The fee of $36 Returned Item Fee may be assessed per Item for Items that the Bank returns as unpaid during our End of Day Processing when you do not have enough funds to pay the Item or, if applicable, an Overdraft Honor Limit to cover the Item. If the Bank is presented with the same Item multiple times (for example, by a merchant) and returns the same Item (e.g., check or ACH debit) due to insufficient funds, a $36 Returned Item Fee will be assessed each time the Item is returned. Items may also be returned if we have placed a Hold on a deposit which results in your Account not having enough money to pay the Item during our End of Day Processing.


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