Payment Order of Items. When processing checks drawn on your Account, the Bank’s policy is to pay them in check number order. Lower numbered checks are paid first. Items without check numbers, such as electronic transactions, post first before checks presented are processed. The order in which items are paid is important if there is not enough money in your Account to pay all of the items that are presented. There is no policy that is favorable in every instance. If the smallest items are paid first, you may have fewer NSF or overdraft fees, but the largest, and perhaps more important items (such as rent or mortgage payments) might not be paid. However, if the largest items are paid first, your most important items might be paid but it may increase the overdraft or NSF fees if funds are not available to pay all of the items. The Bank’s policy attempts to attain a reasonable balance between minimizing additional cost to you and paying your more important items, given the assumption you desire to have checks paid in the order you wrote them. If an item is presented without sufficient funds in your Account to pay it, Bank may, at its discretion, pay the item (creating or increasing an overdraft) or return the item for NSF. The Bank may charge fees for overdrafts and NSF and such fees are disclosed in the Schedule. Additionally, a merchant may present an item or payment multiple times if the amount of money in your Account is not sufficient at the time of presentment of the item or payment. An NSF fee may apply each time an item or payment is presented; regardless of the number of times the item or payment is presented. The Bank encourages you to make careful records and practice good Account management. This will help you to avoid creating items without sufficient funds and incurring the resulting fees. Any signer on the Account, acting alone, has the authority to make withdrawals or transfers of all or any part of the Account balance at any time. Each Account owner (until ▇▇▇▇ receives written notice to the contrary and Bank has had a reasonable opportunity to act on such written notice) authorizes each other person who signs or has authority to make withdrawals, as documented on the applicable signature card, to endorse any item payable to you or your order for deposit to the Account or any other transaction with Bank. Each Account owner also agrees to be jointly and severally liable for any Account shortage resulting from charges or overdrafts, whether caused by you or another with access to the Account. This liability is due immediately and can be deducted directly from the Account balance whenever sufficient funds are available. You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft. Bank does not have to allow you to make a withdrawal from your Account if you do not have sufficient available funds in the Account to cover the full amount of the withdrawal. Bank will post non-check debits in ascending dollar amount order and then post check withdrawals received on a single business day. Bank posts checks received on a single business day against your Account in check number order. Checks presented in person at one of Bank’s branches will post in ascending check number order prior to checks clearing through nightly processing, which will also be processed in ascending check number order. Bank may pay other withdrawals or debit items (such as charges) prior to paying any checks and the method of payment for the other withdrawals and debit items may be in any order and at its sole discretion. If there are insufficient available funds to cover some of the withdrawals or debits presented against your Account, such items will be handled in accordance with Bank’s overdraft procedures and applicable law. Even if Bank chooses to pay one or more overdrafts, it is not obligated to cover any future overdrafts. Bank may determine the balance of your Account in connection with determining whether payment of an item will create an overdraft at any time between the time the Bank receives the item and the deadline for Bank to take action on the item. Bank is not required to determine your Account balance more than one (1) time during this period. Fees may apply to overdrafts and, if applicable, will be posted in accordance with the terms outlined in the Schedule. A fee may be assessed on any item that will overdraw the available Account balance, regardless of whether Bank pays or dishonors (return) the item. If Bank pays the item, it may charge an NSF Item Paid Fee. If Bank returns the item, it may charge an NSF Item Return Fee. You agree, immediately upon notice from Bank, to deposit funds sufficient to cover any overdraft plus NSF fee, if required. Bank will not be liable for the dishonor of any item when the dishonor occurs because it set off a debit against your Account. Bank may also refuse to allow a withdrawal if there is a dispute about the Account (unless a court has ordered Bank to allow the withdrawal), the Account is garnished or attached, the Account has been pledged as collateral for a debt, the availability of the funds on deposit cannot be verified, any required documentation has not been presented, or you fail to repay an obligation to Bank on time. Federal regulations allow Bank to retain the right to require you to give at least seven (7) days’ notice in writing prior to any intended withdrawal from a savings, negotiable order of withdrawal (“NOW”), personal interest-bearing checking or money market account. Although Bank usually pays withdrawals or checks without notice on these Accounts, doing so in no way serves as a waiver of this right. Bank reserves the right to pay or dishonor a check more than six (6) months old without prior notice to you. You agree Bank is not responsible for any loss to you by doing so. Bank also reserves the right to pay or dishonor a check dated in the future. You agree Bank is not responsible for any loss to you in doing so. You agree when you write a check, you will not date the check in the future. If you do, and the check is presented for payment before the date of the check, Bank may pay it or return it unpaid. You agree if Bank pays the check, the check will be posted to your Account on the date Bank pays the check, even though the posting date is prior to the date on the check. Bank will not honor a postdated check if Bank receives advance notice from you at such a time and in such a manner as to afford Bank reasonable opportunity to act. The notice must specify the date, amount, number of the check, and the name of the payee. Notices are effective for the time periods stated in the Stop Payment Orders section in this Agreement. You recognize that the Bank has adopted automated collection and payment processing, even for items deposited or negotiated in person, so it can process the greatest volume of items at the lowest possible cost to its customers. The automated procedures rely primarily on information encoded onto each item in magnetic ink. In recognition of this fact, you agree that in paying or taking an item for collection, the Bank may disregard all information on the item other than the drawer’s signature, the identity of the drawee bank, the amount of the item, and any other information encoded onto the item in magnetic ink according to general banking standards, whether or not that information is consistent with other information on the item. You agree Bank is acting within reasonable banking standards by processing most checks and other items through automated processing systems. Bank will not honor nor is it bound by restrictions or other legends unless Bank has expressly agreed in writing to do so. Examples of restrictive legends the Bank will not honor are “must be presented within 90 days”, “paid in full”, “two signatures required”, or “not valid for more than $1,000.00”. Bank is not responsible for any losses, claims, damages, or expenses that result from your placement of these or other special instructions on your checks. Bank will not enforce multiple signature requirements on any Accounts, regardless of whether consumer or business, even if your signature card specifies that multiple signatures are required, or you have otherwise instructed the Bank to do so. Any multiple signature requirements are for your internal control purposes only. You agree that the Bank does not fail to exercise ordinary care in paying an item solely because its procedures do not provide for sight-review or provide for sight-review only for items above a threshold level, or on a sample basis, at the discretion of the Bank. The Bank reserves the right not to sight-review drawer signatures because it pays items on an automated basis to reduce costs for all customers. The signature you affix on or provide in conjunction with the signature card is deemed your authorized signature. You authorize Bank to store and use signature card information in any reasonable form it deems necessary, including any digitized signature capture process. For the payment of funds and for other purposes relating to any Account you have with the Bank, the Bank is authorized to recognize your signature, but it will not be liable to you for refusing to honor your checks or other signed instructions if it believes in good faith that the signature appearing on such checks or instructions is not genuine. You may authorize the use of a facsimile signature or other form of mechanically-produced signature (such as, but not limited to, stamp, desktop publishing, digitized, or computer software generated signatures) (collectively, “Facsimile Signature”) in conjunction with your Account(s) by so indicating on your signature card, executing a Facsimile Signature Agreement and delivering a sample of the Facsimile Signature to the Bank. If you have authorized the use of a Facsimile Signature device, the Bank may honor any check or other signed instruction that bears or appears to bear your Facsimile Signature even if it was made by an unauthorized person or with a counterfeit facsimile device. Therefore, you should maintain close control over your Facsimile Signature device and promptly review your statements and cancelled checks for unauthorized use of the device. You agree that a Facsimile Signature Bank has been authorized to honor cannot be considered a forgery or an unauthorized signature, but such Facsimile Signature shall be effective as your signature or endorsement. You further agree to indemnify and hold Bank harmless from and against any and all loss, costs, damage, liability, or exposure (including reasonable attorneys’ fees) Bank or you may suffer or incur as a result of the unlawful use, unauthorized use, or misuse by any person of any such Facsimile Signature or the device by which it is affixed.
Appears in 1 contract
Sources: Deposit Account Agreement
Payment Order of Items. When processing checks drawn on your Account, the Bank’s policy is to pay them in check number order. Lower numbered checks are paid first. Items without check numbers, such as electronic transactions, post first before checks presented are processed. The order in which items are paid is important if there is not enough money in your Account account to pay all of the items that are presented. There is no policy that is favorable in every instance. If The payment order can affect the smallest number of items are paid first, overdrawn or returned unpaid and the amount of the fees you may have fewer NSF or overdraft feesto pay. To assist you in managing your account, but we are providing you with the largest, and perhaps more important items (such as rent or mortgage payments) might not be paidfollowing information regarding how we process those items. However, if the largest items are paid Generally our policy is to process withdrawals first, your most important items might be paid but it may increase by dollar amount - smallest to largest on the overdraft or NSF fees if funds day they are not available processed. We process POS transactions second, by dollar amount - smallest to pay all of largest on the itemsday they are processed. The Bank’s policy attempts We process ATM transactions third, by dollar amount - smallest to attain a reasonable balance between minimizing additional cost largest on the day they are processed. We process online transfer withdrawals fourth, by dollar amount - smallest to largest on the day they are processed. We process checks you and paying your more important itemshave written fifth, given according to the assumption you desire serial number order on the day they are processed. We process ACH transactions sixth, by dollar amount - smallest to have checks paid in largest on the order you wrote themday they are processed. If a check, item or transaction (other than an item ATM or everyday debit card transaction) is presented without sufficient funds in your Account account to pay it, Bank we may, at its our discretion, pay the item (creating or increasing an overdraft) or return the item for insufficient funds (NSF). We will not charge you a fee for paying an overdraft of an ATM or everyday debit card transaction if this is a consumer account and you have not opted-in to that service. Occasionally, these items may not be posted in the order described above, which may affect the number of items overdrawn or returned unpaid and the amount of fees you may have to pay. The Bank may charge fees for overdrafts amounts of the overdraft and NSF and such fees are disclosed elsewhere, as are your rights to opt in the Scheduleto overdraft services for ATM and everyday debit card transactions, if applicable. Additionally, a merchant may present an item or payment multiple times if the amount of money in your Account is not sufficient at the time of presentment of the item or payment. An NSF fee may apply each time an item or payment is presented; regardless of the number of times the item or payment is presented. The Bank encourages We encourage you to make careful records and practice good Account account management. This will help you to avoid creating items without sufficient funds and potentially incurring the resulting fees. Any signer on the Account, acting alone, has the authority to make withdrawals or transfers of all or any part of the Account balance at any time. Each Account owner (until ▇▇▇▇ receives written notice to the contrary and Bank has had a reasonable opportunity to act on such written notice) authorizes each other person who signs or has authority to make withdrawals, as documented on the applicable signature card, to endorse any item payable to you or your order for deposit to the Account or any other transaction with Bank. Each Account owner also agrees to be jointly and severally liable for any Account shortage resulting from charges or overdrafts, whether caused by you or another with access to the Account. This liability is due immediately and can be deducted directly from the Account balance whenever sufficient funds are available. You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft. Bank does not have to allow you to make a withdrawal from your Account if you do not have sufficient available funds in the Account to cover the full amount of the withdrawal. Bank will post non-check debits in ascending dollar amount order and then post check withdrawals received on a single business day. Bank posts checks received on a single business day against your Account in check number order. Checks presented in person at one of Bank’s branches will post in ascending check number order prior to checks clearing through nightly processing, which will also be processed in ascending check number order. Bank may pay other withdrawals or debit items (such as charges) prior to paying any checks and the method of payment for the other withdrawals and debit items may be in any order and at its sole discretion. If there are insufficient available funds to cover some of the withdrawals or debits presented against your Account, such items will be handled in accordance with Bank’s overdraft procedures and applicable law. Even if Bank chooses to pay one or more overdrafts, it is not obligated to cover any future overdrafts. Bank may determine the balance of your Account in connection with determining whether payment of an item will create an overdraft at any time between the time the Bank receives the item and the deadline for Bank to take action on the item. Bank is not required to determine your Account balance more than one (1) time during this period. Fees may apply to overdrafts and, if applicable, will be posted in accordance with the terms outlined in the Schedule. A fee may be assessed on any item that will overdraw the available Account balance, regardless of whether Bank pays or dishonors (return) the item. If Bank pays the item, it may charge an NSF Item Paid Fee. If Bank returns the item, it may charge an NSF Item Return Fee. You agree, immediately upon notice from Bank, to deposit funds sufficient to cover any overdraft plus NSF fee, if required. Bank will not be liable for the dishonor of any item when the dishonor occurs because it set off a debit against your Account. Bank may also refuse to allow a withdrawal if there is a dispute about the Account (unless a court has ordered Bank to allow the withdrawal), the Account is garnished or attached, the Account has been pledged as collateral for a debt, the availability of the funds on deposit cannot be verified, any required documentation has not been presented, or you fail to repay an obligation to Bank on time. Federal regulations allow Bank to retain the right to require you to give at least seven (7) days’ notice in writing prior to any intended withdrawal from a savings, negotiable order of withdrawal (“NOW”), personal interest-bearing checking or money market account. Although Bank usually pays withdrawals or checks without notice on these Accounts, doing so in no way serves as a waiver of this right. Bank reserves the right to pay or dishonor a check more than six (6) months old without prior notice to you. You agree Bank is not responsible for any loss to you by doing so. Bank also reserves the right to pay or dishonor a check dated in the future. You agree Bank is not responsible for any loss to you in doing so. You agree when you write a check, you will not date the check in the future. If you do, and the check is presented for payment before the date of the check, Bank may pay it or return it unpaid. You agree if Bank pays the check, the check will be posted to your Account on the date Bank pays the check, even though the posting date is prior to the date on the check. Bank will not honor a postdated check if Bank receives advance notice from you at such a time and in such a manner as to afford Bank reasonable opportunity to act. The notice must specify the date, amount, number of the check, and the name of the payee. Notices are effective for the time periods stated in the Stop Payment Orders section in this Agreement. You recognize that the Bank has adopted automated collection and payment processing, even for items deposited or negotiated in person, so it can process the greatest volume of items at the lowest possible cost to its customers. The automated procedures rely primarily on information encoded onto each item in magnetic ink. In recognition of this fact, you agree that in paying or taking an item for collection, the Bank may disregard all information on the item other than the drawer’s signature, the identity of the drawee bank, the amount of the item, and any other information encoded onto the item in magnetic ink according to general banking standards, whether or not that information is consistent with other information on the item. You agree Bank is acting within reasonable banking standards by processing most checks and other items through automated processing systems. Bank will not honor nor is it bound by restrictions or other legends unless Bank has expressly agreed in writing to do so. Examples of restrictive legends the Bank will not honor are “must be presented within 90 days”, “paid in full”, “two signatures required”, or “not valid for more than $1,000.00”. Bank is not responsible for any losses, claims, damages, or expenses that result from your placement of these or other special instructions on your checks. Bank will not enforce multiple signature requirements on any Accounts, regardless of whether consumer or business, even if your signature card specifies that multiple signatures are required, or you have otherwise instructed the Bank to do so. Any multiple signature requirements are for your internal control purposes only. You agree that the Bank does not fail to exercise ordinary care in paying an item solely because its procedures do not provide for sight-review or provide for sight-review only for items above a threshold level, or on a sample basis, at the discretion of the Bank. The Bank reserves the right not to sight-review drawer signatures because it pays items on an automated basis to reduce costs for all customers. The signature you affix on or provide in conjunction with the signature card is deemed your authorized signature. You authorize Bank to store and use signature card information in any reasonable form it deems necessary, including any digitized signature capture process. For the payment of funds and for other purposes relating to any Account you have with the Bank, the Bank is authorized to recognize your signature, but it will not be liable to you for refusing to honor your checks or other signed instructions if it believes in good faith that the signature appearing on such checks or instructions is not genuine. You may authorize the use of a facsimile signature or other form of mechanically-produced signature (such as, but not limited to, stamp, desktop publishing, digitized, or computer software generated signatures) (collectively, “Facsimile Signature”) in conjunction with your Account(s) by so indicating on your signature card, executing a Facsimile Signature Agreement and delivering a sample of the Facsimile Signature to the Bank. If you have authorized the use of a Facsimile Signature device, the Bank may honor any check or other signed instruction that bears or appears to bear your Facsimile Signature even if it was made by an unauthorized person or with a counterfeit facsimile device. Therefore, you should maintain close control over your Facsimile Signature device and promptly review your statements and cancelled checks for unauthorized use of the device. You agree that a Facsimile Signature Bank has been authorized to honor cannot be considered a forgery or an unauthorized signature, but such Facsimile Signature shall be effective as your signature or endorsement. You further agree to indemnify and hold Bank harmless from and against any and all loss, costs, damage, liability, or exposure (including reasonable attorneys’ fees) Bank or you may suffer or incur as a result of the unlawful use, unauthorized use, or misuse by any person of any such Facsimile Signature or the device by which it is affixed.
Appears in 1 contract
Sources: Account Agreement
Payment Order of Items. When processing checks drawn on your Account, the Bank’s policy is to pay them in check number order. Lower numbered checks are paid first. Items without check numbers, such as electronic transactions, post first before checks presented are processed. The order in which items are paid is important if there is not enough money in your Account to pay all of the items that are presented. There is no policy that is favorable in every instance. If the smallest items are paid first, you may have fewer NSF or overdraft fees, but the largest, and perhaps more important items (such as rent or mortgage payments) might not be paid. However, if the largest items are paid first, your most important items might be paid but it may increase the overdraft or NSF fees if funds are not available to pay all of the items. The Bank’s policy attempts to attain a reasonable balance between minimizing additional cost to you and paying your more important items, given the assumption you desire to have checks paid in the order you wrote them. If an item is presented without sufficient funds in your Account to pay it, Bank may, at its discretion, pay the item (creating or increasing an overdraft) or return the item for NSF. The Bank may charge fees for overdrafts and NSF and such fees are disclosed in the Schedule. Additionally, a merchant may present an item or payment multiple times if the amount of money in your Account is not sufficient at the time of presentment of the item or payment. An NSF fee may apply each time an item or payment is presented; regardless of the number of times the item or payment is presented. The Bank encourages you to make careful records and practice good Account management. This will help you to avoid creating items without sufficient funds and incurring the resulting fees. Any signer on the Account, acting alone, has the authority to make withdrawals or transfers of all or any part of the Account balance at any time. Each Account owner (until ▇▇▇▇ Bank receives written notice to the contrary and Bank has had a reasonable opportunity to act on such written notice) authorizes each other person who signs or has authority to make withdrawals, as documented on the applicable signature card, to endorse any item payable to you or your order for deposit to the Account or any other transaction with Bank. Each Account owner also agrees to be jointly and severally liable for any Account shortage resulting from charges or overdrafts, whether caused by you or another with access to the Account. This liability is due immediately and can be deducted directly from the Account balance whenever sufficient funds are available. You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft. Bank does not have to allow you to make a withdrawal from your Account if you do not have sufficient available funds in the Account to cover the full amount of the withdrawal. Bank will post non-check debits in ascending dollar amount order and then post check withdrawals received on a single business day. Bank posts checks received on a single business day against your Account in check number order. Checks presented in person at one of Bank’s branches will post in ascending check number order prior to checks clearing through nightly processing, which will also be processed in ascending check number order. Bank may pay other withdrawals or debit items (such as charges) prior to paying any checks and the method of payment for the other withdrawals and debit items may be in any order and at its sole discretion. If there are insufficient available funds to cover some of the withdrawals or debits presented against your Account, such items will be handled in accordance with Bank’s overdraft procedures and applicable law. Even if Bank chooses to pay one or more overdrafts, it is not obligated to cover any future overdrafts. Bank may determine the balance of your Account in connection with determining whether payment of an item will create an overdraft at any time between the time the Bank receives the item and the deadline for Bank to take action on the item. Bank is not required to determine your Account balance more than one (1) time during this period. Fees may apply to overdrafts and, if applicable, will be posted in accordance with the terms outlined in the Schedule. A fee may be assessed on any item that will overdraw the available Account balance, regardless of whether Bank pays or dishonors (return) the item. If Bank pays the item, it may charge an NSF Item Paid Fee. If Bank returns the item, it may charge an NSF Item Return Fee. You agree, immediately upon notice from Bank, to deposit funds sufficient to cover any overdraft plus NSF fee, if required. Bank will not be liable for the dishonor of any item when the dishonor occurs because it set off a debit against your Account. Bank may also refuse to allow a withdrawal if there is a dispute about the Account (unless a court has ordered Bank to allow the withdrawal), the Account is garnished or attached, the Account has been pledged as collateral for a debt, the availability of the funds on deposit cannot be verified, any required documentation has not been presented, or you fail to repay an obligation to Bank on time. Federal regulations allow Bank to retain the right to require you to give at least seven (7) days’ notice in writing prior to any intended withdrawal from a savings, negotiable order of withdrawal (“NOW”), personal interest-bearing checking or money market account. Although Bank usually pays withdrawals or checks without notice on these Accounts, doing so in no way serves as a waiver of this right. Bank reserves the right to pay or dishonor a check more than six (6) months old without prior notice to you. You agree Bank is not responsible for any loss to you by doing so. Bank also reserves the right to pay or dishonor a check dated in the future. You agree Bank is not responsible for any loss to you in doing so. You agree when you write a check, you will not date the check in the future. If you do, and the check is presented for payment before the date of the check, Bank may pay it or return it unpaid. You agree if Bank pays the check, the check will be posted to your Account on the date Bank pays the check, even though the posting date is prior to the date on the check. Bank will not honor a postdated check if Bank receives advance notice from you at such a time and in such a manner as to afford Bank reasonable opportunity to act. The notice must specify the date, amount, number of the check, and the name of the payee. Notices are effective for the time periods stated in the Stop Payment Orders section in this Agreement. You recognize that the Bank has adopted automated collection and payment processing, even for items deposited or negotiated in person, so it can process the greatest volume of items at the lowest possible cost to its customers. The automated procedures rely primarily on information encoded onto each item in magnetic ink. In recognition of this fact, you agree that in paying or taking an item for collection, the Bank may disregard all information on the item other than the drawer’s signature, the identity of the drawee bank, the amount of the item, and any other information encoded onto the item in magnetic ink according to general banking standards, whether or not that information is consistent with other information on the item. You agree Bank is acting within reasonable banking standards by processing most checks and other items through automated processing systems. Bank will not honor nor is it bound by restrictions or other legends unless Bank has expressly agreed in writing to do so. Examples of restrictive legends the Bank will not honor are “must be presented within 90 days”, “paid in full”, “two signatures required”, or “not valid for more than $1,000.00”. Bank is not responsible for any losses, claims, damages, or expenses that result from your placement of these or other special instructions on your checks. Bank will not enforce multiple signature requirements on any Accounts, regardless of whether consumer or business, even if your signature card specifies that multiple signatures are required, or you have otherwise instructed the Bank to do so. Any multiple signature requirements are for your internal control purposes only. You agree that the Bank does not fail to exercise ordinary care in paying an item solely because its procedures do not provide for sight-review or provide for sight-review only for items above a threshold level, or on a sample basis, at the discretion of the Bank. The Bank reserves the right not to sight-review drawer signatures because it pays items on an automated basis to reduce costs for all customers. The signature you affix on or provide in conjunction with the signature card is deemed your authorized signature. You authorize Bank to store and use signature card information in any reasonable form it deems necessary, including any digitized signature capture process. For the payment of funds and for other purposes relating to any Account you have with the Bank, the Bank is authorized to recognize your signature, but it will not be liable to you for refusing to honor your checks or other signed instructions if it believes in good faith that the signature appearing on such checks or instructions is not genuine. You may authorize the use of a facsimile signature or other form of mechanically-produced signature (such as, but not limited to, stamp, desktop publishing, digitized, or computer software generated signatures) (collectively, “Facsimile Signature”) in conjunction with your Account(s) by so indicating on your signature card, executing a Facsimile Signature Agreement and delivering a sample of the Facsimile Signature to the Bank. If you have authorized the use of a Facsimile Signature device, the Bank may honor any check or other signed instruction that bears or appears to bear your Facsimile Signature even if it was made by an unauthorized person or with a counterfeit facsimile device. Therefore, you should maintain close control over your Facsimile Signature device and promptly review your statements and cancelled checks for unauthorized use of the device. You agree that a Facsimile Signature Bank has been authorized to honor cannot be considered a forgery or an unauthorized signature, but such Facsimile Signature shall be effective as your signature or endorsement. You further agree to indemnify and hold Bank harmless from and against any and all loss, costs, damage, liability, or exposure (including reasonable attorneys’ fees) Bank or you may suffer or incur as a result of the unlawful use, unauthorized use, or misuse by any person of any such Facsimile Signature or the device by which it is affixed.six
Appears in 1 contract
Sources: Deposit Account Agreement