Personal or Business
Any of you, acting alone, who signs in the space designated for signatures on the signature card may withdraw or transfer all or any part of the account balance at any time by any means we make available to you. If you make a withdrawal in person we may require you to present identification acceptable to us and to use a form we have approved. We maintain the option either to pay or to dishonor any stale-dated check (a check that is more than 6 months old) upon presentation to us.
We may charge your account for a check even though payment is made before the date of the check.
We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we may treat continued abuse of the stated limitations (if any) as your act of closing the account. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations.
The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. See the Funds Availability Disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal.
We reserve the right to require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing money market account other than a time deposit, or from any other savings account (as that term is defined by Regulation D of the Board of Governors of the Federal Reserve System). Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See the Truth in Savings Disclosure in this booklet.
NMLS # 466007
NSB Routing # 211371298