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e) Cutoff Time. BNY Mellon and the Bank must receive a stop payment order in time to give them a
reasonable opportunity to act on it and before their stop payment cutoff time. The law provides additional
limitations on BNY Mellon’s and the Bank’s obligation. (For example, you cannot stop payment on an item
that has already been paid.)
f) Charges. Stop payment orders are subject to our current charge for that service.
5.9 Inconsistent Amounts. Checks are processed by computers. The Check amount in numerals is the one
read by the computer. You agree that if the Check amount in words is different, we may charge against
your Account the amount in numbers.
5.10 Consumer Electronic Check Re-presentment.
a) General. If you write a Check on a personal account that is returned unpaid because of insufficient
or uncollected funds, the depositor of the Check or the depositor’s bank may resend (“re-present”)
it electronically. That is, the depositor or the depositor’s bank may send the Bank an electronic
instruction (“electronic re-presented Check”) to charge your Account in the amount of the Check.
b) Handling. If BNY Mellon receives an electronic re-presented Check from the depositor or the
depositor’s bank, via the Bank, BNY Mellon will pay or return the Check as if the original version were
being re-presented to it. The part of this Agreement titled “Electronic Funds Transfers” will not apply.
c) Eligibility. For an electronic re-presented Check to be charged to your Account, all of the following must
be true:
It must relate to a paper Check on a personal account that the Bank returned unpaid because of
insufficient or uncollected funds;
The paper Check must not have contained an unauthorized signature or an alteration and must not
have been a counterfeit;
You must not have placed a stop payment on the paper Check after the Bank returned it unpaid but
before it was collected electronically;
The paper Check must have been less than $2,500 in amount;
The paper Check must have been dated 180 days or less before the date on which the electronic
re-presented Check is sent to the Bank;
The electronic re-presented Check must be for the face amount of the paper Check only and may not
include any collection fee charged by the depositor, the depositor’s bank, or a collection agency;
The payee of the paper Check must have given you notice that, if the Check was returned unpaid
because of insufficient or uncollected funds, it could be collected electronically;
The electronic re-presented Check must have been sent to the Bank no more than twice after the
first time the Bank returned the paper Check or no more than once after the second time;
The electronic re-presented Check must be an “item” as defined in Revised Article 4 of the UCC
(1990 Official Text);
It must contain a preprinted serial number;
It must indicate on the face of the document that the item was returned due to “not sufficient funds,”
“NSF,” “uncollected funds,” or comparable language; and
It must be drawn on a consumer account.
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