Reserve Restructuring. You acknowledge Legacy’s right to periodically reclassify balances in your transaction account for the purpose of the Federal Reserve System’s Regulation D. You agree that this reclassification will be accomplished by our periodically reallocating funds between two different types of subaccounts. You acknowledge and agree that in this reallocation, one subaccount will be the same type of account as your account and the other will be a type of savings account. You agree that if your account is a regular checking account, Legacy may require at least seven days written notice from you of withdrawal prior to transfer of any funds from the savings subaccount. You acknowledge that this reserve restructuring will not affect your bank statement, balance, interest, FDIC insurance or any other features of your accounts.
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Sources: Deposit Agreement, Deposit Agreement