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YourDepositAccountAgreement&General Terms & ConditionsElectronic TransfersFunds AvailabilityEffective May 10, 2021Member FDIC
Frequently Asked Questions to Manage Your Account:What common terms should I be aware of?Definitions.4What happens if my account becomes overdrawn?Liability for Charges and Overdrafts .6Transaction Posting Order .6Insufficient Funds and Overdrafts.9Overdraft Handling .10Overdraft Protection Plans.10Will this Deposit Account Agreement ever change?Changes to Our Agreement with You .17How do I close my account?Closing Your Account .17How can I expect to receive statements and other account communications?Statements and Notices .17How soon can I use my funds after making a deposit?Funds Availability: Your Ability to Withdraw Funds –All AccountsDetermining the Availability of a Deposit – All Accounts.23Immediate Availability – All Accounts .23Longer Delays May Apply.23Retail Consumer, Businessand Commercial Accounts .23Wealth Management Accounts.23Deposits at Automated Teller Machines – Retail Consumer, Business and Commercial Accounts.24Special Rules for New Accounts – Retail Consumer and Business Accounts.24Cashing Checks.24Other Accounts.241
Table of ContentsTerms Applicable to all AccountsThis is an Agreement .4Definitions.4Cellular Phone Contact Policy .4Monitoring and Recording Communications.4Waivers and Precedents .4Applicable Law.4Customer Identification Program Notice (USA PATRIOT Act) .5Owner’s Authority.5Authorized Access and Power of Attorney .5You Cannot Transfer an Account .5Change in Authorized Signers .5Adjustments .6Retention of Documents .6Liability for Charges and Overdrafts .6Transaction Posting Order .6Deposits.6Returned Deposited and Cashed Items .7Check 21 .7Substitute Checks and Your Rights.7Copies of Documents.7Night Depository.7Checks.8Endorsement Standards.8Insufficient Funds and Overdrafts.9Overdraft Handling .10Overdraft Protection Plans.10Refusing Payment on Your Checks.12Funds Transfers.12Withdrawal Rights, Ownership of Account, and Beneficiary Designation .12Pledges and Security Interests in Favor of Others .14Accrual of Interest.14Stop Payments.15Dormant Accounts and Escheat .15Special Provisions for Third-Party Accounts.15Consumer Electronic Check Representment .16Checking Accounts and “Subaccounts”.16Telephone Transfers .16Real-Time Payments / Prohibition on Foreign Payments.16Required Signatures .17Changes to Our Agreement with You .17Closing Your Account .17Statements and Notices .17Return of Cancelled Checks.18Checks, Checking Accounts and Savings Accounts with Draft Access.18Savings Accounts .18S.T.A.R.T. Program Agreement .19Time Deposits .20Limit of Liability.20Electronic Messages and Agreements.20Levies, Garnishments and Other Legal Process .20Resolving Account Disputes and Adverse Claims.21Increased Costs to Maintain Your Account.21Consumer Report Disputes .21Account Information.21Setoff.21Security Interest in Accounts .21Security .21Resolution of Disputes by Arbitration .
Cellular Phone Contact Policy 4 . or continuing to hold an account with us, you . agree to the most recent version of this Agreement, which is available to you at your local U.S. Bank branch, at www.usbank.com, or by calling U.S. Bank . If we pay a check that is more than your ac
