Common use of Checking Accounts Clause in Contracts

Checking Accounts. The Credit Union may refuse any check or other item drawn against your account or used to withdraw funds from your account if it is not on a form approved by us. Providers of check forms we approve are set forth in the Fee Schedule. We also reserve the right to refuse any check or other item drawn against your account or used to withdraw funds from your account if made in a manner not specifically authorized for your account, if made more frequently or in a greater number than specifically permitted for your account, or if made in an amount less than the minimum withdrawal or transfer specifically permitted for your account. If we accept a check or other item not on a form approved by us, you will be responsible for any loss by us in handling the item. We may pay checks or other items drawn upon your account in accordance with Section 9 (a) of this Membership Agreement, even if paying a particular check or item results in an insufficient balance in your account to pay one or more other items that otherwise could have been paid out of your account. Because of the nature of the Credit Union check program, neither the Credit Union nor any other processing entities shall be responsible for the authenticity of the checks with regard to the signature or alterations and checks when presented shall be paid without verification. We may disregard all information on, or any writing or memorandum attached to any check or item except for your signature, the amount and the information that is magnetically encoded. You agree that the Credit Union did not fail to use ordinary care because our procedures do not provide for sight examination. You will notify us immediately if you learn or have reason to know that any of your checks have been lost or stolen. If you are negligent in safeguarding your checks or if there is a processing problem due to your use of a check printer we do not approve, we will not have any liability or responsibility for any losses you incur as a result if we act in good faith pursuant to standard commercial practices. You understand that when paid, your original check (or any substitute check) becomes the property of the Credit Union and may not be returned to you. We have no obligation to retain the originals of any checks or other documentation. You agree to keep a copy of your original check in order to verify its validity. If you request us to provide you with an original check or sufficient copy, you agree that we may provide a copy or an electronic image of the original check. The Credit Union may charge you multiple fees as set forth in the Fee Schedule for each requested item as applicable.

Checking Accounts. The Credit Union may refuse any check or other item drawn against your account or used to withdraw funds from your account if it is not on a form approved by us. Providers of check forms we approve are set forth in the Fee Schedule. We also reserve the right to refuse any check or other item drawn against your account or used to withdraw funds from your account if made in a manner not specifically authorized for your account, if made more frequently or in a greater number than specifically permitted for your account, or if made in an amount less than the minimum withdrawal or transfer specifically permitted for your account. If we accept a check or other item not on a form approved by us, you will be responsible for any loss by us in handling the item. We may pay checks or other items drawn upon your account as discussed earlier in accordance with Section 9 this Agreement (a) of this Membership Agreementrefer to item 10. Transactions from Your Account(s)), even if paying a particular check or item results in an insufficient balance in your account to pay one or more other items that otherwise could have been paid out of your account. Because of the nature of the Credit Union check program, neither the Credit Union nor any other processing entities shall be responsible for the authenticity of the checks with regard to the signature or alterations alterations; and checks checks, when presented presented, shall be paid without verification. We may disregard all information on, on or any writing or memorandum attached to any check or item except for your signature, the amount and the information that is magnetically encoded. You agree that the Credit Union did we do not fail to use ordinary care because our procedures do not provide for sight examination. You will notify us immediately if you learn or have reason to know that any of your checks have been lost or stolen. If you are negligent in safeguarding your checks or if there is a processing problem due to your use of a check printer we do not approve, we will not have any liability or responsibility for any losses you incur as a result if we act in good faith pursuant to standard commercial practices. You understand that when paid, your original check (or any substitute check) becomes the property of the Credit Union and may not be returned to you. We have no obligation to retain the originals of any checks or other documentation. You agree to keep a copy of your original check in order to verify its validity. If you request us to provide you with an original check or sufficient copy, you agree that we may provide a copy or an electronic image of the original check. The Credit Union may charge you multiple fees as set forth in the Fee Schedule for each requested item as applicable.

Checking Accounts. The Credit Union may refuse any check or other item drawn against your account or used to withdraw funds from your account if it is not on a form approved by us. Providers of check forms we approve are set forth in the Fee Schedule. We also reserve the right to refuse any check or other item drawn against your account or used to withdraw funds from your account if made in a manner not specifically authorized for your account, if made more frequently or in a greater number than specifically permitted for your account, or if made in an amount less than the minimum withdrawal or transfer specifically permitted for your account. If we accept a check or other item not on a form approved by us, you will be responsible for any loss by us in handling the item. We may pay checks or other items drawn upon your account as set forth in accordance with Section 9 (a) of this Membership Agreement8.a, even if paying a particular check or item results in an insufficient balance in your account to pay one or more other items that otherwise could have been paid out of your account. Because of the nature of the Credit Union check program, neither the Credit Union nor any other processing entities shall be responsible for the authenticity of the checks with regard to the signature or alterations alterations; and checks checks, when presented presented, shall be paid without verification. We may disregard all information on, on or any writing or memorandum attached to any check or item except for your signature, the amount and the information that is magnetically encoded. You agree that the Credit Union did we do not fail to use ordinary care because our procedures do not provide for sight examination. You will notify us immediately if you learn or have reason to know that any of your checks have been lost or stolen. If you are negligent in safeguarding your checks or if there is a processing problem due to your use of a check printer we do not approve, we will not have any liability or responsibility for any losses you incur as a result if we act in good faith pursuant to standard commercial practices. You Check Copies: you understand that when paid, your original check (or any substitute check) becomes the property of the Credit Union and may not be returned to you. We have no obligation to retain the originals of any checks or other documentation. You agree to keep a copy of your original check in order to verify its validity. If you request us to provide you with an original check or sufficient copy, you agree that we may provide a copy or an electronic image of the original check. The Credit Union may charge you multiple fees a fee as set forth in the Fee Schedule for each requested item and /or for research as applicable.

Checking Accounts. The Credit Union may refuse any check or other item drawn against your account or used to withdraw funds from your account if it is not on a form approved by us. Providers of check forms we approve are set forth in the Fee Schedule. We also reserve the right to refuse any check or other item drawn against your account or used to withdraw funds from your account if made in a manner not specifically authorized for your account, if made more frequently or in a greater number than specifically permitted for your account, or if made in an amount less than the minimum withdrawal or transfer specifically permitted for your account. If we accept a check or other item not on a form approved by us, you will be responsible for any loss by us in handling the item. We may pay checks or other items drawn upon your account in accordance with Section 9 (a) of this Membership Agreementany order determined by us, even if paying a particular check or item results in an insufficient balance in your account to pay one or more other items that otherwise could have been paid out of your account. Because of the nature of the Credit Union check program, neither the Credit Union nor any other processing entities shall be responsible for the authenticity of the checks with regard to the signature or alterations and checks alterations; checks, when presented presented, shall be paid without verification. We may disregard all information on, on or any writing or memorandum attached to any check or item except for your signature, the amount amount, and the information that is magnetically encoded. You agree that the Credit Union did we do not fail to use ordinary care because our procedures do not provide for sight examination. You will notify us immediately if you learn or have reason to know that any of your checks have been lost or stolen. If you are negligent in safeguarding your checks or if there is a processing problem due to your use of a check printer we do not approve, we will not have any liability or responsibility for any losses you incur as a result if we act in good faith pursuant to standard commercial practices. Check Copies: You understand that that, when paid, your original check (or any substitute check) becomes the property of the Credit Union and may not be returned to you. We have no obligation to retain the originals of any checks or other documentation. You agree to keep a copy of your original check in order to verify its validity. If you request us to that we provide you with an original check or sufficient copy, you agree that we may provide a copy or an electronic image of the original check. The Credit Union may charge you multiple fees a fee as set forth in the Fee Schedule for each requested item and/or for research as applicable.

Checking Accounts. The Credit Union may refuse any check or other item drawn against your account or used to withdraw funds from your account if it is not on a form approved by us. Providers of Our approved check forms we approve provider(s) are set forth in the Fee Schedule. We also reserve the right to refuse any check or other item drawn against your account or used to withdraw funds from your account if made in a manner not specifically authorized for your account, if made more frequently or in a greater number than specifically permitted for your account, or if made in an amount less than the minimum withdrawal or transfer specifically permitted for your account. If we accept a check or other item not on a form approved by us, you will be responsible for any loss by us in handling the item. We may pay checks or other items drawn upon your account following the process explained in accordance with Section 9 (a) the Payment Order of Your Transactions section of this Membership Agreement, even if paying a particular check or item results in an insufficient balance in your account to pay one or more other items that otherwise could have been paid out of your account. Because of the nature of the Credit Union check program, neither the Credit Union nor any other processing entities shall be responsible for the authenticity of the checks with regard to the signature or alterations alterations; and checks checks, when presented presented, shall be paid without verification. We may disregard all information on, on or any writing or memorandum attached to any check or item except for your signature, the amount and the information that is magnetically encoded. You agree that the Credit Union did we do not fail to use ordinary care because our procedures do not provide for sight examination. You will notify us immediately if you learn or have reason to know that any of your checks have been lost or stolen. If you are negligent in safeguarding your checks or if there is a processing problem due to your use of a an unauthorized check printer we do not approveprinter, we will not have any liability or responsibility for any losses you incur as a result if provided we act pay any such check in good faith pursuant to standard commercial practices. You understand that when paid, your original check (or any substitute check) becomes the property of the Credit Union and may not be returned to you. We have no obligation to retain the originals of any checks or other documentation. You agree to keep a copy of your original check in order to verify its validity. If you request us to provide you with an original check or sufficient copy, you agree that we may provide a copy or an electronic image of the original check. The Credit Union may charge you multiple fees as set forth in the Fee Schedule for each requested item as applicable.

Checking Accounts. The Credit Union may refuse any check or other item drawn against your account or used to withdraw funds from your account if it is not on a form approved by us. Providers of check forms we approve are set forth in the Fee Schedule. We also reserve the right to refuse any check or other item drawn against your account or used to withdraw funds from your account if made in a manner not specifically authorized for your account, if made more frequently or in a greater number than specifically permitted for your account, or if made in an amount less than the minimum withdrawal or transfer specifically permitted for your account. If we accept a check or other item not on a form approved by us, you will be responsible for any loss by us in handling the item. We may pay checks or other items drawn upon your account as set forth in accordance with Section 9 (a) of this Membership Agreement8.a, even if paying a particular check or item results in an insufficient balance in your account to pay one or more other items that otherwise could have been paid out of your account. Because of the nature of the Credit Union check program, neither the Credit Union nor any other processing entities shall be responsible for the authenticity of the checks with regard to the signature or alterations alterations; and checks checks, when presented presented, shall be paid without verification. We may disregard all information on, on or any writing or memorandum attached to any check or item except for your signature, the amount and the information that is magnetically encoded. You agree that the Credit Union did we do not fail to use ordinary care because our procedures do not provide for sight examination. You will notify us immediately if you learn or have reason to know that any of your checks have been lost or stolen. If you are negligent in safeguarding your checks or if there is a processing problem due to your use of a check printer we do not approve, we will not have any liability or responsibility for any losses you incur as a result if we act in good faith pursuant to standard commercial practices. You Check Copies: you understand that when paid, your original check (or any substitute check) becomes the property of the Credit Union and may not be returned to you. We have no obligation to retain the originals of any checks or other documentation. You agree to keep a copy of your original check in order to verify its validity. If you request us to provide you with an original check or sufficient copy, you agree that we may provide a copy or an electronic image of the original check. The Credit Union may charge you multiple fees a fee as set forth in the Fee Schedule for each requested requested‌‌ item and /or for research as applicable.applicable.‌‌

Checking Accounts. The Credit Union may refuse any check or other item drawn against your account or used to withdraw funds from your account if it is not on a form approved by us. Providers of check forms we approve are set forth in the Fee Schedule. We also reserve the right to refuse any check or other item drawn against your account or used to withdraw funds from your account if made in a manner not specifically authorized for your account, if made more frequently or in a greater number than specifically permitted for your account, or if made in an amount less than the minimum withdrawal or transfer specifically permitted for your account. If we accept a check or other item not on a form approved by us, you will be responsible for any loss by us in handling the item. We may pay checks or other items drawn upon your account in accordance with an order determined by us (see Section 9 (a) of this Membership Agreement7a above), even if paying a particular check or item results in an insufficient balance in your account to pay one or more other items that otherwise could have been paid out of your account. Because of the nature of the Credit Union check program, neither the Credit Union nor any other processing entities shall be responsible for the authenticity of the checks with regard to the signature or alterations alterations; and checks checks, when presented presented, shall be paid without verification. We may disregard all information on, on or any writing or memorandum attached to any check or item except for your signature, the amount and the information that is magnetically encoded. You agree that the Credit Union did we do not fail to use ordinary care because our procedures do not provide for sight examination. You will notify us immediately if you learn or have reason to know that any of your checks have been lost or stolen. If you are negligent in safeguarding your checks or if there is a processing problem due to your use of a check printer we do not approve, we will not have any liability or responsibility for any losses you incur as a result if we act in good faith pursuant to standard commercial practices. You Check Copies: you understand that when paid, your original check (or any substitute check) becomes the property of the Credit Union and may not be returned to you. We have no obligation to retain the originals of any checks or other documentation. You agree to keep a copy of your original check in order to verify its validity. If you request us to provide you with an original check or sufficient copy, you agree that we may provide a copy or an electronic image of the original check. The Credit Union may charge you multiple fees a fee as set forth in the Fee Schedule for each requested item and /or for research as applicable. You agree that your duty to examine statements promptly, and your obligation to notify us in the event of any error, is not waived or diminished in any respect by our retention of checks drawn on your Account.

Checking Accounts. The Credit Union may refuse any check or other item drawn against your account or used to withdraw funds from your account if it is not on a form approved by us. Providers of check forms we approve are set forth in the Fee Schedule. We also reserve the right to refuse any check or other item drawn against your account or used to withdraw funds from your account if made in a manner not specifically authorized for your account, if made more frequently or in a greater number than specifically permitted for your account, or if made in an amount less than the minimum withdrawal or transfer specifically permitted for your account. If we accept a check or other item not on a form approved by us, you will be responsible for any loss by us in handling the item. We may pay checks or other items drawn upon your account as set forth in accordance with Section 9 (a) of this Membership Agreement8.a, even if paying a particular check or item results in an insufficient balance in your account to pay one or more other items that otherwise could have been paid out of your account. Because of the nature of the Credit Union check program, neither the Credit Union nor any other processing entities shall be responsible for the authenticity of the checks with regard to the signature or alterations alterations; and checks checks, when presented presented, shall be paid without verification. We may disregard all information on, on or any writing or memorandum attached to any check or item except for your signature, the amount and the information that is magnetically encoded. You agree that the Credit Union did we do not fail to use ordinary care because our procedures do not provide for sight examination. You will notify us immediately if you learn or have reason to know that any of your checks have been lost or stolen. If you are negligent in safeguarding your checks or if there is a processing problem due to your use of a check printer we do not approve, we will not have any liability or responsibility for any losses you incur as a result if we act in good faith pursuant to standard commercial practices. You Check Copies: you understand that when paid, your original check (or any substitute check) becomes the property of the Credit Union and may not be returned to you. We have no obligation to retain the originals of any checks or other documentation. You agree to keep a copy of your original check in order to verify its validity. If you request us to provide you with an original check or sufficient copy, you agree that we may provide a copy or an electronic image of the original check. The Credit Union may charge you multiple fees a fee as set forth in the Fee Schedule for each requested item and /or for research as applicable.

Checking Accounts. The Credit Union may refuse offers several types of Checking Accounts. The fees charged on these account types vary. Please refer to the Dividend Rate and Fee Schedule to determine fees, minimum balance requirements, and monthly service charges. The Credit Union is under no obligation to pay any check Item that contains a suspected forgery or other item drawn against alteration and, in such an event; we will incur no liability for any action regarding the nonpayment of any Item. You agree that in no event will the Credit Union be liable for damages for the dishonor of any Item as long as we act in good faith and exercise ordinary care, regardless of whether you have a balance in your account Account sufficient to pay any Item that we fail to pay. The Credit Union will not be liable for any loss resulting from any reasonable delay in sending notice to you that the Item has been returned uncollected. The Credit Union is not liable to you if the Credit Union pays an Item containing an alteration or used a forged or unauthorized signature. The Credit Union is not required to withdraw funds examine each Item below an amount determined from time to time before paying the Item. You agree that our use of the cut-off amount for the examination of Items is reasonable and will not constitute a failure on our part to exercise ordinary care with respect to any Item. Unless you request in writing otherwise, you will be sent a periodic statement that will indicate all transactions and activity on the Account during the statement period. Such statement will be mailed to your last known address as shown on the Credit Union’s record. You agree that the statement is sufficient to allow you to reasonably identify the Items without indicating the payee of any Item. You have a duty to examine the statement and discover any Items containing unauthorized signatures or alterations. If you discover any Items on the statement that differ from your account if it records, you must promptly notify the Credit Union. Failure to notify the Credit Union within a reasonable time frame not exceeding 30 days after your statement is made available or mailed will prevent you from recovering on the Item. The Credit Union will not on a form approved by us. Providers of check forms we approve are set forth in the Fee Schedule. We also reserve the right to refuse any check be liable for Items forged or other item drawn against your account or used to withdraw funds from your account if made altered in a manner not specifically authorized detectable by the Credit Union through reasonable means, including, but not limited to, forgery or alteration resulting from the unauthorized use of a facsimile signature machine. You understand that your original items will not be returned to you. You are responsible for your accountexamining each statement and, if you request them, copies of Items, and reporting any irregularities to the Credit Union. For a fee, the Credit Union shall give you a copy of any paid Item charged to this Account upon receiving a written request from you. You agree that the availability of obtaining a copy of a paid Item, upon request made more frequently or to the Credit Union, constitutes a reasonable manner in a greater number than specifically permitted for your account, or if made in an amount less than which the minimum withdrawal or transfer specifically permitted for your account. If we accept a check or other item not on a form approved by us, you will be responsible for any loss by us in handling the itemCredit Union may make available paid Items. We may pay checks or other items drawn upon your account charge this Account for this service in accordance with Section 9 (a) the fee schedule established by our Board of this Membership Agreement, even if paying a particular check or item results in an insufficient balance in your account to pay one or more other items that otherwise could have been paid out of your account. Because of the nature of the Credit Union check program, neither the Credit Union nor any other processing entities shall be responsible for the authenticity of the checks with regard to the signature or alterations and checks when presented shall be paid without verification. We may disregard all information on, or any writing or memorandum attached to any check or item except for your signature, the amount and the information that is magnetically encodedDirectors. You agree that the Credit Union did Union’s retention of Items does not fail alter or waive your responsibility to use ordinary care because our procedures do not provide examine your statements or alter the time limits for sight examination. You will notify us immediately if you learn or have reason to know that any of your checks have been lost or stolen. If you are negligent in safeguarding your checks or if there is a processing problem due to your use of a check printer we do not approve, we will not have any liability or responsibility for any losses you incur as a result if we act in good faith pursuant to standard commercial practices. You understand that when paid, your original check (or any substitute check) becomes the property of notifying the Credit Union and may not be returned to you. We have no obligation to retain the originals of any checks forgery, alternation, errors or other documentationobjections. In the event we pay an Item drawn on this Account, we may charge this Account the amount of such Item, even if the Item is presented more than six (6) months after its date. If an Item is presented for payment and the amount of such Item exceeds the fully paid and collected share balance in this Account, 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. You agree the Credit Union shall not be responsible for the acts or omissions of any other party selected in connection with this Account or the condition of any Item, draft or other Item handled under this account subject to keep a copy of your original check in order the Credit Union’s duty to verify its validityexercise ordinary care. If you request us A Payable on Death (POD) Account is an instruction to provide you with the Credit Union that an original check or sufficient copyAccount so designated is payable to the owner(s) during the account owners’ lifetimes, you agree that we may provide a copy or an electronic image and upon the death of the original checklast account owner, such POD account is payable to any named and surviving POD designated on your Signature Card. Accounts payable to more than one surviving beneficiary are owned jointly by such beneficiaries with rights of survivorship. Any POD designation must be unequivocal and accepted and acknowledged by us in writing. Furthermore, Any POD designation will apply only for the account to which that account card/signature card is directed. Notwithstanding the foregoing, any POD designation will not apply to Individual Retirement accounts (IRAs), which shall be governed by a separate beneficiary designation. The Credit Union shall at no time have any obligation whatsoever to notify any beneficiary of the existence of any Account or the vesting of the beneficiary’s interest in any Account, unless required by law. Upon the death of the last surviving owner, payment to any beneficiary shall be valid and discharge us from any liability for such payment. No beneficiary may charge you multiple fees pledge any part of the shares in this account as set forth collateral for any loan or loans with us. Only the account owner(s) may pledge all or any part of the shares in this account as collateral for any loan or loans with us, and such pledge shall survive after the death of the account owner(s) and shall be superior to the rights of any beneficiary. The death of an account owner shall not affect the validity of any statutory or consensual liens created prior to the death of the account owner(s). The Owner may remove from ownership in the Fee Schedule for each requested item as applicableaccount any or all beneficiaries. The beneficiary so removed shall have no interest, rights or privileges in and to the account or assets thereof. To be binding on the Credit Union, such revocation must be in writing and accepted by us.

Checking Accounts. The Credit Union may refuse offers several types of Checking Accounts. The fees charged on these account types vary. Please refer to the Dividend Rate and Fee Schedule to determine fees, minimum balance requirements, and monthly service charges. The Credit Union is under no obligation to pay any check Item that contains a suspected forgery or other item drawn against alteration and, in such an event; we will incur no liability for any action regarding the nonpayment of any Item. You agree that in no event will the Credit Union be liable for damages for the dishonor of any Item as long as we act in good faith and exercise ordinary care, regardless of whether you have a balance in your account Account sufficient to pay any Item that we fail to pay. The Credit Union will not be liable for any loss resulting from any reasonable delay in sending notice to you that the Item has been returned uncollected. The Credit Union is not liable to you if the Credit Union pays an Item containing an alteration or used a forged or unauthorized signature. The Credit Union is not required to withdraw funds examine each Item below an amount determined from time to time before paying the Item. You agree that our use of the cut- off amount for the examination of Items is reasonable and will not constitute a failure on our part to exercise ordinary care with respect to any Item. Unless you request in writing otherwise, you will be sent a periodic statement that will indicate all transactions and activity on the Account during the statement period. Such statement will be mailed to your last known address as shown on the Credit Union’s record. You agree that the statement is sufficient to allow you to reasonably identify the Items without indicating the payee of any Item. You have a duty to examine the statement and discover any Items containing unauthorized signatures or alterations. If you discover any Items on the statement that differ from your account if it records, you must promptly notify the Credit Union. Failure to notify the Credit Union within a reasonable time frame not exceeding 30 days after your statement is made available or mailed will prevent you from recovering on the Item. The Credit Union will not on a form approved by us. Providers of check forms we approve are set forth in the Fee Schedule. We also reserve the right to refuse any check be liable for Items forged or other item drawn against your account or used to withdraw funds from your account if made altered in a manner not specifically authorized detectable by the Credit Union through reasonable means, including, but not limited to, forgery or alteration resulting from the unauthorized use of a facsimile signature machine. You understand that your original items will not be returned to you. You are responsible for your accountexamining each statement and, if you request them, copies of Items, and reporting any irregularities to the Credit Union. For a fee, the Credit Union shall give you a copy of any paid Item charged to this Account upon receiving a written request from you. You agree that the availability of obtaining a copy of a paid Item, upon request made more frequently or to the Credit Union, constitutes a reasonable manner in a greater number than specifically permitted for your account, or if made in an amount less than which the minimum withdrawal or transfer specifically permitted for your account. If we accept a check or other item not on a form approved by us, you will be responsible for any loss by us in handling the itemCredit Union may make available paid Items. We may pay checks or other items drawn upon your account charge this Account for this service in accordance with Section 9 (a) the fee schedule established by our Board of this Membership Agreement, even if paying a particular check or item results in an insufficient balance in your account to pay one or more other items that otherwise could have been paid out of your account. Because of the nature of the Credit Union check program, neither the Credit Union nor any other processing entities shall be responsible for the authenticity of the checks with regard to the signature or alterations and checks when presented shall be paid without verification. We may disregard all information on, or any writing or memorandum attached to any check or item except for your signature, the amount and the information that is magnetically encodedDirectors. You agree that the Credit Union did Union’s retention of Items does not fail alter or waive your responsibility to use ordinary care because our procedures do not provide examine your statements or alter the time limits for sight examination. You will notify us immediately if you learn or have reason to know that any of your checks have been lost or stolen. If you are negligent in safeguarding your checks or if there is a processing problem due to your use of a check printer we do not approve, we will not have any liability or responsibility for any losses you incur as a result if we act in good faith pursuant to standard commercial practices. You understand that when paid, your original check (or any substitute check) becomes the property of notifying the Credit Union and may not be returned to you. We have no obligation to retain the originals of any checks forgery, alternation, errors or other documentationobjections. In the event we pay an Item drawn on this Account, we may charge this Account the amount of such Item, even if the Item is presented more than six (6) months after its date. If an Item is presented for payment and the amount of such Item exceeds the fully paid and collected share balance in this Account, 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. You agree the Credit Union shall not be responsible for the acts or omissions of any other party selected in connection with this Account or the condition of any Item, draft or other Item handled under this account subject to keep a copy of your original check in order the Credit Union’s duty to verify its validityexercise ordinary care. If you request us A Payable on Death (POD) Account is an instruction to provide you with the Credit Union that an original check or sufficient copyAccount so designated is payable to the owner(s) during the account owners’ lifetimes, you agree that we may provide a copy or an electronic image and upon the death of the original checklast account owner, such POD account is payable to any named and surviving POD designated on your Signature Card. Accounts payable to more than one surviving beneficiary are owned jointly by such beneficiaries with rights of survivorship. Any POD designation must be unequivocal and accepted and acknowledged by us in writing. Furthermore, Any POD designation will apply only for the account to which that account card/signature card is directed. Notwithstanding the foregoing, any POD designation will not apply to Individual Retirement accounts (IRAs), which shall be governed by a separate beneficiary designation. The Credit Union shall at no time have any obligation whatsoever to notify any beneficiary of the existence of any Account or the vesting of the beneficiary’s interest in any Account, unless required by law. Upon the death of the last surviving owner, payment to any beneficiary shall be valid and discharge us from any liability for such payment. No beneficiary may charge you multiple fees pledge any part of the shares in this account as set forth collateral for any loan or loans with us. Only the account owner(s) may pledge all or any part of the shares in this account as collateral for any loan or loans with us, and such pledge shall survive after the death of the account owner(s) and shall be superior to the rights of any beneficiary. The death of an account owner shall not affect the validity of any statutory or consensual liens created prior to the death of the account owner(s). The Owner may remove from ownership in the Fee Schedule for each requested item as applicableaccount any or all beneficiaries. The beneficiary so removed shall have no interest, rights or privileges in and to the account or assets thereof. To be binding on the Credit Union, such revocation must be in writing and accepted by us.

Checking Accounts. The Credit Union may refuse any check or other item drawn against your account or used to withdraw funds from your account if it is not on a form approved by us. Providers of check forms we approve are set forth in the Fee Schedule. We also reserve the right to refuse any check or other item drawn against your account or used to withdraw funds from your account if made in a manner not specifically authorized for your account, if made more frequently or in a greater number than specifically permitted for your account, or if made in an amount less than the minimum withdrawal or transfer specifically permitted for your account. If we accept a check or other item not on a form approved by us, you will be responsible for any loss by us in handling the item. We may pay checks or other items drawn upon your account in accordance with Section 9 (a) of this Membership Agreementany order determined by us, even if paying a particular check or item results in an insufficient balance in your account to pay one or more other items that otherwise could have been paid out of your account. Because of the nature of the Credit Union check program, neither the Credit Union nor any other processing entities shall be responsible for the authenticity of the checks with regard to the signature or alterations alterations; and checks checks, when presented presented, shall be paid without verification. We may disregard all information on, on or any writing or memorandum attached to any check or item except for your signature, the amount and the information that is magnetically encoded. You agree that the Credit Union did we do not fail to use ordinary care because our procedures do not provide for sight examination. You will notify us immediately if you learn or have reason to know that any of your checks have been lost or stolen. If you are negligent in safeguarding your checks or if there is a processing problem due to your use of a check printer we do not approve, we will not have any liability or responsibility for any losses you incur as a result if we act in good faith pursuant to standard commercial practices. You Check Copies: you understand that when paid, your original check (or any substitute check) becomes the property of the Credit Union and may not be returned to you. We have no obligation to retain the originals of any checks or other documentation. You agree to keep a copy of your original check in order to verify its validity. If you request us to provide you with an original check or sufficient copy, you agree that we may provide a copy or an electronic image of the original check. The Credit Union may charge you multiple fees a fee as set forth in the Fee Schedule for each requested item and /or for research as applicable.