Deposit Requirements.Funds may be deposited to any account in any manner approved by WECU, in accordance with the requirements set forth on the Fee Schedule. All accounts are non-assignable andnonnegotiable to third parties. You agree not to deposit any substitute check or similar item that you have created, or for which no financial institution has provided anysubstitute warranties and indemnity. If you do so, you agree to indemnify WECU for all losses we incur in connection with the substitute check or item. You agree not to deposit any substitute check without our consent. Term Savings Certificates accounts are governed by the terms of this Agreement and the Terms Savings Certificate Receipt and dividend transfer election form, if applicable, for each account, which is incorporated herein by this reference.If your account is not funded within the first 30 days of account opening, the account will be closed without prior notice.