{"component": "clause", "props": {"groups": [{"snippet": "If you authorize a merchant to electronically debit your checking account using the routing, account, and serial number of your check to initiate the transfer, whether the check is blank, partially or fully completed and signed, such authorization is an electronic check conversion. An electronic check conversion is an electronic funds transfer (EFT) subject to the terms of the Electronic Funds Transfer Agreement. You authorize us to honor any electronic check conversion from your checking account.", "size": 231, "samples": [{"hash": "215FX9KKO8J", "uri": "/contracts/215FX9KKO8J#electronic-checks", "label": "Master Account Agreement", "score": 33.0536460876, "published": true}, {"hash": "bEUhcN0983N", "uri": "/contracts/bEUhcN0983N#electronic-checks", "label": "Master Account Agreement", "score": 32.5581817627, "published": true}, {"hash": "jyCdKiO7bS6", "uri": "/contracts/jyCdKiO7bS6#electronic-checks", "label": "Master Account Agreement", "score": 32.2877349854, "published": true}], "snippet_links": [{"key": "your-checking-account", "type": "clause", "offset": [52, 73]}, {"key": "number-of", "type": "clause", "offset": [113, 122]}, {"key": "the-transfer", "type": "clause", "offset": [146, 158]}, {"key": "electronic-check-conversion", "type": "clause", "offset": [254, 281]}, {"key": "electronic-funds-transfer-agreement", "type": "clause", "offset": [380, 415]}, {"key": "authorize-us-to", "type": "clause", "offset": [421, 436]}], "hash": "fc94bd91d005b25ef0df89bf3b66f098", "id": 1}, {"snippet": "Pursuant to Regulation CC, electronic checks may be treated the same as paper checks for check collection and processing purposes.", "size": 15, "samples": [{"hash": "aLPRCkT8Qnw", "uri": "/contracts/aLPRCkT8Qnw#electronic-checks", "label": "Account Agreements and Disclosures", "score": 29.2596530914, "published": true}, {"hash": "ezeXzOykhN6", "uri": "/contracts/ezeXzOykhN6#electronic-checks", "label": "Tax Favored Account Agreement", "score": 29.1309967041, "published": true}, {"hash": "kGM2Nt5V7FH", "uri": "/contracts/kGM2Nt5V7FH#electronic-checks", "label": "Deposit Account Agreement", "score": 28.5889987946, "published": true}], "snippet_links": [{"key": "regulation-cc", "type": "definition", "offset": [12, 25]}, {"key": "paper-checks", "type": "clause", "offset": [72, 84]}, {"key": "collection-and", "type": "clause", "offset": [95, 109]}, {"key": "processing-purposes", "type": "clause", "offset": [110, 129]}], "hash": "9addf2abc007ce4dce1d63d0bed56749", "id": 3}, {"snippet": "If you authorize a merchant to electronically debit your Checking account using the routing, account, and serial number of your check to initiate the transfer, whether the check is blank, partially or fully completed and", "size": 17, "samples": [{"hash": "dPLXa3zf0Qs", "uri": "/contracts/dPLXa3zf0Qs#electronic-checks", "label": "Master Account Agreement", "score": 32.0408172607, "published": true}, {"hash": "8ept32kOljq", "uri": "/contracts/8ept32kOljq#electronic-checks", "label": "Membership and Account Agreement", "score": 32.0408172607, "published": true}, {"hash": "5kFNb5aQOT3", "uri": "/contracts/5kFNb5aQOT3#electronic-checks", "label": "Master Account Agreement", "score": 32.0362205505, "published": true}], "snippet_links": [{"key": "your-checking-account", "type": "clause", "offset": [52, 73]}, {"key": "number-of", "type": "clause", "offset": [113, 122]}, {"key": "the-transfer", "type": "clause", "offset": [146, 158]}], "hash": "e4f4061b9dda095042e78912754a99dc", "id": 2}, {"snippet": "If you authorize a merchant to elec- tronically debit your share draft account using the routing, ac- count and serial number of your check to initiate the transfer, whether the check is blank, partially or fully completed and signed, such authorization is an electronic check conversion. An electronic check conversion is an electronic funds transfer (\u201cEFT\u201d) agreement subject to the terms in section III. ELEC-", "size": 10, "samples": [{"hash": "kLKNUsssNvM", "uri": "/contracts/kLKNUsssNvM#electronic-checks", "label": "Membership and Account Agreement", "score": 22.107460022, "published": true}, {"hash": "auJEPcMcNUk", "uri": "/contracts/auJEPcMcNUk#electronic-checks", "label": "Membership and Account Agreement", "score": 17.1711158752, "published": true}, {"hash": "fg4cEXGavRW", "uri": "/contracts/fg4cEXGavRW#electronic-checks", "label": "Membership and Account Agreement", "score": 17.1697463989, "published": true}], "snippet_links": [{"key": "share-draft-account", "type": "definition", "offset": [59, 78]}, {"key": "number-of", "type": "clause", "offset": [119, 128]}, {"key": "your-check", "type": "clause", "offset": [129, 139]}, {"key": "the-transfer", "type": "clause", "offset": [152, 164]}, {"key": "electronic-check-conversion", "type": "clause", "offset": [260, 287]}, {"key": "electronic-funds-transfer", "type": "clause", "offset": [326, 351]}, {"key": "subject-to-the-terms", "type": "clause", "offset": [370, 390]}, {"key": "section-iii", "type": "clause", "offset": [394, 405]}], "hash": "da5de1b79da69db2b3e4bd7b1c0d2730", "id": 4}, {"snippet": "If you authorize a merchant or provide account information to any other third party to enable them to initiate an electronic fund transfer from your account, your right to stop that payment is covered in your agreement with the Credit Union for electronic fund transfers. The stop payment rights disclosed here do not apply to those transactions.", "size": 5, "samples": [{"hash": "71mI3ABlf9F", "uri": "/contracts/71mI3ABlf9F#electronic-checks", "label": "Member Service Agreement", "score": 25.8692684174, "published": true}, {"hash": "hHzItNoPm5J", "uri": "/contracts/hHzItNoPm5J#electronic-checks", "label": "Member Service Agreement", "score": 25.0164279938, "published": true}, {"hash": "eI2V7foUaDP", "uri": "/contracts/eI2V7foUaDP#electronic-checks", "label": "Member Service Agreement", "score": 19.0, "published": true}], "snippet_links": [{"key": "account-information", "type": "clause", "offset": [39, 58]}, {"key": "other-third-party", "type": "definition", "offset": [66, 83]}, {"key": "an-electronic", "type": "clause", "offset": [111, 124]}, {"key": "transfer-from", "type": "clause", "offset": [130, 143]}, {"key": "your-account", "type": "definition", "offset": [144, 156]}, {"key": "right-to", "type": "definition", "offset": [163, 171]}, {"key": "your-agreement", "type": "definition", "offset": [204, 218]}, {"key": "the-credit-union", "type": "definition", "offset": [224, 240]}, {"key": "electronic-fund-transfers", "type": "definition", "offset": [245, 270]}, {"key": "stop-payment-rights", "type": "clause", "offset": [276, 295]}], "hash": "8d8c6e7cc8f4b9e4797313f0402858ff", "id": 5}, {"snippet": "An electronic Check is created when you authorize the conversion of your Check to an electronic item for processing. When you (or any person with proper authority) authorize any electronic Check, you agree (a) that we may pay Collection of Deposits: In handling deposits to your Account, we act only as your agent for collection and we assume no responsibility beyond the exercise of ordinary care. By signing the Signature Card or using any Account or service, you waive your rights to notice of non-payment, dishonor or protest regarding all items presented for collection. We have the right to refuse any order, transfer or deposit, limit the amount that may be offered for deposit and to return all or any part of a deposit. Special instructions for handling an item are effective only if made in writing and given to us separately along with the item in question. We will not be liable for any default or negligence of correspondents or for loss in transit and each correspondent will only be liable for its own negligence. We are authorized to pursue collection of previously dishonored items (including re- presentment), and in so doing we may permit the payor financial institution to hold an item beyond the midnight deadline. Items that we present or re-present may be truncated or converted to an electronic or other format. If an item is not paid, you are fully responsible for any loss we may incur in seeking to collect the item for you. Direct Deposits: If a direct deposit is made to an Account that should have been returned to the U.S. Government for any reason, you authorize us to deduct the amount of our liability to the U.S. Government from the Account or from any other Account you have with us, without prior notice and at any time, except as prohibited by Applicable Law. We may also use any other legal remedy to recover the amount of our liability.", "size": 4, "samples": [{"hash": "5cpBWwgLZGO", "uri": "/contracts/5cpBWwgLZGO#electronic-checks", "label": "Membership and Account Agreement", "score": 23.1806983948, "published": true}], "snippet_links": [{"key": "electronic-check", "type": "definition", "offset": [3, 19]}, {"key": "conversion-of", "type": "clause", "offset": [54, 67]}, {"key": "your-check", "type": "clause", "offset": [68, 78]}, {"key": "electronic-item", "type": "definition", "offset": [85, 100]}, {"key": "any-person", "type": "definition", "offset": [130, 140]}, {"key": "proper-authority", "type": "clause", "offset": [146, 162]}, {"key": "you-agree", "type": "clause", "offset": [196, 205]}, {"key": "collection-of-deposits", "type": "clause", "offset": [226, 248]}, {"key": "deposits-to-your-account", "type": "clause", "offset": [262, 286]}, {"key": "your-agent", "type": "definition", "offset": [303, 313]}, {"key": "collection-and", "type": "clause", "offset": [318, 332]}, {"key": "no-responsibility", "type": "clause", "offset": [343, 360]}, {"key": "exercise-of", "type": "clause", "offset": [372, 383]}, {"key": "ordinary-care", "type": "clause", "offset": [384, 397]}, {"key": "by-signing", "type": "clause", "offset": [399, 409]}, {"key": "signature-card", "type": "clause", "offset": [414, 428]}, {"key": "account-or-service", "type": "clause", "offset": [442, 460]}, {"key": "your-rights", "type": "clause", "offset": [472, 483]}, {"key": "notice-of-non", "type": "clause", "offset": [487, 500]}, {"key": "all-items", "type": "definition", "offset": [540, 549]}, {"key": "right-to-refuse", "type": "clause", "offset": [588, 603]}, {"key": "any-order", "type": "definition", "offset": [604, 613]}, {"key": "special-instructions", "type": "definition", "offset": [729, 749]}, {"key": "in-writing", "type": "clause", "offset": [798, 808]}, {"key": "loss-in-transit", "type": "clause", "offset": [946, 961]}, {"key": "dishonored-items", "type": "clause", "offset": [1082, 1098]}, {"key": "payor-financial-institution", "type": "definition", "offset": [1162, 1189]}, {"key": "responsible-for", "type": "clause", "offset": [1374, 1389]}, {"key": "any-loss", "type": "definition", "offset": [1390, 1398]}, {"key": "direct-deposits", "type": "definition", "offset": [1452, 1467]}, {"key": "the-us", "type": "clause", "offset": [1545, 1552]}, {"key": "for-any-reason", "type": "clause", "offset": [1565, 1579]}, {"key": "authorize-us-to", "type": "clause", "offset": [1585, 1600]}, {"key": "our-liability", "type": "definition", "offset": [1622, 1635]}, {"key": "the-account", "type": "clause", "offset": [1664, 1675]}, {"key": "other-account", "type": "clause", "offset": [1688, 1701]}, {"key": "without-prior-notice", "type": "clause", "offset": [1720, 1740]}, {"key": "at-any-time", "type": "clause", "offset": [1745, 1756]}, {"key": "applicable-law", "type": "clause", "offset": [1782, 1796]}, {"key": "legal-remedy", "type": "clause", "offset": [1824, 1836]}], "hash": "4465209d239d151515aa1c18bf8b6a0a", "id": 6}, {"snippet": "If you authorize a merchant to 2", "size": 2, "samples": [{"hash": "ibUHmfCdlOh", "uri": "/contracts/ibUHmfCdlOh#electronic-checks", "label": "Business Membership & Account Agreement", "score": 23.7227916718, "published": true}, {"hash": "dlRe11dpRAs", "uri": "/contracts/dlRe11dpRAs#electronic-checks", "label": "Business Membership & Account Agreement", "score": 23.4435310364, "published": true}], "snippet_links": [], "hash": "d92aae8674fcd46ae09bf6a3c9b224e3", "id": 7}, {"snippet": "We may pay and charge your applicable account for checks payable to any person, organization, association or corporation whom you have authorized by providing sample MICR encoded information identifying your account provided there are sufficient funds in your account to pay such checks. You agree that our rights in respect to such checks shall be the same as if it were a check drawn and signed by you personally. This authority shall remain in effect until revoked by you in writing (to us and to the agency to which the sample MICR writing was provided) and we have had a reasonable opportunity to act on it. You agree that we shall be fully protected in honoring such checks. You further agree that if any such check is dishonored, whether with or without cause, and whether intentional or inadvertent, we shall be under no liability whatsoever, even though such dishonor results in the forfeiture of insurance, loss or damage to you of any kind. If we have made a good faith payment to a holder, we may charge your account according to: a) the original terms of your check; or b) the terms of your completed check unless we have notice that any such completion is improper.", "size": 2, "samples": [{"hash": "4X6NIRjTnQy", "uri": "/contracts/4X6NIRjTnQy#electronic-checks", "label": "Account Agreement and Disclosure", "score": 21.5211162567, "published": true}, {"hash": "gnqxJpnFsG6", "uri": "/contracts/gnqxJpnFsG6#electronic-checks", "label": "Account Agreement", "score": 19.0, "published": true}], "snippet_links": [{"key": "applicable-account", "type": "definition", "offset": [27, 45]}, {"key": "payable-to", "type": "definition", "offset": [57, 67]}, {"key": "any-person", "type": "definition", "offset": [68, 78]}, {"key": "authorized-by", "type": "definition", "offset": [135, 148]}, {"key": "your-account", "type": "definition", "offset": [203, 215]}, {"key": "funds-in", "type": "definition", "offset": [246, 254]}, {"key": "to-pay", "type": "clause", "offset": [268, 274]}, {"key": "you-agree", "type": "clause", "offset": [288, 297]}, {"key": "our-rights", "type": "clause", "offset": [303, 313]}, {"key": "in-respect-to", "type": "clause", "offset": [314, 327]}, {"key": "signed-by-you", "type": "clause", "offset": [390, 403]}, {"key": "in-effect", "type": "clause", "offset": [444, 453]}, {"key": "in-writing", "type": "clause", "offset": [475, 485]}, {"key": "the-agency", "type": "clause", "offset": [500, 510]}, {"key": "to-act", "type": "definition", "offset": [599, 605]}, {"key": "with-or-without-cause", "type": "clause", "offset": [745, 766]}, {"key": "no-liability", "type": "definition", "offset": [826, 838]}, {"key": "loss-or-damage", "type": "clause", "offset": [917, 931]}, {"key": "a-holder", "type": "definition", "offset": [992, 1000]}, {"key": "according-to", "type": "definition", "offset": [1029, 1041]}, {"key": "terms-of", "type": "definition", "offset": [1059, 1067]}, {"key": "your-check", "type": "clause", "offset": [1068, 1078]}, {"key": "the-terms", "type": "definition", "offset": [1086, 1095]}, {"key": "completion-is", "type": "clause", "offset": [1156, 1169]}], "hash": "95c4773b1997786186c513ad2bd191ed", "id": 8}, {"snippet": "You may give a merchant information about your checking Account over the phone or over the Internet and authorize them to create an electronic withdrawal from your Account. Funds will normally be withdrawn from your Account the next Business Day. The transaction will appear in the \u201cOther Withdrawals/Debits\u201d section of your monthly Account statement. If the Account is used for personal, family or household purposes, then these transfers are governed by the Electronic Funds Transfer Act and Regulation E, and are also governed by the NACHA Operating Rules and Operating Guidelines and are also subject to the separate Frost Bank Electronic Funds Transfer Agreement and Disclosure.", "size": 2, "samples": [{"hash": "32l2b4jl3NM", "uri": "/contracts/32l2b4jl3NM#electronic-checks", "label": "Deposit Account Agreement", "score": 28.4812259674, "published": true}, {"hash": "dTrjNcPwgHR", "uri": "/contracts/dTrjNcPwgHR#electronic-checks", "label": "Deposit Account Agreement", "score": 28.3471851349, "published": true}], "snippet_links": [{"key": "merchant-information", "type": "definition", "offset": [15, 35]}, {"key": "your-checking-account", "type": "clause", "offset": [42, 63]}, {"key": "the-internet", "type": "clause", "offset": [87, 99]}, {"key": "an-electronic", "type": "clause", "offset": [129, 142]}, {"key": "your-account", "type": "definition", "offset": [159, 171]}, {"key": "next-business-day", "type": "definition", "offset": [228, 245]}, {"key": "the-transaction", "type": "clause", "offset": [247, 262]}, {"key": "other-withdrawals", "type": "clause", "offset": [283, 300]}, {"key": "monthly-account-statement", "type": "definition", "offset": [325, 350]}, {"key": "the-account", "type": "clause", "offset": [355, 366]}, {"key": "household-purposes", "type": "definition", "offset": [399, 417]}, {"key": "electronic-funds-transfer-act", "type": "definition", "offset": [460, 489]}, {"key": "regulation-e", "type": "clause", "offset": [494, 506]}, {"key": "nacha-operating-rules", "type": "definition", "offset": [537, 558]}, {"key": "operating-guidelines", "type": "clause", "offset": [563, 583]}, {"key": "subject-to-the", "type": "definition", "offset": [597, 611]}, {"key": "electronic-funds-transfer-agreement-and-disclosure", "type": "clause", "offset": [632, 682]}], "hash": "3693da1c991c087dc00115f74e0998fd", "id": 9}, {"snippet": "If you authorize a merchant to electronically debit your checking account using the routing, account, and serial number of your check to initiate the transfer, whether the check is blank, partially or fully completed and signed, such authorization is an electronic check conversion. An electronic check conversion is an electronic funds transfer (EFT) subject to the terms of the Electronic Funds Transfer Agreement. You authorize us to honor any electronic check conversion from your checking account. Electronic Re-presented Checks. If you write a check on an account that we return unpaid because of insufficient or uncollected funds, payee or any subsequent holder of the check may re-present the check to us, through an electronic instruction (\"Electronic Re-presented Check\") to charge your account for the amount of the check. If we receive an electronic re-presented check, we will pay or return the electronic re-presented check as if the original paper check was presented to us. Any collection fee you authorize the merchant to debit from your account is an electronic funds transfer subject to the terms of the Electronic Funds Transfer Agreement. If you want to reverse an electronic re-presented check, you must give us an affidavit within sixty (60) days after we send or make available to you the periodic statement that reflects payment of that electronic re- presented check. In your affidavit, you must declare and swear under oath that the electronic re-presented check was ineligible or unauthorized. If we receive a proper notice of affidavit from you within the sixty-day (60) period, we will credit your account for the amount of the charge, so that you will have the use of the money during the time it takes us to complete our investigation. If you wish to stop payment of any electronic re-presented check, you must follow the procedures for stopping payment of checks.", "size": 2, "samples": [{"hash": "l9x8tgakDOQ", "uri": "/contracts/l9x8tgakDOQ#electronic-checks", "label": "Master Account Agreement", "score": 23.0150585175, "published": true}], "snippet_links": [{"key": "your-checking-account", "type": "clause", "offset": [52, 73]}, {"key": "number-of", "type": "clause", "offset": [113, 122]}, {"key": "the-transfer", "type": "clause", "offset": [146, 158]}, {"key": "electronic-check-conversion", "type": "clause", "offset": [254, 281]}, {"key": "electronic-funds-transfer-agreement", "type": "clause", "offset": [380, 415]}, {"key": "authorize-us-to", "type": "clause", "offset": [421, 436]}, {"key": "uncollected-funds", "type": "clause", "offset": [619, 636]}, {"key": "subsequent-holder", "type": "definition", "offset": [651, 668]}, {"key": "electronic-instruction", "type": "definition", "offset": [725, 747]}, {"key": "presented-check", "type": "definition", "offset": [764, 779]}, {"key": "to-charge", "type": "clause", "offset": [782, 791]}, {"key": "account-for-the", "type": "clause", "offset": [797, 812]}, {"key": "we-will-pay", "type": "clause", "offset": [882, 893]}, {"key": "paper-check", "type": "definition", "offset": [957, 968]}, {"key": "presented-to", "type": "definition", "offset": [973, 985]}, {"key": "collection-fee", "type": "definition", "offset": [994, 1008]}, {"key": "the-merchant", "type": "clause", "offset": [1023, 1035]}, {"key": "transfer-subject", "type": "clause", "offset": [1086, 1102]}, {"key": "an-affidavit", "type": "clause", "offset": [1234, 1246]}, {"key": "days-after", "type": "definition", "offset": [1265, 1275]}, {"key": "available-to", "type": "definition", "offset": [1292, 1304]}, {"key": "periodic-statement", "type": "clause", "offset": [1313, 1331]}, {"key": "notice-of", "type": "definition", "offset": [1545, 1554]}, {"key": "the-charge", "type": "clause", "offset": [1654, 1664]}, {"key": "stop-payment", "type": "clause", "offset": [1783, 1795]}, {"key": "the-procedures", "type": "definition", "offset": [1850, 1864]}, {"key": "payment-of-checks", "type": "clause", "offset": [1878, 1895]}], "hash": "9c057b438cb368d64811b75fdcb99af6", "id": 10}], "next_curs": "CloSVGoVc35sYXdpbnNpZGVyY29udHJhY3RzcjYLEhZDbGF1c2VTbmlwcGV0R3JvdXBfdjU2IhplbGVjdHJvbmljLWNoZWNrcyMwMDAwMDAwYQyiAQJlbhgAIAA=", "clause": {"title": "Electronic Checks", "size": 299, "children": [["", ""], ["privacy-compliance", "Privacy Compliance"], ["privacy-policy-may-be-combined-with-or-in-other-documents", "Privacy Policy May Be Combined With or In Other Documents"], ["validity-and-enforcement", "Validity and Enforcement"], ["acceptance-of-arbitration-and-class-action-waiver", "Acceptance of Arbitration and Class Action Waiver"]], "parents": [["electronic-check-transactions", "Electronic Check Transactions"], ["account-access", "Account Access"], ["membership-and-accounts", "Membership and Accounts"], ["electronic-check-conversions", "Electronic Check Conversions"], ["general-membership-and-accounts", "General Membership and Accounts"]], "id": "electronic-checks", "related": [["electronic-copies", "Electronic Copies", "Electronic Copies"], ["electronic-check-transactions", "Electronic Check Transactions", "Electronic Check Transactions"], ["electronic-copy", "Electronic Copy", "Electronic Copy"], ["electronic-contracting", "ELECTRONIC CONTRACTING", "ELECTRONIC CONTRACTING"], ["electronic-chattel-paper", "Electronic Chattel Paper", "Electronic Chattel Paper"]], "related_snippets": [], "updated": "2025-07-24T04:27:57+00:00", "also_ask": ["What key terms must be included to ensure enforceability of electronic check provisions?", "How can parties allocate liability for unauthorized or fraudulent electronic checks?", "What are the most common negotiation points regarding timing and processing of electronic checks?", "How do electronic check clauses compare to traditional check or ACH payment clauses in terms of legal risk?", "What are the main legal standards courts use to determine the validity of electronic check agreements?"], "drafting_tip": "Specify acceptable electronic check formats to prevent disputes, require authentication measures to reduce fraud risk, and outline processing timelines to ensure timely payments.", "explanation": "The Electronic Checks clause establishes the terms under which payments can be made using electronic check methods rather than traditional paper checks. Typically, this clause outlines the procedures for initiating, processing, and verifying electronic check transactions, and may specify the acceptable platforms or systems for such payments. By defining these parameters, the clause facilitates faster, more efficient payment processing and reduces the administrative burden and delays associated with handling physical checks."}, "json": true, "cursor": ""}}