Instapay. If your Bank Account has insufficient funds on the scheduled pay date to repay an Instapay in full, then we will be unable to debit your account to repay any portion of the Instapay on that pay date. Under these circumstances, we will attempt to debit your Bank Account a second time on or within two days before your next pay date. You acknowledge that this second attempt to debit your Bank Account does not constitute debt collection activities. If you still have insufficient funds to repay the Instapay on the second attempted debit, then we will no longer seek to debit your Bank Account, and you will not have to repay the Instapay if you do not wish to, pursuant to Section 6.4.4 of this Agreement; however, you will not be able to obtain any more Instapays until you repay the unrecouped Instapay.
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Sources: User Agreement, User Agreement