Postdated and Stale Dated Items. You authorize us to accept and pay any check even if the check is presented for payment before its date, unless you notify OCCU of the postdating. Your notice will be effective only if OCCU receives the notice in time for OCCU to notify its employees and reasonably act upon the notice and you accurately describe the check, including the number, date and amount. You understand that exact information is necessary for OCCU’s systems to identify the check. If you give OCCU incorrect, incomplete or untimely notice, OCCU will not be responsible for paying the item before the date stated and OCCU may charge your account as of the date OCCU pays the item. You may make oral notice, which will lapse within 14 calendar days unless continued in writing within that time. Written notice is effective for six months. Written notice may be renewed from time to time. You agree not to deposit checks, drafts or other items before they are properly payable. OCCU is under no obligation to pay a check or draft drawn on your account which is presented more than six months after its date.
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Sources: Membership and Account Agreement, Membership and Account Agreement