Common use of DEPOSIT OF ITEMS Clause in Contracts

DEPOSIT OF ITEMS. You may make deposits in person, by mail or by any other method the Bank makes available, such as its automated teller machines. You are encouraged to use your personalized deposit slips in order to help the Bank credit deposits to your account as soon as possible. The Bank is not responsible for deposits made by mail or through a depository not staffed by the Bank’s personnel until the Bank actually receives them. If you fail to endorse an item that you submit for deposit, the Bank has the right, but is not obligated, to supply the missing endorsement. The Bank may require that certain government checks, insurance company items or other special types of checks are personally endorsed by each of the payees. You agree to reimburse the Bank for any loss or expense it incurs because you fail to endorse an item exactly as it is drawn. If the Bank receives an item on a weekend, holiday or after the Bank’s cutoff hour on a business day, the item is deemed to have been received on the Bank’s next business day. The Bank’s business days and cutoff hours are posted at the Bank’s offices and are subject to change from time to time at the Bank’s discretion. You may arrange to have certain deposits made directly to your account. These types of deposits include social security or other U.S. government payments or payroll payments. You agree that the Bank may withdraw and reverse directly deposited amounts that have been deposited in error. If you do not have sufficient currently available funds in your account to correct a deposit error, you agree that you will pay us back and that the Bank has the right to make withdrawals from future funds to correct the error. For joint accounts, each depositor agrees to return such funds no matter which of the depositors used or obtained funds. These provisions will also bind your executor or other legal representative. The Bank will only accept direct deposits that are properly presented through the Automated Clearing House System or that are properly presented by a third party with whom the Bank has an agreement.

DEPOSIT OF ITEMS. You may make deposits in person, by mail or by any other method the Bank makes available, such as its automated teller machines. You are encouraged to use your personalized deposit slips in order to help the Bank credit deposits to your account as soon as possible. It’s your responsibility, not ours, to confirm the accuracy of the amount you deposit. If we determine a discrepancy exists between the declared and the actual amount, we may debit or credit your account and we may notify you if any adjustments are made. We can also use the declared amount as the correct amount to be deposited and not adjust a discrepancy if it’s less than our standard adjustment amount. We may vary our standard adjustment amount from time to time without notice and use different amounts depending on account type. The Bank is not responsible for deposits made by mail or through a depository not staffed by the Bank’s personnel until the Bank actually receives them. If you fail to endorse an item that you submit for deposit, the Bank has the right, but is not obligated, to supply the missing endorsement. The Bank may require that certain government checks, insurance company items or other special types of checks are personally endorsed by each of the payees. You agree to reimburse the Bank for any loss or expense it incurs because you fail to endorse an item exactly as it is drawn. If the Bank receives an item on a weekend, holiday or after the Bank’s cutoff hour on a business day, the item is deemed to have been received on the Bank’s next business day. The Bank’s business days and cutoff hours are posted at the Bank’s offices and are subject to change from time to time at the Bank’s discretion. You may arrange to have certain deposits made directly to your account. These types of deposits include social security or other U.S. government payments or payroll payments. You agree that the Bank may withdraw and reverse directly deposited amounts that have been deposited in error. If you do not have sufficient currently available funds in your account to correct a deposit error, you agree that you will pay us back and that the Bank has the right to make withdrawals from future funds to correct the error. For joint accounts, each depositor agrees to return such funds no matter which of the depositors used or obtained funds. These provisions will also bind your executor or other legal representative. The Bank will only accept direct deposits that are properly presented through the Automated Clearing House System or that are properly presented by a third party with whom the Bank has an agreement.

DEPOSIT OF ITEMS. You may make deposits in person, by mail or by any other method the Bank makes available, such as its automated teller machines. You are encouraged to use your personalized deposit slips in order to help the Bank credit deposits to your account as soon as possible. The Bank is not responsible responsible, however, for deposits made by mail or through a depository not staffed by the Bank’s personnel until the Bank actually receives them. The Bank will not be construed to have received deposits sent by mail until it has received actual delivery from the U.S. Post Office. The Bank may refuse to accept particular checks or similar instruments as a deposit to your account at its discretion. The terms of the Bank’s Funds Availability Policy will control the determination of the business day deposits are deemed received by the Bank and when they will be available for withdrawal. If any check or similar instrument you fail to endorse an item that you submit for depositdeposit is returned unpaid, the Bank has the rightright to debit your account for the amount of such item and for the fee set forth in the current Service Fee Schedule. You will, but in any event, be liable to the Bank for the amount of any check or similar instrument you deposit to your account that is not obligatedreturned unpaid, to supply plus the missing endorsementBank’s costs and expenses associated with the collection of all or any part of such amount from you, including reasonable attorney’s fees. The Bank may also require that certain government checks, insurance company items or other special types of checks are be personally endorsed by each of the payees. You agree to reimburse the Bank for any loss or expense it incurs because you fail to endorse an item exactly as it is drawn. If You agree to be liable to and indemnify the Bank receives an item on a weekendfor any loss, holiday costs or after expenses, including reasonable attorneys’ fees to the Bank’s cutoff hour on a business dayextent permitted by law, the item is deemed to have been received on the Bank’s next business day. The Bank’s business days and cutoff hours are posted at the Bank’s offices and are subject to change from time to time at the Bank’s discretion. You may arrange to have certain deposits made directly to your account. These types of deposits include social security or other U.S. government payments or payroll payments. You agree that the Bank may withdraw and reverse directly incurs as a result of your or your nonbank agent’s creation of a “substitute check” that is subsequently deposited amounts that have been deposited in error. If you do not have sufficient currently available funds in your account at or otherwise presented to correct a deposit error, you agree that you will pay us back and that the Bank has the right to make withdrawals from future funds to correct the error. For joint accounts, each depositor agrees to return such funds no matter which of the depositors used or obtained funds. These provisions will also bind your executor or other legal representative. The Bank will only accept direct deposits that are properly presented through the Automated Clearing House System or that are properly presented by a third party with whom the Bank has an agreementBank.