Common use of Closing or Freezing Accounts Clause in Contracts

Closing or Freezing Accounts. We may, at any time and without prior notice, close your Account and terminate this Agreement as to that Account (except for those provisions of this Agreement that are intended to survive Account closing and termination) or freeze your Account (close your Account to further deposits, withdrawals, funds transfers and other Account activity), if we believe the Account was used in a manner that is inconsistent with the terms of this Agreement; for example, by: • Using or attempting to use the Account for personal, family or household purposes; • Providing incorrect or misleading data to us when opening the Account or at any other time; • Maintaining the Account at a zero balance or below any applicable Account minimum balance that we may have established in our discretion from time to time; • Exceeding any transaction dollar or frequency limits or any applicable Account maximum balance that we may have established in our discretion from time to time; • Overdrawing the Account; • Engaging or attempting to engage in activity we believe is illegal or fraudulent; • Maintaining a physical business street address for the Account that is outside the United States, Puerto Rico, U.S. Virgin Islands, Guam, American Samoa or Northern Mariana Islands (or, if applicable, outside another U.S. territory or U.S. possession where we offer the Account); • Failing to fund the Account within one hundred and twenty (120) days after we approve your application; or • Linking or attempting to link your Account to an external account that you do not own. We will also close your Account if we receive a withdrawal of consent to receive Account Communications electronically. If we close your Account, we will return the Account balance to the owner of the Account according to our records, electronically or by mail. If we close your Account, you will not be able to re-open it.

Closing or Freezing Accounts. We may, at any time and without prior notice, close your Account and terminate this Agreement as to that Account (except for those provisions of this Agreement that are intended to survive Account closing and termination) or freeze your Account (close your Account to further deposits, withdrawals, funds transfers and other Account activity), if we believe the Account was used in a manner that is inconsistent with the terms of this Agreement; for example, by: • Using or attempting to use the Account for personal, family or household purposes; • Providing incorrect or misleading data to us when opening the Account or at any other time; • Maintaining the Account at a zero balance or below any applicable Account minimum balance that we may have established in our discretion from time to time; • Exceeding any transaction dollar or frequency limits or any applicable Account maximum balance that we may have established in our discretion from time to time; • Overdrawing the Account; • Engaging or attempting to engage in activity we believe is illegal or fraudulent; • Maintaining a physical business street address for the Account that is outside the United States, Puerto Rico, U.S. Virgin Islands, Guam, American Samoa or Northern Mariana Islands (or, if applicable, outside another U.S. territory or U.S. possession where we offer the Account); • Failing to fund the Account within one hundred and twenty sixty (12060) days after we approve your application; or • Linking or attempting to link your Account to an external account that you do not own. We will also close your Account if we receive a withdrawal of consent to receive Account Communications electronically. If we close your Account, we will return the Account balance to the owner of the Account according to our records, electronically or by mail. If we close your Account, you will not be able to re-open it.