Common use of Account Limitations Clause in Contracts

Account Limitations. For Holiday Club accounts, the entire balance will be transferred to another account of yours on or after September 30 and the account will remain open. You may not make withdrawals from your account at any other time. If you wish to access the funds in your Holiday Club account, you may close it. If you close your account, you will be charged a fee as stated in the Fee Schedule. However, no fee will be charged if the withdrawal occurs within seven (7) days of the date the account is opened. Fees for Overdrawing Accounts. Fees for overdrawing your account may be imposed on each check, item, ATM transaction and one-time debit card transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft 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.

Account Limitations. For Holiday Savings, Club and Escrow Savings accounts, the entire balance will be transferred you may make no more than six (6) transfers and withdrawals from your account to another account of yours on or after September 30 and the account will remain open. You may not make withdrawals from your account at to a third party in any other timemonth by means of a preauthorized, automatic or internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you wish exceed these limitations, your account may be subject to access the funds in your Holiday Club account, you may close it. If you close your account, you will be charged a fee as stated or be closed.  For Silver Money Market accounts, three (3) withdrawals are allowed per month after which a fee may be imposed.  For Silver Money Market accounts, any check written that is less than $250.00 a fee may be imposed.  For Secure-24 Checking, E-ssential Checking, Statement Checking, Gold Crown Checking and Fresh Start Checking accounts, no account limitations apply. Additional Transaction Limitations. The Credit Union reserves the right to require a member intending to make a withdrawal to give written notice of such intent not less than seven days and up to 60 days before any such withdrawal. Other Fees and Charges. Any fees and charges that may be applicable to your Account are disclosed separately in the Fee Schedule. However, no fee will be charged if the withdrawal occurs within seven (7) days Rate Addendum and Schedule of the date the account is opened. Fees for Overdrawing Accountsand Charges provided in conjunction with these Agreements and Disclosures. Fees for overdrawing your account may be imposed on each check, draft, item, ATM transaction and one-time onetime debit card transaction (if member has consented to a discretionary overdraft protection service plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balancebalance including reinitiated resubmitted checks and electronic debits. The entire balance in your account may not be available for withdrawal, transfer or paying a check check, draft or item. Certain transactions such as debit card preauthorization holds and deposited check holds can impact the available balance. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an a discretionary overdraft protection service limit for your account, such fees may reduce your approved limit. Please refer to the Fee Rate Addendum and Schedule of Fees and Charges for current fee information. For ATM and one-time debit card transactions, you must consent to the Credit Union’s discretionary overdraft protection service plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft 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 a discretionary overdraft protection service and the Rate Addendum and Schedule of Fees and Charges.

Account Limitations. For Holiday Club accountsall Business Savings Accounts, the entire balance will be transferred you may make no more than six (6) transfers and withdrawals from your account to another account of yours on or after September 30 and the account will remain open. You may not make withdrawals from your account at to a third party in any other timemonth by means of a preauthorized, automatic or internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you wish exceed these limitations, your account may be subject to access the funds in your Holiday Club account, you may close it. If you close your account, you will be charged a fee as stated or be closed.  For Commercial Money Market Accounts withdrawals are subject to a minimum of $250. Other Fees and Charges. Any fees and charges applicable to your Account (excluding incidentals) are disclosed separately in the “Rate Addendum and Schedule of Fees and Charges” provided in conjunction with these Agreements and Disclosures. The Fee ScheduleSchedule is not intended to be a complete list of all fees and charges. However, no fee will Other incidental fees and charges may apply for special or unusual services and may be charged if disclosed you at the withdrawal occurs within seven (7) days time of the date the account is opened. Fees for Overdrawing Accountsservice. Fees for overdrawing your account may be imposed on each check, draft, item, ATM ATM/ITM transaction and one-time onetime debit card transaction (if member has consented to overdraft protection plan for ATM ATM/ITM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check check, draft or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information. For ATM ATM/ITM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft 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 “Rate Addendum and Schedule of Fees and Charges.” Share Certificate Accounts Rate Information. The dividend rate and annual percentage yield (“APY”) on your business certificate account is set forth in the “Rate Addendum and Schedule of Fees and Charges.” The dividend rate and APY are fixed and will be in effect for the term of the account.  Some special or promotional accounts are Tiered Rate accounts. See the “Rate Addendum and Schedule of Fees and Charges” for Tiered Rate balance information. Once a particular range is met, the Dividend Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account. The APY is based on the assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Dividend Period. For each account the dividend period is the account’s term. The dividend period begins on the first day of the term and ends on the maturity date. Dividend Compounding and Crediting. Dividends are compounded monthly and credited monthly on the anniversary date. The dividend period, compounding frequency and the crediting frequency for all accounts are shown in the “Rate Addendum and Schedule of Fees and Charges.” If you close your account before dividends are credited, you will receive the accrued dividends.

Account Limitations. For Holiday Club Share Savings and Choice Share Savings accounts, the entire balance will be transferred you may make no more than six (6) transfers and withdrawals from your account to another account of yours on or after September 30 and the account will remain open. You may not make withdrawals from your account at to a third party in any other timemonth by means of a preauthorized, automatic or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you wish exceed these limitations, your account may be subject to access the funds in your Holiday Club account, you may close it. If you close your account, you will be charged a fee as stated in the Fee Scheduleor be closed. HoweverFor Share Draft accounts, no fee will be charged if the withdrawal occurs within seven (7) days of the date the account is openedlimitations apply. Fees for Overdrawing Accounts. Accounts – Fees for overdrawing your account may be imposed on each check, draft, item, ATM transaction transactions and one-time debit card transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check check, draft or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactionstransaction. 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.

Account Limitations. For Holiday Club Christmas accounts, the entire balance will be transferred to another account of yours on or after September 30 30th and the account will remain open. You may not make withdrawals from your account at any other time. If you wish to access the funds in your Holiday Club account, you may close it. If you close your account, you will be charged a fee as stated in the Fee Schedule. HoweverFor Checking accounts, no fee will be charged if the withdrawal occurs within seven (7) days of the date the account is openedlimitations apply. Fees for Overdrawing Accounts. Fees for overdrawing your account may be imposed on each check, item, ATM transaction and one-time card withdrawal, debit card transaction point of purchase (if member has consented to overdraft protection Courtesy Pay Plus plan for ATM and & one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check check, or item. Certain transactions such as debit card preauthorization holds and deposited check holds can impact the available balance on your account. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the check, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection Courtesy Pay Plus plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft 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 Rate Addendum, Truth in Savings Disclosures and Schedule of Fees and Charges.

Account Limitations. ❖ For Holiday Christmas Club, Emergency Club and Money Market Premium accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. ❖ For Christmas Club accounts, the entire balance will be transferred to another account of yours on or after September 30 November 1 and the account will remain open. You may not make For Emergency Club accounts you must have an automatic transfer of at least $1.00 set up at the time of account opening and it must occur at least monthly; failure to do so will close this club account and any balance will be transferred into Prime Share account in no later than 30 days after transfer is stopped. Withdrawals will be at no cost up to two times annually (January-December) any additional withdrawals from your will be subject to a fee. For Money Market Premium accounts, the minimum withdrawal amount is $100.00. ❖ For Prime Share Savings, Special Savings, Youth Savings, Organization/ Business Savings, Business Checking, Evergreen Rewards Checking, Evergreen Elite Checking and Basic Checking accounts, no account limitations apply. Transaction limitation. We reserve the right to at any time require not less than seven days’ notice in writing before each withdrawal from an interest-bearing account other time. If you wish to access the funds in your Holiday Club accountthan a time deposit, you may close it. If you close your account, you will be charged a fee or from any other savings account as stated in the Fee Schedule. However, no fee will be charged if the withdrawal occurs within seven (7) days of the date the account is opened. defined by Regulation D. Fees for Overdrawing Accounts. Fees for overdrawing your account may be imposed on each check, item, ATM transaction and one-time debit card transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft 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.