Suntrust Bank Rules and Regulations For Deposit Accounts
For example, we may process cashed checks, ATM withdrawals, Check Card … At the time the merchant obtains the authorization for the Card transaction, …
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Suntrust Bank Rules and Regulations For Deposit Accounts
General Terms and Definitions … 2
Personal Accounts … 2
Business/Corporate Accounts … 4
General Rules for All Deposit Accounts … 4
IRS Requirements … 4
New Account Opening Identification Requirements … 5
OFAC Compliance … 5
Unlawful Transactions … 5
Credit and Confidential Information … 5
Privacy Policy … 5
Sharing Information … 5
Telephone Monitoring and Recording … 6
Signature Authorities … 6
Multiple Signatures … 6
Power of Attorney … 6
Facsimile Signatures … 7
Bookkeepers … 7
Deposits and Withdrawals … 7
Night Deposit and Rapid Receipt Deposit Services … 7
Items with Multiple Endorsements … 8
Collection of Items … 8
Foreign Checks or Items … 9
Checks and Other Debits … 9
Check Card/ATM Authorized Transaction Holds … 10
Electronic Check Conversion … 10
Substitute Check or Image Replacement Document (IRD) … 10
Insufficient Funds … 11
Stop Payment Orders … 11
Postdated Items … 11
Stale Dated Items … 11
Checks and Deposit Forms … 11
Bankâs Stipulations … 12
Closed Account … 12
Payment Suspension … 12
DISPUTE RESOLUTION … 13
ARBITRATION AGREEMENT. … 13
JURY TRIAL WAIVER. … 14
Right of Offset and Security Interest … 14
Collection Costs … 14
Liability Limitation … 14
Death or Incompetence … 15
Dormant or Abandoned Accounts … 15
Account Discrepancies … 15
Statements … 15
Transfer or Change of Ownership … 16
Account Fees … 16
Special Treatment of Checking Accounts and NOW Accounts … 16
Additional Rules for Interest-Bearing Deposit Accounts … 16
Frequency of Rate Changes … 16
Interest Calculation, Compounding and Crediting … 16
Closed Accounts … 17
Withdrawal Transaction Limitations … 17
Specific Rules for Time Deposits and the
Money Market IRA … 17
Interest … 18
Automatically Renewable Time Deposits … 18
Single Maturity Time Deposits … 18
Early Withdrawal Penalty … 19
Electronic Funds Transfer … 19
In Case of Errors or Questions About Electronic Transfers … 20
Depositorâs Liability … 21
To Report Unauthorized Transactions or Lost
or Stolen Card or Code … 21
Commercial Funds Transfers … 23
Bank Address … 23
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