Check Presentment. Your Account may be debited on the day an item is presented by electronic or other means, or at an earlier time based on notification received by us that an item drawn on your account has been deposited for collection in another financial institution. A determination of your account balance for purposes of making a decision to pay or return an item or debit due to insufficiency of available funds may be made at any time between the receipt of such presentment or notice and the time of payment or return of the item or debit, and no more than one such determination need be made.
Check Presentment. Your Account may be debited on the day an item is presented by electronic or other means, or at an earlier time based on notification received by us that an item drawn on your account has been deposited for collection in another financial institution. A determination of your account balance for purposes of making a decision to pay or return an item or debit due to insufficiency of available funds may be made at any time between the receipt of such presentment or notice and the time of payment or return of the item or debit, and no more than one such determination need be made. FACSIMILE SIGNATURES If you choose to use facsimile signatures, you agree that
Check Presentment. The decision to pay checks drawn on your account, or to return them unpaid, is made on the day that the check is presented to us, or earlier if we receive electronic notification that a check you have drawn on your account with us has been deposited for collection in another financial institution. Our decision to pay or return your check is based on funds available in your account and other factors (such as Withdrawal Limits on Interest-Bearing accounts and Overdrafts, each as is discussed in greater detail elsewhere in this Agreement). We may determine your account balance for the purpose of deciding to pay or return your check at any time between the receipt of such presentment and the return of the item. No more than one such determination need be made. Your check may be presented to us as an electronic withdrawal. This may occur if (a) the holder of your check converts it into an electronic funds transfer or (b) if your check is returned by us, the holder may re-present it as an electronic funds transfer and charge a fee for the return. Your authorization of these electronic funds transfers may be in express form, or may be implied from posting a sign or delivery of a notice indicating the intent of the recipient of the check to present it electronically. It is the responsibility of the holder of the check, and is not our responsibility, to provide you with proper notice and to receive your authorization in these cases.
