ANB Go Upgrade Guide

Terms and conditions.

Change in Terms and Conditions for all clients, unless indicated otherwise. Your continued use of the account is your acceptance of these terms. All other terms remain in effect.

Withdrawals For purposes of our account relationship with you, we define an Overdraft to be an event where a transaction initiated by you creates or increases a negative balance in your account and we pay the item on your behalf. A Return is an event where a transaction initiated by you creates or increases a negative balance in your account and we return the item to the party that presented it to us. When we return an item, those funds are added back to your account and you are then obligated to the person you wrote the check to. In both situations, our fee for overdrafts or returns may be assessed. The term “Overdraft” has the same meaning as “Insufficient Funds,” “Non-Sufficient Funds” or “Paid NSF” or “Paid Item” which you may see on notices or statements sent to you by us or our vendors. The term “Return” has the same meaning as “Returned NSF” or “Returned Item.” Withdrawals / Overdrafts: Amended the second sentence to now read: However, the fact that we may honor withdrawal requests that overdraw the account balance does not obligate us to do so later. Amended fourth sentence to now read: We can change our practice of paying overdrafts or returning items on your account without notice to you. For clients in Nebraska and Iowa: Amended sixth sentence to now read: You agree that we may charge fees for overdrafts and returns, except for overdrafts caused by ATM withdrawals or one-time debit card transactions if you have not opted-in to that service. For clients in Minnesota—Withdrawals / Overdrafts: Deleted seventh sentence in its entirety which read: For consumer accounts, we will not charge fees for overdrafts caused by ATM withdrawals or one-time debit card transactions if you have not opted-in to that service. Temporary Debit Authorizations has been deleted in its entirety. Stop Payments Online Banking Transactions. If you have arranged to make regular preauthorized payments out of an account enrolled in online banking services, you can stop any of these by contacting us by telephone at 1-800-279-0007. We must receive your request 3 business days or more before the payment is scheduled to be made. If you request a stop payment by telephone, we may also require you to put your request in writing and get it to us within 14 days. If these payments vary in amounts, the payee will notify you as to what those amounts are. In the unlikely event we are unable to stop a payment which you have provided 3 or more days’ notice on, we will determine our liability for your losses. Electronic Fund Transfers (EFT) Initiated by Third Parties You may authorize a third party to initiate electronic fund transfers between your Account and the third party’s account. These transfers to make or receive payment may be single occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network.

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