Your Use of a Checking Account with Us a. Completing Your Checks and Check Register When you write a check drawn on a checking account with us, you must write your payee’s name, complete the numerical and written amount lines on the check and sign your name. Always begin by writing the payee’s name and the amounts at the start of the far- left side of these lines to avoid leaving any spaces; this will reduce the risk of your check being altered. It is also important to draw a line after the payee’s name and after the written amount to protect yourself against alterations. Please make sure all information you write on your check is legible. Finally, make sure the numerical and written amounts of your check match, since the written amount is likely the amount we may pay from the account. If the amounts do not match, you agree we may pay either amount or return the check unpaid, at our sole discretion.
Your Use of a Checking Account with Us a. Completing Your Checks and Check Register When you write a check drawn on a checking account with us, you must write your payee’s name, complete the numerical and written amount lines on the check and sign your name. Always begin by writing the payee’s name and the amounts at the start of the far-left side of these lines to avoid leaving any spaces; this will reduce the risk of your check being altered. It is also important to draw a line after the payee’s name and after the written amount to protect yourself against alterations. Please make sure all infor- mation you write on your check is legible. Finally, make sure the numerical and written amounts of your check match, since the written amount is likely the amount we may pay from the account. If the amounts do not match, you agree we may pay either amount or return the check unpaid, at our sole discretion. Once completed, you should write the check number, amount, date, payee’s name and purpose in your check register or pay- ment records, and deduct the amount of the check from the bal- ance. This helps you to keep track of the current balance of an account, which in turn helps you avoid insufficient funds or over- draft service charges. It also allows you to detect and report checks with alterations and forged drawer’s signatures (please see Provision 15.b.). Please use dark permanent ink (preferably black ink) to complete and sign your checks. You agree you are responsible for any losses incurred for your checks if you do not use a dark permanent ink when writing your checks. You should also keep your checks in a secure location and separate from your ID so they are not stolen from you. If there are multiple rep- resentatives or a transactor on the account, each representative or transactor may sign (or authorize), issue and endorse checks in the business’s or organization’s name. If you require more than one signature on a check drawn on an account with us, you agree we may pay that check regardless of the number of signatures on it if the check is issued by a person authorized to conduct transac- tions on the account (please see Provision 5.a.). You understand when you write a check you are ordering us to pay the check, and that payment is proper even if you did not completely fill out or sign your check.
Your Use of a Checking Account with Us
