Common use of Account-to-Account Transfer Overdraft Protection Clause in Contracts

Account-to-Account Transfer Overdraft Protection. The Account-to-Account Transfer Overdraft Protection service is subject to separate terms and conditions we provide to you, including minimum advance requirements. If you enroll in our Account-to-Account Transfer Overdraft Protection service and designate another checking or savings account that you maintain with us (your “Funding Account”) to cover overdrafts in your account (your “Paying Account”), the maximum dollar amount of overdraft coverage available to your Paying Account will be the available balance in your Funding Account after all other debits to, and items to be paid from, your Funding Account have been paid. Transfers from your Funding Account to cover your Paying Account overdrafts are subject to a service fee (as specified in our Schedule of Service Fees and Charges), and may reduce balances or increase withdrawals that may result in you exceeding the transaction limitations established for the Funding Account. If we transfer funds from your Funding Account to cover a Paying Account overdraft, then our service fee for Account-to-Account Transfer Overdraft Protection service will be charged and debited to your Funding Account. Regardless of your enrollment in Account-to-Account Transfer Overdraft Protection, we do not include the available balance of your Funding Account in determining whether to authorize your request for an ATM cash withdrawal or other debit card transaction from your Paying Account. For more information about this service please see your Account-to-Account Transfer Overdraft Protection Service Disclosure and Authorization or contact a Retail Branch Associate.

Account-to-Account Transfer Overdraft Protection. The Account-to-Account Transfer Overdraft Protection service is subject to separate terms and conditions we provide to you, including minimum advance requirements. If you enroll in our Account-to-Account Transfer Overdraft Protection service and designate another checking or savings account that you maintain with us (your “Funding Account”) to cover overdrafts in your account (your “Paying Account”), the maximum dollar amount of overdraft coverage available to your Paying Account will be the available balance in your Funding Account after all other debits to, and items to be paid from, your Funding Account have been paid. Transfers from your Funding Account to cover your Paying Account overdrafts using the Account-to-Account Transfer Overdraft Protection service are subject to a service fee (as specified in our Schedule of Service Fees and Charges), and may reduce balances or increase withdrawals that may result sufficiently to create additional service charges and/or fees in you exceeding the transaction limitations established for the your Funding Account. If we transfer funds from your Funding Account to cover a Paying Account overdraft, then our service fee for Account-to-Account Transfer Overdraft Protection service will be charged and debited to your Funding Account. The Account-to-Account Transfer Overdraft Protection service also is subject to separate terms and conditions we provide to you, including minimum advance requirements. Regardless of your enrollment in Account-to-Account Transfer Overdraft Protection, we do not include the available balance of your Funding Account in determining whether to authorize your request for an ATM cash withdrawal or other debit card transaction from your Paying Account. For more information about this service please see your If you are enrolled in our Account-to-Account Transfer Overdraft Protection service and there is insufficient overdraft coverage available under that service to cover the amount of an overdraft, then we have the right to either (i) decline to pay the item that would create the overdraft and return it unpaid or (ii) pay the item by transferring any funds available in your Funding Account to your Paying Account and creating an overdraft. If we decline to pay the item, we will assess and debit an insufficient funds charge (as specified in our Schedule of Service Disclosure Fees and Authorization or contact Charges) against your account unless the item is a Retail Branch Associate.“one-time” (“everyday”) debit card transaction. If we elect to pay the item, (a) the transfer of available funds from your Funding Account will be subject to a service fee (as specified in our Schedule of Service Fees and Charges) and

Account-to-Account Transfer Overdraft Protection. The Account-to-Account Transfer Overdraft Protection service is subject to separate terms and conditions we provide to you, including minimum advance requirements. If you enroll in our Account-to-Account Transfer Overdraft Protection service and designate another checking or savings account that you maintain with us (your “Funding Account”) to cover overdrafts in your account (your “Paying Account”), the maximum dollar amount of overdraft coverage available to your Paying Account will be the available balance in your Funding Account after all other debits to, and items to be paid from, your Funding Account have been paid. Transfers from your Funding Account to cover your Paying Account overdrafts using the Account-to-Account Transfer Overdraft Protection service are subject to a service fee (as specified in our Schedule of Service Fees and Charges), and may reduce balances or increase withdrawals that may result sufficiently to create additional service charges and/or fees in you exceeding the transaction limitations established for the your Funding Account. If we transfer funds from your Funding Account to cover a Paying Account overdraft, then our service fee for Account-to-Account Transfer Overdraft Protection service will be charged and debited to your Funding Account. The Account-to-Account Transfer Overdraft Protection service also is subject to separate terms and conditions we provide to you, including minimum advance requirements. Regardless of your enrollment in Account-to-Account Transfer Overdraft Protection, we do not include the available balance of your Funding Account in determining whether to authorize your request for an ATM cash withdrawal or other debit card transaction from your Paying Account. For more information about this service please see your If you are enrolled in our Account-to-Account Transfer Overdraft Protection service and there is insufficient overdraft coverage available under that service to cover the amount of an overdraft, then we have the right to either (i) decline to pay the item that would create the overdraft and return it unpaid or (ii) pay the item by transferring any funds available in your Funding Account to your Paying Account and creating an overdraft. If we decline to pay the item, we will assess and debit an insufficient funds charge (as specified in our Schedule of Service Disclosure Fees and Charges) against your account unless the item is a “one-time” (“everyday”) debit card transaction. If we elect to pay the item, (a) the transfer of available funds from your Funding Account will be subject to a service fee (as specified in our Schedule of Service Fees and Charges) and (b) we will also assess and debit an overdraft charge (as specified in our Schedule of Service Fees and Charges) against your account unless the item creating the overdraft is a “one-time” (“everyday”) debit card transaction and you have not enrolled in our Debit Card Overdraft Authorization and Enrollment. In addition to all of the rights we have under the Agreement, under any of the separate terms and conditions governing any Overdraft Protection service, or contact at law or in equity, we reserve the right to terminate your Overdraft Protection service if we, in our sole discretion, determine that there is a Retail Branch Associateconsistent pattern of withdrawal and other debit transactions in your account that exceed the overdraft coverage available under the Overdraft Protection service in which you have enrolled.

Account-to-Account Transfer Overdraft Protection. The Account-to-Account Transfer Overdraft Protection service is subject to separate terms and conditions we provide to you, including minimum advance requirements. If you enroll in our Account-to-Account Transfer Overdraft Protection service and designate another checking or savings account that you maintain with us (your “Funding Account”) to cover overdrafts in your account (your “Paying Account”), the maximum dollar amount of overdraft coverage available to your Paying Account will be the available balance in your Funding Account after all other debits to, and items to be paid from, your Funding Account have been paid. Transfers from your Funding Account to cover your Paying Account overdrafts using the Account-to-Account Transfer Overdraft Protection service are subject to a service fee (as specified specified in our Schedule of Service Fees and Charges), and may reduce balances or increase withdrawals that may result sufficiently to create additional service charges and/or fees in you exceeding the transaction limitations established for the your Funding Account. If we transfer funds from your Funding Account to cover a Paying Account overdraft, then our service fee for Account-to-Account Transfer Overdraft Protection service will be charged and debited to your Funding Account. The Account-to-Account Transfer Overdraft Protection service also is subject to separate terms and conditions we provide to you, including minimum advance requirements. Regardless of your enrollment in Account-to-Account Transfer Overdraft Protection, we do not include the available balance of your Funding Account in determining whether to authorize your request for an ATM cash withdrawal or other debit card transaction from your Paying Account. For more information about this service please see your If you are enrolled in our Account-to-Account Transfer Overdraft Protection service and there is insufficient overdraft coverage available under that service to cover the amount of an overdraft, then we have the right to either (i) decline to pay the item that would create the overdraft and return it unpaid or (ii) pay the item by transferring any funds available in your Funding Account to your Paying Account and creating an overdraft. If we decline to pay the item, we will assess and debit an insufficient funds charge (as specified in our Schedule of Service Disclosure Fees and Charges) against your account unless the item is a “one-time” (“everyday”) debit card transaction. If we elect to pay the item, (a) the transfer of available funds from your Funding Account will be subject to a service fee (as specified in our Schedule of Service Fees and Charges) and (b) we will also assess and debit an overdraft charge (as specified in our Schedule of Service Fees and Charges) against your account unless the item creating the overdraft is a “one-time” (“everyday”) debit card transaction and you have not enrolled in our Debit Card Overdraft Authorization and Enrollment. In addition to all of the rights we have under this Agreement, under any of the separate terms and conditions governing any Overdraft Protection service, or contact at law or in equity, we reserve the right to terminate your Overdraft Protection service if we, in our sole discretion, determine that there is a Retail Branch Associateconsistent pattern of withdrawal and other debit transactions in your account that exceed the overdraft coverage available under the Overdraft Protection service in which you have enrolled.