{"component": "clause", "props": {"groups": [{"snippet_links": [{"key": "overdraft-protection-plans", "type": "clause", "offset": [25, 51]}, {"key": "first-level", "type": "clause", "offset": [57, 68]}, {"key": "overdraft-transfers", "type": "clause", "offset": [79, 98]}, {"key": "line-of-credit", "type": "definition", "offset": [183, 197]}, {"key": "credit-card-account", "type": "clause", "offset": [206, 225]}, {"key": "to-pay", "type": "clause", "offset": [226, 232]}, {"key": "your-checking-account", "type": "clause", "offset": [252, 273]}, {"key": "sufficient-available-funds", "type": "clause", "offset": [288, 314]}, {"key": "determine-whether", "type": "clause", "offset": [319, 336]}, {"key": "sufficient-funds", "type": "definition", "offset": [337, 353]}, {"key": "the-transaction", "type": "clause", "offset": [373, 388]}, {"key": "presented-to", "type": "definition", "offset": [392, 404]}, {"key": "for-settlement", "type": "clause", "offset": [408, 422]}, {"key": "transfer-fee", "type": "definition", "offset": [452, 464]}, {"key": "fee-schedule", "type": "definition", "offset": [502, 514]}, {"key": "overdraft-privilege-program", "type": "clause", "offset": [554, 581]}, {"key": "the-application", "type": "clause", "offset": [701, 716]}, {"key": "second-level", "type": "clause", "offset": [755, 767]}, {"key": "eligible-members", "type": "clause", "offset": [885, 901]}, {"key": "the-standard", "type": "clause", "offset": [903, 915]}, {"key": "pursuant-to", "type": "definition", "offset": [945, 956]}, {"key": "discretionary-overdraft-privilege", "type": "clause", "offset": [961, 994]}, {"key": "a-non", "type": "clause", "offset": [1005, 1010]}, {"key": "not-guaranteed", "type": "clause", "offset": [1070, 1084]}, {"key": "in-the-event", "type": "clause", "offset": [1095, 1107]}, {"key": "recurring-debit", "type": "definition", "offset": [1170, 1185]}, {"key": "not-available", "type": "definition", "offset": [1228, 1241]}, {"key": "other-sources", "type": "definition", "offset": [1311, 1324]}, {"key": "your-account", "type": "definition", "offset": [1412, 1424]}, {"key": "in-good-standing", "type": "definition", "offset": [1428, 1444]}, {"key": "eligibility-requirements", "type": "clause", "offset": [1470, 1494]}, {"key": "third-level", "type": "clause", "offset": [1500, 1511]}, {"key": "debit-card-transactions", "type": "definition", "offset": [1625, 1648]}, {"key": "privilege-fee", "type": "definition", "offset": [1891, 1904]}, {"key": "using-the-service", "type": "clause", "offset": [1965, 1982]}, {"key": "approved-limit", "type": "definition", "offset": [2023, 2037]}, {"key": "subject-to-change", "type": "clause", "offset": [2080, 2097]}, {"key": "at-any-time", "type": "clause", "offset": [2098, 2109]}, {"key": "based-on", "type": "clause", "offset": [2110, 2118]}, {"key": "in-writing", "type": "clause", "offset": [2359, 2369]}, {"key": "by-phone", "type": "clause", "offset": [2373, 2381]}, {"key": "banking-system", "type": "definition", "offset": [2401, 2415]}, {"key": "refer-to", "type": "definition", "offset": [2464, 2472]}, {"key": "policy-for", "type": "definition", "offset": [2511, 2521]}, {"key": "additional-information", "type": "definition", "offset": [2551, 2573]}], "snippet": "We offer three levels of overdraft protection plans. The first level is called Overdraft Transfers. This service automatically transfers available funds from your designated savings, line of credit, and/or credit card account to pay a transaction when your checking account does not have sufficient available funds. We determine whether sufficient funds are available when the transaction is presented to us for settlement. We will charge an Overdraft Transfer fee for this service as set forth in the Fee Schedule. This fee is less than the fee for the Overdraft Privilege Program described below. To use this service, you must enroll and designate the priority of your Overdraft Transfer sources on the Application or other form we have designated. The second level is called our standard overdraft option. This option in our Overdraft Privilege Program is automatically extended to eligible members. The standard overdraft option is provided pursuant to our Discretionary Overdraft Privilege Policy as a non-contractual courtesy. It is not a line of credit and it is not guaranteed. However, in the event you write a check or initiate an ACH, online \u2587\u2587\u2587\u2587 payment, or recurring debit card transaction and sufficient funds are not available in your checking account to pay the transaction, and if there are no other sources of overdraft protection available, we will strive to pay your reasonable overdrafts if your account is in good standing and you continue to meet eligibility requirements. The third level is our Enhanced Overdraft Privilege option that extends the overdraft privilege program to your ATM and everyday debit card transactions. To use this option, you must affirmatively opt-in to our Enhanced Overdraft Privilege option for ATM and everyday debit card transactions by completing our opt-in form. Both levels of the Overdraft Privilege Program will charge an Overdraft Privilege fee as set forth in the Fee Schedule when a transaction is paid using the service. The amount of your Overdraft Privilege approved limit for your checking account may vary and is subject to change at any time based on certain membership factors such as age of account, deposit activity and history, and overdraft activity and history, including repayment history. If you no longer want an Overdraft Privilege option, you may opt-out of any level at any time in writing or by phone, within the Online Banking system or in-person at any one of our branches. Please refer to our Discretionary Overdraft Privilege Policy for eligibility requirements and additional information about the Overdraft Privilege Program.", "samples": [{"hash": "aVtaw7kRsK5", "uri": "/contracts/aVtaw7kRsK5#overdraft-services", "label": "Consumer Deposit Agreement", "score": 28.2020141034, "published": true}, {"hash": "cWNSrkL4Bkr", "uri": "/contracts/cWNSrkL4Bkr#overdraft-services", "label": "Consumer Deposit Agreement", "score": 24.6016427105, "published": true}, {"hash": "8M8aqGlJMry", "uri": "/contracts/8M8aqGlJMry#overdraft-services", "label": "Consumer Deposit Agreement", "score": 21.0, "published": true}], "size": 5, "hash": "98cca96fae4651d260a2318a9b235094", "id": 1}, {"snippet_links": [{"key": "debit-card-transactions", "type": "definition", "offset": [5, 28]}, {"key": "the-credit-union", "type": "definition", "offset": [76, 92]}, {"key": "overdraft-protection-program", "type": "clause", "offset": [95, 123]}, {"key": "overdraft-protection-services", "type": "clause", "offset": [158, 187]}, {"key": "to-provide", "type": "definition", "offset": [218, 228]}, {"key": "this-coverage", "type": "definition", "offset": [229, 242]}, {"key": "funds-available", "type": "definition", "offset": [332, 347]}, {"key": "your-account", "type": "definition", "offset": [351, 363]}, {"key": "at-the-time", "type": "clause", "offset": [364, 375]}, {"key": "transaction-request", "type": "definition", "offset": [380, 399]}, {"key": "coverage-of", "type": "clause", "offset": [472, 483]}, {"key": "not-offer", "type": "clause", "offset": [523, 532]}, {"key": "overdraft-coverage", "type": "clause", "offset": [533, 551]}, {"key": "terms-and-conditions", "type": "definition", "offset": [699, 719]}], "snippet": "Your Debit Card Transactions (one-time purchases) will not be covered under the Credit Union\u2019s overdraft protection program (Privilege Pay) or other optional overdraft protection services unless you have authorized us to provide this coverage. Transactions made with your Debit Card will not be authorized if there are insufficient funds available in your account at the time the transaction request is received if you have not \u201cOpted In\u201d to overdraft protection services coverage of your Debit Card. The Credit Union does not offer overdraft coverage of ATM/ITM transactions. Before deciding whether to opt in for this coverage, you should read our Privilege Pay disclosure in conjunction with our Terms and Conditions.", "samples": [{"hash": "fhwW3KZ9cwn", "uri": "/contracts/fhwW3KZ9cwn#overdraft-services", "label": "Electronic Funds Transfer Agreement", "score": 28.9010585374, "published": true}, {"hash": "cT9dVizX7mw", "uri": "/contracts/cT9dVizX7mw#overdraft-services", "label": "Electronic Funds Transfer Agreement", "score": 28.9010585374, "published": true}], "size": 3, "hash": "82efaae125363f9cc0f8aa462f81e134", "id": 2}, {"snippet_links": [{"key": "not-a-loan", "type": "clause", "offset": [22, 32]}, {"key": "subject-to", "type": "definition", "offset": [45, 55]}, {"key": "interest-charges", "type": "clause", "offset": [56, 72]}, {"key": "late-fees", "type": "clause", "offset": [76, 85]}, {"key": "fee-schedule", "type": "definition", "offset": [146, 158]}, {"key": "please-read-this", "type": "clause", "offset": [160, 176]}, {"key": "the-services", "type": "definition", "offset": [206, 218]}, {"key": "the-definitions-of", "type": "definition", "offset": [296, 314]}, {"key": "actual-balance", "type": "definition", "offset": [316, 330]}, {"key": "available-balance", "type": "clause", "offset": [337, 354]}, {"key": "in-this-agreement", "type": "clause", "offset": [356, 373]}, {"key": "definitions-section", "type": "clause", "offset": [413, 432]}, {"key": "to-determine", "type": "definition", "offset": [507, 519]}, {"key": "payment-of", "type": "definition", "offset": [529, 539]}, {"key": "assessment-of-fees", "type": "clause", "offset": [558, 576]}, {"key": "understand-and-agree-that", "type": "clause", "offset": [582, 607]}, {"key": "no-control", "type": "clause", "offset": [616, 626]}, {"key": "the-third-parties", "type": "clause", "offset": [636, 653]}, {"key": "full-control", "type": "clause", "offset": [757, 769]}, {"key": "your-relationship-with", "type": "clause", "offset": [822, 844]}, {"key": "payment-order-of-transactions", "type": "clause", "offset": [933, 962]}, {"key": "application-of", "type": "clause", "offset": [971, 985]}, {"key": "authorize-us-to", "type": "clause", "offset": [1030, 1045]}, {"key": "by-third-parties", "type": "clause", "offset": [1098, 1114]}, {"key": "all-transactions", "type": "clause", "offset": [1168, 1184]}, {"key": "services-for", "type": "clause", "offset": [1189, 1201]}, {"key": "at-any-time", "type": "clause", "offset": [1268, 1279]}, {"key": "without-notice", "type": "definition", "offset": [1280, 1294]}, {"key": "default-under", "type": "clause", "offset": [1314, 1327]}, {"key": "the-terms", "type": "definition", "offset": [1328, 1337]}, {"key": "agreement-or", "type": "definition", "offset": [1355, 1367]}, {"key": "the-consumer", "type": "definition", "offset": [1381, 1393]}, {"key": "agreement-and-disclosures", "type": "clause", "offset": [1413, 1438]}, {"key": "cancellation-of-services", "type": "clause", "offset": [1477, 1501]}, {"key": "any-other-agreements", "type": "clause", "offset": [1508, 1528]}, {"key": "the-credit-union", "type": "definition", "offset": [1534, 1550]}, {"key": "applicable-laws", "type": "definition", "offset": [1723, 1738]}, {"key": "governmental-requirements", "type": "definition", "offset": [1768, 1793]}], "snippet": "Overdraft Service are not a loan and are not subject to interest charges or late fees; however items paid are subject to fees as set forth in the Fee Schedule. Please read this entire section to understand the services, including how items are paid and how fees are assessed. You understand that the definitions of \u201cActual Balance\u201d and \u201cAvailable Balance\u201d in this agreement fully apply to Overdraft Services (See Definitions section of this booklet); we use the available balance and not the actual balance to determine both the payment of overdraft and the assessment of fees. You understand and agree that we have no control over how the third parties, or entities that process transactions for them, \u201ccode\u201d transactions. For instance, third parties have full control over the amounts of transactions they may enter per your relationship with them; and they may code transactions as recurring or non-recurring which may affect the payment order of transactions and the application of any Overdraft Service you have with us. You authorize us to accept transactions based upon the coding submitted by third parties; and that we may rely upon such coding in processing all transactions and services for you. We can terminate your participation in any Overdraft Service at any time without notice if: (1) you are in default under the terms of your services agreement or the terms of the Consumer Membership Account Agreement and Disclosures; (2) you are in default or subject to cancellation of services under any other agreements with the Credit Union; (3) your services are subject to cancellation under any Credit Union policies or procedures; (4) the Credit Union is required to terminate or limit any services under any applicable laws, regulations, rules or other governmental requirements; or", "samples": [{"hash": "lvfLfBnV6ip", "uri": "/contracts/lvfLfBnV6ip#overdraft-services", "label": "Business Membership Account Agreement", "score": 26.2470910335, "published": true}], "size": 3, "hash": "b921bf883040649f42a2a9dd8e0d1b9f", "id": 3}, {"snippet_links": [{"key": "checking-accounts", "type": "clause", "offset": [47, 64]}, {"key": "our-discretion", "type": "clause", "offset": [100, 114]}, {"key": "your-account-balance", "type": "clause", "offset": [135, 155]}, {"key": "time-of-settlement", "type": "clause", "offset": [163, 181]}, {"key": "we-do-not-pay", "type": "clause", "offset": [217, 230]}, {"key": "returned-unpaid", "type": "clause", "offset": [247, 262]}, {"key": "nsf-fee", "type": "definition", "offset": [270, 277]}, {"key": "the-merchant", "type": "definition", "offset": [290, 302]}, {"key": "return-fee", "type": "definition", "offset": [325, 335]}], "snippet": "This service comes standard with most business checking accounts. We will consider paying items, at our discretion and for a fee, when your account balance at the time of settlement is not enough to cover an item. If we do not pay the item, it is returned unpaid and an NSF fee is charged. The merchant also may charge you a return fee.", "samples": [{"hash": "5rL7LoIOunu", "uri": "/contracts/5rL7LoIOunu#overdraft-services", "label": "Business Deposit Account Agreement", "score": 27.9801505818, "published": true}, {"hash": "8iP0OoWNrbT", "uri": "/contracts/8iP0OoWNrbT#overdraft-services", "label": "Business Deposit Account Agreement", "score": 26.5058179329, "published": true}], "size": 2, "hash": "a755713d1e2774ff3dfe0bcf733e488a", "id": 4}, {"snippet_links": [{"key": "not-offer", "type": "clause", "offset": [6, 15]}, {"key": "sufficient-funds", "type": "definition", "offset": [72, 88]}, {"key": "process-a", "type": "definition", "offset": [129, 138]}, {"key": "where-applicable", "type": "clause", "offset": [163, 179]}, {"key": "atm-and-debit-card-transactions", "type": "clause", "offset": [181, 212]}, {"key": "your-available-balance", "type": "clause", "offset": [228, 250]}, {"key": "authorized-debit", "type": "clause", "offset": [340, 356]}, {"key": "card-authorization", "type": "clause", "offset": [403, 421]}, {"key": "the-agreement", "type": "clause", "offset": [434, 447]}, {"key": "negative-balance", "type": "clause", "offset": [536, 552]}, {"key": "resulting-from", "type": "definition", "offset": [583, 597]}, {"key": "days-or-more", "type": "clause", "offset": [675, 687]}, {"key": "we-may-close-your-account", "type": "clause", "offset": [689, 714]}, {"key": "right-to", "type": "definition", "offset": [731, 739]}, {"key": "permitted-by-law", "type": "clause", "offset": [782, 798]}], "snippet": "We do not offer overdraft services or charge fees for overdrafts or non-sufficient funds. We typically will return or decline to process a transaction (including, where applicable, ATM and debit card transactions) if it exceeds your Available Balance. However, it is still possible for you to overdraft your Account, such as when we settle authorized debit card transactions, as discussed in the \u201cDebit Card Authorization\u201d section of the Agreement, or if a deposit you make is returned. You must make a deposit immediately to cover any negative balance, including a negative balance resulting from an overdraft. If your Account has a negative balance for sixty (60) calendar days or more, we may close your Account. We reserve the right to close your Account at an earlier date, as permitted by law.", "samples": [{"hash": "c9gyd0Lxg2N", "uri": "/contracts/c9gyd0Lxg2N#overdraft-services", "label": "Stride Business Deposit Account Agreement", "score": 34.0638405823, "published": true}, {"hash": "6aWUKdqdyw9", "uri": "/contracts/6aWUKdqdyw9#overdraft-services", "label": "Stride Business Deposit Account Agreement", "score": 33.9949988077, "published": true}], "size": 2, "hash": "276b2127e62a8e1a670044a532183d51", "id": 5}, {"snippet_links": [{"key": "not-offer", "type": "clause", "offset": [6, 15]}, {"key": "sufficient-funds", "type": "definition", "offset": [72, 88]}, {"key": "process-a", "type": "definition", "offset": [129, 138]}, {"key": "where-applicable", "type": "clause", "offset": [163, 179]}, {"key": "atm-and-debit-card-transactions", "type": "clause", "offset": [181, 212]}, {"key": "your-available-balance", "type": "clause", "offset": [228, 250]}, {"key": "authorized-debit", "type": "clause", "offset": [459, 475]}, {"key": "card-authorization", "type": "clause", "offset": [522, 540]}, {"key": "the-agreement", "type": "clause", "offset": [553, 566]}, {"key": "negative-balance", "type": "clause", "offset": [655, 671]}, {"key": "resulting-from", "type": "definition", "offset": [702, 716]}, {"key": "without-notice", "type": "definition", "offset": [731, 745]}, {"key": "days-or-more", "type": "clause", "offset": [834, 846]}, {"key": "we-may-close-your-account", "type": "clause", "offset": [848, 873]}, {"key": "right-to", "type": "definition", "offset": [890, 898]}, {"key": "permitted-by-law", "type": "clause", "offset": [941, 957]}], "snippet": "We do not offer overdraft services or charge fees for overdrafts or non-sufficient funds. We typically will return or decline to process a transaction (including, where applicable, ATM and debit card transactions) if it exceeds your Available Balance. However, it is still possible for you to overdraft your Account, such as when you write checks (since there is a delay between when you write the check and when we receive it for processing), when we settle authorized debit card transactions, as discussed in the \u201cDebit Card Authorization\u201d section of the Agreement, or if a deposit you make is returned. You must make a deposit immediately to cover any negative balance, including a negative balance resulting from an overdraft, without notice or other demand from us. If your Account has a negative balance for sixty (60) calendar days or more, we may close your Account. We reserve the right to close your Account at an earlier date, as permitted by law.", "samples": [{"hash": "7szYURIE4bA", "uri": "/contracts/7szYURIE4bA#overdraft-services", "label": "Holdings Consumer Deposit Account Agreement Disclosures", "score": 34.0516818865, "published": true}], "size": 2, "hash": "579a352e7e66749fd441cbe697f0889b", "id": 6}, {"snippet_links": [{"key": "the-transaction", "type": "clause", "offset": [0, 15]}, {"key": "the-non", "type": "clause", "offset": [19, 26]}, {"key": "the-account", "type": "clause", "offset": [63, 74]}, {"key": "atm-transaction-fee", "type": "definition", "offset": [149, 168]}, {"key": "atm-fee", "type": "clause", "offset": [170, 177]}, {"key": "all-other-transactions", "type": "clause", "offset": [230, 252]}, {"key": "account-a", "type": "definition", "offset": [286, 295]}, {"key": "example-below", "type": "clause", "offset": [341, 354]}, {"key": "to-pay", "type": "clause", "offset": [366, 372]}, {"key": "retail-store", "type": "definition", "offset": [377, 389]}, {"key": "the-merchant", "type": "definition", "offset": [415, 427]}, {"key": "ach-transaction", "type": "definition", "offset": [434, 449]}, {"key": "paper-checks", "type": "clause", "offset": [475, 487]}, {"key": "with-the-bank", "type": "clause", "offset": [502, 515]}, {"key": "transaction-posting-order", "type": "clause", "offset": [518, 543]}, {"key": "check-number", "type": "clause", "offset": [569, 581]}, {"key": "transaction-type", "type": "definition", "offset": [625, 641]}, {"key": "transaction-amount", "type": "definition", "offset": [650, 668]}, {"key": "previous-balance", "type": "definition", "offset": [677, 693]}, {"key": "medical-bill", "type": "definition", "offset": [961, 973]}, {"key": "joint-owner", "type": "definition", "offset": [1255, 1266]}, {"key": "checking-account", "type": "definition", "offset": [1284, 1300]}, {"key": "customer-service", "type": "definition", "offset": [1309, 1325]}, {"key": "bank-representative", "type": "definition", "offset": [1437, 1456]}, {"key": "the-couple", "type": "clause", "offset": [1633, 1643]}, {"key": "utility-bill", "type": "definition", "offset": [1764, 1776]}, {"key": "wire-transfer-fee", "type": "definition", "offset": [1799, 1816]}, {"key": "atm-withdrawal", "type": "clause", "offset": [1822, 1836]}, {"key": "business-day", "type": "clause", "offset": [1875, 1887]}, {"key": "bank-wire-fee", "type": "clause", "offset": [1973, 1986]}, {"key": "check-transactions", "type": "clause", "offset": [2022, 2040]}, {"key": "debit-card-transaction", "type": "definition", "offset": [2100, 2122]}, {"key": "your-statement", "type": "clause", "offset": [2374, 2388]}, {"key": "overdraft-fees", "type": "clause", "offset": [2449, 2463]}, {"key": "overdraft-protection", "type": "definition", "offset": [2561, 2581]}, {"key": "overdraft-transfers", "type": "clause", "offset": [2600, 2619]}, {"key": "sufficient-funds", "type": "definition", "offset": [2726, 2742]}, {"key": "return-item", "type": "definition", "offset": [2783, 2794]}, {"key": "utility-company", "type": "clause", "offset": [2997, 3012]}, {"key": "returned-unpaid", "type": "clause", "offset": [3061, 3076]}, {"key": "city-national-bank", "type": "definition", "offset": [3711, 3729]}, {"key": "account-options", "type": "clause", "offset": [3770, 3785]}, {"key": "an-appropriate", "type": "clause", "offset": [3798, 3812]}, {"key": "available-options", "type": "clause", "offset": [3878, 3895]}, {"key": "returned-items", "type": "definition", "offset": [3944, 3958]}, {"key": "the-customers", "type": "clause", "offset": [3979, 3992]}, {"key": "questions-or-concerns", "type": "clause", "offset": [4190, 4211]}, {"key": "business-hours", "type": "definition", "offset": [4232, 4246]}, {"key": "online-banking", "type": "definition", "offset": [4358, 4372]}, {"key": "secure-message", "type": "clause", "offset": [4385, 4399]}, {"key": "service-business", "type": "definition", "offset": [4439, 4455]}, {"key": "branch-locations", "type": "clause", "offset": [4470, 4486]}], "snippet": "The transaction at the non-CNB ATM was finalized and posted to the account on January 11th. The withdrawal (ATM W/D) would post first followed by an ATM transaction fee (ATM Fee) since the ATM that was used did not belong to CNB. All other transactions were finalized and posted to the account a couple of days later on January 13th. In the example below, the check to pay the retail store (#1651) was converted by the merchant to an ACH transaction and will post before the paper checks in accordance with the Bank\u2019s Transaction Posting Order. The checks then post in check number order, from lowest to highest. Date Posted Transaction Type Check # Transaction Amount Balance Previous Balance 1,569.00 1/11/2024 ATM W/D -303.00 1,266.00 1/11/2024 ATM Fee -2.00 1,264.00 1/13/2024 ACH Purchase Retail 1651 -86.00 1,178.00 1/13/2024 Check 1649 -115.00 1,063.00 1/13/2024 Check 1650 -95.00 968.00 On the morning of Friday, January 26th, \u2587\u2587\u2587\u2587\u2587\u2587\u2587 sat down to pay a medical bill. He wrote a check (#1001) to his doctor\u2019s office in the amount of $82.00 and placed it in the mail. On his way out to work that morning, he withdrew $400.00 from a CNB ATM so that he could take his wife out to the theater that coming weekend. Just before lunch, Virginia, who is a joint owner on her husband\u2019s checking account, called Customer Service and requested a wire transfer for $1,500.00 be sent to her daughter who is attending college out-of-state. The bank representative informed Virginia that a fee of $25.00 would apply to the wire transfer. \u2587\u2587\u2587\u2587\u2587\u2587\u2587, unaware of the wire transfer, continued to conduct transactions on the account. That evening, the couple went out to dinner and paid with a debit card, $65.00. The next morning, \u2587\u2587\u2587\u2587\u2587\u2587\u2587 wrote another check (#1002) to pay his utility bill of $100.00. The wire, wire transfer fee, and ATM withdrawal would post to the account on the same business day in the following order: wire (Wire Transfer), ATM withdrawal (ATM W/D), and last the bank wire fee (Wire Transfer Fee). The debit and check transactions would post after they were finalized a few days later. The debit card transaction (D/C TRN) would post first followed by the checks (Check) which then post in check number order, from lowest to highest. In the example above, funds are not sufficient to pay the checks (#1001 and #1002) therefore a $25.00 overdraft fee, reflected on your statement as OD Item Fee, was charged for each item, totaling $50.00. Overdraft fees post after each transaction that causes an account to become overdrawn. The account did not have Overdraft Protection or Pre-Authorized Overdraft Transfers. Therefore, the checks were returned and the two overdraft fees (OD Item Fee) were reversed. A $25.00 non-sufficient funds fee, reflected on your statement as NSF Return Item Fee, was charged for each transaction that caused the account to become overdrawn. The customer would incur fees totaling $50.00. The payee, to whom the checks were written (the doctor\u2019s office and the utility company), may also charge a fee due to the checks being returned unpaid. Date Posted Transaction Type Check # Transaction Amount Balance Previous Balance 2,020.00 1/26/2024 Wire Transfer -1,500.00 520.00 1/26/2024 ATM W/D -400.00 120.00 1/26/2024 Wire Transfer Fee -25.00 95.00 1/31/2024 D/C TRN -65.00 30.00 1/31/2024 Check 1001 -82.00 -52.00 1/31/2024 OD Item Fee -25.00 -77.00 1/31/2024 Check 1002 -100.00 -177.00 1/31/2024 OD Item Fee -25.00 -202.00 2/1/2024 Return Item Credit 82.00 -120.00 2/1/2024 Return Item Credit 100.00 -20.00 2/1/2024 Reverse OD Item Fee 25.00 5.00 2/1/2024 Reverse OD Item Fee 25.00 30.00 2/1/2024 NSF Return Item Fee -25.00 5.00 2/1/2024 NSF Return Item Fee -25.00 -20.00 At City National Bank we strive to inform our customers about account options that may be an appropriate solution for their specific needs. The scenarios below highlight available options to help our customers avoid unnecessary fees or returned items. In both scenarios, the customers may have avoided overdraft and non-sufficient funds fees if they had followed the tips described in the section titled Tips to Avoid Overdraft and Non-Sufficient Funds Fees. If you have additional questions or concerns, Call us during our business hours at \u2587-\u2587\u2587\u2587-\u2587\u2587\u2587-\u2587\u2587\u2587\u2587, write to us at PO Box 2009, Lawton, OK 73502-2009, visit any CNB branch or log into CityNET Online Banking and use the secure message or CNB chat feature. Find our customer service business hours and our branch locations at www. \u2587\u2587\u2587\u2587\u2587\u2587\u2587.\u2587\u2587\u2587.", "samples": [{"hash": "1aE9syLVNCS", "uri": "/contracts/1aE9syLVNCS#overdraft-services", "label": "Consumer Deposit Account Agreement", "score": 35.3273819145, "published": true}], "size": 1, "hash": "d4a1f67cb5648fa63633f3c21168ede8", "id": 7}, {"snippet_links": [{"key": "overdraft-service", "type": "clause", "offset": [25, 42]}, {"key": "checking-accounts", "type": "clause", "offset": [115, 132]}, {"key": "the-credit-union", "type": "definition", "offset": [134, 150]}], "snippet": "We offer a discretionary overdraft service (Standard Overdraft and Expanded Overdraft) to cover overdrafts on your checking accounts. The Credit Union offers Standard Overdraft to eligible checking", "samples": [{"hash": "ihQa2Nnh3sT", "uri": "/contracts/ihQa2Nnh3sT#overdraft-services", "label": "Business Membership and Account Agreement", "score": 30.9652199691, "published": true}], "size": 1, "hash": "0371e607bcc4e27da9e947b9b8b1943a", "id": 8}, {"snippet_links": [{"key": "overdraft-protection", "type": "definition", "offset": [25, 45]}, {"key": "first-level", "type": "clause", "offset": [51, 62]}, {"key": "overdraft-transfers", "type": "clause", "offset": [73, 92]}, {"key": "available-funds", "type": "clause", "offset": [131, 146]}, {"key": "line-of-credit-account", "type": "definition", "offset": [179, 201]}, {"key": "to-pay", "type": "clause", "offset": [202, 208]}, {"key": "your-checking-account", "type": "clause", "offset": [228, 249]}, {"key": "available-balance", "type": "clause", "offset": [277, 294]}, {"key": "debit-card-transactions", "type": "definition", "offset": [321, 344]}, {"key": "the-transaction", "type": "clause", "offset": [387, 402]}, {"key": "determine-whether", "type": "clause", "offset": [407, 424]}, {"key": "your-account", "type": "definition", "offset": [425, 437]}, {"key": "presented-to", "type": "definition", "offset": [497, 509]}, {"key": "for-settlement", "type": "clause", "offset": [513, 527]}, {"key": "transfer-fee", "type": "definition", "offset": [557, 569]}, {"key": "fee-schedule", "type": "definition", "offset": [607, 619]}, {"key": "overdraft-privilege-program", "type": "clause", "offset": [659, 686]}], "snippet": "We offer three levels of overdraft protection. The first level is called Overdraft Transfers. This service automatically transfers available funds from your designated savings or line of credit account to pay a transaction when your checking account does not have a sufficient Available Balance. Except for point-of-sale debit card transactions, which we may preauthorize at the time of the transaction, we determine whether your account has a sufficient Available Balance when the transaction is presented to us for settlement. We will charge an Overdraft Transfer fee for this service as set forth in the Fee Schedule. This fee is less than the fee for the Overdraft Privilege Program described below. To use this", "samples": [{"hash": "6R9t4MVHtX1", "uri": "/contracts/6R9t4MVHtX1#overdraft-services", "label": "Consumer Deposit Agreement", "score": 35.1489529025, "published": true}], "size": 1, "hash": "e232055719eb648fdbb17ebb705d7b46", "id": 9}, {"snippet_links": [{"key": "participate-in", "type": "definition", "offset": [7, 21]}, {"key": "standard-overdraft-practices", "type": "clause", "offset": [22, 50]}, {"key": "overdraft-protection-plans", "type": "clause", "offset": [54, 80]}, {"key": "prior-to", "type": "definition", "offset": [109, 117]}, {"key": "the-customer", "type": "definition", "offset": [173, 185]}, {"key": "payment-of", "type": "definition", "offset": [238, 248]}, {"key": "debit-card-transactions", "type": "definition", "offset": [258, 281]}, {"key": "atm-withdrawals", "type": "clause", "offset": [286, 301]}, {"key": "other-transactions", "type": "clause", "offset": [376, 394]}, {"key": "your-checking-account", "type": "clause", "offset": [409, 430]}, {"key": "the-bank-may", "type": "clause", "offset": [461, 473]}, {"key": "application-of-the", "type": "clause", "offset": [550, 568]}, {"key": "will-work", "type": "clause", "offset": [598, 607]}, {"key": "customer-for", "type": "clause", "offset": [622, 634]}, {"key": "contact-us", "type": "clause", "offset": [753, 763]}, {"key": "consumer-fee-schedule", "type": "definition", "offset": [792, 813]}], "snippet": "If you participate in standard overdraft practices or overdraft protection plans, the Sweep will occur first prior to any other overdraft practice or plan that is set up on the Customer\u2019s account. If you have opted out from the overdraft payment of one time debit card transactions and ATM withdrawals, any debit card transaction will be declined but the Sweep will occur for other transactions that overdraw your Checking Account. There may be instances where the Bank may charge the Customer the overdraft item fee and the Sweep Fee because of the application of the Sweep Fee. However, the Bank will work to rebate the customer for the overdraft item fee. If you believe that you have been charged an overdraft item fee or Sweep Fee in error, please contact us. Please see your applicable Consumer Fee Schedule for current fees.", "samples": [{"hash": "6axjwnDxogc", "uri": "/contracts/6axjwnDxogc#overdraft-services", "label": "Savings Account Sweep Agreement", "score": 23.4161533196, "published": true}], "size": 1, "hash": "d02b84ac4fbbc13496294586ed8894c3", "id": 10}], "next_curs": "ClsSVWoVc35sYXdpbnNpZGVyY29udHJhY3RzcjcLEhZDbGF1c2VTbmlwcGV0R3JvdXBfdjU2IhtvdmVyZHJhZnQtc2VydmljZXMjMDAwMDAwMGEMogECZW4YACAA", "clause": {"children": [["overdraft-services-opt-out", "Overdraft Services Opt Out"], ["overdraft-protection", "Overdraft Protection"], ["overdraw-transfer", "Overdraw Transfer"], ["card-overdraft", "Card Overdraft"]], "title": "Overdraft Services", "parents": [["par-value-of-shares", "Par Value of Shares"], ["representative-payee-accounts", "Representative Payee Accounts"], ["overdrafts-and-overdraft-transfer", "Overdrafts and Overdraft Transfer"], ["protecting-your-account-and-your-information", "Protecting your Account and your Information"], ["cashing-checks", "Cashing Checks"]], "size": 23, "id": "overdraft-services", "related": [["cash-management-services", "Cash Management Services", "Cash Management Services"], ["online-banking-services", "Online Banking Services", "Online Banking Services"], ["mobile-banking-services", "Mobile Banking Services", "Mobile Banking Services"], ["eft-services", "EFT SERVICES", "EFT SERVICES"], ["overdrafts", "Overdrafts", "Overdrafts"]], "related_snippets": [], "updated": "2025-07-07T16:38:45+00:00"}, "json": true, "cursor": ""}}