Common use of Non-Customer Check Cashing Fee and Identification Clause in Contracts

Non-Customer Check Cashing Fee and Identification. If a person who is not a customer of ours presents a check drawn against one of your accounts for payment over the counter, we may require identification that meets our standards including a thumbprint or fingerprint from the person and we may charge the person a service charge for cashing the check. You agree that if the person refuses to comply with our identification standards and/or refuses to pay the service charge, we may not cash the check and we have no liability to you for refusing to cash the check. STALE CHECKS. We reserve the right to pay or dishonor a check more than six (6) months old without prior notice to you. AUTHORIZED OVERDRAFT PRIVILEGE POLICY AND REGULATION D CHANGES. "It is the policy of our Bank to comply with applicable laws and regulations, and to conduct business in accordance with applicable safety and soundness standards." An insufficient balance may result from: A) the payment of checks, electronic funds transfers, or other withdrawal requests; B) payments authorized by you; C) the return, unpaid, of items deposited by you; D) the imposition of bank service charges; or E) the deposit of items which, according to the Bank's Funds Availability Policy, are treated as not yet "available" or finally paid. We are not obligated to pay any item presented for payment if your account does not contain sufficient collected funds. However, if your account has been open 30 days and maintained in good standing, defined as A) Making regular deposits sufficient to cover your transactions; B) Bringing the account to a positive balance every thirty (30) days or less; and