Member Services Agreement - NASA Federal Credit Union

For each “remotely created check” deposited into an account, youwarrant that the person on whose account the check is drawnauthorized the issuance of the check in the amount stated on thecheck and to the payee stated on the check. A remotely created checkis any check that does not bear a signature applied, or purportedto be applied, by the person on whose account the check is drawn.With respect to each deposit, you make to us all representations andwarranties that we make or are deemed to make to any party pursuantto law, regulation, or clearinghouse rule.2. Cash Transactions. In order to accommodate your cash needs, youmay be required to provide 72-hour prior notice to your branch of anyanticipated large cash withdrawal. If you do not provide notice, yourrequest may not be fulfilled.3. Orders. We are not obligated to pay any order presented against youraccount if the balance in the account is insufficient or uncollected.Also, we may refuse to honor any order if: there is a dispute about youraccount; the account is garnished, attached, pledged, or subject to aright of offset; we cannot verify the availability of funds in the account;any document we require has not been given to us; or as otherwisespecified in this Agreement or in our Funds Availability Disclosure. Inour sole discretion, we may pay an order even if the balance in theaccount is insufficient or uncollected. If we do, you agree that wemay charge the amount of the overdraft against any account fromwhich any owner on the account is entitled to withdraw funds or,alternatively and in our discretion, treat the amount of the overdraft asa request for an advance from a loan account of any owner and pay theoverdraft by borrowing from the loan account. In all cases where anorder is presented against insufficient or uncollected funds, whetheror not we pay it, you must pay a fee. From time to time, we may offer aprogram that will cover overdrafts. If we do, we will inform you aboutthe program. We are not obligated to pay an order dated 6 monthsor more prior to the time it is presented for payment, but we may doso in our sole discretion. If an order is presented for payment beforethe date written on the order, we may, in our sole discretion, returnit unpaid or pay it (unless you have provided us with a timely noticeof postdating in the form required by us) without our being liable forany damages you may incur. Any orders paid will be charged againstyour account or be handled as otherwise provided in this Agreement.We may process withdrawals and pay orders in any sequence wedetermine, even if honoring a withdrawal or paying an order resultsin a balance in your account insufficient to pay other orders that couldhave been paid. If we reasonably believe that any order representsunusual activity on your account, you authorize us to reject the order11