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# OWNERSHIP OF ACCOUNT
# DEPOSITS
# FUNDS AVAILABILITY POLICY
# SPECIAL RULES FOR NEW ACCOUNTS
# WITHDRAWALS
# STATEMENTS
# DORMANT ACCOUNTS
# SET-OFF
# REPLACEMENT OF CASHIER'S/CERTIFIED CHECKS
# GENERAL PROVISIONS
# STOP PAYMENTS
# ORDERING CHECKS FROM INDEPENDENT COMPANIES
# DIRECT DEPOSIT

# SCHEDULE OF FEES AND CHARGES

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DIRECT DEPOSIT

If we deposit any amount in your account which should have been returned to the State or Federal Government for any reason, you authorized us to deduct the amount of our liability to the State or Federal Government from your account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability.


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Equal Housing Lender, Member FDIC

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