{"component": "definition", "props": {"groups": [{"snippet_links": [{"key": "demand-deposit-account", "type": "definition", "offset": [8, 30]}, {"key": "negotiable-order-of-withdrawal", "type": "definition", "offset": [40, 70]}, {"key": "money-market-account", "type": "definition", "offset": [110, 130]}, {"key": "at-the-bank", "type": "clause", "offset": [131, 142]}, {"key": "bank-website", "type": "definition", "offset": [169, 181]}, {"key": "certificate-of-deposit", "type": "definition", "offset": [216, 238]}, {"key": "the-website", "type": "clause", "offset": [286, 297]}, {"key": "in-person", "type": "clause", "offset": [301, 310]}, {"key": "automated-teller-machine", "type": "definition", "offset": [328, 352]}, {"key": "visa-debit-card", "type": "clause", "offset": [367, 382]}, {"key": "now-account", "type": "definition", "offset": [438, 449]}, {"key": "personal-identification-number", "type": "definition", "offset": [467, 497]}, {"key": "in-connection-with", "type": "clause", "offset": [506, 524]}, {"key": "your-card", "type": "clause", "offset": [525, 534]}, {"key": "bank-accounts", "type": "definition", "offset": [605, 618]}, {"key": "personal-computer", "type": "definition", "offset": [629, 646]}, {"key": "electronic-terminal", "type": "definition", "offset": [656, 675]}, {"key": "access-device", "type": "definition", "offset": [678, 691]}, {"key": "other-device", "type": "definition", "offset": [723, 735]}, {"key": "available-to", "type": "definition", "offset": [752, 764]}, {"key": "your-accounts", "type": "clause", "offset": [779, 792]}, {"key": "business-day", "type": "clause", "offset": [795, 807]}, {"key": "monday-through-friday", "type": "clause", "offset": [815, 836]}, {"key": "federal-holidays", "type": "definition", "offset": [845, 861]}, {"key": "authorized-user", "type": "definition", "offset": [868, 883]}, {"key": "any-person", "type": "definition", "offset": [891, 901]}, {"key": "permit-to-use", "type": "clause", "offset": [919, 932]}, {"key": "other-access", "type": "clause", "offset": [956, 968]}, {"key": "obtain-information", "type": "clause", "offset": [1047, 1065]}, {"key": "terms-used", "type": "definition", "offset": [1154, 1164]}, {"key": "atm-safety", "type": "clause", "offset": [1240, 1250]}, {"key": "funds-transfers", "type": "clause", "offset": [1253, 1268]}, {"key": "other-electronic-fund-transfer-services", "type": "clause", "offset": [1271, 1310]}, {"key": "liability-for", "type": "clause", "offset": [1313, 1326]}, {"key": "electronic-transfers", "type": "definition", "offset": [1340, 1360]}, {"key": "types-of-electronic-fund-transfers", "type": "clause", "offset": [1449, 1483]}, {"key": "services-for", "type": "clause", "offset": [1490, 1502]}, {"key": "your-checking-account", "type": "clause", "offset": [1503, 1524]}, {"key": "direct-deposits", "type": "clause", "offset": [1528, 1543]}, {"key": "arrange-for", "type": "clause", "offset": [1553, 1564]}, {"key": "preauthorized-credits", "type": "clause", "offset": [1624, 1645]}, {"key": "we-accept", "type": "definition", "offset": [1654, 1663]}, {"key": "your-deposit-accounts", "type": "definition", "offset": [1718, 1739]}, {"key": "bill-payment-service", "type": "definition", "offset": [1798, 1818]}, {"key": "transfer-funds", "type": "definition", "offset": [1851, 1865]}, {"key": "other-parties", "type": "clause", "offset": [1895, 1908]}, {"key": "the-account", "type": "clause", "offset": [1919, 1930]}, {"key": "automated-clearinghouse", "type": "definition", "offset": [1991, 2014]}, {"key": "by-wire-transfer", "type": "clause", "offset": [2067, 2083]}, {"key": "associated-with", "type": "definition", "offset": [2124, 2139]}, {"key": "the-transaction", "type": "clause", "offset": [2140, 2155]}, {"key": "schedule-of-fees", "type": "definition", "offset": [2176, 2192]}, {"key": "the-party", "type": "clause", "offset": [2218, 2227]}, {"key": "transfers-to-or-from", "type": "clause", "offset": [2314, 2334]}, {"key": "the-transfers", "type": "clause", "offset": [2349, 2362]}, {"key": "preauthorized-transfers", "type": "clause", "offset": [2383, 2406]}, {"key": "federal-regulations", "type": "clause", "offset": [2514, 2533]}, {"key": "pertaining-to", "type": "definition", "offset": [2534, 2547]}, {"key": "eft-services", "type": "clause", "offset": [2548, 2560]}, {"key": "benefits-and-protections", "type": "clause", "offset": [2591, 2615]}, {"key": "right-to-receive", "type": "clause", "offset": [2665, 2681]}, {"key": "a-copy-of", "type": "clause", "offset": [2682, 2691]}, {"key": "written-authorization", "type": "definition", "offset": [2697, 2718]}, {"key": "transfers-from", "type": "definition", "offset": [2741, 2755]}, {"key": "sale-transactions", "type": "definition", "offset": [2820, 2837]}, {"key": "atm-transactions", "type": "definition", "offset": [2839, 2855]}, {"key": "atm-cards", "type": "clause", "offset": [2857, 2866]}, {"key": "issued-by", "type": "definition", "offset": [2867, 2876]}, {"key": "our-property", "type": "clause", "offset": [2894, 2906]}, {"key": "the-card", "type": "clause", "offset": [2942, 2950]}, {"key": "at-any-time", "type": "clause", "offset": [2957, 2968]}, {"key": "for-any-reason", "type": "clause", "offset": [2969, 2983]}, {"key": "reasonable-precautions", "type": "definition", "offset": [3176, 3198]}, {"key": "any-other-person", "type": "definition", "offset": [3210, 3226]}, {"key": "another-person", "type": "definition", "offset": [3278, 3292]}, {"key": "card-and-pin", "type": "clause", "offset": [3305, 3317]}, {"key": "service-network", "type": "definition", "offset": [3449, 3464]}, {"key": "eft-network", "type": "definition", "offset": [3493, 3504]}, {"key": "atm-withdrawals", "type": "clause", "offset": [3508, 3523]}, {"key": "the-daily", "type": "clause", "offset": [3544, 3553]}, {"key": "authorization-limits", "type": "clause", "offset": [3554, 3574]}, {"key": "available-balance", "type": "definition", "offset": [3605, 3622]}, {"key": "the-deposit-account", "type": "clause", "offset": [3626, 3645]}, {"key": "equal-to", "type": "definition", "offset": [3691, 3699]}, {"key": "amount-requested", "type": "clause", "offset": [3704, 3720]}, {"key": "cash-disbursement", "type": "definition", "offset": [3771, 3788]}, {"key": "account-balances", "type": "definition", "offset": [3859, 3875]}, {"key": "if-available", "type": "definition", "offset": [3933, 3945]}, {"key": "your-savings-account", "type": "clause", "offset": [3987, 4007]}], "samples": [{"hash": "9SZLHlT7pYG", "uri": "/contracts/9SZLHlT7pYG#checking-account", "label": "Personal Deposit Account Agreement", "score": 32.8428688049, "published": true}, {"hash": "oKkm3qofrV", "uri": "/contracts/oKkm3qofrV#checking-account", "label": "Personal Deposit Account Agreement", "score": 25.8008213043, "published": true}, {"hash": "cwgHieQny1N", "uri": "/contracts/cwgHieQny1N#checking-account", "label": "Personal Deposit Account Agreement", "score": 25.1806983948, "published": true}], "snippet": "means a Demand Deposit account (DDA), a Negotiable Order of Withdrawal (NOW) account, a Savings account and a Money Market account at the Bank that you open through the Bank website; \"Account\" includes any Checking, Certificate of Deposit, or Savings account at the Bank opened through the Website or in person; \"Card\" means an automated teller machine card and/or a VISA debit card that accesses your Checking, Savings, Money Market, or NOW account; \"PIN\" means the personal identification number you use in connection with your Card; \"Password\" means the password you use to access the Website and your Bank Accounts through a personal computer or other electronic terminal; \"Access Device\" means your Card, Password, or other device or code we make available to you to access your Accounts; \"Business Day\" means Monday through Friday, except federal holidays; and \"Authorized User\" means any person you authorize or permit to use your Card, Password or other Access Device to access your Accounts, whether that person uses the Access Device to obtain information or to conduct a transaction. This EFT Agreement is part of the Banking Documents. Other terms used in this EFT agreement may be defined elsewhere in the Banking Documents. \u2022 ATM Safety \u2022 Funds Transfers \u2022 Other Electronic Fund Transfer Services \u2022 Liability For Unauthorized Electronic Transfers \u2022 Other Electronic Fund Transfer Services Types of Transactions\u200c We offer the following types of Electronic Fund Transfers (EFT) Services for your Checking Account. \u2022 Direct Deposits. You can arrange for direct deposits to your checking and savings account(s). \u2022 Preauthorized Credits/Debits. We accept, on your behalf preauthorized Credits/Debits drawn on your Deposit Accounts which allow unrestricted activity. Through our electronic bill payment service, you are able to electronically transfer funds from your Deposit Account to other parties, provided the account allows such activity. We may conduct these transactions via Automated Clearinghouse (ACH) transfer. We may also accept and direct funds by wire transfer. Each of these services has unique fees associated with the transaction. Please consult our Schedule of Fees herein. When you provide the party initiating the withdrawal or deposit with advance authorization to make recurring ACH transfers to or from your Account, the transfers are referred to as \"preauthorized transfers.\" Because these preauthorized transfers are performed electronically through the ACH, they are governed by federal regulations pertaining to EFT Services, which entitle you to certain benefits and protections in connection with the EFT Services, such as the right to receive a copy of your written authorization to make preauthorized transfers from your Account from the party that obtains it. \u2022 ATM and Point-of-Sale Transactions. ATM Transactions. ATM Cards issued by us to you remain our property and you may be requested to return the Card to us at any time for any reason. Each card is used in conjunction with an authorizing Personal Identification Number (\"PIN\"). To guard against someone initiating a transaction that you have not authorized, you must take all reasonable precautions to prevent any other person from learning your PIN. If you permit or authorize another person to use your Card and PIN, you will be liable for all resulting transactions. You may use your Card at ATMs which are a part of an Electronic Funds Transfer service network to which the Bank belongs (\"EFT network\"). ATM withdrawals are available up to the daily authorization limits disclosed below, provided the available balance in the Deposit Account associated with your card is greater than or equal to the amount requested, plus any fees that may be charged along with the cash disbursement. \u2022 Withdraw cash from your Checking Account. \u2022 Find out your Checking Account balances. \u2022 Transfer funds between your own accounts at the Bank (if available on the ATM in use). \u2022 Withdraw cash from your Savings Account. \u2022 Make deposits to your own accounts.", "size": 44, "hash": "6a118bfb02576f54b4c8e717bb686036", "id": 1}, {"snippet_links": [{"key": "account-no", "type": "definition", "offset": [6, 16]}, {"key": "at-lender", "type": "definition", "offset": [40, 49]}], "samples": [{"hash": "BskOE6nBOF", "uri": "/contracts/BskOE6nBOF#checking-account", "label": "Term Loan Agreement (KBS Strategic Opportunity REIT, Inc.)", "score": 24.6002731323, "published": true}, {"hash": "2Qu6xL59BEY", "uri": "/contracts/2Qu6xL59BEY#checking-account", "label": "Term Loan Agreement (KBS Strategic Opportunity REIT, Inc.)", "score": 24.6002731323, "published": true}], "snippet": "means account no. 1453024148 maintained at Lender.", "size": 8, "hash": "d0938132eccee31aac5fc8f5a25dd654", "id": 2}, {"snippet_links": [{"key": "demand-deposit-account", "type": "definition", "offset": [8, 30]}, {"key": "negotiable-order-of-withdrawal", "type": "definition", "offset": [40, 70]}, {"key": "savings-account", "type": "clause", "offset": [88, 103]}, {"key": "money-market-account", "type": "definition", "offset": [110, 130]}, {"key": "at-the-bank", "type": "clause", "offset": [131, 142]}, {"key": "bank-website", "type": "definition", "offset": [169, 181]}, {"key": "certificate-of-deposit", "type": "definition", "offset": [216, 238]}, {"key": "the-website", "type": "clause", "offset": [286, 297]}, {"key": "in-person", "type": "clause", "offset": [301, 310]}, {"key": "automated-teller-machine", "type": "definition", "offset": [328, 352]}, {"key": "visa-debit-card", "type": "clause", "offset": [367, 382]}, {"key": "now-account", "type": "definition", "offset": [438, 449]}, {"key": "personal-identification-number", "type": "definition", "offset": [467, 497]}, {"key": "in-connection-with", "type": "clause", "offset": [506, 524]}, {"key": "your-card", "type": "clause", "offset": [525, 534]}, {"key": "bank-accounts", "type": "definition", "offset": [605, 618]}, {"key": "personal-computer", "type": "definition", "offset": [629, 646]}, {"key": "electronic-terminal", "type": "definition", "offset": [656, 675]}, {"key": "access-device", "type": "definition", "offset": [678, 691]}, {"key": "other-device", "type": "definition", "offset": [723, 735]}, {"key": "available-to", "type": "definition", "offset": [752, 764]}, {"key": "your-accounts", "type": "clause", "offset": [779, 792]}, {"key": "business-day", "type": "clause", "offset": [795, 807]}, {"key": "monday-through-friday", "type": "clause", "offset": [815, 836]}, {"key": "federal-holidays", "type": "definition", "offset": [845, 861]}, {"key": "authorized-user", "type": "definition", "offset": [868, 883]}, {"key": "any-person", "type": "definition", "offset": [891, 901]}, {"key": "permit-to-use", "type": "clause", "offset": [919, 932]}, {"key": "other-access", "type": "clause", "offset": [956, 968]}, {"key": "obtain-information", "type": "clause", "offset": [1047, 1065]}, {"key": "terms-used", "type": "definition", "offset": [1154, 1164]}, {"key": "atm-safety", "type": "clause", "offset": [1240, 1250]}, {"key": "funds-transfers", "type": "clause", "offset": [1253, 1268]}, {"key": "other-electronic-fund-transfer-services", "type": "clause", "offset": [1271, 1310]}, {"key": "liability-for", "type": "clause", "offset": [1313, 1326]}, {"key": "electronic-transfers", "type": "definition", "offset": [1340, 1360]}, {"key": "types-of-electronic-fund-transfers", "type": "clause", "offset": [1449, 1483]}, {"key": "services-for", "type": "clause", "offset": [1490, 1502]}, {"key": "your-checking-account", "type": "clause", "offset": [1503, 1524]}], "samples": [{"hash": "bROlNXdUqHt", "uri": "/contracts/bROlNXdUqHt#checking-account", "label": "Personal Deposit Account Agreement", "score": 34.4360237122, "published": true}, {"hash": "l2e2hr0lieh", "uri": "/contracts/l2e2hr0lieh#checking-account", "label": "Personal Deposit Account Agreement", "score": 34.4360198975, "published": true}, {"hash": "49XvISbBDuK", "uri": "/contracts/49XvISbBDuK#checking-account", "label": "Personal Deposit Account Agreement", "score": 34.2128982544, "published": true}], "snippet": "means a Demand Deposit account (DDA), a Negotiable Order of Withdrawal (NOW) account, a Savings account and a Money Market account at the Bank that you open through the Bank website; \"Account\" includes any Checking, Certificate of Deposit, or Savings account at the Bank opened through the Website or in person; \"Card\" means an automated teller machine card and/or a VISA debit card that accesses your Checking, Savings, Money Market, or NOW account; \"PIN\" means the personal identification number you use in connection with your Card; \"Password\" means the password you use to access the Website and your Bank Accounts through a personal computer or other electronic terminal; \"Access Device\" means your Card, Password, or other device or code we make available to you to access your Accounts; \"Business Day\" means Monday through Friday, except federal holidays; and \"Authorized User\" means any person you authorize or permit to use your Card, Password or other Access Device to access your Accounts, whether that person uses the Access Device to obtain information or to conduct a transaction. This EFT Agreement is part of the Banking Documents. Other terms used in this EFT agreement may be defined elsewhere in the Banking Documents. \u2022 ATM Safety \u2022 Funds Transfers \u2022 Other Electronic Fund Transfer Services \u2022 Liability For Unauthorized Electronic Transfers \u2022 Other Electronic Fund Transfer Services Types of Transactions\u200c We offer the following types of Electronic Fund Transfers (EFT) Services for your Checking Account.", "size": 7, "hash": "8e951b82d31021d2e3e3ebf9db1be808", "id": 3}, {"snippet_links": [{"key": "your-checking-account", "type": "clause", "offset": [6, 27]}, {"key": "the-application", "type": "clause", "offset": [72, 87]}], "samples": [{"hash": "kZbSCYQzrEs", "uri": "/contracts/kZbSCYQzrEs#checking-account", "label": "Overdraft Line of Credit Agreement", "score": 23.9308700562, "published": true}, {"hash": "dd31o99HEMz", "uri": "/contracts/dd31o99HEMz#checking-account", "label": "Overdraft Line of Credit Agreement", "score": 23.9308700562, "published": true}, {"hash": "coXO9LEZU7P", "uri": "/contracts/coXO9LEZU7P#checking-account", "label": "Overdraft Line of Credit Agreement", "score": 23.9308700562, "published": true}], "snippet": "means your checking account maintained with Lender that is described in the Application.", "size": 6, "hash": "868df808daf221cf83c039b6f9e7dd3b", "id": 4}, {"snippet_links": [{"key": "the-account", "type": "clause", "offset": [55, 66]}, {"key": "written-instrument", "type": "definition", "offset": [73, 91]}, {"key": "not-limited", "type": "clause", "offset": [107, 118]}, {"key": "negotiable-order-of-withdrawal", "type": "definition", "offset": [141, 171]}, {"key": "determine-whether", "type": "clause", "offset": [228, 245]}, {"key": "the-term", "type": "definition", "offset": [290, 298]}, {"key": "characterized-by", "type": "definition", "offset": [321, 337]}, {"key": "general-meaning", "type": "clause", "offset": [342, 357]}, {"key": "a-technical", "type": "clause", "offset": [370, 381]}, {"key": "types-of-accounts", "type": "clause", "offset": [404, 421]}, {"key": "this-rule", "type": "definition", "offset": [439, 448]}, {"key": "checking-accounts", "type": "definition", "offset": [464, 481]}, {"key": "certificates-of-deposit", "type": "clause", "offset": [483, 506]}], "samples": [{"hash": "1c0cpYjzLA4", "uri": "https://www.legis.iowa.gov/docs/iac/chapter/01-08-2025.701.211.pdf", "label": "www.legis.iowa.gov", "score": 19.406993866, "published": false}, {"hash": "8UtsoQq4XeP", "uri": "https://www.legis.iowa.gov/docs/aco/arc/8156C.pdf", "label": "www.legis.iowa.gov", "score": 19.2104110718, "published": false}, {"hash": "ahLGxJet5UO", "uri": "https://www.legis.iowa.gov/docs/iac/rule/701.211.5.pdf", "label": "www.legis.iowa.gov", "score": 15.0927324295, "published": false}], "snippet": "means an account on which withdrawals may be made from the account via a written instrument, including but not limited to a check, draft, or negotiable order of withdrawal (NOW). Whether or not an account pays interest does not determine whether an account qualifies as a checking account. The term \u201cchecking account\u201d is characterized by its general meaning rather than a technical definition, and other types of accounts not described in this rule may qualify as checking accounts. Certificates of deposit do not qualify as checking accounts.", "size": 6, "hash": "d4ee643bef038f8e47f241337bf49166", "id": 5}, {"snippet_links": [{"key": "sofi-checking-account", "type": "definition", "offset": [4, 25]}, {"key": "demand-deposit-account", "type": "definition", "offset": [40, 62]}, {"key": "offered-by", "type": "definition", "offset": [63, 73]}, {"key": "transfers-to-third-parties", "type": "clause", "offset": [124, 150]}], "samples": [{"hash": "j5qidBKgTRP", "uri": "/contracts/j5qidBKgTRP#checking-account", "label": "Deposit Account Agreement", "score": 33.628868103, "published": true}, {"hash": "9nT0UiAKsWc", "uri": "/contracts/9nT0UiAKsWc#checking-account", "label": "Bank Deposit Account Agreement", "score": 33.4834136963, "published": true}, {"hash": "BdlvFVaFoZ", "uri": "/contracts/BdlvFVaFoZ#checking-account", "label": "Bank Deposit Account Agreement", "score": 33.4134941101, "published": true}], "snippet": "or \u201cSoFi Checking Account\u201d shall mean a demand deposit account offered by SoFi Bank, which can be used to make payments and transfers to third parties online, through checks or other means.", "size": 5, "hash": "f6182db75202344e5a2bfdb41898f103", "id": 6}, {"snippet_links": [], "samples": [{"hash": "j1Ij4AyUdur", "uri": "/contracts/j1Ij4AyUdur#checking-account", "label": "Loan Agreement (KBS Real Estate Investment Trust III, Inc.)", "score": 33.2436676025, "published": true}, {"hash": "bfDTpzl2BLB", "uri": "/contracts/bfDTpzl2BLB#checking-account", "label": "Loan Agreement (KBS Real Estate Investment Trust II, Inc.)", "score": 30.861738205, "published": true}, {"hash": "iCEigBbNnqH", "uri": "/contracts/iCEigBbNnqH#checking-account", "label": "Loan Agreement (KBS Real Estate Investment Trust II, Inc.)", "score": 29.3504447937, "published": true}], "snippet": "has the meaning set forth in Exhibit \u201cH\u201d.", "size": 4, "hash": "5ac66e177de3fcf268809550f942da31", "id": 7}, {"snippet_links": [{"key": "commercial-checking", "type": "clause", "offset": [10, 29]}, {"key": "account-with", "type": "definition", "offset": [37, 49]}, {"key": "the-account", "type": "clause", "offset": [91, 102]}, {"key": "overdraft-protection", "type": "definition", "offset": [107, 127]}], "samples": [{"hash": "fxz5eGRUYG9", "uri": "https://www.sec.gov/Archives/edgar/data/1101101/000093980204001057/formsb2a5ex10-2.txt", "label": "Line of Credit Note (Crescent Moon Inc)", "score": 6.0, "published": false}, {"hash": "jfwWr8sQJSH", "uri": "https://www.sec.gov/Archives/edgar/data/1101101/000093980204000288/formsb2a_ex10-2.txt", "label": "Line of Credit Note (Crescent Moon Inc)", "score": 6.0, "published": false}, {"hash": "5W0g5Tczzy6", "uri": "https://www.sec.gov/Archives/edgar/data/1101101/000093980203000082/sb2a2032103ex_10-2.txt", "label": "Line of Credit Note (Crescent Moon Inc)", "score": 6.0, "published": false}], "snippet": "means any commercial checking or NOW account with us which you have requested be linked to the Account for 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"Cl0SV2oVc35sYXdpbnNpZGVyY29udHJhY3RzcjkLEhpEZWZpbml0aW9uU25pcHBldEdyb3VwX3Y1NiIZY2hlY2tpbmctYWNjb3VudCMwMDAwMDAwYQyiAQJlbhgAIAA=", "definition": {"snippet": "means a Demand Deposit account (DDA), a Negotiable Order of Withdrawal (NOW) account, a Savings account and a Money Market account at the Bank that you open through the Bank website; \"Account\" includes any Checking, Certificate of Deposit, or Savings account at the Bank opened through the Website or in person; \"Card\" means an automated teller machine card and/or a VISA debit card that accesses your Checking, Savings, Money Market, or NOW account; \"PIN\" means the personal identification number you use in connection with your Card; \"Password\" means the password you use to access the Website and your Bank Accounts through a personal computer or other electronic terminal; \"Access Device\" means your Card, Password, or other device or code we make available to you to access your Accounts; \"Business Day\" means Monday through Friday, except federal holidays; and \"Authorized User\" means any person you authorize or permit to use your Card, Password or other Access Device to access your Accounts, whether that person uses the Access Device to obtain information or to conduct a transaction. This EFT Agreement is part of the Banking Documents. Other terms used in this EFT agreement may be defined elsewhere in the Banking Documents. \u2022 ATM Safety \u2022 Funds Transfers \u2022 Other Electronic Fund Transfer Services \u2022 Liability For Unauthorized Electronic Transfers \u2022 Other Electronic Fund Transfer Services Types of Transactions\u200c We offer the following types of Electronic Fund Transfers (EFT) Services for your Checking Account. \u2022 Direct Deposits. You can arrange for direct deposits to your checking and savings account(s). \u2022 Preauthorized Credits/Debits. We accept, on your behalf preauthorized Credits/Debits drawn on your Deposit Accounts which allow unrestricted activity. Through our electronic bill payment service, you are able to electronically transfer funds from your Deposit Account to other parties, provided the account allows such activity. We may conduct these transactions via Automated Clearinghouse (ACH) transfer. We may also accept and direct funds by wire transfer. Each of these services has unique fees associated with the transaction. Please consult our Schedule of Fees herein. When you provide the party initiating the withdrawal or deposit with advance authorization to make recurring ACH transfers to or from your Account, the transfers are referred to as \"preauthorized transfers.\" Because these preauthorized transfers are performed electronically through the ACH, they are governed by federal regulations pertaining to EFT Services, which entitle you to certain benefits and protections in connection with the EFT Services, such as the right to receive a copy of your written authorization to make preauthorized transfers from your Account from the party that obtains it. \u2022 ATM and Point-of-Sale Transactions. ATM Transactions. ATM Cards issued by us to you remain our property and you may be requested to return the Card to us at any time for any reason. Each card is used in conjunction with an authorizing Personal Identification Number (\"PIN\"). To guard against someone initiating a transaction that you have not authorized, you must take all reasonable precautions to prevent any other person from learning your PIN. If you permit or authorize another person to use your Card and PIN, you will be liable for all resulting transactions. You may use your Card at ATMs which are a part of an Electronic Funds Transfer service network to which the Bank belongs (\"EFT network\"). ATM withdrawals are available up to the daily authorization limits disclosed below, provided the available balance in the Deposit Account associated with your card is greater than or equal to the amount requested, plus any fees that may be charged along with the cash disbursement. \u2022 Withdraw cash from your Checking Account. \u2022 Find out your Checking Account balances. \u2022 Transfer funds between your own accounts at the Bank (if available on the ATM in use). \u2022 Withdraw cash from your Savings Account. \u2022 Make deposits to your own accounts.", "title": "Checking Account", "size": 167, "id": "checking-account", "examples": ["Funds from deposits you make into your <strong>Checking Account</strong> may not always be immediately available for withdrawal.", "Refer to the Funds Availability Disclosure below for information regarding the availability of funds deposited into a <strong>Checking Account</strong>.", "You will receive a periodic statement (normally monthly) for your <strong>Checking Account</strong>.", "You may make arrangements to pay certain recurring bills from your <strong>Checking Account</strong>.", "Any withdrawal that reduces the amount in an account to zero (other than a <strong>Checking Account</strong>) may automatically close that account.", "The Credit Union is not responsible for payment of any <strong>Checking Account</strong> withdrawal, or other Item after your Account is terminated; however, if the Credit Union pays an Item after termination, you agree to reimburse the Credit Union for the payment.", "You do not have the right to stop payment on any Item or ACH issued by the Credit Union or drawn on any Account other than your <strong>Checking Account</strong>.", "Your Debit/Check Card may be used to access your <strong>Checking Account</strong> to purchase goods, pay for services, get cash from a merchant, if the merchant permits, or from a participating financial institution up to your available balance.", "You may transfer funds to a Savings, Money Market, or <strong>Checking Account</strong> on the Website by logging into online banking.", "If an Item is presented for payment and the amount of such Item exceeds the fully paid and collected share balance in this <strong>Checking Account</strong>, we may assess this Account a charge (to be established from time to time by our Board of Directors) for the presentment of such Item regardless of whether or not the Item is paid and how many times the item is presented."], "related": [["billing-account", "Billing Account", "Billing Account"], ["holding-account", "Holding Account", "Holding Account"], ["operating-account", "Operating Account", "Operating Account"], ["funding-accounts", "Funding Accounts", "Funding Accounts"], ["disbursement-account", "Disbursement Account", "Disbursement Account"]], "related_snippets": [], "updated": "2026-05-30T06:04:11+00:00"}, "json": true, "cursor": ""}}