The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). Reward dollars expiring during the year will be cleared from your Program Account on the last day of the month in which they expire. You have a few options: Call First Citizens Bank - Digital Banking at 888-323-4732 and order some in the mail: time needed: days Some limitations may apply. The arbitrator may allow discovery of relevant non-privileged documents. Keep your PIN a secret. "Include," "includes," "including," or "for example" are not to be construed as exclusive or as limiting the scope of the particular provisions in which those terms are used. You may authorize a merchant or other payee to initiate a one-time electronic payment from your checking account using information from your check to pay for purchases or to pay bills. Points earned are available for redemption for a 3 year term. The available balance in your account (and, to the extent needed, the unused balance of any line of credit or savings account linked to your account) will be reduced by the amount for which the merchant has received authorization, even if (i) the transaction has not been settled or posted by us, or (ii) the transaction may not be consummated. In any case, you will get a statement at least quarterly. Commit your PIN (Personal Identification Number) to memory and never share your PIN. You agree to reimburse us for costs and expenses (including attorneys' fees) we incur in any action concerning your account if (i) we are the prevailing party, or (ii) the purpose of the action is to determine the ownership of the account or to resolve disputes regarding the account. This is the only option if you need cash back. Mailed notices, or, if applicable, emailed notices, will be sent to the address we have for you on our account records. If your account is governed by Section 41-2.1, you agree that in addition to the payment alternative specified in Section 41-2.1, we may, at our option, pay the portion of the account which would be payable to the Clerk of Court or the decedent's estate directly to the surviving co-owners or the surviving co-owners and the decedent's estate. You authorize us to pay items on your account which purport to bear a facsimile signature regardless of who placed the facsimile signature on the item or the circumstances surrounding the use of the facsimile signature, even if it was made by an unauthorized person or with a counterfeit facsimile device. We may rely upon any instructions we receive from your agent relating to your account. Login to your First Citizens Community Bank online account, they should show your account number on your statements. We are authorized to collect our various fees and charges (i) by debiting your account (even if the debit results in an overdraft), (ii) by deducting our fee for handling incoming and outgoing wire transfers from the amount transferred, (iii) by demanding payment from you directly, and (iv) by exercising our right of setoff. We must comply with OFAC's regulations, which require us to screen all International ACH Transactions (IATs) against a list of sanctioned countries and entities. To qualify, company must spend $3,000 within the first three months of account opening to receive the bonus. I wasn't really in belief that I had cancer. If legal action such as a levy, attachment, execution, garnishment, etc. I want people to know the gravity of what Teen Cancer America can do. Checking accounts are the most common type of transaction accounts. You agree that you are in the best position to detect any error or discrepancy relating to activity on your account, including, for example, an item that reflects an incorrect or incomplete deposit and/or an item that contains an unauthorized signature, lacks a required signature, contains a forged endorsement, lacks a required endorsement, constitutes an unauthorized withdrawal, is altered, or is otherwise irregular (collectively, an "irregular item"). We are under no duty to contest on your behalf any execution, levy, attachment, garnishment, seizure or other legal or equitable process asserted against you or your account and may take such action to comply with any such process as we determine to be appropriate in the circumstances, without regard to whether the funds on deposit are protected and without liability to you. A "restrictive endorsement" tells the bank exactly which account the money should deposit into. This means if you receive or reply to a Free Security Alert text message, you will not be charged a messaging or data fee from your carrier. At our option and without notice to you that the item has been returned, we may resubmit any returned item for payment. What is Talk2Me? We may also ask to see copies of the identifying documentation for each individual such as a passport in the case of foreign individuals. Regardless of whether your checking account is interest-bearing or noninterest-bearing, your monthly statement will show your account as a single, integrated account. The amount of an electronic check conversion will be described on your account statement by the amount and serial number of your check and shown as a debit to your account, but because the merchant kept the check or returned it to you, you will not receive the check (or any image of it) with your statement. Check deposits typically post on the same day you deposit, but your bank might only make the first $200 of your check available within one or two business days. Each point is worth $0.01, which means that 100 points equals $1 in redemption value. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. You are not permitted to stop payment on any sales draft or withdrawal voucher originated by use of the card. We may exercise our right of setoff even if the withdrawal results in an early withdrawal penalty or the dishonor of subsequent checks. If the adult (or if more than one adult on the account, the last of the adults to survive) dies before the minor reaches age 18, we may in our discretion (i) permit the naming of another adult on the account, (ii) transfer the funds to a duly appointed representative of the minor, (iii) transfer the funds to a UTMA account (or MTML account in Missouri) for the minor, (iv) pay the funds to the clerk of court to be held for the minor, or (v) otherwise transfer the funds as provided by applicable law. Regulation E: If the account to which your card is linked is a consumer account, your liability for unauthorized transactions is governed primarily by the federal Electronic Fund Transfer Act and the Consumer Financial Protection Bureau's Regulation E. A summary of your rights, obligations and liabilities under Regulation E are included as part of this section D following this Agreement and Disclosure. Copies of our Privacy Notice are available at any of our branches, on our website, or by calling us (see "Bank Contacts" section at the end of this document). You can enter check information on the next screen. This is the name of the company or organization, as it appears on the account. All transactions between you and the Bank relating to your account will be governed by the terms of this Agreement, the current Disclosure of Products and Fees, the account signature card, the account type, any other documents or records relating to your account, our rules and regulations and applicable state and federal laws and regulations, as they all may now exist or may hereafter be amended. All checks, withdrawals, debits and other charges against your account will be presented against the funds in your checking subaccount. Certain government benefits (for example, social security, supplemental security income, veterans' and other types of government benefits) are protected by law from legal process and your creditors' claims. Accounts established as Uniform Transfers to Minors Act (UTMA), Uniform Gifts to Minors Act (UGMA), or Missouri Transfers to Minors Law (MTML) accounts shall be governed by applicable state law. For example, we may call or send text messages to you at your cell phone number when there is an insufficient balance in your account to honor checks you have written, with alerts concerning your account, and/or regarding amounts you owe us (collection calls) on your accounts. Who'd think that there would be another person my age? You redeposit a check that has been returned unpaid. Have the convenience of writing cheques and earn interest by opening a First Citizens Chequing Plus account. Notwithstanding any provision of law to the contrary, you agree that we will not be liable for an irregular item if: (i) you did not exercise reasonable promptness or care in examining the statement or notice, or (ii) you do not report the irregular item to us within thirty (30) calendar days following the date the earliest statement or notice describing the irregular item or the irregular item itself was mailed or otherwise made available to you, or (iii) the irregular item was forged or altered such that an unauthorized signature, an unauthorized endorsement, an alteration, or any other such irregularity could not be detected by a reasonable person. Debit transactions resulting from credit reversals made by the Bank. If the check was paid or deposited by another bank, we will attempt to return the check to the bank that honored the check. Factors that affect fund availability include the nature of the deposit (cash, electronic funds, paper checks), the amount of funds deposited, the customer's history and relationship to the bank, and the source of the deposit (bank-owned or independent ATM). Your account is governed by the laws and regulations of the United States of America, to the extent applicable, and the state and municipality where your account is maintained. Over the years we have acquired deposit accounts from other financial institutions, including those of various savings and loans and savings banks. Once funds are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. ATM transactions normally require the use of your PIN. Especially in terms of customer service. However, the first $225 of your deposits may be available on the first business day after the day of your deposit. Copies of our Privacy Notice are available at any of our branches; by calling us at FC DIRECT (see "Bank Contacts" section); or on our website at firstcitizens.com. Automated Clearing House (ACH) credit transfers (e.g., direct deposits, automated payroll deposits, etc. Double check this to make sure you enter this correctly, if you enter the wrong account number your money may end up in someone else's account. If we have agreed to accept deposits electronically from you, such deposits will be subject to the provisions of this Agreement except as specifically provided otherwise in your separate electronic deposit agreement. However, if you fail to meet any such requirements, you agree that, in the absence of any clear and convincing evidence on our records of a different intention at the time the account was created: (i) any account on which you are named on our records as co-owner with one or more other co-owners shall be a joint account with right of survivorship; (ii) the account shall have all the incidents described herein for joint accounts with right of survivorship; (iii) upon the death of a co-owner, the remaining funds in the account shall belong to, and may be paid directly to, the surviving co-owner(s); and (iv) our payment of such amounts to the surviving co-owner(s) shall be a complete and total discharge of our liability with respect to the funds in the account. The amount of this fee, if we choose to impose it, will be subject to change based upon the cost of our FDIC insurance. IMPORTANT: MAKE SURE THIS IS THE CORRECT ROUTING NUMBER FOR YOUR ACCOUNT. If we recredit your account after paying a check over a valid and timely stop payment order, you agree to transfer to us all of your rights against the payee or other holder of the check and to assist us in any legal action taken against that person. Open your account with BBD$2,000.00 Free ATM/Debit Card available Noninterest-bearing checking accounts are comprised of two subaccounts: a noninterest-bearing checking subaccount and a noninterest-bearing savings subaccount. There is no monthly point cap and points do not expire as long as you remain in the Accelerated Rewards Tier. When using a non-First Citizens' owned ATM, the owner of that ATM may charge a surcharge unless the machine is within the SUM network. icon: sys-ehl. Each person identified as an authorized signer on the signature card but not identified as an "owner" is an authorized signer/agent only and not an owner of the account. Ignore or reject any attempted pledge, assignment, or official Bank check. '' the of. 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