These charges and fees are assessed in accordance with our Schedule of Fees. You must activate your Card in accordance with the instructions provided before it can be used. Close any savings Account that is inactive for at least 6 months. Instead, we will notify you of the receipt of payments in your periodic account statements. Banking services provided by our partner bank Choice Financial Group Inc. In case of errors or questions about your electronic fund transfers, you agree to promptly contact Customer Service by email at [emailprotected]. We do not accept funds from an account that is not in your name. You may arrange to have certain recurring withdrawals automatically paid (debited) from your Account. All ACH transactions must match the name on your Account to be accepted. We limit Business Accounts to single-owner limited liability companies that have been assigned an EIN. 6.5.1. All deposits will be credited to your Account in accordance with our Funds Availability Policy. Transactions Using Your Card Number. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa Debit Card. Service means a bill payment service, funds transfer service, or any other financial product or service provided by Choice Financial and accessed and made available through Lili. For purposes of this Agreement, our business days are Monday through Friday, unless stated otherwise. There is a limit on the number of such denials permitted, beyond which the machine may retain your Card. If state and federal law are inconsistent, or if state law is preempted by federal law, federal law governs. If you fail to give us the required notice within that 14-day period, we will not be liable to you for any loss of interest or for any other compensation relating to the unauthorized or erroneous debit to your Account or because of any other discrepancy in the Account statement. Electronic Fund Transfer Disclosures. You also give us the right, to the extent not prohibited by law, to set off against your funds to pay the amount owed to us. 3 Early access to direct deposit funds depends on the timing of payers submission of deposits. We offer Services that may be considered electronic fund transfers governed by the federal Electronic Fund Transfer Act and Regulation E, including, but not limited to, ATM transactions; ACH transactions, including, but not limited to, direct deposits and pre-authorized withdrawals; and online transfers. Member FDIC. Tell us immediately if you believe your Card and/or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. If an arbitrator or court finds any provision to be invalid, you and we agree that the arbitrator or court should give valid effect to the intention of that provision, and that the remainder of the Agreement remain in full force and effect. If you wish to close your Account with us, you agree to withdraw all funds from your Account, and we may require you to notify us of this intention in writing. These are called split transactions. Some merchants do not allow cardholders to conduct split transactions. Until we receive the appropriate court documents, we may continue to process transactions against your Account, even if we have received an unofficial notification of an adverse claim. Your Account (defined below) is provided by Choice Financial Group (Choice Financial or the Bank), who is also the issuer of your Lili Card. In these cases, we will advise you accordingly, provide you the necessary forms for confirming your dispute in writing, and give you instructions for sending us the signed form. After an Account is closed, we have no obligation to accept deposits or pay outstanding items but may do so at our discretion. Even if you have been an existing customer of ours, we may ask you to provide this kind of information and documentation because we may not have collected it from you in the past or we may need to update our records. The annual percentage yield (APY) shown in conjunction with the interest rate assumes all funds (including interest earned) will remain on deposit. Sufficient storage space to save any Legal Disclosure or an installed printer to print them. Preauthorized (ACH) Debits or Credits. To open a DBA Business Account you must provide [the businesss EIN, the owners Social Security Number, and documentation of the DBA]. We would like to communicate with you using electronic means. Further, you agree that you will not reveal your Login Credentials, PIN, or any other access device, to any person not authorized by you to use your Card; not write your PIN or Login Credentials on your Card or on any item kept with your Card; and not leave your mobile or other device unattended after you have logged on using your Login Credentials. This agreement is governed by and interpreted according to federal law [and the law of the state where your Account is located]. Additional fees are set forth in the Schedule of Fees. Affected by Brexs SMB exit? All items deposited will be handled by us as agent for you. It is our policy to review each deposit and determine how the funds are being deposited. If you notify us by telephone, you may be required to confirm the information provided by writing to us at [emailprotected]. All overdraft balances will be settled with your next incoming credit, regardless of where the funds originated (including but not limited to Payroll, loan proceeds, ACH Credits, Check or Cash Deposits). When you sign-up for an Account, we will request your mobile telephone number. If you do not use the MoneyPass ATM network, we may charge a fee to use your Card at an ATM within the United States or internationally to make a point-of-sale purchase in accordance with our Schedule of Fees. We may also require proof of legal formation or articles of incorporation to add a business name to your Account. PIN means a personal identification number. Limits to the number of mobile deposits permitted and the amount of funds that can be deposited are imposed for security reasons. The funds in your Account arent available at the time the EFT posts to your account. If a claim is made on any item subsequent to final payment on the grounds that the item was altered, bears a forged or unauthorized endorsement, or was not otherwise properly payable, we will withhold credit for the item from your Account until final determination of the claim. If you are opening a Business Account, we may also ask for your companys legal name, EIN, legal address, state of incorporation, and other information that will allow us to identify your company. By applying for an Account or enrolling in Services, you agree to be bound by this Agreement and agree to pay any fees that may be imposed. If provisional credit was given and it is determined that there was no error, you must repay to us the amount of the provisional credit for the disputed item(s).
For errors involving new Accounts within 30 days after the first deposit, point-of-sale transactions or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. Some locations have lower limits and retailer fees may vary ($4.95 max). Information contained in this section is to assist you in understanding our Funds Availability Policy. You will have access to those funds for five (5) business days, and then we may deduct such amounts from your account without further notice. 2 The Annual Percentage Yield (APY) for the Lili Savings Account is variable and may change at any time. We will not be held liable if such action causes outstanding items to be dishonored and returned, or payment orders to be rejected. You could lose all the money in your Account! If you need to be sure when a particular deposit will be available for withdrawal, you can verify the availability of your deposit by viewing the transaction detail on your Lili mobile app. Deposits received after 4:00 PM (CST) will be considered to be received on the next business day. 6.3.2.2. Some services may not be available at international ATM terminals. We will disclose information about your Account or the transactions you make to third parties: 6.3.7. For this purpose, we may not readily disclose those limits to you. We process items in order in which we receive them. We do not accept ACH or direct deposits not in your name. Lili will determine whether you are eligible for the ACH Debit Feature at our sole discretion.
Must have $0.01 in savings to earn interest. There is no minimum balance requirement to open an Account. Special rules may apply to new Accounts. Applicable fees will be deducted from your Account and listed on your Account statement. Consistent with applicable law, you may use your Card with your PIN to perform most routine transactions on the Accounts that are accessible by your Card, such as to: Some of the above transactions may not be available at all ATMs or locations. We reserve the right to require not less than 7 days notice in writing before any withdrawal from a savings Account. If you have any questions about this Agreement, please contact us at [emailprotected]. 1.6. Examples of this service include the direct deposit of Social Security and other government payments, and the direct deposit of your payroll. This Agreement incorporates by reference any disclosures we give you when you open your Account, subsequent disclosures we provide in connection with an Account or Services, periodic statements, user guides, the applicable privacy policies, and any other disclosure or terms we provide to you in connection with an Account or Services, in each case as may be amended from time to time. If funds remain in the Account after you have notified us of your intent to close your Account, we will require you to submit your request to us in writing and we will return any remaining funds to you. You may ask for copies of the documents we used in our investigation. If you use the ACH Funds Transfer Service to transfer funds to or from an account that has multiple owners, you agree that each owner authorizes the others to (a) initiate the transfer of funds between accounts; (b) register any external bank account or credit card; and (c) initiate the transfer of funds between your Account(s) with us and any registered external bank account or credit card. We will advise you accordingly, provide you the necessary form(s) for confirming your dispute in writing, and give you instructions for sending us the signed form. We reserve the right to refuse any withdrawal or transfer request that is attempted by any method not specifically permitted or that exceeds any frequency or monetary limitations. In some cases, depending on the facts, your claim may not be honored and you may incur a loss. If you do not have sufficient funds in your Account, you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or another card. Note that Lili does not charge transaction fees. You will need to provide your personal and card information in order to verify your identity and activate your Card. All ACH transactions must match the name on your Account to be accepted. We reserve the right to limit the number of external accounts that can be linked to your Account for purposes of transferring funds; to limit functionality of the Funds Transfer service by imposing limits, holds, or other measures; and to close your Account if unlawful activity is found or suspected. Funds from electronic payments or transfers you initiate will be applied to the beneficiary Account when we have verified the external account and received payment in collected funds. You agree to maintain a positive balance and will not incur overdrafts. We do not receive written confirmation of your telephone or email request to stop payment within 14 calendar days, and the preauthorized transfer occurs after the 14 calendar days. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to your Account in connection with such entry. You will get a monthly Account statement (unless there are no transfers in a particular month, in which case you will get the statement at least quarterly). ACH transactions will not be processed and accessible until the Service is activated by us. This Agreement applies to both the Basic Account and the Pro Account types. You acknowledge that we will not give you next day notice of receipt of an ACH item. The Account name, Account number, and last four digits of the Card number, if applicable; A description of the suspected error or the transfer about which you are unsure, why you believe there is an error, or why you need more information; The dollar amount of the suspected error; and. For this purpose, we may not readily disclose those limits to you. The savings Account is a variable rate account. 1 Available to Lili Pro account holders only, applicable monthly account fee applies. The funds in your Account are subject to legal process. Some deposit types may not be available for immediate use. In order to transfer funds from an account that you own or have control of at another financial institution to your Account with us using the Automated Clearing House (ACH) Funds Transfer Service, we use Plaid to gather your data from external financial institutions you connect via the Lili mobile app. Once you withdraw your consent, we will no longer send you paper copies of any Legal Disclosure. We may cancel or suspend your Account, card, other Services or this Agreement at any time. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. Card Transactions means any payment made for goods or services, cash withdrawals from an ATM or transfer of funds made through the use of the Card or the Card number. By opening a Personal Account with us, you certify to us that you will use the Account primarily for personal, family or household use. You are required to confirm the information provided over phone or email in writing to receive provisional credit. Fees may reduce earnings. We may charge a fee for returned deposited items in accordance with our Schedule of Fees. This authority will cease only after we have received and have been given a reasonable amount of time to act on the appropriate documentation needed to change or remove the Owner from the Account. We may also require the identifying information listed above regarding the owner of the company. No minimum balance required. We do not offer joint accounts or the ability to add authorized users at this time. Only Accounts in good standing will be eligible for overdraft protection. When your Card or other network enhancement feature related to the Card is used at a point-of-sale location to obtain goods or services or obtain cash, the merchant may attempt to obtain preauthorization from us for the transaction. If the Account becomes inactive or dormant, the Account will continue to be subject to any service charges in accordance with our Schedule of Fees. The transaction would exceed security limitations on the use of your Card. To the extent you access your Account or the Services through a mobile device, your wireless service carriers charges, data rates, and other fees may apply. Your opening and use of an Account or Card is subject to the privacy policy of Choice Financial which is available here and Lili which is available here. There arent sufficient funds in your Account to complete the transaction through no fault of ours. Lili Rewards are powered by Visa SavingsEdge offered by Visa U.S.A. Inc. By accepting this Agreement you also accept the Visa SavingsEdge Terms and Conditions. This should include a signature(s) from the named payee(s). If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card and/or PIN, and we can prove we could have stopped someone from using your Card and/or PIN without your permission if you had told us, you could lose as much as $500. We do not support Trust accounts or Powers of Attorneys at this point in time. In our attempts to collect these items, you agree that we may allow the payor bank (the bank on which the item is drawn) to hold the item beyond its midnight deadline. The length of delay in the availability of funds varies depending on the type of deposit. 1. International transactions made using your Card will be converted to U.S. currency according to the rules and regulations of the card network. We may change the interest rate and annual percentage yield (APY) at our discretion or in conjunction with rate changes made by the Federal Reserve. If we are required to pay an attachment, garnishment or tax levy, we are not liable to you. ACH transactions will not be processed and accessible until the Service is activated by us. To obtain the current interest rate and annual percentage yield visit our website. Lili reserves the right to modify as we deem necessary including based on your account history. We make the funds available to you according to the deposit type and when the funds were received. If you would like to withdraw your consent, you can tell us at any time by emailing [emailprotected]. 6.3.4. Please do not send cash deposits through the mail. If you have arranged to have direct deposits made to your Account at least once every 60 days from the same person or company, the person or company making the deposit will tell you every time they send us the money.
We do not charge you when we communicate with you via text message, but your phone carrier will apply standard text messaging charges and data rates. Federal bank holidays are not included. If we fail to complete an electronic fund transfer on time or in the correct amount when properly instructed by you, we will be liable for damages caused by our failure unless: In any case, we will only be liable for actual proven damages if the failure to make the transaction resulted from an honest error despite our procedures to avoid such errors. We do not accept in-person or mailed deposits. This hold may affect the availability of funds from your checking Account to pay checks or for other electronic fund transfers. Depending on your Lili mobile app settings, you may be required to enter your full password for subsequent logins to the Lili mobile app to view your Account(s), card information, and other Services. You will be denied the use of your Card if: The receipt provided by the ATM or merchant terminal will notify you of the denial. You may not withdraw more than $500.00 cash at an ATM or during a point-of-sale purchase, or purchase more than $3,000.00 worth of goods or services on any calendar day. You failed to give us enough information, proper instructions, or sufficient time to act on the stop payment; or. 7.5. Unless you have entered into a separate agreement with us regarding the use of our fund transfer services, the following special rules apply to any fund transfers you send or receive through us in connection with any [Personal Accounts or] Business Accounts that are not electronic funds transfers subject to the Electronic Funds Transfer Act or Regulation E. While these special rules apply to ACH fund transfers that you receive, you may not send ACH fund transfers through us unless you have entered into a separate agreement with us regarding that Service. Types of Transfers, Frequency and Dollar Limitations. If you permit another person to have access to your Card or Card number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. If you have moved outside of the United States or have frequent international transactions, you may be contacted about the international activity in your Account and for further verification of your address. Furthermore, in no event will we be liable to you or any other person or entity for any consequential, special or incidental damages relating to any unauthorized or erroneously executed fund transfer request. As part of this consent, we, or someone on our behalf, may send you communications generated by automatic telephone dialing systems [and/or deliver prerecorded messages] that includes (i) security confirmation messages; (ii) communications about your Account (such as transfers you requested or received); (iii) communications about use and updates to our Services; and (iv) other information concerning your Account and our Services. If we need more time to investigate your question or complaint, we may take up to 45 calendar days for ATM transactions (other than international transactions) and ACH transactions. You authorize us to attempt collection of previously returned items that you deposited.
Funds from all other check deposits will be available on the fifth business day after the day of your deposit. This Account Agreement (the Agreement) contains the rules that govern, where appropriate, your Account(s) and Card(s). Your funds transfer request will only be completed if you have sufficient funds in the account from which you wish to transfer funds and the accounts are linked for transfer capabilities. If you tell us within 2 business days after you learn of the loss or theft of your Card and/or PIN, you can lose no more than $50 if someone used your Card and/or PIN without your permission.
For errors involving new Accounts within 30 days after the first deposit, point-of-sale transactions or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. Some locations have lower limits and retailer fees may vary ($4.95 max). Information contained in this section is to assist you in understanding our Funds Availability Policy. You will have access to those funds for five (5) business days, and then we may deduct such amounts from your account without further notice. 2 The Annual Percentage Yield (APY) for the Lili Savings Account is variable and may change at any time. We will not be held liable if such action causes outstanding items to be dishonored and returned, or payment orders to be rejected. You could lose all the money in your Account! If you need to be sure when a particular deposit will be available for withdrawal, you can verify the availability of your deposit by viewing the transaction detail on your Lili mobile app. Deposits received after 4:00 PM (CST) will be considered to be received on the next business day. 6.3.2.2. Some services may not be available at international ATM terminals. We will disclose information about your Account or the transactions you make to third parties: 6.3.7. For this purpose, we may not readily disclose those limits to you. We process items in order in which we receive them. We do not accept ACH or direct deposits not in your name. Lili will determine whether you are eligible for the ACH Debit Feature at our sole discretion.
Must have $0.01 in savings to earn interest. There is no minimum balance requirement to open an Account. Special rules may apply to new Accounts. Applicable fees will be deducted from your Account and listed on your Account statement. Consistent with applicable law, you may use your Card with your PIN to perform most routine transactions on the Accounts that are accessible by your Card, such as to: Some of the above transactions may not be available at all ATMs or locations. We reserve the right to require not less than 7 days notice in writing before any withdrawal from a savings Account. If you have any questions about this Agreement, please contact us at [emailprotected]. 1.6. Examples of this service include the direct deposit of Social Security and other government payments, and the direct deposit of your payroll. This Agreement incorporates by reference any disclosures we give you when you open your Account, subsequent disclosures we provide in connection with an Account or Services, periodic statements, user guides, the applicable privacy policies, and any other disclosure or terms we provide to you in connection with an Account or Services, in each case as may be amended from time to time. If funds remain in the Account after you have notified us of your intent to close your Account, we will require you to submit your request to us in writing and we will return any remaining funds to you. You may ask for copies of the documents we used in our investigation. If you use the ACH Funds Transfer Service to transfer funds to or from an account that has multiple owners, you agree that each owner authorizes the others to (a) initiate the transfer of funds between accounts; (b) register any external bank account or credit card; and (c) initiate the transfer of funds between your Account(s) with us and any registered external bank account or credit card. We will advise you accordingly, provide you the necessary form(s) for confirming your dispute in writing, and give you instructions for sending us the signed form. We reserve the right to refuse any withdrawal or transfer request that is attempted by any method not specifically permitted or that exceeds any frequency or monetary limitations. In some cases, depending on the facts, your claim may not be honored and you may incur a loss. If you do not have sufficient funds in your Account, you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or another card. Note that Lili does not charge transaction fees. You will need to provide your personal and card information in order to verify your identity and activate your Card. All ACH transactions must match the name on your Account to be accepted. We reserve the right to limit the number of external accounts that can be linked to your Account for purposes of transferring funds; to limit functionality of the Funds Transfer service by imposing limits, holds, or other measures; and to close your Account if unlawful activity is found or suspected. Funds from electronic payments or transfers you initiate will be applied to the beneficiary Account when we have verified the external account and received payment in collected funds. You agree to maintain a positive balance and will not incur overdrafts. We do not receive written confirmation of your telephone or email request to stop payment within 14 calendar days, and the preauthorized transfer occurs after the 14 calendar days. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to your Account in connection with such entry. You will get a monthly Account statement (unless there are no transfers in a particular month, in which case you will get the statement at least quarterly). ACH transactions will not be processed and accessible until the Service is activated by us. This Agreement applies to both the Basic Account and the Pro Account types. You acknowledge that we will not give you next day notice of receipt of an ACH item. The Account name, Account number, and last four digits of the Card number, if applicable; A description of the suspected error or the transfer about which you are unsure, why you believe there is an error, or why you need more information; The dollar amount of the suspected error; and. For this purpose, we may not readily disclose those limits to you. The savings Account is a variable rate account. 1 Available to Lili Pro account holders only, applicable monthly account fee applies. The funds in your Account are subject to legal process. Some deposit types may not be available for immediate use. In order to transfer funds from an account that you own or have control of at another financial institution to your Account with us using the Automated Clearing House (ACH) Funds Transfer Service, we use Plaid to gather your data from external financial institutions you connect via the Lili mobile app. Once you withdraw your consent, we will no longer send you paper copies of any Legal Disclosure. We may cancel or suspend your Account, card, other Services or this Agreement at any time. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. Card Transactions means any payment made for goods or services, cash withdrawals from an ATM or transfer of funds made through the use of the Card or the Card number. By opening a Personal Account with us, you certify to us that you will use the Account primarily for personal, family or household use. You are required to confirm the information provided over phone or email in writing to receive provisional credit. Fees may reduce earnings. We may charge a fee for returned deposited items in accordance with our Schedule of Fees. This authority will cease only after we have received and have been given a reasonable amount of time to act on the appropriate documentation needed to change or remove the Owner from the Account. We may also require the identifying information listed above regarding the owner of the company. No minimum balance required. We do not offer joint accounts or the ability to add authorized users at this time. Only Accounts in good standing will be eligible for overdraft protection. When your Card or other network enhancement feature related to the Card is used at a point-of-sale location to obtain goods or services or obtain cash, the merchant may attempt to obtain preauthorization from us for the transaction. If the Account becomes inactive or dormant, the Account will continue to be subject to any service charges in accordance with our Schedule of Fees. The transaction would exceed security limitations on the use of your Card. To the extent you access your Account or the Services through a mobile device, your wireless service carriers charges, data rates, and other fees may apply. Your opening and use of an Account or Card is subject to the privacy policy of Choice Financial which is available here and Lili which is available here. There arent sufficient funds in your Account to complete the transaction through no fault of ours. Lili Rewards are powered by Visa SavingsEdge offered by Visa U.S.A. Inc. By accepting this Agreement you also accept the Visa SavingsEdge Terms and Conditions. This should include a signature(s) from the named payee(s). If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card and/or PIN, and we can prove we could have stopped someone from using your Card and/or PIN without your permission if you had told us, you could lose as much as $500. We do not support Trust accounts or Powers of Attorneys at this point in time. In our attempts to collect these items, you agree that we may allow the payor bank (the bank on which the item is drawn) to hold the item beyond its midnight deadline. The length of delay in the availability of funds varies depending on the type of deposit. 1. International transactions made using your Card will be converted to U.S. currency according to the rules and regulations of the card network. We may change the interest rate and annual percentage yield (APY) at our discretion or in conjunction with rate changes made by the Federal Reserve. If we are required to pay an attachment, garnishment or tax levy, we are not liable to you. ACH transactions will not be processed and accessible until the Service is activated by us. To obtain the current interest rate and annual percentage yield visit our website. Lili reserves the right to modify as we deem necessary including based on your account history. We make the funds available to you according to the deposit type and when the funds were received. If you would like to withdraw your consent, you can tell us at any time by emailing [emailprotected]. 6.3.4. Please do not send cash deposits through the mail. If you have arranged to have direct deposits made to your Account at least once every 60 days from the same person or company, the person or company making the deposit will tell you every time they send us the money.
We do not charge you when we communicate with you via text message, but your phone carrier will apply standard text messaging charges and data rates. Federal bank holidays are not included. If we fail to complete an electronic fund transfer on time or in the correct amount when properly instructed by you, we will be liable for damages caused by our failure unless: In any case, we will only be liable for actual proven damages if the failure to make the transaction resulted from an honest error despite our procedures to avoid such errors. We do not accept in-person or mailed deposits. This hold may affect the availability of funds from your checking Account to pay checks or for other electronic fund transfers. Depending on your Lili mobile app settings, you may be required to enter your full password for subsequent logins to the Lili mobile app to view your Account(s), card information, and other Services. You will be denied the use of your Card if: The receipt provided by the ATM or merchant terminal will notify you of the denial. You may not withdraw more than $500.00 cash at an ATM or during a point-of-sale purchase, or purchase more than $3,000.00 worth of goods or services on any calendar day. You failed to give us enough information, proper instructions, or sufficient time to act on the stop payment; or. 7.5. Unless you have entered into a separate agreement with us regarding the use of our fund transfer services, the following special rules apply to any fund transfers you send or receive through us in connection with any [Personal Accounts or] Business Accounts that are not electronic funds transfers subject to the Electronic Funds Transfer Act or Regulation E. While these special rules apply to ACH fund transfers that you receive, you may not send ACH fund transfers through us unless you have entered into a separate agreement with us regarding that Service. Types of Transfers, Frequency and Dollar Limitations. If you permit another person to have access to your Card or Card number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. If you have moved outside of the United States or have frequent international transactions, you may be contacted about the international activity in your Account and for further verification of your address. Furthermore, in no event will we be liable to you or any other person or entity for any consequential, special or incidental damages relating to any unauthorized or erroneously executed fund transfer request. As part of this consent, we, or someone on our behalf, may send you communications generated by automatic telephone dialing systems [and/or deliver prerecorded messages] that includes (i) security confirmation messages; (ii) communications about your Account (such as transfers you requested or received); (iii) communications about use and updates to our Services; and (iv) other information concerning your Account and our Services. If we need more time to investigate your question or complaint, we may take up to 45 calendar days for ATM transactions (other than international transactions) and ACH transactions. You authorize us to attempt collection of previously returned items that you deposited.
Funds from all other check deposits will be available on the fifth business day after the day of your deposit. This Account Agreement (the Agreement) contains the rules that govern, where appropriate, your Account(s) and Card(s). Your funds transfer request will only be completed if you have sufficient funds in the account from which you wish to transfer funds and the accounts are linked for transfer capabilities. If you tell us within 2 business days after you learn of the loss or theft of your Card and/or PIN, you can lose no more than $50 if someone used your Card and/or PIN without your permission.