deposit agreement template

deposit agreement template is a deposit agreement sample that gives infomration on deposit agreement design and format. when designing deposit agreement example, it is important to consider deposit agreement template style, design, color and theme. to allow for equitable access to all users, sec reserves the right to limit requests originating from undeclared automated tools. you can also sign up for email updates on the sec open data program, including best practices that make it more efficient to download data, and sec.gov enhancements that may impact scripted downloading processes. for more information, please see the sec’s web site privacy and security policy. thank you for your interest in the u.s. securities and exchange commission.




deposit agreement overview

for security purposes, and to ensure that the public service remains available to users, this government computer system employs programs to monitor network traffic to identify unauthorized attempts to upload or change information or to otherwise cause damage, including attempts to deny service to users. to ensure our website performs well for all users, the sec monitors the frequency of requests for sec.gov content to ensure automated searches do not impact the ability of others to access sec.gov content. current guidelines limit users to a total of no more than 10 requests per second, regardless of the number of machines used to submit requests. if a user or application submits more than 10 requests per second, further requests from the ip address(es) may be limited for a brief period. note that this policy may change as the sec manages sec.gov to ensure that the website performs efficiently and remains available to all users.

you authorize your wireless carrier to use or disclose information about your wireless account and your wireless device, if available, to us or our service provider for the duration of our relationship, solely to help us identify you or your wireless device and to prevent fraud. even if you have been a customer of ours for many years, 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. for all other account types including corporate and commercial accounts, we may not adjust for deposit errors of $50.00 or less unless we have agreed with you to a lower adjustment amount. we list the charges that you may incur on your account in separate pricing information disclosures or agreements for your account. foreign currency notes that are determined to be counterfeit, outdated, or out of circulation will be rejected for conversion and returned to u.s. bank as unacceptable, and u.s. bank may reverse any provisional credit made to your account when you deposited such items. endorsement: if you make a deposit to an account and you fail to endorse the item, we may add an endorsement on any item and you will be responsible for the item as if you endorsed it yourself. you are also entitled to interest on the amount of your refund if your account is an interest-bearing account. if you want to be sure we do not cash it before its date, you must stop its payment by following our rules for stop payments in the stop payments section of this agreement and follow our procedures for revoking a stop payment request. examples of withdrawals that could be returned may include any checks, ach transactions, online or mobile bill payments, or any other debit from your account where we return it because it is for more than the available balance you have in your account at the time the transaction is presented to your account. there are some circumstances that can take your account into a negative balance where we will not charge a fee, for example: your responsibilities for overdrafts: if you have an overdraft on your account (excluding consumer checking accounts), you must deposit enough money into your account to pay both the overdraft amount and the fees we charge. if you choose to say ‘yes’, you allow u.s. bank to authorize and pay atm and everyday debit card transactions (purchases made with your debit card on a day- to-day basis) that may cause the available balance in your account to become negative. if you have linked eligible accounts, and the negative available balance in your checking account is or would be overdrawn by $5.01 or more, the advance amount will transfer in multiples of $50.00. in addition, you may be subject to interest that will accrue on the amounts advanced in accordance with your line of credit or cardmember agreement. in addition, you may be subject to interest that will accrue on the amounts advanced in accordance with your line of credit or cardmember agreement. unless we have entered into a specific written agreement with you that provides otherwise, payment orders you give to us for the transfer of funds out of the account by wire transfer or otherwise, and payment orders we receive for the transfer of funds into the account, will be governed by this section, subject to rights under the electronic fund transfers act. if we receive a funds transfer into any account you have with us, we are not required to give you any notice of the receipt of the funds transfer. if you create a type of account, you retain the right to change or close the account to the extent of the withdrawal rights you retain in your own name. the holder of such an account is presumed to be the owner. until we receive notice of the death of any joint tenant, any tenant in common will have complete withdrawal rights to the entire account balance. on the death of one of the marriage partners, the account will have to be retitled and beneficiary shares will have to be redeposited or withdrawn. the creator of this type of account is presumed to own the funds during his or her lifetime and intends that ownership to pass to the beneficiary only upon his or her death and only if the named beneficiary survives him or her. if you are the custodian or successor custodian of an account under a state’s utma/ugma, you agree to comply with all applicable laws, including those related to use of the funds. we may need the following information: when you stop payment of a check, you may still be obligated to the payee, and the payee may still have the right to collect on the check or the underlying transaction. to stop a payment you must pay our fee, the amount of which is disclosed in the pricing information disclosure or agreement for your account. you agree to cooperate fully with us and the fdic in connection with determining the insured status of funds in such accounts at any time. for an electronic re-presented check to be charged to your account, all of the following must be true: you may have the right to reverse any ineligible or unauthorized electronic re-presented check that we charged to your account. such arrangements are strictly between you and the other person(s) you authorize, whether we have notice of your arrangement (including in a form we provide you) or not. if a u.s. bank reserve line of credit is linked as overdraft protection to a checking account that is closed for any reason, the reserve line will also be closed, and you must repay any remaining balance according to the monthly payment coupon included in your future periodic statements.

deposit agreement format

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deposit agreement guide

we will periodically make available to you a paper or estatement of your checking or savings account. any provisional credit to your account may be reversed if you fail to fully cooperate in our investigation or, if as a result of our investigation, we determine that the charge to your account was proper. if this is a business account, you agree that you will have at least two people review your statements, notices, and returned checks, or in the alternative, the person who reviews these will be someone who does not have authority to transact business on the account. all the features of your time deposit will be disclosed to you when you open the account. if we are not able to determine whether the funds in your account are subject to the legal process, you agree that we may deposit the funds with any court which we deem to have jurisdiction over us or your account and ask that court to determine to whom the funds belong. we will not be liable to you if an attachment, a hold, or the payment of our fee from your account leaves insufficient funds to cover outstanding items. if your account is a joint account, you agree we may consider each joint owner to have an undivided interest in the entire account, so we may exercise our contractual right of setoff against the entire account. if you provide your account number in response to a telephone solicitation for the purpose of making a transfer (to purchase a service or merchandise, for example), payment can be made from your account even though you did not contact us directly and order the payment. you or we may seek to have the award vacated or confirmed and entered as a judgment in any court having jurisdiction. to the extent a claim is not submitted to arbitration for any reason, you and we agree that any claim filed in court will be brought on an individual basis only. if you make a deposit in person at a branch on a business day we are open, we will consider that day to be the day of your deposit for purposes of calculating when your funds will become available. in addition, funds you deposit by check may be delayed for a longer period under the following circumstances: we will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. funds from electronic direct deposits and deposits of cash and wire transfers to your account will be available on the day we receive the deposit. if we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. if you do not give us a sample, this section still applies to your use of the device. you understand and agree that any other endorsement placed on your checks that identify another bank as the depository bank or the bank to which checks should be returned may result in illegible or double endorsements, which may delay the return of your checks. you may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. any card or pin (personal identification number) can be used to access up to five checking, savings, line of credit and credit card account(s) held in the same name at u.s. bank or any of its bank affiliates; and any account you open with us and our affiliates may be accessed by your card or pin. if we permit a deposit at an atm that is not identified as ours with the u.s. bank name, your deposit will not be available until the fifth business day after the day of deposit. due to prior authorization (promise to pay), if the debit card transaction is presented for payment at a later date we will pay the item regardless of your available balance if any debit card transaction results in a negative available balance at the time it is presented for payment—even if your available balance was positive at the time the debit card transaction was authorized—you may be charged an overdraft paid fee. we recommend keeping a record of your balance and deducting every transaction at the time you initiate it. in any case, you will get the statement at least quarterly for an account to or from which you have arranged for electronic access. if we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. if we decide to do this, we will credit your account within ten business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. if we permit a deposit at an atm that is not identified as ours with the u.s. bank name, your deposit will not be available until the fifth business day after the day of deposit. for security reasons, there are limitations on the transactions that you may perform with any of your u.s. bank business debit cards or u.s. bank business atm  cards, per day. you may use any of your business debit cards (except as noted below in employee debit cards and atm cards) to make the following transactions at atms: you may use any of your business debit cards (except as noted below in employee debit cards and atm cards) to make purchases at visa® merchants that accept debit cards or make money transfers using your card (through a third party). if the transaction requires a currency conversion, the exchange rate in effect when processed may differ from the rate in effect on the date of the transaction or the date of the posting to your account. please be aware that consumer rights governed by the electronic fund transfer act do not apply to business accounts and we are not liable to reimburse you for unauthorized or erroneous transactions that may occur on your business account via electronic fund transfer.

to allow for equitable access to all users, sec reserves the right to limit requests originating from undeclared automated tools. you can also sign up for email updates on the sec open data program, including best practices that make it more efficient to download data, and sec.gov enhancements that may impact scripted downloading processes. for more information, please see the sec’s web site privacy and security policy. thank you for your interest in the u.s. securities and exchange commission.

for security purposes, and to ensure that the public service remains available to users, this government computer system employs programs to monitor network traffic to identify unauthorized attempts to upload or change information or to otherwise cause damage, including attempts to deny service to users. to ensure our website performs well for all users, the sec monitors the frequency of requests for sec.gov content to ensure automated searches do not impact the ability of others to access sec.gov content. current guidelines limit users to a total of no more than 10 requests per second, regardless of the number of machines used to submit requests. if a user or application submits more than 10 requests per second, further requests from the ip address(es) may be limited for a brief period. note that this policy may change as the sec manages sec.gov to ensure that the website performs efficiently and remains available to all users.