Common use of Payment of Overdrafts Clause in Contracts

Payment of Overdrafts. If, on any day, the available funds in your checking or savings account(s) are not sufficient to pay the full amount of a check, transaction or other items posted to your account plus any applicable fee (“overdraft”), we may pay or return the overdraft. The credit union’s determination of an insufficient available account balance may be made at any time between presentation and the credit union’s midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted for payment the credit union may charge an additional fee. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or if you do not have such a plan, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking share or savings account(s) deposit account are not sufficient to pay the full amount of a check, transaction draft, transaction, or other items item posted to your account plus any applicable fee (“"overdraft”"), we may pay or return the overdraft. The credit union’s Credit Union's determination of an insufficient available account balance may be made at any time between presentation and the credit union’s Credit Union's midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted for payment the credit union may charge an additional fee. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or or, if you do not have such a planplan with us, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking share or savings account(s) deposit account are not sufficient to pay the full amount of a check, draft, item, transaction or other items posted to your account plus any applicable fee (“overdraft”), we may pay or return the overdraft. The credit union’s determination of an insufficient available account balance may be made at any time between presentation and the credit union’s midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted for payment the credit union may charge an additional fee. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or or, if you do not have such a plan, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking share or savings account(s) deposit account are not sufficient to pay the full amount of a check, draft, item, transaction or other items posted to your account plus any applicable fee (“overdraft”), we may pay or return the overdraft. The credit union’s determination of an insufficient available account balance may be made at any time between presentation and the credit union’s midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted for payment the credit union may charge an additional fee. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or if you do not have such a plan, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking share or savings account(s) deposit account are not sufficient to pay the full amount of a check, draft, item, transaction or other items posted to your account plus any applicable fee (“"overdraft”"), we may pay or return the overdraft. The credit union’s 's determination of an insufficient available account balance may be made at any time between presentation and the credit union’s 's midnight deadline with only one (1) review of the account required. We W e do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted for payment the credit union may charge an additional fee. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or plan, or, if you do not have such a plan, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking share or savings account(s) deposit account are not sufficient to pay the full amount of a check, transaction draft, transaction, or other items item posted to your account plus any applicable fee (“overdraft”), we may pay or return the overdraft. The credit unionCredit Union’s determination of an insufficient available account balance may be made at any time between presentation and the credit unionCredit Union’s midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted For ATM and one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for payment the credit union transaction amount to be covered under the plan. Without your consent, the Credit Union may charge not authorize and pay an additional feeoverdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or or, if you do not have such a planplan with us, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking share or savings account(s) deposit account are not sufficient to pay the full amount of a check, transaction draft, transaction, or other items item posted to your account plus any applicable fee (“overdraft”), we may pay or return the overdraft. The credit unionCredit Union’s determination of an insufficient available account balance may be made at any time between presentation and the credit unionCredit Union’s midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for payment the credit union transaction amount to be covered under the plan. Without your consent, the Credit Union may charge not authorize and pay an additional feeoverdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or or, if you do not have such a planplan with us, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking or savings account(s) share account are not sufficient to pay the full amount of a check, draft, item, transaction or other items posted to your account plus any applicable fee (“"overdraft”"), we may pay or return the overdraft. The credit union’s 's determination of an insufficient available account balance may be made at any time between presentation and the credit union’s 's midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted for payment the credit union may charge an additional fee. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or or, if you do not have such a plan, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking share or savings account(s) deposit account are not sufficient to pay the full amount of a check, draft, item, transaction or other items posted to your account plus any applicable fee (“"overdraft”"), we may pay or return the overdraft. The credit union’s 's determination of an insufficient available account balance may be made at any time between presentation and the credit union’s 's midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted for payment the credit union may charge an additional fee. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or or, if you do not have such a plan, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking share or savings account(s) deposit account are not sufficient to pay the full amount of a check, draft, item, transaction or other items posted to your account plus any applicable fee (“overdraft”), we may pay or return the overdraft. The credit union’s determination of an insufficient available account balance may be made at any time between presentation and the credit union’s midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted for payment the credit union may charge an additional fee. Except as otherwise agreed in writing, if If we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or or, if you do not have such a plan, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking share or savings account(s) deposit account are not sufficient to pay the full amount of a check, draft, item, transaction or other items posted to your account plus any applicable fee (“overdraft”), we may pay or return the overdraft. The credit union’s determination of an insufficient available account balance may be made at any time between presentation and the credit union’s midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted for payment the credit union may charge an additional fee. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or or, if you do not have such a plan, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking share or savings account(s) deposit account are not sufficient to pay the full amount of a check, draft, item, transaction or other items posted to your account plus any applicable fee (“"overdraft”"), we may pay or return the overdraft. The credit union’s 's determination of an insufficient available account balance may be made at any time between presentation and the credit union’s 's midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted for payment the credit union may charge an additional fee. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or plan, or, if you do not have such a plan, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking share or savings account(s) deposit account are not sufficient to pay the full amount of a check, transaction draft, transaction, or other items item posted to your account plus any applicable fee (“overdraft”―overdraft‖), we may pay or return the overdraft. The credit unionCredit Union’s determination of an insufficient available account balance may be made at any time between presentation and the credit unionCredit Union’s midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted for payment the credit union may charge an additional fee. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or or, if you do not have such a planplan with us, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking share or savings account(s) deposit account are not sufficient to pay the full amount of a check, draft, item, transaction or other items item posted to your account plus any applicable fee (“overdraft”" Overdraft" ), we w e may pay or return the overdraftOverdraft. The credit union’s Credit Union' s determination of an insufficient available account balance may be made at any time between betw een presentation and the credit union’s Credit Union' s midnight deadline with w ith only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraftOverdraft. Your account may be subject to a charge for each overdraft Overdraft regardless of whether we w hether w e pay or return the overdraft. If a previously returned item is resubmitted for payment the credit union may charge an additional feeOverdraft. Except as otherwise otherw ise agreed in writingw riting, if we w e exercise our right to use our discretion to pay an overdraftOverdraft, we w e do not agree to pay overdrafts Overdrafts in the future and may discontinue covering overdrafts Overdrafts at any time without w ithout notice. If we w e pay an overdraft Overdraft or impose a fee that overdraws overdraw s your account, you agree to pay the overdrawn overdraw n amount in accordance with w ith your overdraft protection plan or plan, or, if you do not have such a plan, in accordance with w ith our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking share or savings account(s) deposit account are not sufficient to pay the full amount of a check, transaction draft, transaction, or other items item posted to your account plus any applicable fee (“overdraft”), we may pay or return the overdraft. The credit unionCredit Union’s determination of an insufficient available account balance may be made at any time between presentation and the credit unionCredit Union’s midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted For ATM and one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for payment the credit union transaction amount to be covered under the plan. Without your consent, the Credit Union may charge not authorize and pay an additional feeoverdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or or, if you do not have such a planplan with us, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking share or savings account(s) deposit account are not sufficient to pay the full amount of a check, draft, item, transaction or other items posted to your account plus any applicable fee (“overdraft”), we may pay or return the overdraft. The credit union’s determination of an insufficient a non-sufficient available account balance may be made at any time between presentation and the credit union’s midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an and overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or payroll return the overdraft. If a previously returned item is resubmitted for payment the credit union may charge an additional fee. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or plan, or, if you do not have such a plan, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking share or savings account(s) deposit account are not sufficient to pay the full amount of a check, draft, item, transaction or other items item posted to your account plus any applicable fee (“overdraft”"Overdraft"), we may pay or return the overdraftOverdraft. The credit union’s Credit Union's determination of an insufficient available account balance may be made at any time between presentation and the credit union’s Credit Union's midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraftOverdraft. Your account may be subject to a charge for each overdraft Overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted for payment the credit union may charge an additional feeOverdraft. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraftOverdraft, we do not agree to pay overdrafts Overdrafts in the future and may discontinue covering overdrafts Overdrafts at any time without notice. If we pay an overdraft Overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or or, if you do not have such a plan, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking share or savings account(s) deposit account are not sufficient to pay the full amount of a check, draft, item, transaction or other items posted to your account plus any applicable fee (“overdraft”), we may pay or return the overdraft. The credit union’s determination of an insufficient available account balance may be made at any time between presentation and the credit union’s midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted for payment the credit union may charge an additional fee. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee tee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or or, if you do not have such a plan, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking share or savings account(s) deposit account are not sufficient to pay the full amount of a check, draft, item. transaction or other items posted to your account plus any applicable fee (“overdraft”), we may pay or return the overdraft. The credit union’s determination of an insufficient available account balance may be made at any time between presentation and the credit union’s midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted for payment the credit union may charge an additional fee. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or or, if you do not have such a plan, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking or savings account(s) are not sufficient to pay the full amount of a check, transaction or other items posted to your account plus any applicable fee (“overdraft”), we may pay or return the overdraft. The credit union’s determination of an insufficient available account balance may be made at any time between presentation and the credit union’s midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted for payment the credit union may charge an additional fee. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or if you do not have such a plan, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking share or savings account(s) deposit account are not sufficient to pay the full amount of a check, transaction draft, transaction, or other items item posted to your account plus any applicable fee (“overdraft”), we may pay or return the overdraft. The credit unionCredit Union’s determination of an insufficient available account balance may be made at any time between presentation and the credit unionCredit Union’s midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted For ATM and one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for payment the credit union transaction amount to be covered under the plan. Without your consent, the Credit Union may charge not authorize and pay an additional feeoverdraft resulting from these types of transactions. Services and fees for overdrafts are show in the document the Credit Union uses to capture member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or or, if you do not have such a planplan with us, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking share or savings account(s) deposit account are not sufficient to pay the full amount of a check, transaction draft, transaction, or other items item posted to your account plus any applicable fee (“overdraft”), we may pay or return the overdraft. The credit unionCredit Union’s determination of an insufficient available account balance may be made at any time between presentation and the credit unionCredit Union’s midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted for payment the credit union may charge an additional fee. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or or, if you do not have such a planplan with us, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking share or savings account(s) deposit account are not sufficient to pay the full amount of a check, draft, item, transaction or other items posted to your account plus any applicable fee (“"overdraft”"), we may pay or return the overdraft. The credit union’s 's determination of an insufficient available account balance may be made at any time between presentation and the credit union’s 's midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted for payment the credit union may charge an additional fee. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or or, if you do not have such a plan, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking share or savings account(s) deposit account are not sufficient to pay the full amount of a check, transaction draft, item, transaction, or other items item posted to your account plus any applicable fee (“overdraft”), we may pay or return the overdraft. The credit unionCredit Union’s determination of an insufficient available account balance may be made at any time between presentation and the credit unionCredit Union’s midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted for payment the credit union may charge an additional fee. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or or, if you do not have such a plan, in accordance with our overdraft payment policy.

Payment of Overdrafts. If, on any day, the available funds in your checking share or savings account(s) deposit account are not sufficient to pay the full amount of a check, transaction draft, transaction, or other items item posted to your account plus any applicable fee (“"overdraft”), we may pay or return the overdraft. The credit union’s Credit Union' s determination of an insufficient available account balance may be made at any time between presentation and the credit union’s Credit Union' s midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. Your account may be subject to a charge for each h overdraft regardless of whether we pay or return the overdraft. If a previously returned item is resubmitted Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for payment overdrafts are shown in the credit union may charge an additional feedocument the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws overdraw s your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or or, if you do not have such a planplan with us, in accordance with our overdraft payment policy.