3/6/2023 0 Comments Accountee on draft![]() ![]() I further understand that I am responsible for all transactions made through internet homebanking/bill-pay and if I disclose my PIN/Password to anyone, I am aware they have access to all of my accounts and that I am responsible for his/her transactions. By the signing of this application, I acknowledge that I understand the use of my PIN/Password has the same legal effect as my written signature. If you forget your PIN, contact the Credit Union and we will issue you a new one. Your accounts can be accessed by the use of the card with the PIN. After memorizing it, you should destroy it. DO NOT write it on your card or keep in your wallet/purse. Upon issue of a Personal Identification Number (PIN), this number should be memorized. Any or all of said Joint Owners may pledge all or any part of the shares in this account as collateral security to a loan or loans from the Credit Union. Joint Owner Agreement: Fraternal Order of Police Federal Credit Union is hereby authorized to recognize any of the signatures subscribed hereof in the payment of funds or the transaction of any business for this account. In compliance with the USA Patriot Act, I understand Fraternal Order of Police Federal Credit Union is required to obtain and verify identification provided for all new account owners and joint owners, using methods permitted by law. ![]() This signature applies to all accounts under my/our name(s) at Fraternal Order of Police Federal Credit Union. I/We hereby authorize Fraternal Order of Police Federal Credit Union to verify credit and employment history by any necessary means, including access of a consumer credit report from any consumer reporting agency for any information it deems necessary for approval of this application as well as any credit products requested now or in the future. If an access card or Electronic Funds Transfer (EFT) service is required and provided, I/we agree to the terms of and acknowledge receipt of the Electronic Funds Transfer Agreement. ![]() I/We acknowledge receipt of a copy of the Agreement and Disclosures applicable to the accounts and services requested herein. Nothing in this section shall be applicable to any criminal case or affect eligibility or terms of probation.By signing below, I/we agree to Fraternal Order of Police Federal Credit Union's by-laws and the terms and conditions of the Membership and Account Agreement, Truth-In-Savings Disclosure, Funds Availability Policy Disclosure, if applicable, and to any amendment, the Credit Union makes from time to time which is incorporated herein. Such notice in writing shall be given by certified mail, return receipt requested, to the person at his address as it appears on such check or draft.į. "Notice", as used in this section, means notice given to the person entitled thereto, either in person, or in writing. Where a check, draft or order is protested, on the ground of insufficiency of funds or credit, the notice of formal protest thereof shall be admissible as proof of presentation, nonpayment and protest and shall be prima facie evidence of the insufficiency of funds or credit with the bank or depositary, or person, or firm or corporation.Į. Proof that, at the time of presentment, the maker, issuer or drawer did not have sufficient funds with the bank or depositary, and that he failed within twelve days after receiving notice of nonpayment or dishonor to pay the check or draft is prima facie evidence of intent to defraud.ĭ. The word "credit" as used in this section shall be construed to be an express agreement with the bank or depositary for payment of the check or draft.Ĭ. ![]() A person who, for himself or for another, with intent to defraud, makes, draws, utters or delivers to another person or persons a check or draft on a bank or depositary for payment of money, knowing at the time of such making, drawing, uttering or delivery, that he or his principal does not have an account or does not have sufficient funds in, or credit with, such bank or depositary to meet the check or draft in full upon presentation, shall be liable to the holder of such check or draft for twice the amount of such check or draft or fifty dollars, whichever is greater, together with costs and reasonable attorney's fees as allowed by the court on the basis of time and effort expended by such attorney on behalf of plaintiff.ī. Drawing check or draft on no account or insufficient account with intent to defraud civil action definition of credit prima facie evidenceĪ. 12-671 - Drawing check or draft on no account or insufficient account with intent to defraud civil action definition of credit prima facie evidenceġ2-671. ![]()
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