Common use of Overdraft Service Clause in Contracts

Overdraft Service. The Credit Union may, as a discretionary service and not as a right of yours or obligation to you, pay overdrafts up to a limit determined by your individual account activity. The Credit Union's fees, charges, and each paid check or item will be included in this limit. This overdraft balance will not be included in or reflected on your actual or available balance of your account provided by a teller, at ATM or POS facilities, through online services, or on your periodic statements. This overdraft service is not a line of credit, is not guaranteed, and is independent of any other payment arrangement the Credit Union may offer. Generally, the Credit Union will not pay an overdraft in excess of any limit established for your account type. Also, the Credit Union may refuse to pay an overdraft at any time, even if the Credit Union has previously paid such overdrafts. The Credit Union will notify you by mail of any insufficient funds, checks, or items, paid or unpaid and returned, you may have. However, the Credit Union has no obligation to notify you before paying or returning any item. The following transactions (overdrafts) may be covered under this service: checks, ACH debits and other payments or withdrawals authorized by you, account service charges, pre-authorized drafts, and any other items that may be posted to your account. Point-of-sale (POS) and ATM transactions will not be covered by this service unless you specifically opt in for POS and ATM coverage. The Credit Union reserves the right to pay any checks or items in the order they are presented or received and in accordance with normal operating procedures for such checks, items, or transactions. You will be charged an NSF/Returned Item fee for each paid overdraft check or item as set forth in the Rate and Fee Schedule. There is no limit to the number of overdrafts paid or fees incurred on any one (1) day. You agree your overdraft balance, including applicable overdraft fees, is due and payable upon demand. If there is more than one owner on an account, all owners are jointly and severally liable for repayment of any overdraft balance. Accounts may be closed for failure to repay overdraft balances and the Credit Union will report account closures to applicable consumer reporting agencies. The Credit Union offers the overdraft service as a convenience to members for incidental overdrafts. The Credit Union does not encourage repeated account overdraws.

Overdraft Service. The Credit Union We offer a discretionary overdraft service (Courtesy Pay) to cover overdrafts on your checking accounts. Courtesy Pay means that we may in our discretion honor and pay your checks or items drawn against insufficient funds so that your checks or transactions are not returned unpaid. For overdrafts resulting from ATM and debit card purchase transactions you must opt-in to the Courtesy Pay service for these accounts before we can offer the service or charge a fee for payment of any overdrafts. For all other transactions, Courtesy Pay is made available only to members meeting specific qualifying criteria. In order to be eligible to receive Courtesy Pay you must be a member in good standing. Other qualifying criteria may apply. Not all members may qualify. Courtesy Pay may apply to checks you have drawn against insufficient funds in your checking account(s) with us, as well as other transfer or withdrawal request(s) you have authorized (such as, but not limited to, preauthorized transfers) for which funds are insufficient. We may, as a discretionary service and at our sole discretion, but are not as a right obligated to, make payment on such overdrawn checks, transfers, and/or withdrawal requests in any order at our option or return the overdrawn checks, transfers, and/or withdrawal requests unpaid. Regardless, we are not liable for any action we take regarding payment or nonpayment of yours or obligation to youan overdrawn check, pay overdrafts up to a limit determined by your individual account activity. The Credit Union's fees, charges, and each paid check or item will be included in this limit. This overdraft balance will not be included in or reflected on your actual or available balance of your account provided by a teller, at ATM or POS facilities, through online servicestransfer, or on your periodic statementswithdrawal request. This overdraft service is not a line of credit, is not guaranteed, and is independent of any other payment arrangement the Credit Union may offer. Generally, the Credit Union will not pay an overdraft in excess of any limit established for your account type. Also, the Credit Union may refuse If we choose to pay an overdraft at any timeoverdrawn check, even if the Credit Union has previously paid such overdrafts. The Credit Union will notify you by mail of any insufficient funds, checkstransfer, or items, paid or unpaid and returnedwithdrawal request, you may have. However, the Credit Union has no obligation will be subject to notify you before paying or returning any item. The following transactions (overdraftsa fee(s) may be covered under this service: checks, ACH debits and other payments or withdrawals authorized by you, account service charges, pre-authorized drafts, and any other items that may be posted to your account. Point-of-sale (POS) and ATM transactions will not be covered by this service unless you specifically opt in for POS and ATM coverage. The Credit Union reserves the right to pay any checks or items in the order they are presented or received and in accordance with normal operating procedures for such checks, items, or transactions. You will be charged an NSF/Returned Item fee for each paid overdraft check or item amount as set forth in the accompanying Rate and Fee Schedule for each transaction. In that event, you understand and agree that you are obligated to reimburse us and you are required to deposit with us sufficient good funds to cover the overdrawn check, transfer, or withdrawal request paid by us under Courtesy Pay and pay the applicable fee(s). You agree that we have the right to transfer available funds from your other accounts you may have with us to cover the overdrawn checks, transfer, or withdrawal request and pay the applicable fee(s). If we choose not to pay the overdrawn check, transfer, or withdrawal request, you are subject to the applicable fee(s) for each such item in the amount set forth in our Rate and Fee Schedule. There We may charge a fee each time a check or item is no submitted or resubmitted for payment. Therefore, you may be assessed more than one fee as a result of a returned item or resubmission(s) of the returned item. We reserve the right to limit to the number of overdrafts overdrawn checks and the total dollar amount of overdrawn checks, transfers, and/or withdrawal request that may be paid under the Overdraft Protection plan at any time. Further, we do not guarantee payment of any overdrawn check, transfer, or fees incurred on any one (1) daywithdrawal request. You agree your overdraft balanceunderstand that if we permit payment of an overdrawn check, including applicable overdraft feestransfer, is due and payable upon demandor withdrawal request, we are not required to notify you. If there is more than one owner on an account, all owners are jointly and severally liable for repayment You may opt-out of the Courtesy Pay service at any overdraft balance. Accounts may be closed for failure to repay overdraft balances and time by contacting the Credit Union will report account closures to applicable consumer reporting agenciesUnion. The Credit Union offers the overdraft service as a convenience to members for incidental overdrafts. The Credit Union does not encourage repeated account overdrawsIn addition, we may discontinue Courtesy Pay at any time without prior notice.

Overdraft Service. The Credit Union We offer a discretionary overdraft service (Overdraft Privilege) to cover overdrafts on your checking accounts. Overdraft Privilege means that we may in our discretion honor and pay your checks or items drawn against insufficient funds so that your checks or transactions are not returned unpaid. For overdrafts resulting from ATM and debit card purchase transactions you must opt-in to the Overdraft Privilege service for these accounts before we can offer the service or charge a fee for payment of any overdrafts. For all other transactions, Overdraft Privilege is made available only to members meeting specific qualifying criteria. In order to be eligible to receive Overdraft Privilege you must be a member in good standing. Other qualifying criteria may apply. Not all members may qualify. Overdraft Privilege may apply to checks you have drawn against insufficient funds in your checking account(s) with us, as well as other transfer or withdrawal request(s) you have authorized (such as, but not limited to, preauthorized transfers) for which funds are insufficient. We may, as a discretionary service and at our sole discretion, but are not as a right obligated to, make payment on such overdrawn checks, transfers, and/or withdrawal requests in any order at our option or return the overdrawn checks, transfers, and/or withdrawal requests unpaid. Regardless, we are not liable for any action we take regarding payment or nonpayment of yours or obligation to youan overdrawn check, pay overdrafts up to a limit determined by your individual account activity. The Credit Union's fees, charges, and each paid check or item will be included in this limit. This overdraft balance will not be included in or reflected on your actual or available balance of your account provided by a teller, at ATM or POS facilities, through online servicestransfer, or on your periodic statementswithdrawal request. This overdraft service is not a line of credit, is not guaranteed, and is independent of any other payment arrangement the Credit Union may offer. Generally, the Credit Union will not pay an overdraft in excess of any limit established for your account type. Also, the Credit Union may refuse If we choose to pay an overdraft at any timeoverdrawn check, even if the Credit Union has previously paid such overdrafts. The Credit Union will notify you by mail of any insufficient funds, checkstransfer, or items, paid or unpaid and returnedwithdrawal request, you may have. However, the Credit Union has no obligation will be subject to notify you before paying or returning any item. The following transactions (overdraftsa fee(s) may be covered under this service: checks, ACH debits and other payments or withdrawals authorized by you, account service charges, pre-authorized drafts, and any other items that may be posted to your account. Point-of-sale (POS) and ATM transactions will not be covered by this service unless you specifically opt in for POS and ATM coverage. The Credit Union reserves the right to pay any checks or items in the order they are presented or received and in accordance with normal operating procedures for such checks, items, or transactions. You will be charged an NSF/Returned Item fee for each paid overdraft check or item amount as set forth in the accompanying Rate and Fee Schedule for each transaction. In that event, you understand and agree that you are obligated to reimburse us and you are required to deposit with us sufficient good funds to cover the overdrawn check, transfer, or withdrawal request paid by us under Overdraft Privilege and pay the applicable fee(s). You agree that we have the right to transfer available funds from your other accounts you may have with us to cover the overdrawn checks, transfer, or withdrawal request and pay the applicable fee(s). If we choose not to pay the overdrawn check, transfer, or withdrawal request, you are subject to the applicable fee(s) for each such item in the amount set forth in our Rate and Fee Schedule. There We may charge a fee each time a check or item is no submitted or resubmitted for payment. Therefore, you may be assessed more than one fee as a result of a returned item or resubmission(s) of the returned item. We reserve the right to limit to the number of overdrafts overdrawn checks and the total dollar amount of overdrawn checks, transfers, and/or withdrawal request that may be paid under the Overdraft Protection plan at any time. Further, we do not guarantee payment of any overdrawn check, transfer, or fees incurred on any one (1) daywithdrawal request. You agree your overdraft balanceunderstand that if we permit payment of an overdrawn check, including applicable overdraft feestransfer, is due and payable upon demandor withdrawal request, we are not required to notify you. If there is more than one owner on an account, all owners are jointly and severally liable for repayment You may opt-out of the Overdraft Privilege service at any overdraft balance. Accounts may be closed for failure to repay overdraft balances and time by contacting the Credit Union will report account closures to applicable consumer reporting agenciesUnion. The Credit Union offers the overdraft service as a convenience to members for incidental overdrafts. The Credit Union does not encourage repeated account overdrawsIn addition, we may discontinue Overdraft Privilege at any time without prior notice.

Overdraft Service. The Credit Union mayOverdraft Service is available for eligible accounts and not all accounts will qualify. You must meet certain criteria to be eligible for Overdraft Service. There is an overdraft fee for each Item paid using Overdraft Service. We are not obligated to pay any Item presented for payment if your account does not contain a sufficient Available balance. However, if you maintain your account in good standing, we may approve your overdraft Items within your available overdraft limit balance as a non-contractual courtesy. Overdraft Service is not a loan. Overdraft Service is a discretionary service from which you benefit. We may refuse to pay an overdraft Item for you at any time even though we may have previously paid overdrafts for you and not even though you have available funds in your overdraft limit balance. Your Overdraft Service limit (overdraft limit balance) is personalized and may change often, increasing or decreasing, based on account history. Factors that influence the limit amount will include: (1) how long the account has been open, (2) the amount of deposits made, and (3) the frequency of the deposits. We may suspend or discontinue Overdraft Service without any prior notice. Overdraft Service will be automatically added as a right an account feature in accordance with the eligibility rules unless you opt out. You may opt out of yours or obligation Overdraft Service at any time by providing notice to you, pay overdrafts up to a limit determined by your individual account activityus. The Credit Union's feesnotice may be by phone, chargesin person, and each paid check or item in writing. You are responsible for any overdrawn balances at the time of opting out. Generally, we will not approve an Item for you in excess of the overdraft limit balance assigned to your account. So as not to exceed your overdraft limit balance, please note that the amount of the Item plus the standard overdraft fee per Item will be included in deducted from the overdraft limit balance. Overdraft Service should not be viewed as an encouragement to overdraw your account. As always, we encourage you to manage your finances responsibly. If you would like to have this limitservice removed from your account, please call (000) 000-0000. This Please note that your overdraft limit balance will not be included reflected in or reflected on your actual or available Available balance of your account provided by a teller, at ATM or POS facilities, through online servicesthe ATM/ITM, or on 24-hour Telephone Banking. Your overdraft limit balance is displayed as a part of your periodic statementsAvailable balance in online banking and appears as overdraft limit balance in our mobile banking app. This overdraft service is not a line of credit, is not guaranteed, and is independent of any other payment arrangement the Credit Union may offer. Generally, the Credit Union will not pay an overdraft in excess of any limit established for your account type. Also, the Credit Union may refuse to pay an overdraft at any time, even if the Credit Union has previously paid such overdrafts. The Credit Union will notify you by mail of any insufficient funds, checks, or items, paid or unpaid and returned, you may have. However, the Credit Union has no obligation to notify you before paying or returning any item. The following transactions (overdrafts) may be covered under this serviceLIMITATIONS: checks, ACH debits and other payments or withdrawals authorized by you, account service charges, pre-authorized drafts, and any other items that may be posted to your account. Point-of-sale (POS) and ATM transactions will not be covered by this service unless you specifically opt in for POS and ATM coverage. The Credit Union United Bank reserves the right to pay any checks or items in the order they are presented or received and in accordance with normal operating procedures for such checks, items, or transactions. You will be charged an NSF/Returned Item fee for each paid overdraft check or item as set forth in the Rate and Fee Schedule. There is no limit to the number of overdrafts paid or fees incurred on any one (1) day. You agree your overdraft balance, including applicable overdraft fees, is due accounts and payable upon demand. If there is more than one owner on an account, all owners are jointly and severally liable types of accounts eligible for repayment of any overdraft balance. Accounts may be closed for failure to repay overdraft balances and the Credit Union will report account closures to applicable consumer reporting agencies. The Credit Union offers the overdraft service as a convenience to members for incidental overdrafts. The Credit Union does not encourage repeated account overdrawsOverdraft Service.

Overdraft Service. The Credit Union mayUnion, as a discretionary service and not as a right of yours or obligation to you, pay pays overdrafts up to a limit determined by your individual account activity$1,500 (overdraft balance) on accounts eligible for this service. The Credit Union's Union fees, charges, and each paid check or item will be included in this limit. This overdraft balance will not be included in or reflected on your actual or available balance of your account provided by a teller, at ATM or POS facilities, through online services, or on your periodic statements. This overdraft service is not a line of credit, is not guaranteed, and is independent of any other payment arrangement the Credit Union may offer. Generally, the Credit Union will not pay an overdraft in excess of any limit established for your account type. Also, the Credit Union may refuse to pay an overdraft at any time, even if the Credit Union has previously paid such overdrafts. The Credit Union will notify you by mail of any insufficient funds, checks, or items, paid or unpaid and returned, you may have. However, the Credit Union has no obligation to notify you before paying or returning any item. The following transactions (overdrafts) may be covered under this service: checks, ACH debits and other payments or withdrawals authorized by you, account service charges, pre-–authorized drafts, and any other items that may be posted to your account. PointYou have the option to Opt-ofout of the service at any time. Overdraft service will be provided for debit card purchase transactions only if you expressly request (“Opt-sale (POSin”) and ATM transactions will not be covered by this overdraft service unless you specifically opt in for POS and ATM coveragethese transactions. The Credit Union reserves the right to pay any checks or items in the order they are presented or received received, and in accordance with normal operating procedures for such checks, items, or transactions. You will be charged an NSF/Returned Item fee for each paid overdraft check or item as set forth in the Rate and Fee Schedule. There is no limit to the number of overdrafts paid or fees incurred on any one (1) day. You agree your overdraft balance, including applicable overdraft fees, is due and payable upon demand. If there is more than one owner on an account, account all owners are jointly and severally liable for repayment of any overdraft balance. Accounts may be closed for failure to repay overdraft balances and the Credit Union will report account closures to applicable consumer reporting agencies. The Credit Union offers the overdraft service as a convenience to members for incidental overdrafts. The Credit Union does not encourage repeated account overdraws.

Overdraft Service. We offer a discretionary service (“Overdraft Service”) to cover overdrafts on your checking accounts. The Credit Union offers this Overdraft Service to eligible consumer checking account owners who qualify. Overdraft Service is not offered to minors, fiduciary accounts, or anyone who has caused a financial loss to us. Overdraft Service is provided to qualified accounts automatically for checks, ACH, and online transactions. Members have the option to opt-out of the service at any time. Overdraft Service will be provided for debit card purchase transactions only if you expressly request (“opt-in”) it for these transactions. d. Terms & Conditions of Overdraft Service. Overdrafts will be provided under the following terms and conditions. i. Discretionary Service. Under the Overdraft Service, we are not obligated to pay any check or item presented for payment if your account does not contain sufficient funds. We may, as a discretionary service and not as a right of yours or our obligation to you, pay overdrafts up to a an approved limit determined by your individual account activity. The Credit Union's fees, charges, under the terms of this service and each paid check or item will be included in subject to this limitAgreement. This overdraft balance will not be included in or reflected on your actual or available balance of your account provided by a teller, at ATM or POS facilities, through online services, or on your periodic statements. This overdraft service Overdraft Service is not a line of credit, is not guaranteed, and is independent of any other payment loan arrangement the Credit Union you may offerhave with us. Generally, the Credit Union We will not pay an overdraft in excess of any limit we have established for your account type. AlsoAdditionally, the Credit Union we may refuse to pay an overdraft for you at any time, even if the Credit Union has we have previously paid such overdraftsoverdrafts for you. ii. Overdraft Transactions Covered. The Credit Union will notify you by mail of any insufficient funds, overdraft service is provided to qualified accounts automatically for checks, or itemsACH, paid or unpaid and returnedxxxx payment transactions. Subject to the opt-in requirement set forth above, if on any day you may have. Howeverdo not have available funds in your account, the Credit Union has no obligation to notify you before paying following transactions, which may result in an insufficient or returning any item. The following transactions negative balance (“overdrafts) ”), may be covered under this our service: checks, ACH debits and debit card purchases; online or other payments electronic funds transfers; or withdrawals authorized by you, ; account service charges, ; pre-authorized drafts, ; and any other items that may be posted to your account. Point-of-sale (POS) and ATM transactions will not be covered by this service unless you specifically opt in for POS and ATM coverage. The Credit Union reserves the right to pay any checks or items in the order they are presented or received and in accordance with normal operating procedures for such checks, items, or transactions. You will be charged an NSF/Returned Item fee for each paid overdraft check or item as set forth in the Rate and Fee Schedule. There is no limit to the number of overdrafts paid or fees incurred on any one (1) day. You agree your overdraft balance, including applicable overdraft fees, is due and payable upon demand. If there is more than one owner on an account, all owners are jointly and severally liable for repayment of any overdraft balance. Accounts may be closed for failure to repay overdraft balances and the Credit Union will report account closures to applicable consumer reporting agencies. The Credit Union offers the overdraft service as a convenience to members for incidental overdrafts. The Credit Union does not encourage repeated account overdraws.

Overdraft Service. The Credit Union mayA. Fee-Free Overdraft ONE does not offer a traditional fee-based overdraft service. If you become a Direct Deposit Customer, as a discretionary service and not as a right of yours or obligation to you, pay overdrafts up to a limit determined by your individual account activity. The Credit Union's fees, charges, and each paid check or item you will be included automatically enrolled in this limitour fee-free overdraft service when you make qualifying Direct Deposits (“Fee-Free Overdraft”). This overdraft You may opt out of Fee-Free Overdraft in the ONE App. Fee- Free Overdraft will apply in the event that a withdrawal or other transaction in your Checking Tab will result in a negative balance will in that Tab. Certain features, such as mail a check may not be included in or reflected on your actual or available balance of your account provided by a teller, at ATM or POS facilities, through online services, or on your periodic statementseligible for Fee-Free Overdraft. This overdraft Fee-Free Overdraft service is not a line of credit, is not guaranteed, and is independent of any other payment arrangement the Credit Union may offer. Generally, the Credit Union will not pay an overdraft in excess of any limit established for your account type. Also, the Credit Union may refuse to pay an overdraft at any time, even if the Credit Union has previously paid such overdrafts. The Credit Union will notify you by mail of any insufficient funds, checks, or items, paid or unpaid and returned, you may have. However, the Credit Union has no obligation to notify you before paying or returning any item. The following transactions (overdrafts) may be covered under this service: checks, ACH debits and other payments or withdrawals authorized by you, account service charges, pre-authorized drafts, and any other items that may be posted to your account. Point-of-sale (POS) and ATM transactions will not be covered by this service unless you specifically opt in for POS and ATM coverage. The Credit Union reserves the right available at all times to pay any checks or items in the order they are presented or received and in accordance with normal operating procedures for such checks, items, or transactions. You will be charged an NSF/Returned Item fee for each paid overdraft check or item as set forth in the Rate and Fee Scheduleall customers. There is no limit fee for this service. We pay overdrafts at our discretion. We do not guarantee we will always pay a transaction that would result in an overdraft. Even if we have paid overdraft transactions before, we are not required to pay them in the number future. We may pay or not pay (return) any transaction if your Account balance is less than the amount of overdrafts paid or fees incurred on any one (1) daythat transaction. You agree to hold us harmless for any decision we make to not pay an overdraft. The available balance shown to you in the ONE App may not be the same amount used to pay your overdraft balancetransactions as some transactions may not be displayed to you when we make our determination. Under no circumstance, including applicable overdraft fees, is due and payable upon demandwill we authorize a transaction that would result in a negative balance in your Checking Tab exceeding $200. If there is more than one owner on an account, all owners are jointly and severally liable for repayment You must immediately pay the amount of any overdraft balanceoverdraft. Accounts We may be closed for failure report you to repay overdraft balances and the Credit Union will report account closures to applicable consumer reporting agencies, close your Account, or both if you fail to repay an overdraft. The Credit Union offers This could affect your ability to open accounts in the future. Subject to applicable law, you authorize us to use the money from any subsequent deposits to your Spend Pocket (including but not limited to a direct deposit of Social Security or any other state or federal benefit payment) to repay an overdraft service as or other negative balance. You authorize us to use funds in a convenience pocket other than your Checking Tab or any other account you have at the Bank to members for incidental overdraftsrepay any unpaid overdraft or negative balance. The Credit Union does not encourage repeated account overdrawsYou agree to pay all costs and expenses we incur in collecting any overdraft or negative balance. We may still pursue collection of the amount you owe (including litigation) after it is charged off. It’s your responsibility to avoid overdrawing your Account.

Overdraft Service. The Credit Union mayGenerally, as our overdraft service is included on your account at the time you open it. This means that should you inadvertently overdraw your account, we have the discretion to pay your overdraft item. If we pay an overdraft item, then an Overdraft/NSF fee will be assessed on your account per item paid. At our discretion, if we make the decision to return an item, an Overdraft/NSF fee will be assessed on your account per item returned. Our overdraft service does not cover ATM withdrawals or everyday card transactions, unless you provide your consent. Further details about ATM withdrawals, debit card transactions, and other electronic items are explained in our Electronic Funds Transfer Disclosure. It is within our discretion to pay or not pay items that overdraw your account, and by having an overdraft service connected to your account is not a discretionary service and not as a right guarantee of yours or obligation payment on all transactions. It is also the bank’s discretion to remove overdraft abilities from your account at any time, without notice to you, pay overdrafts up . You may also request us to a limit determined by your individual account activity. The Credit Union's fees, charges, and each paid check or item will be included in this limit. This remove overdraft balance will not be included in or reflected services on your actual or available balance account at any time by contacting one of your account provided by a teller, at ATM or POS facilities, through online services, or on your periodic statementsour branches. This Note that our overdraft service is not a line of credit. Should the bank pay your account into overdraft status, you agree to bring your account balance positive within a reasonable timeframe. If your account remains at a negative balance for four (4) consecutive business days, your account will be assessed a Continual Negative Balance fee (as defined in the Fee Schedule) each business day until the balance is not guaranteedpositive. A negative balance may result due to an Overdraft/NSF, or other fees. Setoff and Security Interest To the extent prohibited by law, if you owe a debt to us (either now or in the future), you grant us a right of setoff to, and a security interest in, all of your accounts to secure the debt. Debts include any overdrafts or fees you owe, as well as amounts owed us by another person or entity if you have guaranteed that you will pay their debts. If the debt is independent due or overdue, we may use the funds in any of your accounts to pay all or part of the debt. If your account is a joint account, we may use the funds in the joint account to pay the debt of any other payment arrangement account owner. Our security interest will be governed by Uniform Commercial Code Article 9, whether Article 9 applies by its terms or not. We do not have to give you any prior notice to apply the Credit Union may offerfunds. Generally, the Credit Union will You expressly agree that our rights extend to any electronically deposited federal or state benefit payments (including Social Security benefits). If you do not pay an overdraft want your benefits applied in excess of any limit established for your account type. Also, the Credit Union may refuse to pay an overdraft at any time, even if the Credit Union has previously paid such overdrafts. The Credit Union will notify you by mail of any insufficient funds, checks, or items, paid or unpaid and returnedthis way, you may havechange your direct deposit instructions at any time with the person or organization paying the benefits. HoweverIf any federal benefits or other payments are deposited to your account after you become ineligible to receive them, we may setoff against any of your accounts to recover the Credit Union has no obligation payments if we're obligated to notify return funds to the payor. Deposit Account Statements and Notices For checking accounts, statements will be made available to you before paying or returning any itemmonthly. For savings accounts, statements will be made available to you quarterly. Other than the crediting of interest, if you have had electronic transactions on your savings account, then statements will be made available to you monthly. Certificate of Deposit (CD) statements will be made available to you annually. If you request to combine CD detail with a checking account, then the CD information that will be included will be minimal CD detail, not a full statement. The following transactions (overdrafts) may be covered under this service: checks, ACH debits and other payments or withdrawals authorized by you, account service charges, pre-authorized drafts, and any other items that may be posted to your account. Point-of-sale (POS) and ATM transactions will not be specific dates covered by this service unless you specifically opt in for POS and ATM coverage. The Credit Union reserves the right to pay any checks or items in the order they are presented or received and in accordance with normal operating procedures for such checks, items, or transactionsyour account statement will be on your statement. You will receive statements by mail (fee may apply), unless you choose to receive electronic statements (no fee). If you choose to receive your statements electronically, you can access them through Xxxxxxxxxxxxxx.xxx. We have made the statement available to you on the day we notify you that the electronic statement is available or the day we mail your paper statement to you. If your address or email is not valid, the statement will be charged an NSF/Returned Item fee for each paid overdraft check or item as set forth in considered available to you on the Rate and Fee Scheduleday we generated it. There is no limit If you receive paper statements, we will send statements to the number of overdrafts paid or fees incurred current mailing address listed on any one (1) dayour records. You agree your overdraft balance, including applicable overdraft fees, is due and payable upon demandStatements will be sent via USPS mail. If there is more than one owner we receive returned mail for you, we will attempt to contact you via the contact information we have on an accountfile for you, all owners are jointly and severally liable for repayment of any overdraft balancein order to update our records. A Returned Mail fee will apply. Combined Statements Accounts with common ownership may be closed for failure to repay overdraft balances combined on a single statement, at your request. If accounts are included on a combined statement and you don't want that, notify us and we'll separate the Credit Union statements. That change will report account closures to applicable consumer reporting agencies. The Credit Union offers the overdraft service as a convenience to members for incidental overdrafts. The Credit Union does not encourage repeated account overdrawsaffect only future statements.

Overdraft Service. The Credit Union may, as a discretionary service and not as a right of yours or obligation to you, pay overdrafts up to a limit determined by your individual account activity. The Credit Union's fees, charges, and each paid check or item will be included in this limit. This overdraft balance will not be included in or reflected on your actual or available balance of your account provided by a teller, at ATM or POS facilities, through online services, or on your periodic statements. This overdraft service is not a line of credit, is not guaranteed, and is independent of any other payment arrangement the Credit Union may offer. Generally, the Credit Union will not pay an overdraft in excess of any limit established for your account type. Also, the Credit Union may refuse to pay an overdraft at any time, even if the Credit Union has previously paid such overdrafts. The Credit Union will notify you by mail of any insufficient funds, checks, or items, paid or unpaid and returned, you may have. However, the Credit Union has no obligation to notify you before paying or returning any item. The following transactions (overdrafts) may be covered under this service: checks, ACH debits and other payments or withdrawals authorized by you, account service charges, pre-authorized drafts, and any other items that may be posted to your account. Point-of-sale (POS) and ATM transactions will not be covered by this service unless you specifically opt in for POS and ATM coverage. The Credit Union reserves the right to pay any checks or items in the order they are presented or received received, and in accordance with normal operating procedures for such checks, items, or transactions. You will be charged an NSF/Returned Item fee for each paid overdraft check or item as set forth in the Rate and Fee Schedule. There is no limit to the number of overdrafts paid or fees incurred on any one (1) day. You agree your overdraft balance, including applicable overdraft fees, is due and payable upon demand. If there is more than one owner on an account, all owners are jointly and severally liable for repayment of any overdraft balance. Accounts may be closed for failure to repay overdraft balances and the Credit Union will report account closures to applicable consumer reporting agencies. The Credit Union offers the overdraft service as a convenience to members for incidental overdrafts. The Credit Union does not encourage repeated account overdraws.