With an electronic transfer (EFT), also known as bank transfer, it is possible to transfer money directly to your account without having to wait for a check to go to the post office. Most banks no longer require EFTs. You agree to inform us immediately if a person with the right to withdraw money from your account is incompetent or is decided by the appropriate official. We may continue to respect your cheques, articles and instructions until: a) we are aware of your death or assessment of incompetence, and (b) we have had the opportunity to respond to this knowledge. You agree that we may pay or certify cheques up to ten (10) days after your death or incompetence up to ten (10) days after your death or assessment of incompetence, unless it is ordered to stop payment by someone claiming to be involved in the account. You can access your account by computer 24 hours a day with your username and password for: Advances in electronic banking have made it easier to use current accounts. Customers can now pay invoices via electronic transfers, so there is no longer a need to write and send paper cheques. You can also set up regular monthly spending automatic payments, and you can use smartphone apps for deposits or transfers. We only grant interim credit until pickup for all goods except cash, we accept for deposit (including items “drawn on us”). Before the payment of an item becomes final, we will act only as an agent, regardless of the form of approval or non-approval of the item and although we provide you with an interim credit for the item. We may cancel all provisional credits for lost, stolen or returned items.
Unless legal prohibition is made, we also reserve the right to return to your account the amount of property deposited in your account or cashed in for you, which was originally paid by the payment bank and which was then returned to your account due to an allegedly falsified, unauthorized or missing approval, a change request, a coding error or another problem that , in our view, justifies a dissolution of the credit. You allow us to try to collect previously returned items without notice, and by trying to get you back, we can allow the bank to pay to hold an item beyond the midnight deadline. Effective credit for deposits of or payable in foreign currency is used at the exchange rate which is effective on final collection in U.S. dollars. We are not responsible for transactions by mail or outside the repository until we actually register them. If you provide us with a deposit and you will not be present when the deposit is counted, you must provide us with a dislocated list of the deposit (proof of deposit). To process the deposit, we will check and register the deposit and credit the deposit to the account. If there are discrepancies between the amounts on the deposit list and the amount we determine as the actual deposit, we will inform you of the discrepancy. You have the right to credit only for the actual deposit, as we have established, regardless of what is indicated on the dislocated deposit document. We process and record all transactions received after our “daily cutoff” on a business day when we are open or received on a day when we are not open to stores, as if we were initiated the next business day when we are open.