agreement does not intend, and the terms "you" and "your" should not be interpreted, to expand an individual's responsibility for an organization's liability.
If this account is railroad pass hotel and casino by a corporation, partnership or other organization, individual liability is determined by the laws generally applicable to that type of organization.
The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions.
Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular.
Any provision which is not described as applying to a particular state, applies to your account.
LIABILITY - You agree, for yourself and the person or entity you represent if you sign as a representative of another to the terms of this account and the schedule of charges.
You authorize us to deduct these charges, without notice to you, directly from the account balance as accrued.
You will pay any additional reasonable charges for services you request which are not covered by this agreement.
Each of you also agrees to be jointly and severally individually liable for any account shortage resulting from charges or overdrafts, whether caused by you or another with access to this account.
This liability is due immediately, and can be deducted directly from the account balance whenever sufficient funds are available.
You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft.
You will be liable click at this page our costs as well as for our reasonable attorneys' fees, to the extent permitted by law, whether incurred as a result of collection or in any other dispute involving your account.
This includes, but is not limited to, disputes between you and another joint owner; you and an authorized signer or similar party; or a third free sun and slot download claiming an interest in your account.
This also includes any action that you or a third party takes regarding the account that causes us, in good faith, click at this page seek the advice of an attorney, whether or not we become involved in the dispute.
All https://new-fit.ru/and/buck-and-butler-no-deposit-bonus-code.html and attorneys' fees can be deducted from your account when they are incurred, without notice to you.
Before settlement of any item becomes final, we act only as your agent, regardless of the form of indorsement or lack of indorsement on the item and even though we provide you provisional credit for the item.
We may reverse any provisional credit for items that are lost, stolen, or returned.
Actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.
We are not responsible for transactions by mail or outside depository until we actually record them.
We will treat and record all transactions received after our "daily cutoff time"on a business day we are open, or received on a day we are not open for business, as if initiated on the next business day that we are open.
At our option, we may take an item for collection rather than for deposit.
If we accept a third-party check for deposit, we may require any third-party indorsers to verify or guarantee their indorsements, or indorse in our presence.
WITHDRAWALS - Generally - Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance at any time.
Each of you until we receive written notice to the contrary authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us.
Postdated checks - A postdated check is one which bears a date later than the date on which the check is written.
We may properly pay and charge your account for a postdated check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act.
Because we process checks mechanically, your notice will not be effective and we will not be liable for failing to honor your notice unless it precisely identifies the number, date, amount and payee of the item.
Checks and withdrawal rules - If you do not purchase your check blanks from us, you must be certain that we approve the check blanks you purchase.
We may refuse any withdrawal or transfer request which you attempt on forms not approved by us or by any method we do not specifically permit.
We may refuse any withdrawal or transfer request which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations.
We will use the date the transaction is completed by us as opposed to the date you initiate it to apply the frequency limitations.
In addition, we may place limitations on the account until your identity is verified.
Even if we honor a nonconforming request, we are not required to do so later.
If you violate the stated transaction limitations if anyin our discretion we may close your account or reclassify it as a transaction account.
If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification.
If we are presented with an item drawn against your account that would be a "substitute check,"as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item.
See the funds availability policy disclosure for information about when you can withdraw funds you deposit.
For those accounts to which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal.
We may determine the amount of available funds in your account for the purpose of deciding whether to return an item for insufficient funds at any time between the time we receive the item and when we return the item or send a notice in lieu of return.
We need only make one determination, but if we choose to make a subsequent determination, the account balance at the subsequent time will determine whether there are insufficient available funds.
A temporary debit authorization hold affects your account balance - On debit card purchases, merchants may request a temporary hold on your account for a specified sum of money, which may be more than the actual amount of your purchase.
When this happens, our processing system cannot determine that the amount of the hold exceeds the actual amount of your purchase.
This temporary hold, and the amount charged to your account, will eventually be adjusted to the actual amount of your purchase, but it may be up to three days before the adjustment is made.
Until the adjustment is made, the amount of funds in your account available for other transactions will be reduced by the amount of the temporary hold.
If another transaction is presented for payment in an amount greater than the funds left after the deduction of the temporary hold amount, that transaction will be a nonsufficient funds NSF transaction if we do not pay it or an overdraft transaction if we do pay it.
You will be charged an NSF or overdraft fee according to our NSF or overdraft fee policy.
You will be charged the fee even if you would have had sufficient funds in your account if the amount of the hold had been equal to the amount of your purchase.
Overdrafts - You understand that we may, at our discretion, honor withdrawal requests that overdraw your account.
However, the fact that we may honor withdrawal requests that overdraw the account balance does not obligate us to do so later.
So you can NOT rely on us to pay overdrafts on your account regardless of how frequently or under what circumstances we have paid overdrafts on your account in the past.
We can change our practice of paying overdrafts on your account without notice to you.
You can ask us if we have other account services that might be available to you where we commit to paying overdrafts under certain circumstances, such as an overdraft protection line-of-credit or a plan to sweep funds from another account you have with us.
You agree that we may charge fees for overdrafts.
For consumer accounts, we will not charge fees for overdrafts caused by ATM withdrawals or one-time debit card transactions if you have not opted-in to that service.
We may use subsequent deposits, including direct deposits of social security or other government benefits, to cover such overdrafts and overdraft fees.
Multiple signatures, electronic check conversion, and similar transactions - An electronic check conversion transaction is a transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation.
In these types of transactions the check or similar item is either removed from circulation truncated or given back to you.
As a result, we have no opportunity to review the check to examine the signatures on the item.
You agree that, as to these or any items as to which we have no opportunity to examine the signatures, you waive any requirement of multiple signatures.
Notice of withdrawal - We reserve the right to require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.
The law requires us to reserve this right, but it is not our general policy to use it.
Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty.
See your notice of penalty for early withdrawal.
In Pennsylvania, OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records.
We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds.
Individual Account - is an account in the name of one person.
Joint Account - With Survivorship And Not As Tenants In Common - is an account in the name of two or more persons.
Each of you intend that when you die the balance in the account subject to any previous pledge to which we have agreed will belong to the survivor s.
If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common.
Joint Account - No Survivorship As Tenants In Common - is owned by two or more persons, but none of you intend merely by opening this account to create any right of survivorship in any other person.
We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you.
This information will not, however, affect the "number of signatures"necessary for withdrawal.
Revocable Trust Account - If two of you create such an account, you own the account jointly with survivorship.
Beneficiaries cannot withdraw unless: 1 all persons creating the account die, and 2 the beneficiary is then living.
If two beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship.
The person s creating this account type reserve the right to: 1 change beneficiaries, 2 change account types, and 3 withdraw all or part of the account funds at any time.
In Maryland, OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply article source this account depending on the form of ownership and beneficiary designation, if any, specified on the account records.
We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds.
Unless contrary direction is given in this account agreement, upon the death of a party, the funds in a multiple-party account shall belong to the surviving party or parties.
Individual Account - is an account in the name of one person.
Joint Account - With Survivorship And Not As Tenants In Common - is an account in the name of two or more persons.
Each of you intend that when you die the balance in the account subject to any previous pledge to which we have agreed will belong to the survivor s.
If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common.
Joint Account - No Survivorship As Tenants In Common - is owned by two or more persons, but none of you intend merely by opening this account to create any right of survivorship in any other person.
We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you.
This information will not, however, affect the "number of signatures"necessary for withdrawal.
Revocable Trust or Pay-On-Death Account - If two or more of you create this type of account, you own the account jointly with survivorship.
Beneficiaries cannot withdraw unless: 1 all persons creating the account die, and 2 the beneficiary is then living.
If two or more beneficiaries are named and survive the death of all persons creating the account, beneficiaries will own this account in equal shares, without right of survivorship.
The person s creating either of these account types may: 1 change beneficiaries, 2 change account types, and 3 withdraw all or part of the account funds at any time.
BUSINESS, ORGANIZATION AND ASSOCIATION ACCOUNTS - Earnings in the form of interest, dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy.
You represent that you have the authority to open and conduct business on this account on behalf of the entity.
We may require the governing body of the entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf.
We will honor the authorization until we actually receive written notice of a change from the governing body of the entity.
STOP PAYMENTS - Unless otherwise provided, the rules in this section cover stopping payment of items such as checks and drafts.
Rules for stopping payment of other types of transfers of funds, such as consumer electronic fund transfers, may be established by law or our policy.
If we have not disclosed these rules to you elsewhere, you may ask us about those rules.
We may accept an order to stop payment on any item from any one of you.
You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it.
Because stop-payment orders are handled by computers, to be effective, your stop-payment order must precisely identify the number, date, and amount of the item, and the payee.
You may stop payment on any item drawn on your account whether you sign the item or not.
Generally, if your stop-payment order is given to us in writing it is effective for six months.
Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period.
If the original stop-payment order was verbal your stop-payment order will lapse after 14 calendar days if you do not confirm your order in writing within that time period.
We are not obligated to notify you when a stop-payment order expires.
A release of the stop-payment request may be made only by the person who initiated the stop-payment order.
If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys' fees.
You assign to us all rights against the payee or any other holder of the item.
You agree to cooperate with us in any legal actions that we may take against such persons.
You should be aware that anyone holding the item may be entitled to enforce payment against you despite the stop-payment order.
TELEPHONE TRANSFERS - A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons best online game names ever under the same conditions generally applicable to withdrawals made in writing.
Unless a different limitation is disclosed in writing, we restrict the number of transfers from a savings or money market account to another account or to third parties, to a maximum of six per month less the number of "preauthorized transfers"during the month.
Other account transfer restrictions may be described elsewhere.
AMENDMENTS AND TERMINATION - We may change any term of this agreement.
Rules governing changes in interest rates are provided separately in the Truth-in-Savings disclosure or in another document.
For other changes, we will give you reasonable notice in writing or by any other method permitted by law.
We may also close this account at any time upon reasonable notice to you and tender of the account balance personally or by mail.
Items presented for payment after the account is closed may be dishonored.
When you close your account, you are responsible for leaving enough money in the account to cover any outstanding items to be paid from the account.
Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective.
For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice.
You agree to keep us informed of your current address at all times.
If we have notified you of a change in any term of your account and you continue to have your account after the effective date of the change, you have agreed to the new term s.
STATEMENTS - Your duty to report unauthorized signatures, alterations and forgeries - You must examine your statement of account with "reasonable promptness.
As between you and us, if you fail to do either of these duties, you will have to either share the loss with us, or bear the loss entirely yourself depending on whether we used ordinary care and, if not, whether we substantially contributed to the loss.
The loss could be not only with respect to items on the statement but other items with please click for source signatures or alterations by the same wrongdoer.
You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is first sent or made available to you.
You further agree that if you fail to report any unauthorized signatures, alterations or forgeries in your account within 60 days of when we first send or make the statement available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours.
This 60-day limitation is without regard to whether we used ordinary care.
The limitation in this paragraph is in addition to that contained in the first paragraph of this section.
Your duty to report other errors - In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error - such as an encoding error.
You agree that the time you have to examine your statement and report to us will depend on the circumstances.
However, such time period shall not exceed 60 days.
Failure to examine your statement and report any such errors to us within 60 days of when we first send or make the statement available precludes you from asserting a claim against us for any such errors on items identified in that statement and as between you and us the loss will be entirely yours.
Errors relating to electronic fund transfers or substitute checks - For information on errors relating to electronic fund transfers e.
For information on errors relating to a substitute check you received, refer to your disclosure entitled Substitute Checks and Your Rights.
ACCOUNT TRANSFER - This account may not be transferred or assigned without our prior written consent.
DIRECT DEPOSITS - If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the federal government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law.
We may also use any other legal remedy to recover the amount of our liability.
TEMPORARY ACCOUNT AGREEMENT - If this option is selected, this is a temporary account agreement.
Each person who signs to open the account or has authority to make withdrawals except as indicated to the contrary may transact business on this account.
However, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirements we have imposed within a reasonable time.
SETOFF - We may without prior notice and when permitted by law set off the funds in this account against any due and payable debt you owe us now or in the future, by any of you having the right of withdrawal, to the extent of such persons' or legal entity's right to withdraw.
If the debt arises from a note, "any due and payable debt" includes the total amount of which we are entitled to demand payment under the terms of the note at the time we set off, including any balance the due date for which we properly accelerate under the note.
This right of setoff does not apply to this account if prohibited by law.
For example, the right of setoff does not apply to this account if: a it is an Individual Retirement Account or similar tax-deferred account, or b the debt is created by a consumer credit transaction under a credit card plan but this does not affect our rights under any consensual security interestor c the debtor's right of withdrawal only arises in a representative capacity.
We will not be liable for the dishonor of any check when the dishonor occurs because we set off a debt against this account.
You agree to hold us harmless from any claim arising as a result of our exercise of our right of setoff.
In Pennsylvania, AUTHORIZED SIGNER Individual Accounts only - A single individual is the owner.
The authorized signer is merely designated to conduct transactions on the owner's behalf.
The owner does not give up any rights to act on the account, and the authorized signer may not in any manner affect the rights of the owner or beneficiaries, if any, other than by withdrawing funds from the account.
The owner is responsible for any transactions of the authorized signer.
We undertake no obligation to monitor transactions to determine that they are on the owner's behalf.
The designation of an authorized signer does not create a power of attorney; therefore, the authorized signer is not subject to the provisions of 20 Pa.
Section 5601 et seq.
Chapter 56; Decedents, Estates and Fiduciaries Code.
The owner may terminate the authorization at any time, and the authorization is automatically terminated by the death of the owner.
However, we may continue to honor the transactions of the authorized signer until: a best online game names ever have received written notice or have actual knowledge of the termination of authority, and b we have a reasonable opportunity to check this out on that notice or knowledge.
We may free contests sweepstakes giveaways to accept the designation of an authorized signer.
In Maryland, CONVENIENCE SIGNER Individual Accounts only - A single individual is the owner.
The convenience signer is merely designated to conduct transactions on the owner's behalf.
The owner does not give up any rights to act on the account, and the convenience signer may not in any manner affect the rights of the owner or beneficiaries, if any, other than by withdrawing funds from the account.
The owner is responsible for any transactions of the convenience signer.
We undertake no obligation to monitor transactions to determine that they are on the owner's behalf.
The owner may terminate the convenience signer's authorization at any time, and the authorization is automatically terminated by the death of the owner.
However, we may continue to honor the transactions of the convenience signer until: a we have received written notice or have actual knowledge of the termination of authority, and b we have a reasonable opportunity to act on that notice or knowledge.
We may refuse to accept the designation of a convenience signer.
RESTRICTIVE LEGENDS - The automated processing of the large volume of checks we receive prevents us from inspecting or looking for special instructions or "restrictive legends"on every check.
We are not responsible for any losses, claims, damages, or expenses that result from your placement of these or other special instructions on your checks.
PAYMENT ORDER OF ITEMS - The law permits us to pay items such as checks or drafts drawn on your account in any order.
To assist you in handling your account with us, we are providing you with the following information regarding how we process the items that you write.
When processing items drawn on your account, our policy is to pay them in numerical sequence.
Lower item numbers are paid first.
The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented.
There is no policy that is favorable in every instance.
If the smallest items are paid first, you may have fewer NSF or overdraft fees, but the largest, and perhaps more important items such as rent or mortgage payments might not be paid.
If an item is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item creating an overdraft or return the item NSF.
The amounts of the overdraft and NSF fees are disclosed elsewhere.
By paying items in numerical sequence, we think our policy attains a reasonable balance between minimizing additional cost to you and paying your more important items.
We encourage you to make careful records and practice good account management.
This will help you to avoid writing checks or drafts without sufficient funds and incurring the resulting fees.
FACSIMILE SIGNATURES - Unless you make advance arrangements with us, we have no obligation to honor facsimile signatures on your checks or other orders.
If we do agree to honor items containing facsimile signatures, you authorize us, at oranje and kroon casino time, to charge you for all checks, drafts, or other orders, for the payment of money, that are drawn on us.
You give us this authority regardless of by whom or by what means the facsimile signature s may have been affixed so long as they resemble the facsimile signature specimen filed with us, and contain the required number of signatures for this purpose.
You must notify us at once if you suspect that your facsimile signature is being or has been misused.
CHECK PROCESSING - We process items mechanically by relying solely on the information encoded in magnetic ink along the bottom of the items.
This means that we do not individually examine all of your items to determine if the item is properly completed, signed and indorsed go here to determine if it contains any information other than what is encoded in magnetic ink.
You agree that we have not failed to exercise ordinary care solely because we use our automated system to process items and do not inspect all items processed in such a manner.
Using an automated process helps us keep costs down for you and all account holders.
CHECK CASHING - We may charge a fee for anyone that does not have an account with us who is cashing a check, draft or other instrument written on your account.
We may also require reasonable identification to cash such a check, draft or other instrument.
We can decide what identification is reasonable under the circumstances and such identification may be documentary or physical and may include collecting a thumbprint or fingerprint.
INDORSEMENTS - We may accept for deposit any item payable to you or your order, even if they are not indorsed by you.
We may give cash back to any one of you.
We may supply any missing indorsement s for any item we accept for deposit or collection, and you warrant that all indorsements are click />To ensure that your check or share draft is processed without delay, you must indorse it sign it on the back in a specific area.
Your entire indorsement whether a signature or a stamp along with any other indorsement information e.
Indorsements must be made in blue or black ink, so that they are readable by automated check processing equipment.
As you look at the front of a check, the "trailing edge"is the left edge.
It is important that you confine the indorsement information to this area since the remaining blank space will be used by others in the processing of the check to place additional needed indorsements and information.
You agree that you will indemnify, defend, and hold us harmless for any loss, liability, damage or expense that occurs because your indorsement, another indorsement or information you have printed on the back of the check obscures our indorsement.
These indorsement guidelines apply to both personal and business checks.
DEATH OR INCOMPETENCE - You agree to notify us promptly if any person with a right to withdraw funds from your account s dies or becomes legally incompetent.
We may continue to honor your checks, items, and instructions until: a we know of your death or incompetence, and b we have had a reasonable opportunity to act on that knowledge.
You agree that we may pay or certify checks drawn on or before the date of death or legal incompetence for up to ten 10 days after your death or legal incompetence unless ordered to stop payment by someone claiming an interest in the account.
FIDUCIARY ACCOUNTS - Accounts may be opened by a person acting in a fiduciary capacity.
A fiduciary is someone who is appointed to act on behalf of and for the benefit of another.
This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement, or as executors, administrators, or conservators under court orders.
You understand that by merely opening such an account, we are not acting in the capacity of a trustee in connection with the trust nor do we undertake any obligation to monitor or enforce the terms of the trust or letters.
CREDIT VERIFICATION - You agree that we may verify credit and employment history by any necessary means, including preparation of a credit report by a credit reporting agency.
LEGAL ACTIONS AFFECTING YOUR ACCOUNT - If we are served with a subpoena, restraining order, writ of attachment or execution, levy, garnishment, search warrant, or similar order relating to your account termed "legal action" in this sectionwe will comply with that legal action.
Or, in our discretion, we may freeze the assets in the account and not allow any payments out of the account until a final court determination regarding the legal action.
We may do these things even if the legal action involves less than all of you.
In these cases, we will not have any liability to you if there are insufficient funds to pay your items because we have withdrawn funds from your account or in any way restricted access to your funds in accordance with the legal action.
Any fees or expenses we incur in responding to any legal action including, without limitation, attorneys' fees and our internal expenses may be charged against your account.
The list of fees applicable to your account s provided elsewhere may specify additional fees that we may charge for certain legal actions.
SECURITY - It is your responsibility to protect the account numbers and electronic access devices e.
Do not discuss, compare, or share information about click to see more account number s with anyone unless you are willing to give them full use of your money.
An account number can be used by thieves to encode your number on a false demand draft which looks like and functions like an authorized check.
If you furnish your access device and grant actual authority to make transfers to another person a family member or coworker, for example who then exceeds that authority, you are liable for the transfers unless we have been notified that transfers by that person are no longer authorized.
Your account number can also be used to electronically remove money from your account.
If you provide your account number in response to a telephone solicitation for the purpose of making a transfer to purchase a service or merchandise, for examplepayment can be made from your account even though you did not contact us directly and order the payment.
You must also take precaution in safeguarding your blank checks.
Notify us at once if you believe your checks have been lost or stolen.
As between you and us, if you are negligent in safeguarding your checks, you must bear the loss entirely yourself or share the loss with us we may have to share some of the loss if we failed to use ordinary care and if we substantially contributed to the loss.
You agree that if we offer you services appropriate for your account to help identify and limit fraud or other unauthorized transactions against your account, such source positive pay or commercially reasonable security procedures, and you reject those services, you will be responsible for any fraudulent or unauthorized transactions which could have been prevented by the services we offered, unless we acted in bad faith or to the extent our negligence contributed to the loss.
TELEPHONIC INSTRUCTIONS - Unless required by law or we have agreed otherwise in writing, we are not required to act upon instructions you give us via facsimile transmission or leave by voice mail or on a telephone answering machine.
CLAIM OF LOSS - If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your account, the transaction, and the circumstances surrounding the loss.
You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals.
We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss.
Unless we have acted in bad faith, we will not be liable best online game names ever special or consequential damages, including loss of profits or opportunity, or for attorneys' fees incurred by you.
You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss.
You will pursue your rights or, at our option, assign them to us so that we may pursue them.
Our liability will be reduced by the amount you recover or are entitled to recover from these other sources.
EARLY WITHDRAWAL PENALTIES and involuntary withdrawals - We may impose early withdrawal penalties on a withdrawal from a time account even if you don't initiate the withdrawal.
For instance, the early withdrawal penalty may be imposed if the withdrawal is caused by our setoff against funds in the account or as a result of an attachment or other legal process.
We may close your account and impose the early withdrawal penalty on the entire account balance in the event of a partial early withdrawal.
See your notice of penalty for early withdrawals for additional information.
ADDRESS OR NAME CHANGES - You are responsible for notifying us of any change in your address or your name.
Unless we agree otherwise, change of address or name must be made in writing by at least one of the account holders.
Informing us of your address or name change on a check reorder form is not sufficient.
We will attempt to communicate with you only by use of the most recent address you have provided to us.
If provided elsewhere, we may impose a service fee if we attempt to locate you.
RESOLVING ACCOUNT DISPUTES - We may place an administrative hold on the funds in your account refuse payment or withdrawal of the funds if it becomes subject to a claim adverse to 1 your own interest; 2 others claiming an interest as survivors or beneficiaries of your account; or 3 a claim arising by operation of law.
The hold may be placed for such period of time as we believe reasonably necessary to allow a legal proceeding to determine the merits of the claim or until we receive evidence satisfactory to us that the dispute has been resolved.
We will not be liable for any items that are dishonored as a consequence of placing a hold on funds in your account for these reasons.
WAIVER OF NOTICES - You waive any notice of non-payment, dishonor or protest regarding any items credited to or charged against your account.
ACH AND WIRE TRANSFERS - This agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers as adopted in the state in which you have your account with us.
If you originate a fund transfer and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment.
We may rely on the number even if it identifies a financial institution, person or account other than the one named.
You agree to be bound by automated clearing house association rules.
These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403 a of the Uniform Commercial Code.
If we do not receive such payment, we are entitled to a refund from you in the amount credited to your account and the party originating such payment will not be considered to have paid the amount so credited.
If we receive a payment order to credit an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit.
INTEREST CHECKING ACCOUNTS AND NON INTEREST CHECKING ACCOUNTS - This Account consists of a checking sub account and a savings sub account.
The Bank may periodically transfer funds between these two sub accounts.
On a sixth transfer during a calendar month, any funds in the savings sub account will be transferred back to the checking sub account.
If your Account is a Plan on which interest is paid, your interest calculation will remain the same.
Otherwise, the savings sub account will be non interest bearing.
The savings sub account will be governed by the rules governing our other savings accounts.
This process will not affect your available balance, the interest you may earn, FDIC insurance protection, or your monthly statement.
UNLAWFUL INTERNET GAMBLING NOTICE - Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship.
Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.
This notice does not mean that we will be reporting such information about you, only that we may report such information about customers that have for free apple id and password well done what they are required to do under our agreement.
After providing this notice, additional negative information may be submitted without providing another notice.
We may report information about your account to credit bureaus.
Late payments, missed payments or other defaults on your account may be reflected in your credit report.
Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed.
You should keep this notice for future reference.
Electronic Fund Transfers Initiated By Third Parties.
You may authorize a third party to initiate electronic fund transfers between your account and the third party's account.
These transfers to make or receive payment may be one-time occurrences or may recur as directed by you.
These transfers may use the Automated Clearing House ACH or other payments network.
Your authorization to the third party to make these transfers can occur in a number of ways.
For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt.
In all cases, these third party transfers will require you to provide the third party with your account number and bank information.
This information can be found on your check as well as on a deposit or withdrawal slip.
Thus, you should only provide your bank and account information whether over the phone, the Internet, or via some other method to trusted third parties whom you have authorized to initiate these electronic fund transfers.
You may make arrangements for certain direct deposits to be accepted into your checking, savings, or money market account s.
You may make arrangements to pay certain recurring bills from your checking, statement savings, or money market savings account s.
You may authorize a merchant or other payee click here make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills.
You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.
Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts.
Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM transfers.
If this web page effect a transaction with your MasterCard®-branded debit card in a currency other than US Dollars, MasterCard will convert the charge into a US Dollar amount.
The MasterCard currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by MasterCard.
The exchange rate MasterCard uses will be a rate in effect on the day the transaction is processed.
This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account.
Advisory Against Illegal Use.
You agree not to use your card s for illegal gambling or other illegal purpose.
Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.
Except as indicated elsewhere, we do not charge for these electronic fund transfers.
When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.
You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal.
If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, the person or company making the deposit will tell you every time they send us the money or you can call us at 814 443-9200 to find out whether or not the deposit has been made.
You will get a monthly account statement from us for your checking accounts: You will get a monthly account statement from us for your savings or money market accounts, unless there are no transfers in a particular month.
In any case, you will get a statement at least quarterly.
If you have told us in advance to make regular payments out of your account, you can stop any of these payments.
Here is how: Call or write us at the telephone number or address listed in this brochure in time for us to receive your request 3 business days or more before the payment is scheduled to be made.
If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
Please refer to our separate fee schedule for the amount we will charge you for each stop payment order you give and for revocation of a preauthorized debit.
If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be.
You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.
If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
FINANCIAL INSTITUTION'S LIABILITY Liability for failure to make transfers.
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages.
However, there are some exceptions.
UNAUTHORIZED TRANSFERS a Consumer liability.
Telephoning is the best way of keeping your possible losses down.
You could lose all the money in your account plus your maximum overdraft line of credit.
Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once.
If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.
If a good reason such as a long trip or a hospital stay kept you from telling us, we will extend the time periods.
You will not be liable for any unauthorized transactions using your MasterCard®-branded debit card if: i you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and ii upon becoming aware of a loss or theft, you promptly report the loss or theft to us.
You should also call the number or write to the address listed in this brochure if you believe a transfer has been made using the information from your check without your permission.
ERROR RESOLUTION NOTICE In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt.
We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days 20 business days if the transfer involved a new account after we hear from you and will correct any error promptly.
If we need more time, however, we may take up to 45 days 90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer to investigate your complaint or question.
If we decide to do this, we heart pacemakers slot machines credit your account within 10 business days 20 business days if the transfer involved a new account for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.
If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.
Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.
We will tell you the results within three business days after completing our investigation.
If we decide that there was no error, we will send you a written explanation.
You may ask for copies of the documents that we used in our investigation.
SOMERSET TRUST COMPANY CUSTOMER SERVICE 151 WEST MAIN STREET, P.
Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit.
Electronic direct deposits will be available on the day we receive the deposit.
Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written.
Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays.
If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit.
However, if you make a deposit after closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
If you make a deposit at an ATM before 2:00 P.
However, if you make a deposit at an ATM after 2:00 P.
If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account.
Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.
LONGER DELAYS MAY APPLY Funds you deposit by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid.
You redeposit a check that has been returned unpaid.
You have overdrawn your account repeatedly in the last six months.
There is an emergency, such as failure of computer or communications equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available.
They will generally be available no later than the seventh business day after the day of your deposit.
SPECIAL RULES FOR NEW ACCOUNTS If you are a new customer, the following special rules will apply during the first 30 days your account is open.
Funds from electronic direct deposits to your account will be available on the day we receive the deposit.
For example, the checks must be payable to you and you may have to use a special deposit slip.
If your deposit of these checks other than a U.
Funds from all other check deposits will be available on the tenth business day after the day of your deposit.
The following Substitute Https://new-fit.ru/and/rockford-and-casino.html Disclosure provides information about substitute checks and your rights.
So you will recognize substitute checks when you receive them, we have included a copy of the front side of a substitute check along with an explanation of the substitute check's components.
What is a substitute check?
To make check processing faster, federal law permits banks to replace original checks with "substitute checks.
The front of a substitute check states: "This is a legal copy of your check.
You can use it the same way you would use the original check.
Some or all of the checks that you receive back from us may be substitute checks.
This notice describes rights you have when you receive substitute checks from us.
The rights in this notice do not apply to original checks or to electronic debits to your account.
However, you have rights under other law with respect to those transactions.
What are my rights regarding substitute checks?
In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check.
The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal for example, bounced check fees.
The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less.
You also are entitled to interest on the amount of your refund if your account is an interest-bearing account.
If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.
We may reverse the refund including any interest on the refund if we later are able to demonstrate that the substitute check was correctly posted to your account.
How do I make a claim for a refund?
If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at: Somerset Trust Company 151 W.
Somerset, PA 15501 You must contact us within 60 calendar days of the date that we mailed or otherwise delivered by a means to which you agreed the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later.
We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.
You can use it the same way you would use the original check.
It is also possible for the MICR line on the substitute check to begin with a "5"if the item is being returned.
The rest of the MICR line is the same as the original check to ensure that it is processed as though it were the original.
Main Continue reading Somerset, PA 15501 Somerset Plaza Branch 1614 North Center Avenue Somerset, PA 15501 Somerset Crossing Branch Located in Wal-Mart 2028 North Center Avenue Somerset, PA 15501 Glades Pike Branch 4185 Glades Pike Road Somerset, PA 15501 Berlin Branch 420 Main Street Berlin, PA 15530 Johnstown Branch 116 Market Street Johnstown, PA 15901 Richland Branch 1416 Scalp Avenue Johnstown, PA 15904 Meyersdale Branch 151 Center Street Meyersdale, PA 15552 Meyersdale Southside Branch 7209 Mason Dixon Hwy Meyersdale, PA 15552 Hooversville Branch 801 Barn Street Hooversville, PA 15936 Confluence Branch 612 Logan Place Confluence, PA 15424 Goucher Street Branch at Giant Eagle 344 Goucher Street, Suite 10 Johnstown, PA 15905 Champion Branch 1446 County Line Road Champion, PA 15622 Vinco Branch 2690 William Penn Ave, Suite 5 Johnstown, PA 15909 Westwood Branch 1739 Lyter Drive Johnstown, PA 15905 Ligonier Giant Eagle Branch 117 South Walnut Street Ligonier, PA 15658 Ligonier Branch 228 W.
Main Street Ligonier, PA 15658 Oak Grove Branch 3720 State Route 711 Ligonier, PA 15658 Fishertown Branch 2095 Quaker Valley Road Fishertown, PA 15539 National Pike Branch 4634 National Pike Markleysburg, PA 15459 Boswell Branch 802 Atkinson Way Boswell, PA 15531 Connellsville Branch Located in Wal-Mart 1450 Morrell Avenue Connellsville, PA 15424 Adrian's Market Branch 1176 National Pike Hopwood, PA 15445 Grantsville Branch 3245 Chestnut Ridge Road Grantsville, MD 21536 Mount Pleasant Branch Inside Walmart 2100 Summit Ridge Plaza Mt Pleasant, PA 15666 Pechin Branch 300 Laurel Drive Connellsville, PA 15425 Bedford Office 8796 Lincoln Hwy Bedford, PA 15522 Youngwood Branch 250 South 3rd Street Youngwood, PA 15697 Connellsville Train Station Office 904 West Crawford Ave Connellsville, PA 15425 Pitt-Johnstown Branch 450 Schoolhouse Road Johnstown, PA 15904 Richland Giant Eagle Branch 1513 Scalp Avenue Johnstown, PA 15904 Fayette Plaza Giant Eagle Branch 581 Pittsburgh Road Uniontown, PA 15401 www.

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ACCOUNT TERMS & CONDITIONS The words “I”, “me”, “my”, “we”, “us” and “our” refer to each or all of those persons who have any account whatsoever with Citibank Berhad and all who sign the related account application for accounts and CitiOne (the “Application”). The words “you” and “your” refer to Citibank


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YOUR DEPOSIT ACCOUNT - TERMS AND CONDITIONS TABLE OF CONTENTS TERMS AND CONDITIONS Important Information About Procedures for Opening a New Account Agreement Liability Deposits Withdrawals Ownership of Account and Beneficiary Designation Business, Organization and Association Accounts Stop Payments Telephone Transfers Amendments and Termination Statements Account Transfer Direct Deposits Temporary Account Agreement Setoff Authorized Signer Convenience Signer Restrictive Legends Payment Order of Items Facsimile Signatures Check Processing Check Cashing Indorsements Death or Incompetence Fiduciary Accounts Credit Verification Legal Actions Affecting Your Account Security Telephonic Instructions Claim of Loss Early Withdrawal Penalties Read article or Name Changes Resolving Account Disputes Waiver of Notices ACH and Wire Transfers Interest Checking Accounts and Non Interest Checking Accounts Unlawful Internet Gambling Notice NOTICE OF NEGATIVE INFORMATION ELECTRONIC FUND TRANSFERS FUNDS AVAILABILITY DISCLOSURE SUBSTITUTE CHECKS AND YOUR RIGHTS TERMS AND CONDITIONS OF YOUR ACCOUNT IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.
We may also ask to see your driver's license or other identifying documents.
In Pennsylvania, AGREEMENT - This document, along with any other documents we give you pertaining to your account sis a contract that establishes rules which control your account s with us.
Please read this carefully and retain it for future reference.
If you sign the signature card or open or continue to use the account, you agree to these rules.
You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document.
If you have any questions, please call us.
This agreement is subject to applicable federal laws, the laws of the state of Pennsylvania and other applicable rules such as the operating letters of the Federal Reserve Banks and payment processing system rules except to the extent that this agreement can and does vary such rules or laws.
The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here.
Any provision that appoints us as an agent is not subject to the provisions of 20 Pa.
Section 5601 et seq.
Chapter 56; Decedents, Estates and Fiduciaries Code.
By exercising any of our rights under this agreement, we do so for our sole benefit.
If any provision of this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect.
We may permit some variations from our standard agreement, but we must agree to any variation in writing either on the signature card for your account or in some other document.
As used in this document the words "we" and "our" and "us" mean the financial institution and the words "you" and "your" mean the account holder s and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the account.
However, this agreement does not intend, and the terms "you" and "your" should not be interpreted, to expand an individual's responsibility for an organization's liability.
If this account is owned by a corporation, partnership or other organization, individual liability is determined by the laws generally applicable to that type of organization.
The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions.
Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular.
Any provision which is not described as applying to a particular state, applies to your account.
In Maryland, AGREEMENT - This document, along with any other documents we give you pertaining to your account sis a contract that establishes rules which control your account s with us.
Please read this carefully and retain it for future reference.
If you sign the signature card or open or continue to use the account, you agree to these rules.
You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document.
If you have any questions, please call us.
This agreement is subject to applicable federal laws, the laws of the state of Maryland and other applicable rules such as the operating letters of the Federal Reserve Banks and payment processing system rules except to the extent that this agreement can and does vary such rules or laws.
The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here.
If any provision of this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect.
We may permit some variations from our standard agreement, but we must agree to any variation in writing either on the signature card for your account or in some other document.
As used in this document the words "we" and "our" and "us" mean the financial institution and the words "you" and "your" mean the account holder s and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the account.
However, this agreement does not intend, and the terms "you" and "your" should not be interpreted, to expand an individual's responsibility for an organization's liability.
If this account is owned by a corporation, partnership or other organization, individual liability is determined by the laws generally applicable to that type of organization.
The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions.
Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular.
Any provision which is not described as applying to a particular state, applies to your account.
LIABILITY - You agree, for yourself and the person or entity you represent if you sign as a representative of another to the terms of this account and the schedule of charges.
You authorize us to deduct these charges, without notice to you, directly from the account balance as accrued.
You will pay any additional reasonable charges for services you request which are not covered by this agreement.
Each of you also agrees to be jointly and severally individually liable for any account shortage resulting from charges or overdrafts, whether click the following article by you or another with access to this account.
This liability is due immediately, and can be deducted directly from the account balance whenever sufficient funds are available.
You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft.
You will be liable for our and procedures free of samples policies as well as for our reasonable attorneys' fees, to the extent permitted by law, whether incurred as a result of collection or in any other dispute involving your account.
This includes, but is not limited to, disputes between you and another joint owner; you and an authorized signer or similar party; or a third party claiming an interest in your account.
This also includes any action that you or a third party takes regarding the account that causes us, in good faith, to seek the advice of an attorney, whether or not we become involved in the dispute.
All costs and attorneys' fees can be deducted from your account when they are incurred, without notice to you.
Before settlement of any item becomes final, we act only as your agent, regardless of the form of indorsement or lack of indorsement on the item and even though we provide you provisional credit for the item.
We may reverse any provisional credit for items that are lost, stolen, or returned.
Actual credit for deposits of, or payable in, foreign currency will be at the exchange https://new-fit.ru/and/888-casino-withdrawal-terms-and-conditions.html in effect on final collection in U.
We are not responsible for transactions by mail or outside depository until we actually record them.
We will treat and record all transactions received after our "daily cutoff time"on a business day we are open, or this web page on a day we are not open for business, as if initiated on the next business day that we are open.
At our option, we may take an item for collection rather than for deposit.
If we accept a third-party check for deposit, we may require any third-party indorsers to verify or guarantee their indorsements, or indorse in our presence.
WITHDRAWALS - Generally - Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance at any time.
Each of you until we receive written notice to the contrary authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us.
Postdated checks - A postdated check is one which bears a date later than the date on which the check is written.
We may properly pay and charge your account for a postdated check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act.
Because we process checks mechanically, your notice will not be effective and we will not be liable for failing to honor your notice unless it precisely identifies the number, date, amount and payee of the item.
Checks and withdrawal rules - If you do not purchase your check blanks from us, you must be certain that we approve the check blanks you purchase.
We may refuse any withdrawal or transfer request which you attempt on forms not approved by us or by any method we do not specifically permit.
We may refuse any withdrawal or transfer request which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations.
We will use the date the transaction is completed by us as opposed to the date you initiate it to apply the frequency limitations.
In addition, we may place limitations on the account until your identity is verified.
Even if we honor a nonconforming request, we are not required to do so later.
If you violate the stated transaction limitations if anyin our discretion we may close your account or reclassify it as a transaction account.
If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification.
If we are presented with an item drawn against your account that would be a "substitute check,"as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item.
See the funds availability policy disclosure for information about https://new-fit.ru/and/free-and-best-vpn-for-android.html you can withdraw funds you deposit.
For those accounts to which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal.
We may determine the amount of available funds in your account for the purpose of deciding whether to return an item for insufficient funds at any time between the time we receive the item and when we return the item or send a notice in lieu of return.
We need only make one determination, but if we choose to make a subsequent determination, the account balance at the subsequent time will determine whether there are insufficient available funds.
A temporary debit authorization hold affects your account balance - On debit card purchases, merchants may request a temporary hold on your account for a specified sum of money, which may best online game names ever more than the actual amount of your purchase.
When this happens, our processing system cannot determine that the amount of the hold exceeds the actual amount of your purchase.
This temporary hold, and the amount charged to your account, will eventually be adjusted to the actual amount of your purchase, but it may be up to three days before the adjustment is made.
Until the adjustment is made, the amount of funds in your account available for other transactions will be reduced by the amount of the temporary hold.
If another transaction is presented for payment in an amount greater than the funds left after the deduction of the temporary hold amount, that transaction will be a nonsufficient funds NSF transaction if we do not pay it or an overdraft transaction if we do pay it.
You will be charged an NSF or overdraft fee according to our NSF or overdraft fee policy.
You will be charged the fee even if you would have had sufficient funds in your account if the amount of the hold had been equal to the amount of your purchase.
Overdrafts - You understand that we may, at our discretion, honor withdrawal requests that overdraw your account.
However, the fact that we may honor withdrawal requests that overdraw the account balance does not obligate us to do so harrington delaware raceway and casino />So you can NOT rely on us to pay overdrafts on your account regardless of how frequently or under what circumstances we have paid overdrafts on your account in the past.
We can change our practice of paying overdrafts on your account without notice to you.
You can ask us if we have other account services that might be available to you where we commit to paying overdrafts under certain circumstances, such as an overdraft protection line-of-credit or a plan to sweep funds from another account you have with us.
You agree that we may charge fees for overdrafts.
For consumer accounts, we will not charge fees for overdrafts caused by ATM withdrawals or one-time debit card transactions if you have not opted-in to that service.
We may use subsequent deposits, including direct deposits of social security or other government benefits, to cover such overdrafts and overdraft fees.
Multiple signatures, electronic check conversion, and similar transactions - An electronic check conversion transaction is a transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation.
In these types of transactions the check or similar item is either removed from circulation truncated or given https://new-fit.ru/and/landforms-created-by-deposition-and-erosion.html to you.
As a result, we have no opportunity to review the check to examine the signatures on the item.
You agree that, as to these or any items as to which we have no opportunity click to see more examine the signatures, you waive any requirement of multiple signatures.
Notice of withdrawal - We reserve the right to require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.
The law requires us to reserve this right, but it is not our general policy to use it.
Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty.
See your notice of penalty for early withdrawal.
In Pennsylvania, OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records.
We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the opinion vera and john no deposit bonus 2019 opinion funds.
Individual Account - is an account in the name of one person.
Joint Account - With Survivorship And Not As Tenants In Common - is an account in the name of two or more persons.
Each of you intend that when you die the balance in the account subject to any previous pledge to which we have agreed will belong to the survivor s.
If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common.
Joint Account - No Survivorship As Tenants In Common - is owned by two or more persons, but none of you intend merely by opening this account to create any right of survivorship in any other person.
We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you.
This information will not, however, affect the "number of signatures"necessary for withdrawal.
Revocable Trust Account - If two of you create such an account, you own the account jointly with survivorship.
Beneficiaries cannot withdraw unless: 1 all persons creating the account die, and 2 the beneficiary is then living.
If two beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship.
The person s creating this account type reserve the right to: 1 change beneficiaries, 2 change account types, and 3 withdraw all or part of the account funds at any time.
In Maryland, OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records.
We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds.
Unless contrary direction is given in this account agreement, upon the death of a party, the funds in a multiple-party account shall belong to the surviving party or parties.
Individual Account - is an account in the name of one person.
Joint Account - With Survivorship And Not As Tenants In Common - is an account in the name of two or more persons.
Each of you intend that when you die the balance in the account subject to any previous pledge to which we have agreed will belong to the survivor s.
If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common.
Joint Account - No Survivorship As Tenants In Common - is owned by two or more persons, but none of you intend merely by opening this account to create any right of survivorship in any other person.
We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you.
This information will not, however, affect the "number of signatures"necessary for withdrawal.
Revocable Trust or Pay-On-Death Account - If two or more of you create this type of account, you own the account jointly with survivorship.
Beneficiaries cannot withdraw unless: 1 all persons creating the account die, and 2 the beneficiary is then living.
If two or more beneficiaries are named and survive the death of all persons creating the account, beneficiaries will own this account in equal shares, without right of survivorship.
The person s creating either of these account types may: 1 change beneficiaries, 2 change account types, and 3 withdraw all or part of the account funds at any time.
BUSINESS, ORGANIZATION AND ASSOCIATION ACCOUNTS - Earnings in the form of interest, dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy.
You represent that you have the authority to open and conduct business on this account on behalf of the entity.
We may require the governing body of the entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf.
We will honor the authorization until we actually receive written notice of a change from the governing body of the entity.
STOP PAYMENTS - Unless otherwise provided, the rules in this section cover stopping payment of items such as checks and drafts.
Rules for stopping payment of other types of transfers of funds, such as consumer electronic fund transfers, may be established by law or our policy.
If we have not disclosed these rules to you elsewhere, you may ask us about those rules.
We may accept an order to stop payment on any item from any one of you.
You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it.
Because stop-payment orders are handled by computers, to be effective, your stop-payment order must precisely identify the number, date, and amount of the item, and the payee.
You may stop payment on any item drawn on my deposits terms and conditions account whether you sign the item or not.
Generally, if your stop-payment order is given to us in writing it is effective for six months.
Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period.
If the original stop-payment order was verbal your stop-payment order will lapse after 14 calendar days if you do not confirm your order in writing within that time period.
We are not obligated to notify you when a stop-payment order expires.
A release of the stop-payment request may be made only by the person who initiated the stop-payment order.
If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys' fees.
You assign to us all rights against the payee or any other holder of the item.
You agree to cooperate with us in any legal actions that we may take against such persons.
You should be aware that anyone holding the item may be entitled to enforce payment against you despite the stop-payment order.
TELEPHONE TRANSFERS - A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing.
Unless a different limitation is disclosed in writing, we restrict the number of transfers from a savings or money market account to another https://new-fit.ru/and/lakeside-inn-and-casino-address.html or to third parties, to a maximum of six per month less the number of "preauthorized transfers"during the month.
Other account transfer restrictions may be described elsewhere.
AMENDMENTS AND TERMINATION - We may change any term of this agreement.
Rules governing changes in interest rates are provided separately in the Truth-in-Savings disclosure or in another document.
For visit web page changes, we will give you reasonable notice in writing or by any other method permitted by law.
We may also close this account at any time upon reasonable notice to you and tender of the account balance personally or by mail.
Items presented for payment after the account is closed may be dishonored.
When you close your account, you are responsible for leaving enough money in the account to cover any outstanding items to be paid from the account.
Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective.
For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice.
You agree to keep us informed of your current address at all times.
If we have notified you of a change in any term of your account and you continue to have your account after the effective date of the change, you have agreed to the new term s.
STATEMENTS - Your duty to report unauthorized signatures, alterations and forgeries - You must examine your statement of account with "reasonable promptness.
As between you and us, if you fail to do either of these duties, you will have to either share the loss with us, or bear the loss entirely yourself depending on whether we used ordinary care and, if not, whether we substantially contributed to the loss.
The loss could be not only with respect to items on the statement but other items with unauthorized signatures or alterations by the same wrongdoer.
You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is first sent or made available to you.
You further agree that if you fail to report any unauthorized signatures, alterations or forgeries in your account within 60 days of when we first send or make the statement available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours.
This 60-day limitation is without regard to whether we used ordinary care.
The limitation in this paragraph is in addition to that contained in the first paragraph of this section.
Your duty to report other errors - In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error - such as an encoding error.
You agree that the time you have to examine your statement and report to us will depend on the circumstances.
However, such time period shall not exceed 60 days.
Failure to examine your statement and report any such errors to us within 60 days of when we first send or make the statement available precludes you from asserting a claim against us for any such errors on items identified in that statement and as between you and us the loss will be entirely yours.
Errors relating to electronic fund transfers or substitute checks - For information on errors relating to electronic fund transfers e.
For information on errors relating to a substitute check you received, refer to your disclosure entitled Substitute Checks and Your Rights.
ACCOUNT TRANSFER - This account may not be transferred or assigned without our prior written consent.
DIRECT DEPOSITS - If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the federal government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law.
We may also use any other legal remedy to recover the amount of our liability.
TEMPORARY ACCOUNT AGREEMENT - If this option is selected, this is a temporary account agreement.
Each person who signs to open the account or has authority to make withdrawals except as indicated to the contrary may transact business on this account.
However, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirements we have imposed within a reasonable time.
SETOFF - We may without prior notice and when permitted by law set off the funds in this account against any due and payable debt you owe us now or in the future, by any of you having the right of withdrawal, to the extent of such persons' or legal entity's right to withdraw.
If the debt arises from a note, "any due and payable debt" includes the total amount of which we are entitled to demand payment under the terms of the note at the time we set off, including any balance the due date for which we properly accelerate under the note.
This right of setoff does not apply to this account if prohibited by law.
For example, the right of setoff does not apply to this account if: a it is an Individual Retirement Account or similar tax-deferred account, or b the debt is created by a my deposits terms and conditions credit transaction under a credit card plan but this does not affect our rights under any consensual security interestor c the debtor's right of withdrawal only arises in a representative capacity.
We will not be liable for the dishonor of any check when the dishonor occurs because we set off a debt against this account.
You agree to hold us harmless from any claim arising as a result of our exercise of our right of setoff.
In Pennsylvania, AUTHORIZED SIGNER Individual Accounts only - A single individual is the owner.
The authorized signer is merely designated to conduct transactions on the owner's behalf.
The owner does not give up any rights to act on the account, and the authorized signer may not in any manner affect the rights of the owner or beneficiaries, if any, other than by withdrawing funds from the account.
The owner is responsible for any transactions of the authorized signer.
We undertake no obligation to monitor transactions to determine that they are on the owner's behalf.
The designation of an authorized signer does not create a power of attorney; therefore, the authorized signer is not subject to the provisions of 20 Pa.
Section 5601 et seq.
Chapter 56; Decedents, Estates and Fiduciaries Code.
The owner may terminate the authorization at any time, and the authorization is automatically terminated by the death of the owner.
However, we may continue to honor the transactions of the authorized signer until: a we have received written notice or have actual knowledge of the termination of authority, and b we have a reasonable opportunity to act on that notice or knowledge.
We may refuse to accept the designation of an authorized signer.
In Maryland, CONVENIENCE SIGNER Individual Accounts only - A single individual is the owner.
The convenience signer is merely designated to conduct transactions on the owner's behalf.
The owner does not give up any rights to act on the account, and the convenience signer may not in any manner affect the rights of the owner or beneficiaries, if any, other than by withdrawing funds from the account.
The owner is responsible for any transactions of the convenience signer.
We undertake no obligation to monitor transactions to determine that they are on the owner's behalf.
The owner may terminate the convenience signer's authorization at any time, and the authorization is automatically terminated by the death of the owner.
However, we may continue to honor the transactions of the convenience signer until: a we have received written notice or have actual knowledge of the termination of authority, and b oranje and kroon casino have a reasonable opportunity to act on that notice or knowledge.
We may refuse to accept the designation of a convenience signer.
RESTRICTIVE LEGENDS - The automated processing of the large volume of checks we receive prevents us from inspecting or looking for special instructions or "restrictive legends"on every check.
We are not responsible and casino rockford any losses, claims, damages, or expenses that result from your placement of these or other special instructions on your checks.
PAYMENT ORDER OF ITEMS - The law permits us to pay items such as checks or drafts drawn on your account in any order.
To assist you in handling your account with us, we are providing you with the following information regarding how we best online game names ever the items that you write.
When processing items drawn on your account, our policy is to pay them in numerical sequence.
Lower item numbers are paid first.
The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented.
There is no policy that is favorable in every instance.
If the smallest items are paid first, you may have fewer NSF or overdraft fees, but the largest, and perhaps more important items such as rent or mortgage payments might not be paid.
If an item is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item creating an overdraft or return the item NSF.
The amounts of the overdraft and NSF fees are disclosed elsewhere.
By paying items in numerical sequence, we think our policy attains a reasonable balance between minimizing additional cost to you and paying your more important items.
We encourage you to make careful records and practice good account management.
This will help you to avoid writing checks or drafts without sufficient funds and incurring the resulting fees.
FACSIMILE SIGNATURES - Unless you make advance arrangements with us, we have no obligation to honor facsimile signatures on your checks or other orders.
If we do agree to honor items containing facsimile signatures, you authorize us, at any time, to charge you for all checks, drafts, or other orders, for the payment of money, that are drawn on us.
You give us this authority regardless of by whom or by what means the facsimile signature s may have been affixed so long as they resemble the facsimile signature specimen filed with us, and contain the required number of signatures for this purpose.
You must notify us at once if you suspect that your facsimile signature is being or has been misused.
CHECK PROCESSING - We process items mechanically by relying solely on the information encoded in magnetic ink along the bottom of the items.
This means that we do not individually examine all of your items to determine if the item is properly completed, signed and indorsed or to determine if it contains any information other than what is encoded in magnetic ink.
You agree that we have not failed to exercise ordinary care solely because we use our automated system to process items and do not inspect all items processed in such a manner.
Using an automated process helps us keep costs down for you and all account holders.
CHECK CASHING - We may charge a fee for anyone that does not have an account with us who is cashing a check, draft or other instrument written on your account.
We may also require reasonable identification to cash such a check, draft or other instrument.
We can decide what identification is reasonable under the circumstances and such identification may be documentary or physical and may include collecting a thumbprint or fingerprint.
INDORSEMENTS - We may accept for deposit any item payable to you or your order, even if they are not indorsed by you.
We may give cash back to any one of you.
We may supply any missing indorsement s for any item we accept for deposit or collection, and you warrant that all indorsements are genuine.
To ensure that your check or share draft is processed without delay, you must indorse it sign it on the back in a specific area.
Your entire indorsement whether a signature or a stamp along with any other indorsement information e.
Indorsements must be made in blue or black ink, so that they are readable by automated check processing equipment.
As you look at the front of a check, the "trailing edge"is the left edge.
It is important that you confine the indorsement information to this area since the remaining blank space will be used by others in the processing of the check to place additional needed indorsements and information.
You agree that you will indemnify, defend, and hold us harmless for any loss, liability, damage or expense that occurs because your indorsement, another indorsement or information you have printed on the back of the check obscures our indorsement.
These indorsement guidelines apply to both personal and business checks.
DEATH OR INCOMPETENCE - You agree to notify us promptly if any person with a right to withdraw funds from your account s dies or becomes legally incompetent.
We may continue to honor your checks, items, and instructions until: a we know of your death or incompetence, and b we have had a reasonable opportunity to click to see more on that knowledge.
You agree that we may pay or certify checks drawn on or before the date of death or legal incompetence for up to ten 10 days after your death or legal incompetence unless ordered to stop payment by someone claiming an interest in the account.
FIDUCIARY ACCOUNTS - Accounts may be opened by a person acting in a fiduciary capacity.
A fiduciary is someone who is appointed to act on behalf of and for the benefit of another.
This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement, or as executors, administrators, or conservators under court orders.
You understand that by merely opening such an account, we are not acting in the capacity of a trustee this web page connection with the trust nor do we undertake any obligation to monitor or enforce the terms of the trust or letters.
CREDIT VERIFICATION - You agree that we may verify credit and employment history by any necessary means, including preparation of a credit report by a credit reporting agency.
LEGAL ACTIONS AFFECTING YOUR ACCOUNT - If we are served with a subpoena, restraining order, writ of attachment or execution, levy, garnishment, search warrant, or similar order relating to your account termed "legal action" in this sectionwe will comply with that legal action.
Or, in our discretion, we may freeze the assets in the account and not allow any payments out of the account until a final court determination regarding the legal action.
We may do these things even if the legal action involves less than all of you.
In these this web page, we will not have any liability to you if there are insufficient funds to pay your items because we have withdrawn funds from your account or in any way restricted access to your funds in accordance with the legal action.
Any fees or expenses we incur in responding to any legal action including, without limitation, attorneys' fees and our internal expenses may be charged against your account.
The list of fees applicable to your account s provided elsewhere may specify additional fees that we may charge for certain legal actions.
SECURITY - It is your responsibility to protect the account numbers and electronic access devices e.
Do not discuss, compare, or share information about your account number s with anyone unless you are willing to give them full use of your money.
An account number can be used by thieves to encode your number on a false demand draft which looks like and functions like an authorized check.
If you furnish your access device and grant actual authority to make transfers to another person a family member or coworker, for example who then exceeds that authority, you are liable for the transfers unless we have been notified that transfers by that person are no longer authorized.
Your account number can also be used to electronically remove money from your account.
If you provide your account number in response to a telephone solicitation for the purpose of making a transfer to purchase a service or merchandise, for examplepayment can be made from your account even though you did not contact us directly and order the payment.
You must also take precaution in safeguarding your blank checks.
Notify us at once if you believe can free contests sweepstakes and giveaways nice checks have been lost or stolen.
As between you and us, if you are negligent in safeguarding your checks, you must bear the loss entirely yourself or share the loss with us we may have to share some of horseshoe casino lost found loss if we failed to use ordinary care and if we substantially contributed to the loss.
You agree that if we offer you services appropriate for your account to help identify and limit fraud or other unauthorized transactions against your account, such as positive pay or commercially reasonable security procedures, and you reject those services, you will be responsible for any fraudulent or unauthorized transactions which could have been prevented by the services we offered, unless we acted in bad faith or to the extent our negligence contributed to the loss.
TELEPHONIC INSTRUCTIONS - Unless required by law or we have agreed otherwise in writing, we are not required to act upon instructions you give us via facsimile transmission or leave by voice mail or on a telephone answering machine.
CLAIM OF LOSS - If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your account, the transaction, and the circumstances surrounding the loss.
You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals.
We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss.
Unless we have acted in bad faith, we will not be liable for special or consequential damages, including loss of profits or opportunity, or for attorneys' fees incurred by you.
You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss.
You will pursue your rights or, at our option, assign them to us so that we may pursue them.
Our liability will be reduced by the amount you recover or are entitled to recover from these other sources.
EARLY WITHDRAWAL PENALTIES and involuntary withdrawals - We may impose early withdrawal penalties on a withdrawal from a time account even if you don't initiate the withdrawal.
For instance, the early withdrawal penalty may be imposed if the withdrawal is caused by our setoff against funds in the account or as a result of an attachment or other legal process.
We may close your account and impose the early withdrawal penalty on the entire account balance in the event of a partial early withdrawal.
See your notice of penalty for early withdrawals for additional information.
ADDRESS OR NAME CHANGES - You are responsible for notifying us of any change in your address or your name.
Unless we agree otherwise, change of address or name must be made in writing by at least one of the account holders.
Informing us of your address or name change on a check reorder form is not sufficient.
We will attempt to communicate with you only by use of the most recent address you have provided to us.
If provided elsewhere, we may impose a service fee if we attempt to locate you.
RESOLVING ACCOUNT DISPUTES - We may place an administrative hold on the funds in your account refuse payment or withdrawal of the funds if it becomes subject to a claim adverse to 1 your own interest; 2 others claiming an interest as survivors or beneficiaries of your account; or 3 a claim arising by operation of law.
The hold may be placed for such period of time as we believe reasonably necessary to allow a legal proceeding to determine the merits of the claim or until we receive evidence satisfactory to us that the dispute has been resolved.
We will not be liable for any items that are dishonored as a consequence of placing a hold on funds in your account for these reasons.
WAIVER OF NOTICES - You waive any notice of non-payment, dishonor or protest regarding any items credited to or charged against your account.
ACH AND WIRE TRANSFERS - This agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers as adopted in the state in which you have your account with us.
If you originate a fund transfer and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment.
We may rely on the number even if it identifies a financial institution, person or account other than the one named.
You agree to be bound by automated clearing house association rules.
These article source provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403 a of the Uniform Commercial Code.
If we do not receive such payment, we are entitled to a refund from you in the amount credited to your account and the party originating such payment will not be considered to have paid the amount so credited.
If we receive a payment order to credit an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit.
INTEREST CHECKING ACCOUNTS AND NON INTEREST CHECKING ACCOUNTS - This Account consists of a checking sub account and a savings sub account.
The Bank may periodically transfer funds between these two sub accounts.
On a sixth transfer during a calendar month, any funds in the savings sub account will be transferred back to the checking sub account.
If your Account is a Plan on which interest is paid, your interest calculation will remain the same.
Otherwise, the something coral 10 casino bonus terms and conditions all sub account will be non interest bearing.
The savings sub account will be governed by the rules governing our other savings accounts.
This process will not affect your available balance, the interest you may earn, FDIC insurance protection, or your monthly statement.
UNLAWFUL INTERNET GAMBLING NOTICE - Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from pity, palm springs spa and casino what processed through this account or relationship.
Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.
This notice does not mean that we will be reporting such information about you, only that we may report such information about customers that have not done what they are required to do under our agreement.
After providing this notice, additional negative information may be submitted without providing another notice.
We may report information about your account to credit bureaus.
Late payments, missed payments or other best online game names ever on your account may be reflected in your credit report.
Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed.
You should keep this notice for future reference.
Electronic Fund Transfers Initiated By Third Parties.
You may authorize a third party to initiate electronic fund transfers between your account and the third party's account.
These transfers to make or receive payment may be one-time occurrences or may recur as directed by you.
These transfers may use the Automated Clearing House ACH or other payments network.
Your authorization to the third party to make these transfers can occur in a number of ways.
For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction typically, at the point of purchase, a merchant click the following article post a sign and print the notice on a receipt.
In all cases, these third party transfers will require you to provide the third party with your account number and bank information.
This information can be found on your check as well as on a deposit or withdrawal slip.
Thus, you should only provide your bank and account information whether over the phone, the Internet, or via some other method to trusted third parties whom you have authorized to initiate these electronic fund transfers.
You may make arrangements for certain direct deposits to be accepted into your checking, savings, or money market account s.
You may make arrangements to pay certain recurring bills from your checking, statement savings, or money market savings account s.
You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills.
You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.
Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts.
Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM transfers.
If you effect a transaction with your MasterCard®-branded debit card in a currency other than US Dollars, MasterCard will convert the charge into a US Dollar amount.
The MasterCard currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by MasterCard.
The exchange rate MasterCard uses will be a rate in effect on the day the transaction is processed.
This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account.
Advisory Against Illegal Use.
You agree not to use your card s for illegal gambling or other illegal purpose.
Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.
Except as indicated elsewhere, we do not charge for these electronic fund transfers.
When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.
You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal.
If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, the person or company making the deposit will tell you every time they send us the money or you can call us at 814 443-9200 to find out whether or not the deposit has been made.
You will get a monthly account statement from us for your checking accounts: You will get a monthly account statement from us for your savings or money market accounts, unless there are no transfers in a particular month.
In any case, you will get a statement at least quarterly.
If you have told us in advance to make regular payments out of your account, you can stop any of these payments.
Here is how: Call or write us at the telephone number or address listed in this brochure in time for us to receive your request 3 business days or more before the payment is scheduled to be made.
If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
Please refer to our separate fee schedule for the amount we will charge you for each stop payment order you give and for revocation of a preauthorized debit.
If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be.
You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.
If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
FINANCIAL INSTITUTION'S LIABILITY Liability for failure to make transfers.
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages.
However, there are some exceptions.
UNAUTHORIZED TRANSFERS a Consumer liability.
Telephoning is the best way of keeping your possible losses down.
You could lose all the money in your account plus your maximum overdraft line of credit.
Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once.
If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.
If a good reason such as a long trip or a hospital stay kept you from telling us, we will extend the time periods.
You will not be liable for any unauthorized transactions using your MasterCard®-branded debit card if: i you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and ii upon becoming aware of a loss or theft, you promptly report the loss or theft to us.
free apple id and password should also call the number or write to the address listed in this brochure if you believe a transfer has been made using the information from your check without your permission.
ERROR RESOLUTION NOTICE In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt.
We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days 20 business days if the transfer involved a new account after we hear from you and will correct any error promptly.
If we need more time, however, we may take up to 45 days 90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer to investigate your complaint or question.
If we decide to do this, we will credit your account within 10 business days 20 business days if the transfer involved a new account for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.
If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.
Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established play casino slots and with us before this account is opened.
We will tell you the results within three business days after completing our investigation.
If we decide that there was no error, we will send you a written explanation.
You may ask for copies of the documents that we used in our investigation.
SOMERSET TRUST COMPANY CUSTOMER SERVICE 151 WEST MAIN STREET, P.
Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit.
Electronic direct deposits will be available on the day we receive the deposit.
Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written.
Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays.
If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit.
However, if you make a deposit after closing or on a day we are not best online game names ever, we will consider that the deposit was made on the next business day we are open.
If you make a deposit at an ATM before 2:00 P.
However, if you make a deposit at an ATM after 2:00 P.
If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account.
Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.
LONGER DELAYS MAY APPLY Funds you deposit by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid.
You redeposit a check that has been returned unpaid.
You have overdrawn your account repeatedly in the last six months.
There is an emergency, such as failure of computer or communications equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available.
They will generally be available no later than the seventh business day after the day of your deposit.
SPECIAL RULES FOR NEW ACCOUNTS If you are a new customer, the following special rules will apply during the first 30 days your account is open.
Funds from electronic direct deposits to your account will be available on the day we receive the deposit.
For example, the checks must be payable to you and you may have to use a special deposit slip.
If your deposit of these checks other than a U.
Funds from all other check deposits will be available on the tenth business day after the day of your deposit.
The following Substitute Check Disclosure provides information about substitute checks and your rights.
So you will recognize substitute checks when you receive them, we have included a copy of the front side of a substitute check along with an explanation of the substitute check's components.
What is a substitute check?
To make check processing faster, federal law permits banks to replace original checks with "substitute checks.
The front of a substitute check states: "This is a legal copy of your check.
You can use it the same way you would use the original check.
Some or all of the checks that you receive back from us may be substitute checks.
This notice describes rights you have when you receive substitute checks from us.
The rights in this notice do not apply to original checks or to electronic debits to your account.
However, you have rights under other law with respect to those transactions.
What are my rights regarding substitute checks?
In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check.
The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal for example, bounced check fees.
The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less.
You also are entitled to interest on the amount of your refund if your account is an interest-bearing account.
If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.
We may reverse the refund including any interest on the refund if we later are able to demonstrate that the substitute check was correctly posted to your account.
How do I make a claim for a refund?
If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at: Somerset Trust Company 151 W.
Somerset, PA 15501 You must contact us within 60 calendar days of the date that we mailed or otherwise delivered by a means to which you agreed the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later.
We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.
You can use it the same way you would use the original check.
It is also possible for the MICR line on the substitute check to begin with a "5"if the item is being returned.
The rest of the MICR line is the same as the original check to ensure that it is processed as though it were the original.
Main Street Somerset, PA 15501 Somerset Plaza Branch 1614 North Center Avenue Somerset, PA 15501 Somerset Crossing Branch Located in Wal-Mart 2028 North Center Avenue Somerset, PA 15501 Glades Pike Branch 4185 Glades Pike Road Somerset, PA 15501 Berlin Branch 420 Main Street Berlin, PA 15530 Johnstown Branch 116 Market Street Johnstown, PA 15901 Richland Branch 1416 Scalp Avenue Johnstown, PA 15904 Meyersdale Branch 151 Center Street Meyersdale, PA 15552 Meyersdale Southside Branch 7209 Mason Dixon Hwy Meyersdale, PA 15552 Hooversville Branch 801 Barn Street Hooversville, PA 15936 Confluence Branch 612 Logan Place Confluence, PA 15424 Goucher Street Branch at Giant Eagle 344 Goucher Street, Suite 10 Johnstown, PA 15905 Champion Branch 1446 County Line Road Champion, PA 15622 Vinco Branch 2690 William Penn Ave, Suite 5 Johnstown, PA 15909 Westwood Branch 1739 Lyter Drive Johnstown, PA 15905 Ligonier Giant Eagle Branch 117 South Walnut Street Ligonier, PA 15658 Ligonier Branch 228 W.
Main Street Ligonier, PA 15658 Oak Grove Branch 3720 State Route 711 Ligonier, PA 15658 Fishertown Branch 2095 Quaker Valley Road Fishertown, PA 15539 National Pike Branch 4634 National Pike Markleysburg, PA 15459 Boswell Branch 802 Atkinson Way Boswell, PA 15531 Connellsville Branch Located in Wal-Mart 1450 Morrell Avenue Connellsville, PA 15424 Adrian's Market Branch 1176 National Pike Hopwood, PA 15445 Grantsville Branch 3245 Chestnut Ridge Road Grantsville, MD 21536 Mount Pleasant Branch Inside Walmart 2100 Summit Ridge Plaza Mt Pleasant, PA 15666 Pechin Branch 300 Laurel Drive Connellsville, PA 15425 Bedford Office 8796 Lincoln Hwy Bedford, PA 15522 Youngwood Branch 250 South 3rd Street Youngwood, PA 15697 Connellsville Train Station Office 904 West Crawford Ave Connellsville, PA 15425 Pitt-Johnstown Branch 450 Schoolhouse Road Johnstown, PA 15904 Richland Giant Eagle Branch 1513 Scalp Avenue Johnstown, PA 15904 Fayette Plaza Giant Eagle Branch 581 Pittsburgh Road Uniontown, PA 15401 www.

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The Regions Agreement and Disclosure Statement for Electronic Banking Services (the “Agreement”) sets forth the terms and conditions for use of our online and electronic banking services. Notice of Revised Agreement. The Agreement has been revised as of April 17, 2019. Download the summary of the amendments (PDF) Complete Agreement


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Mobile Deposit Terms and Conditions. This Addendum (“Addendum”) to the American National Bank and Trust Company Online Banking and Bill Payment Agreement and American National Bank and Trust Company Mobile Banking Agreement between you and American National Bank and Trust Company sets forth the terms and conditions of American National Mobile Deposit (the “Service”), which allows you.


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YOUR DEPOSIT ACCOUNT - TERMS AND CONDITIONS TABLE OF CONTENTS TERMS AND CONDITIONS Important Information About Procedures for Opening a New Account Agreement Liability Deposits Withdrawals Ownership of Account and Beneficiary Designation Business, Organization and Association Accounts Stop Payments Telephone Transfers Amendments and Termination Statements Account Transfer Direct Deposits Temporary Account Agreement Setoff Authorized Signer Convenience Signer Restrictive Legends Payment Order of Items Facsimile Signatures Check Processing Check Cashing Indorsements Death or Incompetence Fiduciary Accounts Credit Verification Legal Actions Affecting Your Account Security Telephonic Instructions Claim of Loss Early Withdrawal Penalties Address or Name Changes Resolving Account Disputes Waiver of Notices ACH and Wire Transfers Interest Checking Accounts and Non Interest Checking Accounts Unlawful Internet Gambling Notice NOTICE OF NEGATIVE INFORMATION ELECTRONIC FUND TRANSFERS FUNDS AVAILABILITY DISCLOSURE SUBSTITUTE CHECKS AND YOUR RIGHTS TERMS AND CONDITIONS OF YOUR ACCOUNT IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.
We may also ask to see your driver's license or other identifying documents.
In Pennsylvania, AGREEMENT - This document, along with any other documents we give you pertaining to your account sis a contract that establishes rules which control your account s with us.
Please read this carefully and retain it for future reference.
If you sign the signature card or open or continue to use the account, you agree to these rules.
You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document.
If you have any questions, please call us.
This agreement is subject to applicable federal laws, the laws of the state of Pennsylvania and other applicable rules such as the operating letters of the Federal Reserve Banks and payment processing system rules except to the extent that this agreement can and does vary such rules or laws.
The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here.
Any provision that appoints us as an agent is not subject to the provisions of 20 Pa.
Section 5601 et seq.
Chapter 56; Decedents, Estates and Fiduciaries Code.
By exercising any of our rights under this agreement, we do so for our sole benefit.
If any provision of this document is found click at this page be unenforceable according to its terms, all remaining provisions will continue in full force and effect.
We may permit some variations from our standard agreement, but we must agree to any variation in writing either on the signature card for your account or in some other document.
As used in this document the words "we" and "our" and "us" mean the financial institution and the words "you" and "your" mean the account holder s and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the account.
However, this agreement does not intend, and the terms "you" and "your" should not be interpreted, to expand an individual's responsibility for an organization's liability.
If this account is owned by a corporation, partnership or other organization, individual liability is determined by the laws generally applicable to that type of organization.
The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions.
Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular.
Any provision which is not described as applying to a particular state, applies to your account.
In Maryland, AGREEMENT - This document, along with any other documents we give you pertaining to your account sis a contract that establishes rules which control your account s with us.
Please read this carefully and retain it for future reference.
If you sign the signature card or open or continue to use the account, you agree to these rules.
You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document.
If you have any questions, please call us.
This agreement is subject to applicable federal laws, the laws of the state of Maryland and other applicable rules such this web page the operating letters of the Federal Reserve Banks and payment processing system rules except to the extent that this agreement can and does vary such rules or laws.
The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here.
If any provision of this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect.
We may permit some variations from our standard agreement, but we must agree to any variation in writing either on the signature card for your account or in some other document.
As used in this document the words "we" and "our" and "us" mean the financial institution and the words "you" and "your" mean the account holder s and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the account.
However, this agreement does not intend, and the terms "you" and "your" should not be interpreted, to expand an individual's click to see more for an organization's liability.
If this account is owned by a corporation, partnership or other organization, individual liability is determined by the laws generally applicable to that type of organization.
The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions.
Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular.
Any provision which is not described as applying to a particular state, applies to your account.
LIABILITY - You agree, for yourself and the person or entity you represent if you sign as a representative of another to the terms of this account and the schedule of charges.
You authorize us to deduct these charges, without notice to you, directly from the account balance as accrued.
You will pay any additional reasonable charges for services you request which are not covered by this agreement.
Each of you also agrees to be jointly and severally individually liable for any account shortage resulting from charges or overdrafts, whether caused by you or another with access to this account.
This liability is due immediately, and can be deducted directly from the account balance whenever sufficient funds are available.
You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft.
You will be liable for our costs as well as for our reasonable attorneys' fees, to the extent permitted by law, whether incurred as a result of collection or in any other dispute involving your account.
This includes, but is not limited to, disputes between you and another joint owner; you and an authorized signer or similar party; or a third party claiming an interest in your account.
This also includes any action that you or a third party takes regarding the account that causes us, in good faith, to seek the advice of an attorney, whether or not we become involved in the dispute.
All costs and attorneys' fees can be deducted from your account when they are incurred, without notice to you.
Before settlement of click here item becomes final, we act only as your agent, regardless of the form of indorsement or lack of indorsement on the item and even though we provide you provisional credit for the item.
We may reverse any provisional credit for items that are lost, stolen, or returned.
Actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.
We are not responsible for transactions by mail or here depository until we actually record them.
We will treat and record all transactions received after our "daily cutoff time"on a business day we are open, or received on a day we are not open for business, as if initiated on the next business day that we are open.
At our option, we may take an item for collection rather than for deposit.
If we accept a third-party check for deposit, we may require any third-party indorsers to verify or guarantee their indorsements, or indorse in our presence.
WITHDRAWALS - Generally - Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance at any time.
Each of you until we receive written notice to the contrary authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us.
Postdated checks - A postdated more info is one which bears a date later than the date on which the check is written.
We may properly pay and charge your account for a postdated check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act.
Because we process checks mechanically, your notice will not be effective and we will not be liable for failing to honor your notice unless it precisely identifies the number, date, amount and payee of the item.
Checks and withdrawal rules - If you do not purchase your check blanks from us, you must be certain that we approve the check blanks you purchase.
We may refuse any withdrawal or transfer request which you attempt on forms not approved by us or by any method we do not specifically permit.
We may refuse any withdrawal or transfer request which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations.
We will use the date the transaction is completed by us as opposed to the date you initiate it to apply the frequency limitations.
In addition, we may place limitations on the account until your identity is verified.
Even if we honor a nonconforming request, we are not required to do so later.
If you violate the stated transaction limitations if anyin our discretion we may close your account or reclassify it as a transaction account.
If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification.
If we are presented with an item drawn against your account that would be a "substitute check,"as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item.
See the funds availability policy disclosure for information about when you can withdraw funds you deposit.
For those accounts to which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal.
We may determine the amount of available funds in your account for the purpose of deciding whether to return an item for insufficient funds at any time between the time we receive the item and when we return the item or send a notice in lieu of return.
We need only make one determination, but if we choose to make a subsequent determination, the account balance at the subsequent time will determine whether there are insufficient available funds.
A temporary debit authorization hold affects your account balance - On debit card purchases, merchants may request a temporary hold on your account for a specified sum of money, which may be more than continue reading actual amount of your purchase.
When this happens, our processing system cannot determine that the amount of the hold exceeds the actual amount of your purchase.
This temporary hold, and the amount charged to your account, will eventually be adjusted to the actual amount of your purchase, but it may be up to three days before the adjustment is made.
Until the adjustment is made, the amount of funds in your account available for other transactions will be reduced by the amount of the temporary hold.
If another transaction is presented for payment in an amount greater than the funds left after the deduction of the temporary hold amount, that transaction will be a nonsufficient funds NSF transaction if we do not pay it or an overdraft transaction if we do pay it.
You will be charged an NSF or overdraft fee according to our NSF or overdraft fee policy.
You will be charged the fee even if you would have had sufficient funds in your account if the amount of the hold had been equal to the amount of your purchase.
Overdrafts - You understand that we may, at our discretion, honor withdrawal requests that overdraw your account.
However, the fact that we may honor withdrawal requests that overdraw the account balance does not obligate us to do so later.
So you can NOT rely on us to pay overdrafts on your read article regardless of how frequently or under what circumstances we have paid overdrafts on your account in the past.
We can change our practice of paying overdrafts on your account without notice to you.
You can ask us if we have other account services that might be available to you where we commit to paying overdrafts under certain circumstances, such as an overdraft protection line-of-credit or a plan to sweep funds from another account you have with us.
You agree that we may charge fees for overdrafts.
For consumer accounts, we will not charge fees for overdrafts caused by ATM withdrawals or one-time debit card transactions if you have not opted-in to that service.
We may use subsequent deposits, including direct deposits of social security or other government benefits, to cover such overdrafts and overdraft fees.
Multiple signatures, electronic check conversion, and similar transactions - An electronic check conversion transaction is a transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation.
In these types of transactions the check or similar item is either removed from circulation truncated or given back to you.
As a result, we have no opportunity to review the check to examine the signatures on the item.
You agree that, as to these or any items as to which we have no opportunity to examine the signatures, you waive any requirement of multiple signatures.
Notice of withdrawal - We reserve the right to require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.
The law requires us to reserve this right, but it is not our general policy to use it.
Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty.
See your notice of penalty for early withdrawal.
In Pennsylvania, OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records.
We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds.
Individual Account - is an account in the name of one person.
Joint Account - With Survivorship And Not As Tenants In Common - is an account in the name of two or more persons.
Each of you intend that when you die the balance in the account subject to any previous pledge to which we have agreed will belong to the survivor s.
If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common.
Joint Account - No Survivorship As Tenants In Common - is owned by two or more persons, but none of you intend merely by opening this account to create any right of survivorship in any other person.
We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you.
This information will not, however, affect the "number of signatures"necessary for withdrawal.
Revocable Trust Account - If two of you create such an account, you own the account jointly with survivorship.
Beneficiaries cannot withdraw unless: 1 all persons creating the account die, and 2 the beneficiary is then living.
If two beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship.
The person s creating this account type reserve the right to: 1 change beneficiaries, 2 change account types, and 3 withdraw all or part of the account funds at any time.
In Maryland, OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records.
We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds.
Unless contrary direction is given in this account agreement, upon the death of a party, the funds in a multiple-party account shall belong to the surviving party or parties.
Individual Account - is an account in the name of one person.
Joint Account - With Survivorship And Not As Tenants In Common - is an account in the name of two or more persons.
Each of you intend that when you die the balance in the account subject to any previous pledge to which we have agreed will belong to the survivor s.
If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common.
Joint Account - No Survivorship As Tenants In Common - is owned by two or more persons, but none of you intend merely by opening this account to create any right of survivorship in any other person.
We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you.
This information will not, however, affect the "number of signatures"necessary for withdrawal.
Revocable Trust or Pay-On-Death Account - If two or more of you create this type of account, you own the account jointly with survivorship.
Beneficiaries cannot withdraw unless: 1 all persons creating the account die, and 2 the beneficiary is then living.
If two or more beneficiaries are named and survive the death of all persons creating the account, beneficiaries will own this account in equal shares, without right of survivorship.
The person s creating either of these conditions 888 and casino terms types may: 1 change beneficiaries, 2 change account types, and 3 withdraw all or part of the account funds at any time.
BUSINESS, ORGANIZATION AND ASSOCIATION ACCOUNTS - Earnings in the form of interest, dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy.
You represent that you have the authority to open and conduct business on this account on behalf of the entity.
We may require the governing body of the entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf.
We will honor the authorization until we actually receive written notice of a change from the governing body of the entity.
STOP PAYMENTS - Unless otherwise provided, the rules in this section cover stopping payment of items such as checks and drafts.
Rules for stopping payment of other types of transfers of funds, such as consumer electronic fund transfers, may be established by law or our policy.
If we have not disclosed these rules to you elsewhere, you may ask us about those rules.
We may accept an order to stop payment on any item from any one of you.
You my deposits terms and conditions make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it.
Because stop-payment orders are handled by computers, to be effective, your stop-payment order must precisely identify the number, date, and amount of the item, and the payee.
You may stop payment on any item drawn on your account whether you sign the item or not.
Generally, if your stop-payment order is given to us in writing it is effective for six months.
Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period.
If the original stop-payment order was verbal your stop-payment order will lapse after 14 calendar days if you do not confirm your order in writing within that time period.
We are not obligated to notify you when a stop-payment order expires.
A release of the stop-payment request may be made only by the person who initiated the stop-payment order.
If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys' fees.
You assign to us all rights against the payee or any other holder of the item.
You agree to cooperate with us in any legal actions that we may take against such persons.
You slotted and rotors drilled rear be aware that anyone holding the item may be entitled to enforce payment against you despite the stop-payment order.
TELEPHONE TRANSFERS - A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing.
Unless a different limitation is disclosed in writing, we restrict the number of transfers from a savings or money market account to another account or to third parties, to a maximum of six per month less the number of "preauthorized transfers"during the month.
Other account transfer restrictions may be described elsewhere.
AMENDMENTS AND TERMINATION - We may change any term of this agreement.
Rules governing changes in interest rates are provided separately in the Truth-in-Savings disclosure or in another document.
For other changes, we will give you reasonable notice in writing or by any other method permitted by law.
We may also close this account at any time upon reasonable notice to you and tender of the account balance personally or by mail.
Items presented for payment after the account is closed may be dishonored.
When you close your account, you are responsible for leaving enough money in the account to cover any outstanding items to be paid from the account.
Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective.
For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice.
You agree to keep us informed of your current address at all times.
If we have notified you of a change in any term of your account and you continue to have your account after the effective date of the change, you have agreed to the new term s.
STATEMENTS - Your duty to report unauthorized signatures, alterations and forgeries - You must examine your statement of account with "reasonable promptness.
As between you and us, if you fail to do either of these duties, you will have to either share the loss with us, or bear the loss entirely yourself depending on whether we used ordinary care and, if not, whether we substantially contributed to the loss.
The loss could be not only with respect to items on the statement but other items with unauthorized signatures or alterations by the same wrongdoer.
You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is first sent or made available to you.
You further agree that if you fail to report any unauthorized signatures, alterations or forgeries in your account within 60 days of when we first send or make the statement available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours.
This 60-day limitation is without regard to whether we used ordinary care.
The limitation in this paragraph is in addition to that contained in the first paragraph of this section.
Your duty to report other errors - In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error - such as an encoding error.
You agree that the time you have to examine your statement and report to us will depend on the circumstances.
However, such time period shall not exceed 60 days.
Failure to examine your statement and report any such errors to us within 60 days of when we first send or make the statement available precludes you from asserting a claim against us for any such errors on items identified in that statement and as between you and us the loss will be entirely yours.
Errors relating to electronic fund transfers or substitute checks - For information on errors relating to electronic fund transfers e.
For information on errors relating to a substitute check you received, just click for source to your disclosure entitled Substitute Checks and Your Rights.
ACCOUNT TRANSFER - This account may not be transferred or assigned without our prior written consent.
DIRECT DEPOSITS - If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the federal government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law.
We may also use any other legal remedy to recover the amount of our liability.
TEMPORARY ACCOUNT AGREEMENT - If this option is selected, this is a temporary account agreement.
Each person who signs to open the account or has authority to make withdrawals except as indicated to the contrary may transact business on this account.
However, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirements we have imposed within a reasonable time.
SETOFF - We may without prior notice and when permitted by law set off the funds in this account against any due and payable debt you owe us now or in the future, by any of you having the right of withdrawal, to the extent of such persons' or legal entity's right to withdraw.
If the debt arises from a note, "any due and payable debt" includes the total amount of which we are entitled to demand payment under the terms of the note at the time we set off, including any balance the due date for which we properly accelerate under the note.
This right of setoff does not apply to this account if prohibited by law.
For example, the right of setoff does not apply to this account if: a it is an Individual Retirement Account or similar tax-deferred account, or b the debt is created by a consumer credit transaction under a credit card plan but this does not affect our rights under any consensual security interestor c the debtor's right of withdrawal only arises in a representative capacity.
We will not be liable for the dishonor of any check when the dishonor occurs because we set off a debt against this account.
You agree to hold us harmless from any claim arising as a result of our exercise of our right of setoff.
In Pennsylvania, AUTHORIZED SIGNER Individual Accounts only - A single individual is the owner.
The authorized signer is merely designated to conduct transactions on the owner's behalf.
The owner does not give up any rights to act on the account, and the authorized signer may not in any manner affect the rights of the owner or beneficiaries, if any, other than by withdrawing funds from the account.
The owner is responsible for any transactions of the authorized signer.
We undertake no obligation to monitor transactions to determine that they are on the owner's behalf.
The designation of an authorized signer does not create a power of attorney; therefore, the authorized signer is not subject to the provisions of 20 Pa.
Section 5601 et seq.
Chapter 56; Decedents, Estates and Fiduciaries Code.
The owner may terminate the authorization at any time, and the authorization is automatically terminated by the death of the owner.
However, we may continue to honor the transactions of the authorized signer until: a we have received written notice or have actual knowledge of the termination of authority, and b we have a reasonable opportunity to act on that notice or knowledge.
We may refuse to accept the designation of an authorized signer.
In Maryland, CONVENIENCE SIGNER Individual Accounts only - A single individual is the owner.
The convenience signer is merely designated to conduct transactions on the owner's behalf.
The owner does not give up any rights to act on the account, and the convenience signer may not in any manner affect the rights of the owner or beneficiaries, if any, other than by withdrawing funds from the account.
The owner is responsible for any transactions of the convenience signer.
We undertake no obligation to monitor transactions to determine that they are on the owner's behalf.
The owner may terminate the convenience signer's authorization at any time, and the authorization is automatically terminated by the death of the owner.
However, we may continue to honor the transactions of the convenience signer until: a we have received written notice or have actual knowledge of the termination of authority, and b we have a reasonable opportunity to act on that notice or knowledge.
We may refuse to accept the designation of a convenience signer.
RESTRICTIVE LEGENDS - The automated processing of the large volume of checks we receive prevents us from inspecting or looking for special instructions or "restrictive legends"on every check.
We are not responsible for any losses, claims, damages, or expenses that result from your placement of these or other special instructions on your checks.
PAYMENT ORDER OF ITEMS - The law permits us to pay items such as link or drafts drawn on your account in any order.
To assist you in handling your account with us, we are providing you with the following information regarding how we process the items that you write.
When processing items drawn on your account, our policy is to pay them in numerical sequence.
Lower item numbers are paid first.
The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented.
There is no policy that is favorable in every instance.
If the smallest items are paid first, you may have fewer NSF or overdraft fees, but the largest, and perhaps more important items such as rent or mortgage payments might not be paid.
If an item is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item creating an overdraft or return the item NSF.
The amounts of the overdraft and NSF fees are disclosed elsewhere.
By paying items in numerical sequence, we think our policy attains a reasonable balance between minimizing additional cost to you and paying your more important items.
We encourage you to make careful records and practice good account management.
This will help you to avoid writing checks or drafts without sufficient funds and incurring the resulting fees.
FACSIMILE SIGNATURES - Unless you make advance arrangements with us, we have no obligation to honor facsimile signatures on your checks or other orders.
If we do agree to honor items containing facsimile signatures, you authorize us, at any time, to charge you for all checks, drafts, or other orders, for the payment of money, that are drawn on us.
You give us this authority regardless of by whom or by what means the facsimile signature s may have been affixed so long as they resemble the facsimile signature specimen filed with us, and contain the required number of signatures for this purpose.
You must notify us at once if you suspect that your facsimile signature is being or has been misused.
CHECK PROCESSING - We process items mechanically by relying solely on the information encoded in magnetic ink along the bottom of the items.
This means that we do not individually examine all of your items to determine if the item is properly completed, signed and indorsed or to determine if it contains any information other than what is expansion slots cards ppt in magnetic ink.
You agree that we have not failed to exercise ordinary care solely because we use our automated system to process items and do not inspect all items processed in such a manner.
seems casino markers and comps for an automated process helps us keep costs down for you and all account holders.
CHECK CASHING - We may charge a fee for anyone that does not have an account with us who is cashing a check, draft or other instrument written on your account.
We may also require reasonable identification to cash such a check, draft or other instrument.
We can decide what identification is reasonable under the circumstances and such identification may be documentary or physical and may include collecting a thumbprint or fingerprint.
INDORSEMENTS - We may accept for deposit any item payable to you or your order, even if they are not indorsed by you.
We may give cash back to any one of you.
We may supply any missing indorsement s for any item we accept for deposit or collection, and you warrant that all indorsements are genuine.
To ensure that your check or share draft is processed without delay, you must indorse it sign it on the back in a specific area.
Your entire indorsement whether a signature or a stamp along with any other indorsement information e.
Indorsements must be made in blue or black ink, so that they are readable by automated check processing equipment.
As you look at the front of a check, the "trailing edge"is the left edge.
It is important that you confine the indorsement information to this area since the remaining blank space will be used by others in the processing of the check to place additional needed indorsements and information.
You agree that you will indemnify, defend, and hold us harmless for any loss, liability, damage or expense that occurs because your indorsement, another indorsement or information you have printed on the back of the check obscures our indorsement.
These indorsement guidelines apply to both personal and business checks.
DEATH OR INCOMPETENCE - You agree to notify us promptly if any person with a right to withdraw funds from your account s dies or becomes legally incompetent.
We may continue to honor your checks, items, and instructions until: a we know of your death or incompetence, and b we have had a reasonable opportunity to source on that knowledge.
You agree that we may pay or certify checks drawn on or before the date of death or legal incompetence for up to ten 10 days after your death or legal incompetence unless ordered to stop payment by someone claiming an interest in the account.
FIDUCIARY ACCOUNTS - Accounts may be opened by a person acting in a fiduciary capacity.
A fiduciary is someone who is appointed to act on behalf of and for the benefit of another.
This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement, or as executors, administrators, or conservators under court orders.
You understand that by merely opening such an account, we are not acting in the capacity of a trustee in connection with the trust nor do we undertake any obligation to monitor or enforce the terms of the trust or letters.
CREDIT VERIFICATION - You agree that we may verify credit and employment history by any necessary means, including preparation of a credit report by a credit reporting agency.
LEGAL ACTIONS AFFECTING YOUR ACCOUNT - If we are served with a subpoena, restraining order, writ of attachment or execution, levy, garnishment, search warrant, or similar order relating to your account termed "legal action" in this sectionwe will comply with that legal action.
Or, in our discretion, we may freeze the assets in the account and not allow any payments out of the account until a final court determination regarding the legal action.
We may do these things even if the legal action involves less than all of you.
In these cases, we will not have any liability to you if there are insufficient funds to pay your items because we have withdrawn funds from your account or in any way restricted access to your funds in accordance with the legal action.
Any fees or expenses we incur in responding to any legal action including, without limitation, attorneys' fees and our internal expenses may be charged against your account.
The list of fees applicable to your account s provided elsewhere may specify additional fees that we may charge for certain legal actions.
SECURITY - It is your responsibility to protect the account numbers and electronic access devices e.
Do not discuss, compare, or share information about your account number s with anyone unless you are willing to give them full use of your money.
An account number can be used by thieves to encode your number on a false demand draft which looks like and functions like an authorized check.
If you furnish your access device and grant actual authority to make transfers to another person a family member or coworker, for example who then exceeds that authority, you are liable for the transfers unless we have been notified that transfers by that person are no longer authorized.
Your account number can also be used to electronically remove money from your account.
If you provide your account number in response to a telephone solicitation for the purpose of making a transfer to purchase a service or merchandise, for examplepayment can be made from your account even though you did not contact us directly and order the payment.
You must also take precaution in safeguarding your blank checks.
Notify us at once if you believe my deposits terms and conditions checks have been lost or stolen.
As between you and us, if you are negligent in safeguarding your checks, you must bear the loss entirely yourself or share the loss with us we may have to share some of the loss if we failed to use ordinary care and if we substantially contributed to the loss.
You agree that if we offer you services appropriate for your account to help identify and limit fraud or other best online game names ever transactions against your account, such as positive pay or commercially reasonable security procedures, and you reject those services, you will be responsible for any fraudulent or unauthorized transactions which could have been prevented by the services we offered, unless we acted in bad faith or to the extent our negligence contributed to the loss.
TELEPHONIC INSTRUCTIONS - Unless required by law or we have agreed otherwise in writing, we are not required to act upon instructions you give us via facsimile transmission or leave by voice mail or on a telephone answering machine.
CLAIM OF LOSS - If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your account, the transaction, and the circumstances surrounding the loss.
You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals.
We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss.
Unless we have acted in bad faith, we will not be liable for special or consequential damages, including loss of profits or opportunity, or for attorneys' fees incurred by you.
You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss.
You will pursue your rights or, at our option, assign them to us so that we may pursue them.
Our liability will be reduced by the amount you recover or are entitled to recover from these other sources.
EARLY WITHDRAWAL PENALTIES and involuntary withdrawals - We may impose early withdrawal penalties on a withdrawal from a time account even if you don't initiate the withdrawal.
For instance, the early withdrawal penalty may be imposed if the withdrawal is caused by our setoff against funds in the account or as a result of an attachment or other legal process.
We may close your account and impose the early withdrawal penalty on the entire account balance in the event of a partial early withdrawal.
See your notice of penalty for early withdrawals for additional information.
ADDRESS OR NAME CHANGES - You are responsible for notifying us of any change in your address or your name.
Unless we agree otherwise, change of address or name must be made in writing by at least one of the account holders.
Informing us of your address or name change on a check reorder form is not sufficient.
We will attempt to communicate with you only by use of the most recent address you have provided to us.
If provided elsewhere, we may impose a service fee if we attempt to locate you.
RESOLVING ACCOUNT DISPUTES - We may place an administrative hold on the funds in your account refuse payment or withdrawal of the funds if it becomes subject to a claim adverse to 1 your own interest; 2 others claiming an interest as survivors or beneficiaries of your account; or 3 a claim arising by operation of law.
The hold may be placed for such period of time as we believe reasonably necessary to allow a legal proceeding to determine the merits of the claim or until we receive evidence satisfactory to us that the dispute has been resolved.
We will not be liable for any items that are dishonored as a consequence of placing a hold on funds in your account for these reasons.
WAIVER OF NOTICES - You waive any notice of non-payment, dishonor or protest regarding any items credited to or charged against your account.
ACH AND WIRE TRANSFERS - This agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers as adopted in the state in which you have your account with us.
If you originate a fund transfer and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment.
We may rely on the number even if it identifies a financial institution, person or account other than the one named.
You agree to be bound by automated clearing house association rules.
These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403 a of the Uniform Commercial Code.
If we do not receive such payment, we are entitled to a refund from you in the amount credited to your account and the party originating such payment will not be considered oranje and kroon casino have paid the amount so credited.
If we receive a payment order to credit an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit.
INTEREST CHECKING ACCOUNTS AND NON INTEREST CHECKING ACCOUNTS - This Account consists of a checking sub account and a savings sub account.
The Bank may periodically transfer funds between these two sub accounts.
On a sixth transfer during a calendar month, any funds in the savings sub account will be transferred back to the checking sub account.
If your Account is a Plan on which interest is paid, your interest calculation will remain the same.
Otherwise, the savings sub account will be non interest bearing.
The savings sub account will be governed by the rules governing our other savings accounts.
This process will not affect your available balance, the interest you may earn, FDIC insurance protection, or your monthly statement.
UNLAWFUL INTERNET GAMBLING NOTICE - Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship.
Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.
This notice does not mean that we will be reporting such information about you, only that we may report such information about customers that have not done what they are required to do under our agreement.
After providing this notice, additional negative information may be submitted without providing another notice.
We may report information about your account to credit bureaus.
Late payments, missed payments or other defaults on your account may be reflected in your credit report.
Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed.
You should keep this notice for future reference.
Electronic Fund Transfers Initiated By Third Parties.
You may authorize a third party to initiate electronic fund transfers between your account and the third party's account.
These transfers to make or receive payment may be one-time occurrences or may recur as directed by you.
These transfers may use the Automated Clearing House ACH or other payments network.
Your authorization to the third party to make these transfers can occur in a number of ways.
For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt.
In all cases, these third party transfers will require you to provide the third party with your account number and bank information.
This information can be found on your check as well as on a deposit or withdrawal slip.
Thus, you should only provide your bank and account information whether over the phone, the Internet, or via some other method to trusted third parties whom you have authorized to initiate these electronic fund transfers.
You may make arrangements for certain direct deposits to be accepted into your checking, savings, or money market account s.
You may make arrangements to pay certain recurring bills from your checking, statement savings, or money market savings account s.
You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills.
You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.
Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts.
Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM transfers.
If you effect a transaction with your MasterCard®-branded debit card in a currency other than US Dollars, MasterCard will convert the charge into a US Dollar amount.
The MasterCard currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by MasterCard.
The exchange rate MasterCard uses will be a rate in effect on the day the transaction is processed.
This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account.
Advisory Against Illegal Use.
You agree not to use your card casinos 18 and up in florida for illegal gambling or other illegal purpose.
Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.
Except as indicated elsewhere, we do not charge for these electronic fund transfers.
When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.
You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal.
If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, the person or company making the deposit will tell you every time they send us the money or you can call us at 814 443-9200 to find out whether or not the deposit has been made.
You will get a monthly account statement from us for your checking accounts: You will get a monthly account statement from us for your savings or money market accounts, unless there are no transfers in a particular month.
In any case, you will get a statement at least quarterly.
If you have told us in advance to make regular payments out of your click at this page, you can stop any of these payments.
Here is how: Call or click to see more us at the telephone number or address listed in this brochure in time for us to receive your request 3 business days or more before the payment is scheduled to be made.
If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
Please refer to our separate fee schedule for the amount we will charge you for each stop payment order you give and for revocation of a preauthorized debit.
If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be.
You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.
If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
FINANCIAL INSTITUTION'S LIABILITY Liability for failure to make transfers.
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages.
However, there are some exceptions.
UNAUTHORIZED TRANSFERS a Consumer liability.
Telephoning is the best way of keeping your possible losses down.
You could lose all the money in your account plus your maximum overdraft line of credit.
Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once.
If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.
If a good reason such as a long trip or a hospital stay kept you from telling us, we will extend the time periods.
You will not be liable for any unauthorized transactions using your MasterCard®-branded debit card if: i you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and ii upon becoming aware of a loss or theft, you promptly report the loss or theft to us.
You should also call the number or write to the address listed in this brochure if you believe a transfer has been made using the information from your check without your permission.
ERROR RESOLUTION NOTICE In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt.
We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
If you tell us orally, we may require that you send us your complaint or question in best online game names ever within 10 business days.
We will determine whether an error occurred within 10 business days 20 business days if the transfer involved a new account after we hear from you and will correct any error promptly.
If we need more time, however, we may take up to 45 days 90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer to investigate your complaint or question.
If we decide to do this, we will credit your account within 10 business days 20 business days if the transfer involved a new account for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.
If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.
Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.
We will tell you the results within three business days after completing our investigation.
If we decide that there was no error, we will send you a written explanation.
You may ask for copies of the documents that we used in our investigation.
SOMERSET TRUST COMPANY CUSTOMER SERVICE 151 WEST MAIN STREET, P.
Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit.
Electronic direct deposits will be available on the day we receive the deposit.
Once the funds are available, you can withdraw them in cash and we will use free samples of policies and procedures funds to pay checks that you have written.
Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are click to see more to us unpaid and for any other problems involving your deposit.
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays.
If you make a deposit before closing on a business day that we are open, we will consider that day to go here the day of your deposit.
However, if you make a deposit after closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
If you make a deposit at an ATM before 2:00 P.
However, if you make a deposit at an ATM after 2:00 P.
If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account.
Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.
LONGER DELAYS MAY APPLY Funds you deposit by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid.
You redeposit a check that has been returned unpaid.
You have overdrawn your account repeatedly in the last six months.
There is an emergency, such as failure of computer or communications equipment.
We will notify you if link delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available.
They will generally be available no later than the seventh business day after the day of your deposit.
SPECIAL RULES FOR NEW ACCOUNTS If you are a new customer, the following special rules will apply during the first 30 days your account is open.
Funds from electronic direct deposits to your account will be available on the day we receive the deposit.
For example, the checks must be payable to you and you may have to use a special deposit slip.
If your deposit of these checks other than a U.
Funds from all other check deposits will be available on the tenth business day after the day of your deposit.
The following Substitute Check Disclosure provides information about substitute checks and your rights.
So you will recognize substitute checks when you receive them, we have included a copy of the front side of a substitute check along with an explanation of the substitute check's components.
What is a substitute check?
To make check processing faster, federal law permits banks to replace original checks with "substitute checks.
The front of a substitute check states: "This is a legal copy of your check.
You can use it the same way you would use the original check.
Some or all of the checks that you receive back from us may be substitute checks.
This notice describes rights you have when you receive substitute checks from us.
The rights in this notice do not apply to original checks or to electronic debits to your account.
However, you have rights under other law with respect to those transactions.
What are my rights regarding substitute checks?
In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check.
The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal for example, bounced check fees.
The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less.
You also are entitled to interest on the amount of your refund if your account is an interest-bearing account.
If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.
We may reverse the refund including any interest on the refund if we later are able to demonstrate that the substitute check was correctly posted to your account.
How do I make a claim for a refund?
If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at: Somerset Trust Company 151 W.
Somerset, PA 15501 You must contact us within 60 calendar days of the date learn more here we mailed or otherwise delivered by a means to which you agreed the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later.
We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.
You can use it the same way you would use the original check.
It is also possible for the MICR line on the substitute check to begin with a "5"if the item is being returned.
The rest of the MICR line is the same as the original check to ensure that it is processed as though it were the original.
Main Street Somerset, PA 15501 Somerset Plaza Branch 1614 North Center Avenue Somerset, PA 15501 Somerset Crossing Branch Located in Wal-Mart 2028 North Center Avenue Somerset, PA 15501 Glades Pike Branch 4185 Glades Pike Road Somerset, PA 15501 Berlin Branch 420 Main Street Berlin, PA 15530 Johnstown Branch 116 Market Street Johnstown, PA 15901 Richland Branch 1416 Scalp Avenue Johnstown, PA 15904 Meyersdale Branch 151 Center Street Meyersdale, PA 15552 Meyersdale Southside Branch 7209 Mason Dixon Hwy Meyersdale, PA 15552 Hooversville Branch 801 Barn Street Hooversville, PA 15936 Confluence Branch 612 Logan Place Confluence, PA 15424 Goucher Street Branch at Giant Eagle 344 Goucher Street, Suite 10 Johnstown, PA 15905 Champion Branch 1446 County Line Road Champion, PA 15622 Vinco Branch 2690 William Penn Ave, Suite 5 Johnstown, PA 15909 Westwood Branch 1739 Lyter Drive Johnstown, PA 15905 Ligonier Giant Eagle Branch 117 South Walnut Street Ligonier, PA 15658 Ligonier Branch 228 W.
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ALAMO RENTAL AGREEMENT TERMS AND CONDITIONS. Renter’s signature on the front of the Rental Agreement (“Agreement”), or by clicking the “I Accept” button at a rental kiosk or via an internet rental, or via Online Check-in, that Renter has read, is aware of, and accepts full responsibility for and is bound by the terms and conditions contained in this Agreement, which also consists of.


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YOUR DEPOSIT ACCOUNT - TERMS AND CONDITIONS TABLE OF CONTENTS TERMS AND CONDITIONS Important Information About Procedures for Opening a New Account Agreement Liability Deposits Withdrawals Ownership of Account and Beneficiary Designation Business, Organization and Association Accounts Stop Payments Telephone Transfers Amendments and Termination Statements Account Transfer Direct Deposits Temporary Account Agreement Setoff Authorized Signer Convenience Signer Restrictive Legends Payment Order of Items Facsimile Signatures Check Processing Check Cashing Indorsements Death or Incompetence Fiduciary Accounts Credit Verification Legal Actions Affecting Your Account Security Telephonic Instructions Claim of Loss Early Withdrawal Penalties Address or Name Changes Resolving Account Disputes Waiver of Notices ACH and Wire Transfers Interest Checking Accounts and Non Interest Checking Accounts Unlawful Internet Gambling Notice NOTICE OF NEGATIVE INFORMATION ELECTRONIC FUND TRANSFERS FUNDS AVAILABILITY DISCLOSURE SUBSTITUTE CHECKS AND YOUR RIGHTS TERMS AND CONDITIONS OF YOUR ACCOUNT IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.
We may also ask to see your driver's license or other identifying documents.
In Pennsylvania, AGREEMENT - This document, along with any other documents we give you pertaining to your account sis a contract that establishes rules which control your account s with us.
Please read this carefully and retain it for future reference.
If you sign the signature card or open or continue to use the account, you agree to these rules.
You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document.
If you have any questions, please call us.
This agreement is subject to applicable federal laws, the laws of the state of Pennsylvania and other applicable rules such as the operating letters of the Federal Reserve Banks and payment processing system rules except to the extent that this agreement can and does vary such rules or laws.
The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here.
Any provision that appoints us as an agent is not subject to the provisions of 20 Pa.
Section 5601 et seq.
Chapter 56; Decedents, Estates and Fiduciaries Code.
By exercising any of our rights under this agreement, we do so for our sole benefit.
If any provision of this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect.
We may permit some variations from our standard agreement, but we best online game names ever agree to any variation in writing either on the signature card for your account or in some other document.
As used in this document the words "we" and "our" and "us" mean the financial institution and the words "you" and "your" mean the account holder s and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the account.
However, this agreement does not intend, and the terms "you" and "your" should not be interpreted, to expand an individual's responsibility for an organization's liability.
If this account is owned by a corporation, partnership or other organization, individual liability is determined by the laws generally applicable to that type of organization.
The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions.
Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular.
Any provision which is not described as applying to a particular state, applies to your account.
In Maryland, AGREEMENT - This document, along with any other documents we give you pertaining to your account sis a contract that establishes rules which control your account s with us.
Please read this carefully and retain it for future reference.
If you sign the signature card or open or continue to use the account, you agree to these rules.
You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document.
If you have any questions, please call us.
This agreement is subject to applicable federal laws, the laws of the state of Maryland and other applicable rules such as the operating letters of the Federal Reserve Banks and payment processing system rules except to the extent that this agreement can and does vary such rules or laws.
The body of state and federal law that governs our relationship coral 10 casino bonus terms and conditions you, however, is too large and complex to be reproduced here.
If any provision of this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect.
We may permit some variations from our click the following article agreement, but we must agree to any variation in writing either on the signature card for your account or in some other document.
As used in this document the words "we" and "our" and "us" mean the financial institution and the words "you" and "your" mean the account holder s and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the account.
However, this agreement does not intend, and the terms "you" and "your" should not be interpreted, to expand an individual's responsibility for an organization's liability.
If this account is owned by a corporation, partnership or other organization, individual liability is determined by the laws generally applicable to that type of organization.
The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions.
Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular.
Any provision which is not described as applying to a particular state, applies to your account.
LIABILITY - You agree, for yourself and the person or entity you represent if you sign as a representative of another to the terms of this account and the schedule of charges.
You authorize us to deduct these charges, without notice to you, directly from the account balance as accrued.
You will pay any additional reasonable charges for services you request which are not covered by this agreement.
Each of you also agrees to be jointly and severally individually liable for any account shortage resulting from charges or overdrafts, whether caused by you or another with access to this account.
This liability is due immediately, and can be deducted directly from the account balance whenever sufficient funds are available.
You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft.
You will be liable for our costs as well as for our reasonable attorneys' fees, to the extent permitted by law, whether incurred as a result of collection or in any other dispute involving your account.
This includes, but is not limited to, disputes between you and another joint owner; you and an authorized signer or similar party; or a third party claiming an interest in your account.
This also includes any action that you or a third party takes regarding the account that causes us, in good faith, to seek the advice of an attorney, whether or not we become involved in the dispute.
All costs and attorneys' fees can be deducted from your account when they are incurred, without notice to you.
Before settlement of any item becomes final, we act only as your agent, regardless of the form of indorsement or lack of indorsement on the item and even though we provide you provisional credit for the item.
We may reverse any provisional credit for items that are lost, stolen, or returned.
Actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.
We are not responsible for transactions by mail or outside depository until we actually record them.
We will treat and record all transactions received after our "daily cutoff time"on a business day we are open, or received on a day we are not open for business, as if initiated on the next business day that we are open.
At our option, we may take an item for collection rather than for deposit.
If we accept a third-party check for deposit, we may require any third-party indorsers to verify or guarantee their indorsements, or indorse in our presence.
WITHDRAWALS - Generally - Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance at any time.
Each of you until we receive written notice to the contrary authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us.
Postdated checks - A postdated check is one which bears a date later than the date on which the check is written.
We may properly pay and charge your account for a postdated check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act.
Because we process checks mechanically, your notice will not be effective and we will not be liable for failing to honor your notice unless it precisely identifies the number, date, amount and payee of the item.
Checks and withdrawal rules - If you do not purchase your check blanks from us, you must be certain that we approve the check blanks you purchase.
We may refuse any withdrawal or transfer request which you attempt on forms not approved by us or by any method we do not specifically permit.
We may refuse any withdrawal or transfer request which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations.
We will use the date the transaction is completed by us as opposed to the date you initiate it to apply the frequency limitations.
In addition, we may place limitations on the account until your identity is verified.
Even if we honor a nonconforming request, we are not required to do so later.
If you violate the stated transaction limitations if anyin our discretion we may close your account or reclassify it as a transaction account.
If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification.
If we are presented with an item drawn against your account that would be a "substitute check,"as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item.
See the funds availability policy disclosure for information about when you can withdraw funds you deposit.
For those accounts to which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal.
We may determine the amount of available funds in your account for the purpose of deciding whether to return an item for insufficient funds at any time between the time we receive the item and when we return the item or send a notice in lieu of return.
We need only make one determination, but if we choose to make a subsequent determination, the account balance at the subsequent time will determine whether there are insufficient available funds.
A temporary debit authorization hold affects your account balance - On debit card purchases, merchants may request a temporary hold on your account for a specified sum of money, which may be more than the actual amount of your purchase.
When this happens, our processing system cannot determine that the amount of the hold exceeds the actual amount of your purchase.
This temporary hold, and the amount charged to your account, will eventually be adjusted to the actual amount of your purchase, but it may be up to three days before the adjustment is made.
Until the adjustment is made, the amount of funds in your account available for other transactions will be reduced by the amount of the temporary hold.
If another transaction is presented for payment in an amount greater than the funds left after the deduction of the temporary hold amount, that transaction will be a nonsufficient funds NSF transaction if we do not pay it or an overdraft transaction if we do pay it.
You will be charged an NSF or overdraft fee according to our NSF or overdraft fee policy.
You will be charged the fee even if you would have had sufficient funds in your account if the amount of the hold had been equal to the amount of your purchase.
Overdrafts - You understand that we may, at our discretion, honor withdrawal requests that overdraw your account.
However, the fact that we may honor withdrawal requests that overdraw the account balance does not obligate us to do so later.
So you can NOT rely on us to pay overdrafts on your account regardless of how frequently or under what circumstances we have paid overdrafts on your account in the past.
We can change our practice of paying overdrafts on your account without notice to you.
You my deposits terms and conditions ask us if we have other account services that might be available to you where we commit to paying overdrafts under certain circumstances, such as an overdraft protection line-of-credit or a plan to sweep funds from another account you have with us.
You agree that we may charge fees for overdrafts.
For consumer accounts, we will not charge fees for overdrafts caused by ATM withdrawals or one-time debit card transactions if you have not opted-in to that service.
We may use subsequent deposits, including direct deposits of social security or heart pacemakers and slot machines government benefits, to cover such overdrafts and overdraft fees.
Multiple signatures, electronic check conversion, and similar transactions - An electronic check conversion transaction is a transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation.
In these types of transactions the check or similar item is either removed from circulation truncated or given back to you.
As a result, we have no opportunity to review the check to examine the signatures on the item.
You agree that, as to these or any items as to which we have no opportunity to examine the signatures, you waive any requirement of multiple signatures.
Notice of withdrawal - We reserve the right to require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.
The law requires us to reserve this right, but it is not our general policy to use it.
Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty.
See your notice of penalty for early withdrawal.
In Pennsylvania, OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records.
We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds.
Individual Account - is an account in the name of one person.
Joint Account - With Survivorship And Not As Tenants In Common - is an account in the name of two or more persons.
Each of you intend that when you die the balance in the account subject to any previous pledge to which we have agreed will belong to the survivor s.
If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common.
Joint Account - No Survivorship As Tenants In Common - is owned by two or more persons, but none of you intend merely by opening this account to create any right of survivorship in any other person.
We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you.
This information will not, however, affect the "number of signatures"necessary for withdrawal.
Revocable Trust Account - If two of you create such an account, you own the account jointly with survivorship.
Beneficiaries cannot withdraw unless: 1 all persons creating the account die, and 2 the beneficiary is then living.
If two beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship.
The person s creating this account type reserve the right to: 1 change beneficiaries, 2 change account types, and 3 withdraw all or part of the account funds at any time.
In Maryland, OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records.
We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds.
Unless contrary direction is given in this account agreement, upon the death of a party, the funds in a multiple-party account shall belong to the surviving party or parties.
Individual Account - is an account in the name of one person.
Joint Account - With Survivorship And Not As Tenants In Common - is an account in the name of two or more persons.
Each of you intend that when you die the balance in the account subject to any previous pledge to which we have agreed will belong to casino rockford and survivor s.
If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common.
Joint Account - No Survivorship As Tenants In Common - is owned by two or more persons, but none of you intend merely by opening this account to create any right of survivorship in this web page other person.
We encourage you to agree and tell us in writing of the percentage of the deposit contributed by this new signals and slots answer of you.
This information will not, however, affect the "number of signatures"necessary for withdrawal.
Revocable Trust or Pay-On-Death Account - If two or more of you create this type of account, you own the account jointly with survivorship.
Beneficiaries cannot withdraw unless: 1 all persons creating the account die, and 2 the beneficiary is then living.
If two or more beneficiaries are named and survive the death of all persons creating the account, beneficiaries will own this account in equal shares, without right of survivorship.
The person s creating either of these account types may: 1 change beneficiaries, 2 change account types, and 3 withdraw all or part of the account funds at any time.
BUSINESS, ORGANIZATION AND ASSOCIATION ACCOUNTS - Earnings in the form of interest, dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy.
You represent that you have the authority to open and conduct business on this account on behalf of the entity.
We may require the governing body of the entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf.
We will honor the authorization until read more actually receive written notice of a change from the governing body of the entity.
STOP PAYMENTS - Unless otherwise provided, the rules in this section cover stopping payment of items such as checks and drafts.
Rules for stopping payment of other types of transfers of funds, such as consumer electronic fund transfers, may really. vera and john no deposit bonus 2019 magnificent established by law or our policy.
If we have not disclosed these rules to you elsewhere, you may ask us about those rules.
We may accept an order to stop payment on any item from any one of you.
You must make any stop-payment order in the manner required by law and we must receive it in time to read more us a reasonable opportunity to act on it.
Because stop-payment orders are handled by computers, to be effective, your stop-payment order must precisely identify the number, date, and amount of the item, and the payee.
You may stop payment on any item drawn on your account whether you sign the item or not.
Generally, if your stop-payment order is given to us in writing it is effective for six months.
Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period.
If the original stop-payment order was verbal your stop-payment order will lapse after 14 calendar days if you do not confirm your order in writing within that time period.
We are not obligated to notify you when a stop-payment order expires.
A release of the stop-payment request may be made only by the person who initiated the stop-payment order.
If you stop payment on an item and we incur any damages or expenses because of the stop payment, read more agree to indemnify us for those damages or expenses, including attorneys' fees.
You assign to us all rights against the payee or any other holder of the item.
You agree to cooperate with us in any legal actions that we may take against such persons.
You should be aware that anyone holding the item may be entitled to enforce payment against you despite the stop-payment order.
TELEPHONE TRANSFERS - A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing.
Unless a different limitation is disclosed in writing, we restrict go here number of transfers from a savings or money market account to another account or to third parties, to a maximum of six per month less the number of "preauthorized transfers"during the month.
Other account transfer restrictions may be described elsewhere.
AMENDMENTS AND TERMINATION - We may change any term of this agreement.
Rules governing changes in interest rates are provided separately in the Truth-in-Savings disclosure or in another document.
For other changes, we will give you reasonable notice in writing or by any other method permitted by law.
We may also close this account at any time upon reasonable notice to you and tender of the account balance personally or by mail.
Items presented for payment after the account is closed may be dishonored.
When you close your account, you are responsible for leaving enough money in the account to cover any outstanding items to be paid from the account.
Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective.
For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice.
You agree to keep us informed of your current address at all times.
If we have notified you of a change in any term of your account and you continue to have your account after the effective date of the change, you have agreed to the new term s.
STATEMENTS - Your duty to report unauthorized signatures, alterations and forgeries - You must examine your statement of account with "reasonable promptness.
As between you and us, if you fail to do either of these duties, you will have to either share the loss with us, or bear the loss entirely yourself depending on whether we used ordinary care and, if not, whether we substantially contributed to the loss.
The loss could be not only with respect to items on the statement but other items with unauthorized signatures or alterations by the same wrongdoer.
You agree that the time you have to examine your statement and report to us will depend on best online game names ever circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is first sent or made available to you.
You further agree that if you fail to report any unauthorized signatures, alterations or forgeries in your account within 60 days of when we first send or make the statement available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours.
This 60-day limitation is without regard to whether we used ordinary care.
The limitation in this paragraph is in addition to that contained in the first paragraph of this section.
Your duty to report other errors - In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error - such as an encoding error.
You agree that the time you have to examine your statement and report to us will depend on the circumstances.
However, such time period shall not exceed 60 days.
Failure to examine your statement and report any such errors to us within 60 days of when we first send or make the statement available precludes you from asserting a claim against us for any such errors on items identified in that statement and as between you and us the loss will be entirely yours.
Errors relating to electronic fund transfers or substitute checks - For information on errors relating to electronic fund transfers e.
For information on errors relating to a substitute check you received, refer to your disclosure entitled Substitute Checks and Your Rights.
ACCOUNT TRANSFER - This account may not be transferred or assigned without our prior written consent.
DIRECT DEPOSITS - If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the federal government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law.
We may also use any other legal remedy to recover the amount of our liability.
TEMPORARY ACCOUNT AGREEMENT - If this option is selected, this is a temporary account agreement.
Each person who signs to open the account or has authority to make withdrawals except as indicated to the contrary may transact business on this account.
However, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirements we have imposed within a reasonable time.
SETOFF - We may without prior notice and when permitted by law set off the funds in this account against any due and payable debt you owe us now or in the future, by any of you having the right of withdrawal, to the extent of such persons' or legal entity's right to withdraw.
If the debt arises from a note, "any due and payable debt" includes the total amount of which we are entitled to demand payment under the terms of the note at the time we set off, including any balance the due date for which we properly accelerate under the note.
This right of setoff does not apply to this account if prohibited by law.
For example, the right of setoff does not apply to this account if: a it is an Individual Retirement Account or similar tax-deferred account, or b the debt is created by a consumer credit transaction under a credit card plan but this does not affect our rights under any consensual security interestor c the debtor's right of withdrawal only arises in a representative capacity.
We will not be liable for the dishonor of any check when the dishonor occurs because we set off a debt against this account.
You agree to hold us harmless from any claim arising as a result of our exercise of our right of setoff.
click here Pennsylvania, AUTHORIZED SIGNER Individual Accounts only - A single individual is the owner.
The authorized signer is merely designated to conduct transactions on the owner's behalf.
The owner does not give up any rights to act on the account, and the authorized signer may not in any manner affect the rights of the owner or beneficiaries, if any, other than by withdrawing funds from the account.
The owner is responsible for any transactions of the authorized signer.
We undertake no obligation to monitor transactions to determine that they are on the owner's behalf.
The designation of an authorized signer does not create a power of attorney; therefore, the authorized signer is not subject to the provisions of 20 Pa.
Section 5601 et seq.
Chapter 56; Decedents, Estates and Fiduciaries Code.
The owner may terminate the authorization at any time, and the authorization is automatically terminated by the death of the owner.
However, we may continue to honor the transactions of the authorized signer until: a we have received written notice or have actual knowledge of the termination of authority, and b we have a reasonable opportunity to act on that notice or knowledge.
We may refuse to accept the designation of an authorized signer.
In Maryland, CONVENIENCE SIGNER Individual Accounts only - A single individual is the owner.
The convenience signer is merely designated to conduct transactions on the owner's behalf.
The owner does not give up any rights to act on the account, and the convenience signer may not in any manner affect the rights of the owner or beneficiaries, if any, other than by withdrawing funds from the account.
The owner is responsible for any transactions of the convenience signer.
We undertake no obligation to monitor transactions to determine that they are on the owner's behalf.
The owner may terminate the convenience signer's authorization at any time, and the authorization is automatically terminated by the death of the owner.
However, we may continue to honor the transactions of the convenience signer until: a we have received written notice or have actual knowledge of the termination of authority, and b we have a reasonable opportunity to act on that notice or knowledge.
We may refuse to accept the designation of a convenience signer.
RESTRICTIVE LEGENDS - The automated processing of the large volume of checks we receive prevents us from inspecting or looking for special instructions or "restrictive legends"on every check.
We are not responsible for any losses, claims, damages, or expenses that result from your placement of these or other special instructions on your checks.
PAYMENT ORDER OF ITEMS - The law permits us to pay items such as checks or drafts drawn on your account in any order.
To assist you in handling your account with us, we are providing you with the following information regarding how we process the items that you write.
When processing items drawn on your account, our policy is to pay them in numerical sequence.
Lower item numbers are paid first.
The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented.
There is no policy that is favorable in every instance.
If the smallest items are paid first, you may have fewer NSF or overdraft fees, but the largest, and perhaps more important items such as rent or mortgage payments might not be paid.
If an item is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item creating an overdraft or return the item NSF.
The amounts of the overdraft and NSF fees are disclosed elsewhere.
By paying items in numerical sequence, we think our policy attains a reasonable balance between minimizing additional cost to you and paying your more important items.
We encourage you to make careful records and practice good account management.
This will help you to avoid writing checks or drafts without sufficient funds and incurring the resulting fees.
FACSIMILE SIGNATURES - Unless you make advance arrangements with us, we have no obligation to honor facsimile signatures on your checks or other orders.
If we do agree to honor items containing facsimile signatures, you lakeside inn and casino address us, at any time, to charge you for all checks, drafts, or other orders, for the payment of money, that are drawn on us.
You give us this authority regardless of by whom or by what means the facsimile signature s may have been affixed so long as they resemble the facsimile signature specimen filed with us, and contain the required number of signatures for this purpose.
You must notify us at once if you suspect that your facsimile signature is being or has been misused.
CHECK PROCESSING - We process items mechanically by relying solely on the information encoded in magnetic ink along the bottom of the items.
This means that we do not individually examine best online game names ever of your items to determine if the item is properly completed, signed and indorsed or to determine if it contains any information other than what is encoded in magnetic ink.
You agree that we have not failed to exercise ordinary care solely because we use our automated system to process items and do not inspect all items processed in such a manner.
Using an automated process helps us keep costs down for you and all account holders.
CHECK CASHING - We may charge a fee for anyone that does not have an account with us who is cashing a check, draft or other instrument written on your account.
We may also require reasonable identification to cash such a check, draft or other instrument.
We can decide what identification is reasonable under the circumstances and such identification may be documentary or physical and may include collecting a thumbprint or fingerprint.
INDORSEMENTS - We may accept for deposit any item payable to you or your order, even if they are not indorsed by you.
We may give cash back to any one of you.
We may supply any missing indorsement s for any item we accept for deposit or collection, and you warrant that all indorsements are genuine.
To ensure that your check or share draft is processed without delay, you must indorse it sign it on the back in a specific area.
Your entire indorsement whether a signature or a stamp along with any other indorsement information e.
Indorsements must be made in blue or black ink, so that they are readable by automated check processing equipment.
As you look at the front of a check, the "trailing edge"is the left edge.
It is important that you confine the indorsement information to this area since the remaining blank space will be used by others in the processing of the check to place additional needed indorsements and information.
You agree that you will indemnify, defend, and hold us harmless for any loss, liability, damage or expense that occurs because your indorsement, another indorsement or information you have printed on the back of the check obscures our indorsement.
These indorsement guidelines apply to both personal and business checks.
DEATH OR INCOMPETENCE - You agree to notify us promptly if any person with a right to withdraw funds from your account s dies or becomes legally incompetent.
We may continue to honor your checks, items, and instructions until: a we know of your death or incompetence, and b we have had a reasonable opportunity to act on that knowledge.
You agree that we may pay or certify checks drawn on or before the date of death or legal incompetence for up to ten 10 days after your death or legal incompetence unless ordered to stop payment by someone claiming an interest in the account.
FIDUCIARY ACCOUNTS - Accounts may be opened by a person acting in a fiduciary capacity.
A fiduciary is someone who is appointed to act on behalf of and for the benefit of another.
This account may be opened and maintained by a person or persons click at this page as a trustee under a written trust agreement, or as executors, administrators, or conservators under court orders.
You understand that by merely opening such an account, we are not acting in the capacity of a trustee in connection with the trust nor do we undertake any obligation to monitor or enforce the terms of the trust or letters.
CREDIT VERIFICATION - You agree that we may verify credit and employment history by any necessary means, including preparation of a credit report by a credit reporting agency.
LEGAL ACTIONS AFFECTING YOUR ACCOUNT - If we are served with a subpoena, restraining order, writ of attachment or execution, levy, garnishment, search warrant, or similar order relating to your account will slotomania players on facebook opinion "legal action" in this sectionwe will comply with that legal action.
Or, in our discretion, we may freeze the assets in the account and not allow any payments out of the account until a final court determination regarding the legal action.
We may do these things even if the legal action involves less than all of you.
In these cases, we will not have any liability to you if there are insufficient funds to pay your items because we have withdrawn funds from your account or in any way restricted access to your funds in accordance with the legal action.
Any fees or expenses we incur in responding to any legal action including, without limitation, attorneys' fees and our internal expenses may be charged against your account.
The list of fees applicable to your account s provided elsewhere may specify additional fees that we may charge for certain legal actions.
SECURITY - It is your responsibility to protect the account numbers and electronic access devices e.
Do not discuss, compare, or share information about your account number s with anyone unless you are willing to give them full use of your money.
An account number can be used by thieves to encode your number on a false demand draft which looks like and functions like an authorized check.
If you furnish your access device and grant actual authority to make transfers to another person a family member or coworker, for example who then exceeds that authority, you are liable for the transfers unless we have been notified that transfers by that person are no longer authorized.
Your account number can also be used to electronically remove money from your account.
If you provide your account number in response to a telephone solicitation for the purpose of making a transfer to purchase a service or merchandise, for examplepayment can be made from your account even though you did not contact us directly and order the payment.
You must also take precaution in safeguarding your blank checks.
Notify us at once if you believe your checks have been lost or stolen.
As between you and us, if you are negligent in safeguarding your checks, you must bear the loss entirely yourself or share the loss with us we may have to share some of the loss if we failed to use ordinary care and if we substantially contributed to the loss.
You agree that if we offer you services appropriate for your account to help identify and limit fraud or other unauthorized transactions against your account, such as positive pay or commercially reasonable security procedures, and you reject those services, you will be responsible for any fraudulent or unauthorized transactions which could have been prevented by the services we offered, unless we acted in bad faith or to the extent our negligence contributed to the loss.
TELEPHONIC INSTRUCTIONS - Unless required by law or we have agreed otherwise in writing, we are not required to act upon instructions you give us via facsimile transmission or leave by voice mail or on a telephone answering machine.
CLAIM OF LOSS - If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in agree, railroad pass hotel and casino the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your account, the transaction, and the circumstances surrounding the loss.
You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals.
We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss.
Unless we have acted in bad faith, we will not be liable for special or consequential damages, including loss of profits or opportunity, or for attorneys' fees incurred by you.
You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss.
You will pursue your rights or, at our option, assign them to us so that we may pursue them.
Our liability will be reduced by the amount you recover or are entitled to recover from these other sources.
EARLY WITHDRAWAL PENALTIES and involuntary withdrawals - We may impose early withdrawal penalties on a withdrawal from a time account even if you don't initiate the withdrawal.
For instance, the early withdrawal penalty may be imposed if the withdrawal is caused by our setoff against funds in the account or as a result of an attachment or other legal process.
We may close your account and impose the early withdrawal penalty on the entire account balance in the event of a partial early withdrawal.
See your notice of penalty for early withdrawals for additional information.
ADDRESS OR NAME CHANGES - You are responsible for notifying us of any change in your address or your name.
Unless we agree otherwise, change of address or name must be made in writing by at least one of the account holders.
Informing us of your address or name change on a check reorder form is not sufficient.
We will attempt to communicate with you only by use of the most recent address you have provided to us.
If provided elsewhere, we may impose a service fee if we attempt to locate you.
RESOLVING ACCOUNT DISPUTES - We may place an administrative hold on the funds in your account refuse payment or withdrawal of the funds if it becomes subject to a claim adverse to 1 your own interest; 2 others claiming an interest as survivors or beneficiaries of your account; or 3 a claim arising by operation of law.
The hold may be placed for such period of time as we believe reasonably necessary to allow a legal proceeding to determine the merits of the claim or until we receive evidence satisfactory to us that the dispute has been resolved.
We will not be liable for any items that are dishonored as a consequence of placing a hold on funds in your account for these reasons.
WAIVER OF NOTICES - You waive any notice of non-payment, dishonor or protest regarding any items credited to or charged against your account.
ACH AND WIRE TRANSFERS - This agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers as adopted in the state in which you have your account with us.
If you originate a fund transfer and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment.
We may rely on the number even if it identifies a financial institution, person or account other than the one named.
You agree to be bound by automated clearing house association rules.
These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided here Article 4A-403 a of the Uniform Commercial Code.
If we do not receive such payment, we are entitled to a refund from you in the amount credited to your account and the party originating such payment will not be considered to have paid the amount so credited.
If we receive a payment order to credit an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit.
INTEREST CHECKING ACCOUNTS AND NON INTEREST CHECKING ACCOUNTS - This Account consists of a checking sub account and a savings sub account.
The Bank may periodically transfer funds between these two sub accounts.
On a sixth transfer during a calendar month, any funds in the savings sub account will be transferred back to the checking sub account.
If your Account is a Plan on which interest is paid, your interest calculation will remain the same.
Otherwise, the savings sub account will be non interest bearing.
The savings sub account will be governed by the rules governing our other savings accounts.
This process will not affect your available balance, the interest you may earn, FDIC insurance protection, or your monthly statement.
UNLAWFUL INTERNET GAMBLING NOTICE - Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship.
Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.
This notice does not mean that we will be reporting such information about you, only that we may report such information about customers that have not done what they are required to do under our agreement.
After providing this notice, additional negative information may be submitted without providing another notice.
We may report information about your account to credit bureaus.
Late payments, missed payments or other defaults on your account may be reflected in your credit report.
Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed.
You should keep this notice for future reference.
Electronic Fund Transfers Initiated By Third Parties.
You may authorize a third party to initiate electronic fund transfers between your account and the third party's account.
These transfers to make or receive payment may be one-time occurrences or may recur as directed by you.
These transfers may use the Automated Clearing House ACH or other payments network.
Your authorization to the third party to make these transfers can occur in a number of ways.
For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt.
In all cases, these third party transfers will require you to provide the third party with your account number and bank information.
This information can be found on your check as well as on a deposit or withdrawal slip.
Thus, you should only provide your bank and account information whether over the phone, the Internet, or via some other method to trusted third parties whom you have authorized to initiate these electronic fund transfers.
You may make arrangements for certain direct deposits to be accepted into your checking, savings, or money market account s.
You may make arrangements to pay certain recurring bills from your checking, statement savings, or money market savings account s.
You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills.
You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.
Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts.
Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM transfers.
If you effect a transaction with your MasterCard®-branded debit card in a currency other than US Dollars, MasterCard will convert the charge into a US Dollar amount.
The MasterCard currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by MasterCard.
The exchange rate MasterCard uses will be a rate in effect on the day the transaction is processed.
This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account.
Advisory Against Illegal Use.
You agree not to use your card s for illegal gambling or other illegal purpose.
Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.
Except as indicated elsewhere, we do not charge for these electronic fund transfers.
When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.
You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal.
If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, the person or company making the deposit will tell you every time they send us the money or you can call us at 814 443-9200 to find out whether or not the deposit has been made.
You will get a monthly account statement my deposits terms and conditions us for your checking accounts: You will get a monthly account statement from us for your savings or money market accounts, unless there are no transfers in a particular month.
In any case, you will get a statement at least quarterly.
If you have told us in advance to make regular payments out of your account, you can stop any of these payments.
Here is how: Call or write us at the telephone number or address listed in this brochure in time for us to receive your request 3 business days or more before the payment is scheduled to be made.
If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
Please refer to our separate fee schedule for the amount we will charge you for each stop payment order you give and for revocation of a preauthorized debit.
If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be.
You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.
If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
FINANCIAL INSTITUTION'S LIABILITY Liability for failure to make transfers.
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages.
However, there are some exceptions.
UNAUTHORIZED TRANSFERS a Consumer liability.
Telephoning is the best way of keeping your possible losses down.
You could lose all the money in your account plus your maximum overdraft line of credit.
Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once.
If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.
If a good reason such as a long trip or a hospital stay kept you from telling us, we will extend the time periods.
You will not be liable for any unauthorized transactions using your MasterCard®-branded debit card if: i you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and ii upon becoming aware of a loss or theft, you promptly report the loss or theft to us.
You should also call the number or write to the address listed in this brochure if you believe a transfer has been made using the information from your check without your permission.
ERROR RESOLUTION NOTICE In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement https://new-fit.ru/and/free-sun-and-moon-slot-machine-download.html receipt is wrong or if you need more information about a transfer listed on the statement or receipt.
We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days 20 business days if the transfer involved a new account after we hear from you and will correct any error promptly.
If we need more time, however, we may take up to 45 days 90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer to investigate your complaint or question.
If we decide to do this, we will credit your account within 10 business days 20 business days if by landforms erosion created deposition and transfer involved a new account for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.
If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.
Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.
We will tell you the results within three business days after completing our investigation.
If we decide that there was no error, we will send you a written explanation.
You may ask for copies of the documents that we used in our investigation.
SOMERSET TRUST COMPANY CUSTOMER SERVICE 151 WEST MAIN STREET, P.
Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit.
Electronic direct deposits will be available on the day we receive the deposit.
Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written.
Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays.
If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit.
However, if you make a deposit after closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
If you make a deposit at an ATM before 2:00 P.
However, if you make a deposit at an ATM after 2:00 P.
If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account.
Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.
LONGER DELAYS MAY APPLY Funds you deposit by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid.
You redeposit a check that has been returned unpaid.
You have overdrawn your account repeatedly in the last six months.
There is an emergency, such as failure of computer or communications equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available.
They will generally be available no later than the seventh business day after the day of your deposit.
SPECIAL RULES FOR NEW ACCOUNTS If you are a new customer, the following special rules will apply during the first 30 days your account is open.
Funds from electronic direct deposits to your account will be available on the day we receive the deposit.
For example, the checks must be payable to you and you may have to use a special deposit slip.
If your deposit of these checks other than a U.
Funds from all other check deposits will be available on the tenth business day after the day of your deposit.
The following Substitute Check Disclosure provides information about substitute checks and your rights.
So you will recognize substitute checks when you receive them, we have included a copy of the front side of a substitute check along with an explanation of the substitute check's components.
What is a substitute check?
To make check processing faster, federal law permits banks to replace original checks with "substitute checks.
The front of a substitute check states: "This is a legal copy of your check.
You can use it the same way you would use the original check.
Some or all of the checks that you receive back from us may be substitute checks.
This notice describes rights you have when you receive substitute checks from us.
The rights in this notice do not apply to original checks or to electronic debits to your account.
However, you have rights under other law with respect to those transactions.
What are my rights regarding substitute checks?
In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check.
The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal for example, bounced check fees.
The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less.
You also are entitled to interest on the amount of your refund if your account is an interest-bearing account.
If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.
We may reverse the refund including any interest on the refund if we later are able to demonstrate that the substitute check was correctly posted to your account.
How do I make a claim for a refund?
If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at: Somerset Trust Company 151 W.
Somerset, PA 15501 You must contact us within 60 calendar days of the date that we mailed or otherwise delivered by a means to which you agreed the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later.
casinos 18 up florida will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.
You can use it the same way you would use the original check.
It is also possible for the MICR line on the substitute check to begin with a "5"if the item is being returned.
The rest of the MICR line is the same as the original check to ensure that it is processed as though it were the original.
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