Because we process stop payment orders on our computer system, you must provide us with complete and accurate information sufficient for us to identify the stop payment item on our system. Earned points are calculated on actual dollars spent rounded up or down to the nearest point. You could lose all the money in your account, plus the maximum amount of any line of credit (such as a Checkline Reserve or EquityLine) or savings account linked to your account for overdraft protection transfer purposes. We may pay checks or other items drawn upon your account in any order we determine, including, but not limited to, paying higher amount items before lower amount items, even if paying a particular check or item results in an insufficient balance in your account to pay one or more other items that otherwise could have been paid out of your account or results in overdraft fees or charges. You may not stop payment on a check that has been converted by a merchant at the point of sale to an ACH debit entry (an "electronic check conversion"). You agree not to use the ACH system to process transactions in violation of (i) sanctions imposed by OFAC, (ii) federal rules implementing and enforcing the Unlawful Internet Gambling Enforcement Act, or (iii) other federal laws. You have full responsibility to maintain the security of a facsimile signature device. If you do NOT want us to pay any NSF items, you must notify us by calling FC DIRECT using the telephone number provided in the "Bank Contacts" section at the end of this Agreement. Our representatives are available Monday through Sunday between the hours of 7 am and 11 pm ET. The redemptions will post within 2 to 8 business days. We will not be responsible or liable if we pay the item contrary to your stop payment order if payment occurs before we have had a reasonable time to act on your stop payment order, if payment occurs as a result of inadvertence, accident or oversight, if the stop payment order has expired, or if other items drawn by you are returned for insufficient funds because we paid the item. More than 2 overdrafts or returned checks in last 3 months; Any legal orders, levies, liens and/or suspected fraud against your accounts; Any other restrictions on your accounts; View our Mobile Deposit Agreement. 233 (Regulation GG) and 31 C.F.R. When your account changes to inactive status, we will stop sending you monthly statements and will only send statements semi-annually; however, any undelivered statements will be available to you at any time upon your request, and you agree that your statements have been "made available" to you under this procedure for purposes of your obligation to review your statements in a timely manner and report any irregularities to us. Checks over $25,000 that are electronically converted and debited to any account, whether business or consumer, are also considered ineligible entries. No Claim may be arbitrated on a class action basis. This brochure and your other account documents, together with any changes we may later make to them, serve as our contract with you governing your deposit accounts. Upon the death of a co-owner of a "without" or "no" survivorship account, we may require, at our option, withdrawals only upon the signatures of the surviving account owners and the legal representative of the decedent's estate, or we may pay the entire balance to the appropriate office of the court for distribution as the law may require, or we may pay the entire balance to the surviving co-owners and the decedent's estate. When we authorize a transaction and place a "hold" on your account, the available balance in your account will be reduced. The redemptions will post within 2-8 business days. We have branches in a number of states. To the extent permitted by applicable state law, all of the funds in a joint account may be used to repay the debts of any co-owner, whether they are owed individually by a co-owner, jointly with other co-owners, or jointly with other persons or entities having no interest in your account. Businesses may earn up to 10,000 points per calendar month, excluding bonus points. What does it cost to use Mobile Deposit? Reward dollars expiring during the year will be cleared from the Program Account on the last day of the month in which they expire. Each owner also agrees that we may debit funds from any other account held by such owner to repay overdrafts and any service fees related to overdraft activity. For CD accounts other than Premier, balances at renewal below the minimum deposit required to open the account will not earn interest. Items in the first numbered transaction type post first; items in the tenth numbered transaction type post last. However, if the merchant charges you a fee as a result of the returned check and you authorize the merchant to electronically debit the fee from your consumer account, that transfer is covered by Regulation E and the Regulation E Disclosures set forth elsewhere in this Agreement. 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