Common use of Negative Balance Clause in Contracts

Negative Balance. If your account has a negative balance for any reason, you agree to pay the amount of the negative balance without notice or demand from us. You also agree to reimburse us for any costs we incur in collecting the amount of any negative balance, including reasonable attorneys’ fees and the costs of litigation. For joint accounts, each owner agrees that all of the owners are jointly and severally liable for all negative balances. Each owner also agrees that we may debit funds from any other account held by each owner to repay any negative balance. Account services may be restricted and your account may be closed due to account mismanagement causing excessive negative balances. Checks and Other Withdrawals We may require you to withdraw funds from your account upon notice. We may refuse any check or other item or withdrawal request if it is not made in a manner specifically authorized for your type of account. We utilize automated collection and processing procedures which rely primarily on information encoded onto each item, whether or not that information is consistent with other information on the item. You agree that LGFCU does not fail to exercise ordinary care in paying an item solely because our automated procedures do not provide for sight-review. Stale and Post-Dated Items Stale-Dated Items: We maintain the option, at our discretion, to either pay or dishonor any stale-dated item (that is, a check presented more than six months after the date of the check) upon presentation to LGFCU. We may pay the item, at our discretion, unless a stop payment order issued by the account holder was in effect. Post-Dated Items: You agree that we will not be liable to you for charging your account before the indicated date on a properly payable but post-dated item unless you give us prior notice that you have issued a post-dated item and you would like to issue a stop payment order for the item. Stopping Payment on Checks You may request a stop payment order on any check drawn on your account. If the account is a joint account, any joint owner can stop payment of any item drawn on the account. To request a stop payment order, please contact your local branch, call 000.000.0000, log on to Member Connect at xxxxx.xxx, or you may send a written request to P.O. Box 29606, Raleigh, NC 27626. The stop payment order must describe the check with reasonable certainty (for example, the payee, account number, check number, and exact amount of the check), and we must receive your order in time to act on it. LGFCU will not be responsible for failing to stop payment of a check if you provide us with untimely, incorrect or incomplete information. Stop payment orders on checks remain in effect for 12 months. We may pay a check once the stop payment order expires. In order for the stop payment to continue for another 12 months, you must complete a new stop payment order. If you want the stop payment order to expire in less than 12 months, you may provide us written notice requesting to cancel the stop payment order. The cancellation request will not be effective until we receive the request and have a reasonable opportunity to act on it. Fees for stop payment orders are set forth in the included Service Fees and Terms chart. Cashier’s Checks We may issue cashier’s checks payable to you or a third party at your direction. Because cashier’s checks are guaranteed funds, you may not cancel or put a stop payment on a cashier’s check once it is issued. However, if the check becomes lost, stolen or destroyed, we may replace the check according to the following procedures, subject to applicable law. If you are the remitter or payee on a cashier’s check that we issued which has been lost, stolen or destroyed, you can make a claim with us for reissuance of the check. We may require you to sign a declaration of loss and indemnification agreement. We may delay reissuing the check for a period of time as permitted by law. There are some instances where we are legally required to pay a cashier’s check that was reported lost, stolen or destroyed even though a claim was made and we reissued the check. If we reissue a cashier’s check to you, and the original cashier’s check is presented for payment under circumstances where we are legally required to pay it, you agree to immediately pay us the amount of the reissued check. Account Balance and Posting Order Account Balance: One or more of the following account balances is available to you for review online, by calling 888.732-8562 or by visiting your local branch. Current Balance information is available via ATM.

Negative Balance. If your account has a negative balance for any reason, you agree to pay the amount of the negative balance without notice or demand from us. You also agree to reimburse us for any costs we incur in collecting the amount of any negative balance, including reasonable attorneys’ fees and the costs of litigation. For joint accounts, each owner agrees that all of the owners are jointly and severally liable for all negative balances. Each owner also agrees that we may debit funds from any other account held by each owner to repay any negative balance. Account services may be restricted and your account may be closed due to account mismanagement causing excessive negative balances. Checks and Other Withdrawals We may require you to withdraw funds from your account upon notice. We may refuse any check or other item or withdrawal request if it is not made in a manner specifically authorized for your type of account. We utilize automated collection and processing procedures which rely primarily on information encoded onto each item, whether or not that information is consistent with other information on the item. You agree that LGFCU does not fail to exercise ordinary care in paying an item solely because our automated procedures do not provide for sight-review. Stale and Post-Dated Items Stale-Dated Items: We maintain the option, at our discretion, to either pay or dishonor any stale-dated item (that is, a check presented more than six months after the date of the check) upon presentation to LGFCU. We may pay the item, at our discretion, unless a stop payment order issued by the account holder was in effect. Post-Dated Items: You agree that we will not be liable to you for charging your account before the indicated date on a properly payable but post-dated item unless you give us prior notice that you have issued a post-dated item and you would like to issue a stop payment order for the item. Stopping Payment on Checks You may request a stop payment order on any check drawn on your account. If the account is a joint account, any joint owner can stop payment of any item drawn on the account. If you want to stop payment on a check, you must act promptly to ensure we receive your request before the check is paid. As a result of advances in the check collection process, including the electronic exchange of check information, your checks may be presented for payment against your account much more quickly than in the past. To request a stop payment order, please contact your local branch, call 000.000.0000, log on to Member Connect at xxxxx.xxx, or you may send a written request to P.O. Box 29606, Raleigh, NC 27626. The stop payment order must describe the check with reasonable certainty (for example, the payee, account number, check number, and exact amount of the check), and we must receive your order in time to act on it. LGFCU will not be responsible for failing to stop payment of a check if you provide us with untimely, incorrect or incomplete information. Stop payment orders on checks remain in effect for 12 months. We may pay a check once the stop payment order expires. In order for the stop payment to continue for another 12 months, you must complete a new stop payment order. If you want the stop payment order to expire in less than 12 months, you may provide us written notice requesting to cancel the stop payment order. The cancellation request will not be effective until we receive the request and have a reasonable opportunity to act on it. Fees for stop payment orders are set forth in the included Service Fees and Terms chart. Cashier’s Checks We may issue cashier’s checks payable to you or a third party at your direction. Because cashier’s checks are guaranteed funds, you may not cancel or put a stop payment on a cashier’s check once it is issued. However, if the check becomes lost, stolen or destroyed, we may replace the check according to the following procedures, subject to applicable law. If you are the remitter or payee on a cashier’s check that we issued which has been lost, stolen or destroyed, you can make a claim with us for reissuance of the check. We may require you to sign a declaration of loss and indemnification agreement. We may delay reissuing the check for a period of time as permitted by law. There are some instances where we are legally required to pay a cashier’s check that was reported lost, stolen or destroyed even though a claim was made and we reissued the check. If we reissue a cashier’s check to you, and the original cashier’s check is presented for payment under circumstances where we are legally required to pay it, you agree to immediately pay us the amount of the reissued check. Account Balance and Posting Order Account Balance: One or more of the following account balances is available to you for review online, by calling 888.732-8562 or by visiting your local branch. Current Balance information is available via ATM.  Beginning Balance: The balance in your account after nightly processing.

Negative Balance. If your account has a negative balance for any reason, you agree to pay the amount of the negative balance without notice or demand from us. You also agree to reimburse us for any costs we incur in collecting the amount of any negative balance, including reasonable attorneys’ fees and the costs of litigation. For joint accounts, each owner agrees that all of the owners are jointly and severally liable for all negative balances. Each owner also agrees that we may debit funds from any other account held by each owner to repay any negative balance. Account services may be restricted and your account may be closed due to account mismanagement causing excessive negative balances. Checks and Other Withdrawals We may require you to withdraw funds from your account upon notice. We may refuse any check or other item or withdrawal request if it is not made in a manner specifically authorized for your type of account. We utilize automated collection and processing procedures which rely primarily on information encoded onto each item, whether or not that information is consistent with other information on the item. You agree that LGFCU does not fail to exercise ordinary care in paying an item solely because our automated procedures do not provide for sight-review. Stale and Post-Dated Items Stale-Dated Items: We maintain the option, at our discretion, to either pay or dishonor any stale-dated item (that isfor example, a check presented more than six months after the date of the check) upon presentation to LGFCU. We may pay the item, at our discretion, unless a stop payment order issued by the account holder was in effect. Post-Dated Items: You agree that we will not be liable to you for charging your account before the indicated date on a properly payable but post-dated item unless you give us prior notice that you have issued a post-dated item and you would like to issue a stop payment order for the item. Stopping Payment on Checks You may request a stop payment order on any check drawn on your account. If the account is a joint account, any joint owner can stop payment of any item drawn on the account. To request a stop payment order, please contact your local branch, call 000.000.0000, log on to Member Connect at xxxxx.xxx, or you may send a written request to P.O. Box 29606, Raleigh, NC 27626. The stop payment order must describe the check with reasonable certainty (for example, the payee, account number, check number, and exact amount of the check), and we must receive your order in time to act on it. LGFCU will not be responsible for failing to stop payment of a check if you provide us with untimely, incorrect or incomplete information. Stop payment orders on checks remain in effect for 12 months. We may pay a check once the stop payment order expires. In order for the stop payment to continue for another 12 months, you must complete a new stop payment order. If you want the stop payment order to expire in less than 12 months, you may provide us written notice requesting to cancel the stop payment order. The cancellation request will not be effective until we receive the request and have a reasonable opportunity to act on it. Fees for stop payment orders are set forth in the included Service Fees and Terms chart. Cashier’s Checks We may issue cashier’s checks payable to you or a third party at your direction. Because cashier’s checks are guaranteed funds, you may not cancel or put a stop payment on a cashier’s check once it is issued. However, if the check becomes lost, stolen or destroyed, we may replace the check according to the following procedures, subject to applicable law. If you are the remitter or payee on a cashier’s check that we issued which has been lost, stolen or destroyed, you can make a claim with us for reissuance of the check. We may require you to sign a declaration of loss and indemnification agreement. We may delay reissuing the check for a period of time as permitted by law. There are some instances where we are legally required to pay a cashier’s check that was reported lost, stolen or destroyed even though a claim was made and we reissued the check. If we reissue a cashier’s check to you, and the original cashier’s check is presented for payment under circumstances where we are legally required to pay it, you agree to immediately pay us the amount of the reissued check. Account Balance and Posting Order Account Balance: One or more of the following account balances is available to you for review online, by calling 888.732-8562 or by visiting your local branch. Current Balance information is available via ATM.

Negative Balance. If At the time a transaction is presented to us for authorization, we will not authorize a transaction that exceeds the value available on your account has Account. Because you may be assessed transaction fees even if a transaction is declined, it is possible for a rejected transaction to cause your Account to have a negative balance for any reasonand be overdrawn. You will not be charged an overdraft fee if your Account balance is overdrawn. However, neither we nor CEFCU extend credit, so if your Account becomes overdrawn, you agree to pay CEFCU the overdrawn amount immediately, without further demand. CEFCU may deduct the overdraft amount from any current or future funds on this or any other Account you activate or maintain. If your Account has a zero or negative balance, CEFCU may, at its option, cancel your Account without notice. Preauthorized Payments from Your Card. You can use your Card number to make preauthorized recurring payments to merchants i.e., payments that are automatically charged to your Card each month (for example, to pay a gym membership), by making appropriate arrangements with the merchant and providing the merchant certain additional information such as your name on the Card, the Card expiration date and the 3 digit security code on the back of your Card. Your Card must be registered before you can use your Card number to make preauthorized recurring payments to a merchant. If you use your Card number to make preauthorized recurring payments to a merchant, you must make sure that the value available on your Card at the time the transaction is presented to CEFCU each billing period is sufficient to cover the transaction because your Card does not have overdraft protection and neither we nor CEFCU extend credit on your Card. You have several options to make sure that the value available on your Card at the time the transaction is presented to CEFCU each billing period is sufficient to cover the transaction. For example, you can monitor your Account and load funds or the Primary Cardholder can arrange to have direct deposits made to the Account by his or her employer or ACH transfers made to the Account from a CEFCU deposit account each billing period timed so that you have access to the funds when the transaction is presented to CEFCU. See the Section labeled “FUNDS AVAILABILITY” for when you will have access to funds loaded on your Card by direct deposit or by ACH transfer from a CEFCU deposit account. If the amount of the negative balance without notice or demand from us. You also agree recurring payment and any applicable fee exceeds the value available on your Card at the time the transaction is presented to reimburse us for any costs we incur in collecting CEFCU, the amount of any negative balance, including reasonable attorneys’ fees transaction will be declined and the costs of litigation. For joint accounts, each owner agrees that all of the owners are jointly and severally liable for all negative balances. Each owner also agrees that we may debit funds from any other account held by each owner to repay any negative balance. Account services may be restricted and your account may be closed due to account mismanagement causing excessive negative balances. Checks and Other Withdrawals We may require you to withdraw funds from your account upon notice. We may refuse any check or other item or withdrawal request if it is not made in a manner specifically authorized for your type of account. We utilize automated collection and processing procedures which rely primarily on information encoded onto each item, whether or not that information is consistent with other information on the item. You agree that LGFCU does not fail to exercise ordinary care in paying an item solely because our automated procedures do not provide for sight-review. Stale and Post-Dated Items Stale-Dated Items: We maintain the option, at our discretion, to either pay or dishonor any stale-dated item (that is, a check presented more than six months after the date of the check) upon presentation to LGFCU. We may pay the item, at our discretion, unless a stop payment order issued by the account holder was in effect. Post-Dated Items: You agree that we will not be liable to you for charging your account before the indicated date on a properly payable but post-dated item unless you give us prior notice merchant that you have issued a post-dated item and you would like authorized to issue a stop submit that recurring payment order for the item. Stopping Payment on Checks You may request a stop payment order on any check drawn on suspend or cancel your account. If the account is a joint account, any joint owner can stop payment of any item drawn on the account. To request a stop payment order, please contact your local branch, call 000.000.0000, log on to Member Connect at xxxxx.xxx, or you may send a written request to P.O. Box 29606, Raleigh, NC 27626. The stop payment order must describe the check with reasonable certainty (for example, the payee, account number, check number, and exact amount of the check), and we must receive your order in time to act on it. LGFCU will not be responsible for failing to stop payment of a check if you provide us with untimely, incorrect or incomplete information. Stop payment orders on checks remain in effect for 12 months. We may pay a check once the stop payment order expires. In order for the stop payment to continue for another 12 months, you must complete a new stop payment orderservice. If you want the to stop or change a preauthorized recurring payment order to expire in less than 12 monthsa merchant, you may provide us written notice requesting must contact the merchant and arrange to cancel stop or change the stop recurring payment order. The cancellation request will not be effective until we receive the request and have a reasonable opportunity to act on it. Fees for stop payment orders are set forth in the included Service Fees and Terms chart. Cashier’s Checks We may issue cashier’s checks payable to you or a third party at your direction. Because cashier’s checks are guaranteed funds, you may not cancel or put a stop payment on a cashier’s check once before it is issuedsubmitted to FIS. However, if Refunds for Purchases Made with the check becomes lost, stolen Card. Any refund for goods or destroyed, we services purchased with the Card Account may replace the check according to the following proceduresbe made, subject to applicable lawthe merchant’s policies, in the form of a credit to the Card, cash back, or a merchant credit. If You are not entitled to receive a cash refund. Disputes with Merchants. Neither we nor CEFCU are not responsible for the delivery, quality, safety, legality or any other aspect of goods and services that you are purchase from others with a Card. All such disputes should be addressed to the remitter or payee on a cashier’s check that we issued which has been lost, stolen or destroyed, you can make a claim with us for reissuance of merchants from whom the check. We may require you to sign a declaration of loss goods and indemnification agreement. We may delay reissuing the check for a period of time as permitted by law. There are some instances where we are legally required to pay a cashier’s check that was reported lost, stolen or destroyed even though a claim was made and we reissued the check. If we reissue a cashier’s check to you, and the original cashier’s check is presented for payment under circumstances where we are legally required to pay it, you agree to immediately pay us the amount of the reissued check. Account Balance and Posting Order Account Balance: One or more of the following account balances is available to you for review online, by calling 888.732-8562 or by visiting your local branch. Current Balance information is available via ATMservices were purchased.

Negative Balance. If your account has a negative balance for any reason, you agree to pay the amount of the negative balance without notice or demand from us. You also agree to reimburse us for any costs we incur in collecting the amount of any negative balance, including reasonable attorneys’ fees and the costs of litigation. For joint accounts, each owner agrees that all of the owners are jointly and severally liable for all negative balances. Each owner also agrees that we may debit funds from any other account held by each owner to repay any negative balance. Account services may be restricted and your account may be closed due to account mismanagement causing excessive negative balances. Checks and Other Withdrawals We may require you to withdraw funds from your account upon notice. We may refuse any check or other item or withdrawal request if it is not made in a manner specifically specifically authorized for your type of account. We utilize automated collection and processing procedures which rely primarily on information encoded onto each item, whether or not that information is consistent with other information on the item. You agree that LGFCU does not fail to exercise ordinary care in paying an item solely because our automated procedures do not provide for sight-review. Stale and Post-Dated Items Stale-Dated Items: We maintain the option, at our discretion, to either pay or dishonor any stale-dated item (that isfor example, a check presented more than six months after the date of the check) upon presentation to LGFCU. We may pay the item, at our discretion, unless a stop payment order issued by the account holder was in effect. Post-Dated Items: You agree that we will not be liable to you for charging your account before the indicated date on a properly payable but post-dated item unless you give us prior notice that you have issued a post-dated item and you would like to issue a stop payment order for the item. Stopping Payment on Checks You may request a stop payment order on any check drawn on your account. If the account is a joint account, any joint owner can stop payment of any item drawn on the account. To request a stop payment order, please contact your local branch, call 000.000.0000, log on to Member Connect at xxxxx.xxx, or you may send a written request to P.O. Box 29606, Raleigh, NC 27626. The stop payment order must describe the check with reasonable certainty (for example, the payee, account number, check number, and exact amount of the check), and we must receive your order in time to act on it. LGFCU will not be responsible for failing to stop payment of a check if you provide us with untimely, incorrect or incomplete information. Stop payment orders on checks remain in effect for 12 months. We may pay a check once the stop payment order expires. In order for the stop payment to continue for another 12 months, you must complete a new stop payment order. If you want the stop payment order to expire in less than 12 months, you may provide us written notice requesting to cancel the stop payment order. The cancellation request will not be effective until we receive the request and have a reasonable opportunity to act on it. Fees for stop payment orders are set forth in the included Service Fees and Terms chart. Cashier’s Checks We may issue cashier’s checks payable to you or a third party at your direction. Because cashier’s checks are guaranteed funds, you may not cancel or put a stop payment on a cashier’s check once it is issued. However, if the check becomes lost, stolen or destroyed, we may replace the check according to the following procedures, subject to applicable law. If you are the remitter or payee on a cashier’s check that we issued which has been lost, stolen or destroyed, you can make a claim with us for reissuance of the check. We may require you to sign a declaration of loss and indemnification agreement. We may delay reissuing the check for a period of time as permitted by law. There are some instances where we are legally required to pay a cashier’s check that was reported lost, stolen or destroyed even though a claim was made and we reissued the check. If we reissue a cashier’s check to you, and the original cashier’s check is presented for payment under circumstances where we are legally required to pay it, you agree to immediately pay us the amount of the reissued check. Account Balance and Posting Order Account Balance: One or more of the following account balances is available to you for review online, by calling 888.732-8562 or by visiting your local branch. Current Balance information is available via ATM.

Negative Balance. If your account has a negative balance for any reason, you agree to pay the amount of the negative balance without notice or demand from us. You also agree to reimburse us for any costs we incur in collecting the amount of any negative balance, including reasonable attorneys’ fees and the costs of litigation. For joint accounts, each owner agrees that all of the owners are jointly and severally liable for all negative balances. Each owner also agrees that we may debit funds from any other account held by each owner to repay any negative balance. Account services may be restricted and your account may be closed due to account mismanagement causing excessive negative balances. Checks and Other Withdrawals Withd rawals We may require you to withdraw funds from your account upon notice. We may refuse any check or other item or withdrawal request if it is not made in a manner specifically authorized for your type of account. We utilize automated collection and processing procedures which rely primarily on information encoded onto each item, whether or not that information is consistent with other information on the item. You agree that LGFCU does not fail to exercise ordinary care in paying an item solely because our automated procedures do not provide for sight-review. Stale and Post-Dated Items Stale-Dated Items: We maintain the option, at our discretion, to either pay or dishonor any stale-dated item (that isfor example, a check presented more than six months after the date of the check) upon presentation to LGFCU. We may pay the item, at our discretion, unless a stop payment order issued by the account holder was in effect. Post-Dated Items: You agree that we will not be liable to you for charging your account before the indicated date on a properly payable but post-dated item unless you give us prior notice that you have issued a post-dated item and you would like to issue a stop payment order for the itemi tem. Stopping Payment on Checks You may request a stop payment order on any check item drawn on your account. If the account is a joint account, any joint owner can stop payment of any item drawn on the account. To request a stop payment order, please contact your local branch, call 000.000.0000, log on to Member Connect at xxxxx.xxx, or you may send a written request to P.O. Box 29606X.X. Xxx 00000, RaleighXxxxxxx, NC 27626X X 00000. The stop payment order must describe the check item with reasonable certainty (for example, the payee, account number, check number, and exact amount of the check), and we must receive your order in time to act on it. LGFCU will not be responsible for failing to stop payment of a check an item if you provide us with untimely, incorrect untimely or incomplete information. Stop payment orders on checks remain in effect for 12 months. We may pay a check once the stop payment order expires. In order for the stop payment to continue for another 12 months, you must complete a new stop payment order. If you want the stop payment order to expire in less than 12 months, you may provide us written notice requesting to cancel the stop payment order. The cancellation request will not be effective until we receive the request and have a reasonable opportunity to act on it. Fees for stop payment orders are set forth in the included Service Fees and Terms chart. Cashier’s Checks We may issue cashier’s checks payable to you or a third party at your direction. Because cashier’s checks are guaranteed funds, you may not cancel or put a stop payment on a cashier’s check once it is issued. However, if the check becomes lost, stolen or destroyed, we may replace the check according to the following procedures, subject to applicable law. If you are the remitter or payee on a cashier’s check that we issued which has been lost, stolen or destroyed, you can make a claim with us for reissuance of the check. We may require you to sign a declaration of loss and indemnification agreement. We may delay reissuing the check for a period of time as permitted by law. There are some instances where we are legally required to pay a cashier’s check that was reported lost, stolen or destroyed even though a claim was made and we reissued the check. If we reissue a cashier’s check to you, and the original cashier’s check is presented for payment under circumstances where we are legally required to pay it, you agree to immediately pay us the amount of the reissued check. Account Balance and Posting Order Account Balance: One You can check your account balance by logging into Member Connect, calling 888.732.8562 or more of the following account balances is available to you for review online, by calling 888.732-8562 or by visiting your local branch. Current Balance information is The following balances are available via ATMto you: 4 Beginning Balance: The balance in your account after nightly processing.

Negative Balance. If your account has a negative balance for any reason, you agree to pay the amount of the negative balance without notice or demand from us. You also agree to reimburse us for any costs we incur in collecting the amount of any negative balance, including reasonable attorneys’ fees and the costs of litigation. For joint accounts, each owner agrees that all of the owners are jointly and severally liable for all negative balances. Each owner also agrees that we may debit funds from any other account held by each owner to repay any negative balance. Account services may be restricted and your account may be closed due to account mismanagement causing excessive negative balances. Checks and Other Withdrawals We may require you to withdraw funds from your account upon notice. We may refuse any check or other item or withdrawal request if it is not made in a manner specifically authorized for your type of account. We utilize automated collection and processing procedures which rely primarily on information encoded onto on to each item, whether or not that information is consistent with other information on the item. You agree that LGFCU SECU does not fail to exercise ordinary care in paying an item solely because our automated procedures do not provide for sight-review. Stale and Post-Dated Items Stale-Dated Items: We maintain the option, at our discretion, to either pay or dishonor any stale-dated item (that is, a check presented more than six months after the date of the check) upon presentation to LGFCUSECU. We may pay the item, at our discretion, unless a stop payment order issued by the account holder was in effect. Post-Dated Items: You agree that we will not be liable to you for charging your account before the indicated date on a properly payable but post-dated item unless you give us prior notice that you have issued a post-dated item and you would like to issue a stop payment order for the item. Stopping Payment on Checks You may request a stop payment order on any check drawn on your account. If the account is a joint account, any joint owner can stop payment of any item drawn on the account. To If you want to stop payment on a check, you must act promptly to ensure we receive your request before the check is paid. As a result of advances in the check collection process, including the electronic exchange of check information, your checks may be presented for payment against your account much more quickly than in the past. Thus, to request a stop payment order, please order we recommend that you contact your local branch, call 000.000.0000Member Services at 0-000-000-0000, log or sign on to Member Connect at xxxxx.xxx, or you Access. You may also send a written request to P.O. ASK SECU, or by visiting your local branch. Current PO Box 29606, Raleigh, NC 27626, but keep in mind that Balance information is available via ATM. we must receive your order in time to act on it. The stop payment order must describe the check with reasonable certainty (for example, the payee, account number, check numberchecknumber, and exact andexact amount of the checkthecheck), and we must receive your order in time to act on it. LGFCU SECU will not be responsible for failing to stop payment of a check if you provide us with untimely, incorrect incorrect, or incomplete information. Stop payment orders on checks remain in effect for 12 months. We may pay a check once the stop payment order expires. In order for the stop payment to continue for another 12 months, you must complete a new stop payment order. If you want the stop payment order to expire in less than 12 months, you may provide us written notice requesting to cancel the stop payment order. The cancellation request will not be effective until we receive the request and have a reasonable opportunity to act on it. Fees for stop payment orders are set forth in the included Service Fees and Terms chart. Cashier’s Checks We may issue cashier’s checks payable to you or a third party at your direction. Because cashier’s checks are guaranteed funds, you may not cancel or put a stop payment on a cashier’s check once it is issued. However, if the check becomes lost, stolen stolen, or destroyed, we may replace the check according to the following procedures, subject to applicable law. If you are the remitter or payee on a cashier’s check that we issued which has been lost, stolen stolen, or destroyed, you can make a claim with us for reissuance of the check. We may require you to sign a declaration of loss and indemnification agreement. We may delay reissuing the check for a period of time as permitted by law. There are some instances where we are legally required to pay a cashier’s check that was reported lost, stolen stolen, or destroyed even though a claim was made and we reissued the check. If we reissue a cashier’s check to you, and the original cashier’s check is presented for payment under circumstances where we are legally required to pay it, you agree to immediately pay us the amount of the reissued check. Account Balance and Posting Order Account Balance: One or more of the following account balances is available to you for review online, by calling 888.732-8562 or by visiting • Beginning Balance/Ending Balance: The balance in your local branch. Current Balance information is available via ATMaccount after nightly processing.