Us Bank Your Deposit Account Agreement
Call us at the free number in the “Bank Contacts” section at the end of this document as soon as you can, if you think your statement or receipt is fake, or if you need more information about a transfer on the account snippet or on the proof. You can also visit your local branch or write to us at the address listed in the “Bank Contacts” section. We must hear from you no later than 60 days after we provide you with the first statement on which the problem or error occurred. They agree not to use the transfer system to deal with transactions that violate (i) the sanctions imposed by OFAC, (ii) federal legislation transposing and enforcing the law on the application of illegal online gambling or (iii) other federal laws. Illegal, restricted or prohibited transactions that we recognize and identify may be blocked or denied, shippers or beneficiaries of such transactions may be sanctioned and your account (s) may be closed. By taking an account with us, you submit to the personal jurisdiction of the state in which your account is considered to be held. An action or other legal proceedings concerning your account must be brought before a federal court or a court of the state concerned. In the event of a conflict between this agreement and existing federal or national law, this agreement is considered to be amended to the extent necessary to comply with the law. If a provision in this contract is declared invalid, unenforceable or illegal, that part will have no bearing on the validity or applicability of the rest of this Agreement.
We can give you (the taker) a cashier`s cheque to be paid to a third party (the beneficiary) on your instructions, in exchange for cash or a cheque for guaranteed funds collected from your account. We reserve the right to charge a fee for all cash cheques we issue. They are responsible for the arrival of the trial at the intended destination. Once a cheque has been issued, you cannot cancel it or stop payment. If the test is lost, stolen, destroyed or missing, we can replace the exam under the following procedures, if state law allows. Our time deposit accounts include certificates of deposit (CD), variable rate and fixed pet rate IRAs and KEOGH accounts. Most have a fixed interest rate that we pay until the due date, unless the bank finds that it is wise for regulatory or other reasons and in the best interest of the bank to close the account before maturity, in which case we pay the fixed interest rate until the account closes. If your account has a variable interest rate, we may change your interest rate and annual rate of return at our discretion and without notice at any time.
Please contact your product and fee disclosure to determine if your time deposit account has a fixed or variable interest rate. The “available balance” is the amount you have in your account at any given time, available for immediate payments or to cover other expenses. The available balance represents the difference between the current balance and all activities that have not yet been registered in the account (for example. B current deposits, cheques, transfers and withdrawals).