STANDARDLIMITS. We impose restrictions on transactions on your account for electronic transfer services. These transaction restrictions generally apply on a “card” or “per account” and “civil day” basis. Transaction restrictions that may change will be published in our product and fee disclosure. From time to time, the law requires us to provide information on court or administrative orders, subpoenas, subpoenas, tax levies or other such court proceedings. You pay our standard fees for the search and copying of documents and for all other costs that we incur for compliance with such a legal procedure, including, but not only on legal fees. Our fees are determined from our disclosure of products and royalties that are effective when providing services, and we can charge these fees and expenses to your account. We will determine if your account contains enough credits to pay for an item at any time between the date of the transaction or if we receive the item and our return time. Only one determination of your balance is required. If this provision shows that there is not enough funds to pay for the item, we are not obliged to consider the NSF section and we may charge the associated service charges. The amount of a deposit we consider to determine whether, on the day of deposit, you have sufficient resources to cover withdrawals or payment positions is limited to the portion of the deposit for which we are available on the same day. If you have several elements of NSF on any given day, we can honor one or more of them and make the others as we deem appropriate.
If you are talking to us personally or over the phone about a suspected error, we may request that you follow your oral communications or questions in writing. We must receive this letter within 10 business days of your oral communication. We will determine if an error occurred within 10 business days of the error on your part and we will immediately correct any errors. However, if we need more time, we can take up to 45 days to review your complaint or questions. If we decide to do so, we will credit your account within 10 business days for the amount you think is a mistake, so you can use the money for the time it takes to complete our investigation. If we ask you to submit your complaint or question in writing and we do not receive it within 10 business days, we cannot credit your account on an interim basis. Although social security, additional security income, veterans` benefits and other types of public services are protected by law from court proceedings and the claims of your creditors, it is your responsibility (not us) to increase the protected status of deposit funds as a defence. We are not required to challenge on your behalf the execution, issuance, seizure, seizure or any other legal or just procedure that is invoked against you or your account, and we may take such steps to comply with such a procedure as we deem appropriate in the circumstances, regardless of the protection of deposit funds and without any liability to you.