Effective Date: 08/27/2025

These terms and conditions and related disclosures (“Agreement”) govern the use of your T-Mobile Money Accounts as applicable (checking and/or savings) issued by Coastal Community Bank, member FDIC (“Account”). This Agreement is by and between the account holder, and Coastal Community Bank, member FDIC (the Bank). You understand and agree that the Bank may conduct some or all of its obligations under this Agreement. In this Agreement, the words “we”, “our”, or “us” mean Coastal Community Bank, and the words “you” and “your” mean each account owner, as reflected in our Account records. The Account is also subject to the T-Mobile Money Services User Agreement, and any other information we may provide to you from time to time on the T-Mobile Money website (the “Website”) or the T-Mobile Money experience in the T-Life app (the “App”). To the extent of any inconsistencies between this Agreement and any other terms or conditions provided to you, the terms of this Agreement will govern the Account.

Review this information carefully and print and retain a copy of these terms and conditions for your future reference.

Click on the links below to access important documents.

1. E-Sign Disclosure and Consent
2. USA PATRIOT Act
3. T-Mobile MONEY Web and Mobile Services User Agreement
4. Account Terms and Conditions and Related Disclosures
5. “Got Your Back” terms and conditions
6. Online Bill Payment Terms and Conditions
7. Important Information About Substitute Checks (Check 21 Act)
8. Mobile Check Deposit Terms and Conditions

This E-Sign disclosure governs how we deliver electronic Communications for your Accounts.

By agreeing to the terms of this Agreement, you agree to receive all Communications in electronic format and that we may refrain from sending paper communications to you, at our discretion, unless and until you withdraw your consent as described below.

As used in this E-Sign disclosure, “Communications” include:

• All legal and regulatory disclosures and communications associated with your Account(s), including statements, transaction histories, and other account-related information.
•  Notices or disclosures about a change in the terms of your Account or associated payment feature and responses to claims.
•  Privacy policies and notices.
•  Tax documents.
•  Other account-related information.
•  All other communications and information provided in connection with your Account(s).

All Communications that we provide to you in electronic form will be provided either (1) by email, (2) by access to a website that we will designate to you, or (3) via mobile application.

You may withdraw your consent to receive Communications in electronic form by contacting us at 1-866-686-9358. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications; however, your access and use of the website, mobile application, all accounts, and services related to the Account(s) will be terminated in conjunction with such a request. If you withdraw your consent, we will close your Account(s) and mail you a refund check for the amount of any remaining balance(s) in your Account(s) in accordance with this Agreement. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal. Remember that your consent to receive electronic Communications is valid until you revoke your consent by notifying us of your decision to do so. If you revoke your consent to receive electronic Communications, we may terminate your Account or your right to use the Website or the App to the extent permitted by law.

How to Update Your Records

You agree to provide us with a true, accurate, and complete email address and to maintain and update promptly any changes in this information. You can update your contact information by calling our T-Mobile Money Specialists at 866-686-9358.

In order to access, view, and retain electronic Communications that we make available to you, you must have:

• An Internet browser that supports Transport Layer Security 1.2, 256-bit encryption.
•  Sufficient electronic storage capacity on your computer’s hard drive, mobile device, or other datastorage unit.
•  An active email account with an Internet service provider.
• A personal computer, mobile phone, or other secure device with a connection to the Internet, current browser software, and current computer/mobile phone/device operating system and software that is capable of receiving, accessing, displaying, and either printing or storing Communications received from us in electronic form via a plain text-formatted email, via documents in a pdf format or via access to our website.

We will not send you a paper copy of any Communication, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy by contacting us at 1-866-686-9358. There is no charge for paper copies. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.

All Communications in either electronic or paper format from us to you will be considered “in writing.” You should print or download for your records a copy of this E-Sign disclosure and any other Communication that is important to you.

You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (“E-Sign Act”), and that you and we both intend that the E-Sign Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

USA PATRIOT ACT

All financial institutions are required to obtain, verify and record information that identifies each person who opens an account in accordance with the USA Patriot Act. Providing your personal information helps the government fight the funding of terrorism and money laundering activities.

What this means to you: When you open an account, we will ask for your name, physical address, date of birth, taxpayer identification number and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. We will let you know if additional information is required.

T-Mobile Money is a digital-only account. This means that there are no branches or physical locations in which we can service your account or accept deposits in person. In addition, we do not provide outgoing wire transfer services at this time.

By submitting an Account application or by using the Account, you accept and agree to this Agreement, including the applicable Fee Schedule, as may be amended from time to time in accordance with this Agreement. You grant us the right to collect the fees, as earned, directly from your Account balance. You also agree to pay additional reasonable charges we may impose for other services you request in connection with your Account. In addition, you understand that for security purposes we may need to authenticate you and/or your computer or mobile device before you are able to use all of the functions within the Website or the App, including but not limited to mobile check deposit, bill pay, and other features. Finally, you understand and agree that the Account is for personal, family, or household use only and is not to be used for business purposes.

We may change the terms of this Agreement at any time at our sole discretion and may notify you of such changes by any reasonable means. We will provide advance notice of any change, including a description of the change and the applicable effective date, only if required by Federal or state law. By using the Account after we have provided notice or after the applicable effective date of a change, you agree to such changed terms.

Business Days are Monday–Friday, excluding Federal Reserve holidays.

T-Mobile Money Specialists are standing by 8AM-12AM ET daily.

If we suspect that you may be engaging in or have engaged in fraudulent, illegal or improper activity, including a violation of any terms and conditions relating to the Account, your access to the Account may be suspended or terminated. You understand that transactions in your Account may be suspended or terminated if an access device has been reported lost or stolen or when we reasonably believe that there is unusual activity in your Account.

We use the daily balance method to calculate interest on your Account. This method applies a daily periodic rate to the principal in the Account each day.

Checking Account:

1) From 8/27/25 to 11/30/25: Earn 4.00% APY on all balances. Starting 12/1/25: Earn 4.00% APY on your first $3,000, if you make a payroll-based direct deposit of $200+ per month. Earn 2.50% APY on balances over $3,000. If you don’t meet the direct deposit requirement, you’ll earn 2.50% APY on all balances.

Savings & Shared Savings:

1) Earn 2.50% APY on all balances.

How Interest Works

• Interest starts accruing on the business day we get credit for your deposit.
• Interest is compounded monthly and credited to your Account at the end of your statement cycle.
• If you close your account before interest is credited, you won’t receive unpaid interest.
• The APY on the Account is variable. At our discretion, we can change the APY on the Account at any time.
• Fees and withdrawals can reduce earnings.

Fees imposed by third parties will be passed through to customers. This includes but is not limited to ATM fees charged by any non- Allpoint Network ATM or non-Coastal Community Bank ATM, Mastercard rePower® network fees charged by participating merchants, or foreign transaction fees charged by third parties.

You will not disclose your password to access the Website, the App, or this Account to any person. You will notify us immediately if your password is compromised or los

We may share information in accordance with the below:

• Coastal Community Bank Privacy Notice

• T-Mobile Privacy Policy

By applying for and keeping an Account, you allow the Bank and its partners to access and share your banking history with checking account and credit reporting agencies, including sharing information about negative balances or unpaid fees. This information may appear on your credit report, affect your credit score, and influence your ability to open future accounts. To the extent not prohibited by law, we may also use consumer reporting tools (like Early Warning Services) to confirm you still meet account requirements and for any services you request.

RIGHTS OF CO-OWNERS: Co-owners of Shared Accounts are joint tenants with right of survivorship. Each co-owner has equal powers with respect to the Account. Either owner can transact without the other. This includes but is not limited to the ability to make payments, withdraw or transfer funds, change the email address to which statements /notices are sent, and/or close an account. We may act on instructions from a co-owner without the consent of the other co-owner. No co-owner, however, may remove the name of another. We are not subject to and will not be bound by any agreement made between or among co-owners. Notice to one (1) co-owner at the email address in our records will be considered notice to all co-owners. Each of you guarantees that the signature of the other co-owner is genuine and agrees to provide any endorsement that may be missing on a deposited item.

DEATH OF A CO-OWNER: Funds from a Shared Account can be paid to or on the order of either co-owner of the account, even if that co-owner is not alive at the time the payment is made. On the death of a co-owner, the funds in the Shared Account belong to the surviving co-owner. Except as otherwise provided by applicable law, the estate of the deceased co-owner will have no rights to the Account. The surviving co-owner agrees to immediately close the Account by calling our T-Mobile Money Specialists at 866-686-9358 and agrees that we may close the Account upon notice of the death of a co-owner as it no longer meets the definition of a Shared Account. Any remaining funds may be transferred to the surviving co-owner’s Account. Note: We may require a submission of a death certificate.

LIABILITY OF CO-OWNERS: Your liability as a co-owner of a Shared Account is joint and several, which means we can enforce this agreement against each co-owner. We can also seek repayment of any amounts owed to us by either co-owner without having to seek repayment from both co-owners. If a Shared Account becomes overdrawn, each co-owner is liable to us regardless of which co-owner caused or benefited from the overdraft. If one or more co-owners owe us money that is due, we can use the funds in the Shared Account to pay the debt without notice to the other co-owner. Subject to applicable law, each co-owner is responsible for his or her own tax obligations. For tax reporting purposes, we will issue a 1099 only to the primary owner on the account. The primary owner is the initiator of the invitation. We will comply with attachments, liens, and/or other forms of legal process received and may hold or remit funds belonging to a co-owner from the Shared Account.

We may close your Account at any time for any reason and without notice to you. We will not be liable to you for dishonoring any check, credit, or other payment order presented for payment or deposit after we close your Account. We will mail you a notice that we have closed your Account and tender the Account balance, less any fees or charges, by mail to you at the address we have on record at the time the Account is closed. If there is a balance in your savings, the remaining funds will be disbursed through an automatic/immediate transfer to the open checking Account prior to Account closure.

You may close this Account at any time as long as you do not have a negative balance. If you close your checking Account, your savings will also be closed. Any remaining balance in your checking Account or savings will be mailed to you at the address we have on record at the time the Account is closed. Please note that you will be responsible for any fees, penalties or charges owed to us and you authorize us to deduct any amounts from the remaining balance in your Account. To the extent your Account has 1) a negative balance, or 2) a balance of $0 with no activity, for more than 180 days, your Account may be closed and a check in the amount of any remaining balance in your account will be mailed to you at the address we have on record at the time the Account is closed. If your Account balance was negative at the time of closing, you will continue to be responsible for paying us the amount of your negative balance and we may report this information to outside credit reporting agencies or databases.

You may not assign or transfer any rights or obligations you may have under this Agreement, or with respect to the Account, without our prior written consent. We reserve the right to transfer at any time any right or obligation under this Agreement without your consent unless otherwise stated herein.

Any items accepted for deposit (including items drawn “on us”) will be given credit in accordance with our Funds Availability Disclosure Policy and our Mobile Check Deposit Terms and Conditions, as applicable. All transactions received after our “daily cut-off time” on a business day we are open or received on a day in which we are not open for business will be treated and recorded as if initiated on the next following business day that we are open. Daily cutoff times and business days are listed in the Funds Availability Policy Disclosure section of this document.

You can add cash to your checking Account using the Mastercard rePower® network at participating merchants. A minimum $20 deposit is required, and a cash-only fee (usually $5 or less) will apply, set by the participating merchant. We don’t control or benefit from these fees. The merchant may set deposit limits, and such limits can change based on network or merchant rules.

We do not accept cash deposits through the mail. If cash deposits are received, the cash will be returned to you at the address on file. We are not liable for any deposits, including cash, lost in the mail, lost in transit or not received by us.

We will only accept check for deposit that are drawn on financial institutions located in the United States. We will only accept checks payable to you for deposit. We will not accept any checks payable to a third party for deposit.

We do not accept check deposits through the mail. If check deposits are mailed to us, we may reject the deposit. We are not obliged to return the check to you. We are not liable for any check deposit lost in the mail, lost in transit or not received by us.

Checks must be endorsed exactly as payable, and you warrant that all endorsements are genuine. For mobile deposits, write “For Remote Deposit Only” or “For Mobile Deposit Only” in the designated 1-inch area on the back. Improper endorsements may make you liable for losses. If you don’t endorse a check, we may add your endorsement if it's payable to you.

All deposits are subject to final payment. If a deposit or transfer to your account is returned or otherwise unpaid for any reason, you agree to repay the amount and we may charge back the amount credited to your Account, even if doing so results in an overdraft on your Account. We may charge any of your Accounts or reprocess returned items without notice. For ACH transfers returned due to insufficient funds, you authorize us to retry it up to two more times.

You authorize us to collect on returned items, including allowing the payor bank to hold an item beyond any applicable deadline. If a deposited item is later disputed (e.g., altered or forged endorsement), we may hold the funds until the issue is resolved and we may charge back the amount credited to your Account if we determine the claim is valid, even if doing so results in an overdraft on your Account.

If any amounts deposited in this Account are claimed by the federal government or any state government for any reason, you authorize us to deduct the amount of liability from this Account or from any other Account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of liability.

Payroll direct deposits may be available up to two days early, depending on your employer's deposit timing and details. Early access isn’t guaranteed and doesn’t apply to most government benefits (e.g., unemployment, pensions, or veteran payments). Eligible payroll deposits are generally made available on the business day we receive notice of the upcoming payment. We are not liable if we fail to make any payroll direct deposit available early, regardless of whether such payroll directdeposits were previously made available early.

You can withdraw or transfer funds from your Account at any time via the methods provided in this Agreement. We will not issue checks for your Account, and you may not write checks from your Account. Checks drawn on your account may be issued in connection with the Bill Pay Service or by third parties you authorize. We may honor checks drawn on your Account and we may process checks drawn on your Account even if dated for the future. Withdrawals are made from available funds, and we may reject withdrawal requests or payments if funds are unavailable or if limits are exceeded.

You must keep enough funds in your account to cover all withdrawals and payments. We may choose to pay or return items if you have insufficient funds and are not required to honor post-dated checks.

Except as otherwise provided by law, this Agreement follows Article 4A of the Uniform Commercial Code for Washington State. If a funds transfer identifies a beneficiary, bank, or other party to the funds transfer inconsistently by name and account or other identification number, the identification number alone may be relied upon even if the identification number identifies a party other than the named party.

Credits from funds transfers to your Account are provisional until we receive final payment. If we don’t receive final payment, you must return any credited amount and we may charge back the amount credited to your Account, even if doing so results in an overdraft on your Account. We’re not required to notify you of incoming ACH or wire transfers.

The following transactions will require you to use your 4-digit PIN and must be made in person:

• Cash withdrawals at an ATM
• Rental Vehicle transactions (Effective 10/01/2023)

Rental vehicle transactions require you to select “debit” to ensure you are authorizing the full amount that will be charged to your card.

Some rental car companies may choose not to accept PIN-based transactions, in which case you may be unable to use your Money debit card to reserve or pay for a rental car reservation with those companies. Online/e-commerce transactions do not support entering your PIN. Be sure to read the rental car company’s payment card policy for specifics about your rental. Transactions through T-Mobile TRAVEL will continue to be accepted and will not require you to use your PIN.

Automated fuel dispenser (pay-at-the-pump) transactions at gas station merchants may result in temporary authorization for amounts greater than the actual purchase amount. This difference in authorization hold is due to the actual amount being unknown when the request is submitted. Consistent with Mastercard® guidelines, the amount we may temporarily hold when you use your T-Mobile Money™ Debit Mastercard® at the pump will be $50.00 (even if your purchase is less than $50.00). This may decrease your available balance for a brief amount of time – typically one hour. Note: These holds apply to pay-at-the-pump (self-service) transactions. Holds will not apply to payments made via cashier in-store. To avoid a temporary hold, we recommend pre-paying inside.

We typically process transactions in the order received. In some instances, we may process credits and other deposits first, then process debits. We may change this order at any time without notice. You are responsible for ensuring sufficient funds are in your Account to cover transactions and you should regularly review your Account balance.

If you do not have enough money in your Account to cover a transaction, we may pay the transaction anyway and overdraft your Account. We may decide whether to pay or reject a transaction at our sole discretion regardless of whether we have previously paid or rejected transactions. You must immediately repay any overdraft along with any applicable fees. See the Got Your Back Terms and Conditions below for information on our overdraft services.

You can request a stop payment on ACH transfers or debit card transaction, either verbally or in writing. We may ask you to complete a form and provide enough details to process the request. The stop payment is not confirmed until we notify you.

• ACH transfers: To stop an ACH transfer, provide your account number, the merchant name, amount or range of amounts, and date(s) of the transfer. Orders don’t expire and must be canceled in writing.
  
• Debit Cards: To stop a preauthorized debit card transaction, provide the merchant name, amount, and date. You must notify us at least three business days before the scheduled date of the transaction.  If you call, you must sendyour request in writing to PO Box 3509, Mission, TX 78573 within 14 days after you call. Orders expire in 3 years and must be canceled in writing.

We’re not liable if a payment goes through because you provided incorrect or incomplete information, or if you benefit from the payment. We may pay items after the stop payment expires or is canceled. If your Account is closed, the stop order is canceled.

To change or cancel transfers you initiated through the Bill Pay Service, see the Online Bill Payment Terms and Conditions below.

You can view your monthly statement in the “Resources > Statements” section on the T-Mobile Money website or T-Life app, on or after the 10th calendar day of the following month.

Except with respect to electronic fund transfers, you must review your statement within 60 days and report any errors or unauthorized activity, including unauthorized signatures, forged indorsements, or alterations. If you don’t report issues within 60 days, you may be fully responsible for any losses, including fraud by the same person.

You’re responsible for monitoring your available balance. Merchants can’t see it, so check via the website, app, or by calling (866)-686-9358 (**MONEY from your T-Mobile phone). Statements are available electronically only.

See Electronic Fund Transfers: Your Rights and Responsibilities section below for reporting errors and unauthorized transfers related to electronic fund transfers.

Savings with T-Mobile Money requires you to maintain an open, active T-Mobile Money Checking Account in good standing (for example, the checking Account does not have a negative balance or is not subject to any holds or liens). No minimum balance is required to open the Account, avoid fees, or earn interest. You may transfer funds from savings to your checking Account. No other transfers are permitted and any other transfers or payments may be rejected. We may require 7 days’ notice before withdrawals. If you close your checking Account, your savings will be closed.

Shared Savings is with a co-owner, as agreed under the “Co-Owner Acceptance for Shared Accounts.” Each T-Mobile Money customer can have one individual and one shared savings.

When you open your Account, you must provide a valid tax identification number (TIN) and certify it as correct. We use this TIN to report interest or bonuses to the IRS. If you don’t provide a TIN, give an incorrect one, or fail to certify it, the IRS may require us to withhold a portion of your interest payments (backup withholding). If this happens and you are later exempt, you must contact the IRS for a refund.

We may (without prior notice and when permitted by law) set off the funds in any and all of your Accounts against any due and payable debt you owe us now or in the future. We will not be liable for the dishonor of any check when the dishonor occurs because we set off a debt against any and all of your Accounts. You agree to hold us harmless from any claim arising because of our exercise of our right of setoff.

We are required by law to deliver to the applicable state agency any funds in an Account if you do not have activity or we cannot locate you for a period of time as defined by applicable state law. We will provide applicable notices to you, as required by law. You agree that we are not responsible for any funds delivered to the state in compliance with the applicable state laws.

If your Account is subject to legal action like a tax levy or garnishment, we may freeze funds and stop or reject payments until it’s resolved. We aren’t liable for paying out under such orders and will deduct any fees or debts first. You're responsible for any related costs, including legal fees, which may be charged to your Account. We may continue processing transactions until official court documents are received and you agree to cover any losses if we do so.

You agree to pay all fees and charges applicable to your Account. Please refer to the Fee Schedule for the charges associated with your Account for certain transactions and/or requests.

You may access your account with bilingual agent assistance 8AM-12AM ET, 365 days a year at (866)-686-9358 (inside the US) or (414)-751-6700 (outside the US) or by dialing **MONEY from your T-Mobile wireless device in order to:

1. Get transaction information about your Account.
2. Place a stop payment order or dispute a transaction
3. Request copies of statements, and deposited items.
4. Report a card lost or stolen.

You agree we may contact you using any information you’ve provided, including but not limited to email, text, phone, or mail. You consent to receiving calls or texts, which may result in charges to your mobile phone.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before the cutoff time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the cutoff time or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

Cutoff times (MT):

• Incoming wires: 6 p.m.
•  Mobile check: 7 p.m.
•  External transfers/bill pay: 11:59 p.m.
•  Cash deposits: no cutoff time
•  Incoming ACH/direct deposits: no cutoff time

Funds from the following sources are available on the same business day we receive the deposit:

• Funds from ACH/direct deposits
• Incoming wire transfers

Mobile check deposits are subject to the “Rules for Mobile Deposit Funds Availability” provisions under the Mobile Check Deposit Terms and Conditions section below.

Cash deposits made through the Mastercard rePower® network are available the next business day after the business day on which these deposits are received. In many cases, however, cash deposits will be available sooner, including immediately after deposit.

This disclosure states the additional rights and responsibilities that you may have pertaining to Electronic Fund Transfers and applies only to deposit accounts established for personal, household or family use. The term “Electronic Fund Transfer” includes, transfers of funds initiated through an electronic terminal, telephone, magnetic tape, mobile device, or computer for the purpose of ordering, instructing, or authorizing a financial institution to debit or credit a deposit account. This includes, without limitation, ATM and Point of Sale (POS) transfers, ACH transfers, debit card transactions, transactions initiated via online or mobile banking, and electronic check conversion transactions. See Online Bill Payment Terms and Conditions for additional terms that apply to bill payment transactions.

Business Days

A Business Day is every Monday through Friday, excluding Federal Reserve holidays.

Electronic Fund Transfers: Checking Accounts

You may make the following electronic fund transfers from your checking Account:

Electronic transfers. You may authorize us or third parties to make one-time or recurring transfers of funds to or from your Account by providing your Account number. Examples of these transfers include, but are not limited to:

• Payroll direct deposits, government benefits, or other direct deposits
• One-time or recurring transfers to pay bills from your Account
• Transfers between your checking Account and your savings
• Transfers between your Account and your accounts at other financial institutions
• One-time electronic transfers using information from your check to pay for purchases or pay bills

There are limits on the amount and number of electronic transfers you can make from your Account. Limits may be disclosed in the App. Limits are set for security reasons and not all limits may be disclosed for that reason.

T-Mobile Money™ Debit Mastercard® transactions. You may use your T-Mobile Money™ Debit Mastercard® to:

• Purchase goods or services in person, online or by phone at any merchant that accepts T-Mobile Money™ Debit Mastercard®
• Deposit cash using the Mastercard rePower® network at participating merchants

There are limits on the amount and number of T-Mobile Money™ Debit Mastercard® you can make from your Account. Limits may be disclosed in the App. Limits are set for security reasons and not all limits may be disclosed for that reason. When you use your T-Mobile Money™ Debit Mastercard® to make a purchase, a hold may be placed on the funds available in your Account to cover the transaction. Held funds will not be available for withdrawal or to cover other payments during the hold period.

You may also use your T-Mobile Money™ Debit Mastercard® to at ATMs to:

• Withdraw cash
•  Check your Account balance

Deposits cannot be made at ATMs.

There are limits on the amount and number of ATM withdrawals you can make from your Account. Limits may be disclosed in the App. Limits are set for security reasons and not all limits may be disclosed for that reason.  

Internet Banking. You may access your Account via the Website or App with your user ID and Password to:

1. Get the account balance of your Account.
2. Get the account history starting from August 27, 2025
   
3. Make payments from your Account to third parties using the Bill Pay Service.
4. Request copies of statements, checks and deposited items (as applicable).
5. Transfer funds between your T-Mobile Money Accounts.

Your username and password, along with any other authentication procedures we may require, will serve as your authorization for online transfers. There are limits on the amount and number of ATM withdrawals you can make from your Account. Limits may be disclosed in the App. Limits are set for security reasons and not all limits may be disclosed for that reason.  

You may use the Website or App to transfer funds between your checking a

Please refer to the Fee Schedule for additional information about fees.

We don’t charge fees for using non-Coastal Community Bank or non-Allpoint ATMs, but the ATM owner/operator may charge fees—even for balance inquiries or incomplete transactions.

Allpoint® ATMs may change and aren’t guaranteed to be available 24/7. Use the Allpoint® locator for the latest updates and check each ATM for posted fees before use. Third-party ATM fees are not set or collected by us.

If you make a purchase or withdraw funds in a currency other than U.S. dollars, Mastercard will convert the amount to U.S. dollars using a market or government-mandated exchange rate on the processing date. We don’t charge foreign transaction fees, but third parties may, and those fees will be deducted from your Account.

Your PIN and password are personal and confidential security tools for using your card or accessing your Account. Use your PIN at ATMs and your password for online transactions. You agree to keep them private, not share them, avoid writing them down, and never leave your device unattended while logged in.

If you have told us in advance to make regular payments out of your Account, you can stop any of these payments with timely notice to us. Contact us by calling (866)-686-9358 (inside the US) or (414)-751-6700 (outside the US) or by dialing

**MONEY from your T-Mobile wireless device at least three business days before the payment is scheduled to be made.

If these regular preauthorized payments may vary in amount, the person you are going to pay will tell you 10 days before each payment, when it will be made, and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits you set.

If you order us to stop one of these payments, 3 business days or more, before the transfer is scheduled and we do not do so, we will be liable for your losses or damages.

You can get a receipt at the time you make any transfer to or from your Account using most automated teller machines or point-of-sale terminals.

If you have arranged to have direct deposits made to your Account at least once every 60 days from the same person or company, you can call a T-Mobile Money Specialist at (866)-686-9358 (inside the US) or (414)-751-6700 (outside the US) or dial **MONEY from your T-Mobile wireless device for bilingual support 8AM-12AM ET, 365 days a year to find out whether or not the deposit has been made.

You will get a monthly account statement.

If we do not properly complete a transaction from your Account on time or in the correct amount according to our Agreement with you, we may be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

1. If through no fault of ours, you do not have enough funds available in your Account to completethe transaction;
2. If a merchant refuses to accept your card;
3. If the ATM where you were making a cash withdrawal does not have enough cash;
4. If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction;
5. If access to your Account has been blocked after you reported your card lost or stolen;
6. If there is a hold or your funds are subject to legal process or other encumbrance restricting their use;
7.  If we have reason to believe the requested transaction is unauthorized;
8. If circumstances beyond our control (such as fire, flood, or computer orcommunication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; or
   
9. Any other exceptions stated in our Agreement with you.

Report lost or stolen cards or unauthorized transfers immediately by calling T-Mobile Money at (866)-686-9358 (U.S.), (414)-751-6700 (international), or **MONEY from your T-Mobile phone.

You could lose all the money in your account. If you tell us within 2 business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card, and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

If you spot an error on your statement or need more info about a transaction, contact us as soon as you can by calling T-Mobile Money at (866)-686-9358 (U.S.), (414)-751-6700 (international), dialing **MONEY from a T-Mobile device. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. You’ll need to provide:

1. Your name and account/card number
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information
3. The dollar amount in question

If you call, we may require a written follow-up within 10 business days. We’ll resolve most issues within 10 business days and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

We may disclose information to third parties about your Account or the transfers you make:

1. Where it’s necessary for completing transfers, or
2.  In order to verify the existence and condition of your Account for a third party, such as a credit bureau or merchant, or
3.  In order to comply with government agency or court orders such as any subpoena, summons, court or administrative order, or other legal process which we believe requires our compliance, or
4.  As otherwise described in our Privacy Policies, or
5.  If you give us your written permission.
6.  If not otherwise prohibited by law.

This section of this Agreement does not apply to any dispute in which the amount in controversy is within the jurisdictional limits of, and is filed in, a small claims court. We and you agree to arbitrate all other disputes and claims between you and us. This agreement to arbitrate is intended to be broadly interpreted. This arbitration agreement does not preclude you from bringing issues to the attention of federal, state, or local agencies. Such agencies can, if the law allows, seek relief against us on your behalf. You agree that, by entering into this Agreement, you and we are each waiving the right to a trial by jury or to participate in a class action. This Agreement evidences a transaction in interstate commerce, and thus the Federal Arbitration Act governs the interpretation and enforcement of this provision. This arbitration provision shall survive termination of this Agreement.

You have the right to opt out of this Arbitration provision by sending a written notice of your decision to opt out to TMobile_Arbitrations@coastalbank.com (“Opt-Out Notice”), within sixty (60) days after first becoming subject to this Arbitration provision. Your Opt-Out Notice must clearly state that you want to opt out of this Arbitration provision, identifying the Arbitration provision by date; providing your name and address, and the email address and the phone number you used to set up your account, and the Opt-Out Notice must be electronically signed by you. No other methods can be used to opt out of this Arbitration provision.  Any Opt-Out Notice will be effective only if you send it yourself, on an individual basis, and opt out notices from any third-party purporting to act on your behalf will have no effect on your or our rights. If you opt out of this Arbitration provision, all other parts of this Agreement will continue to apply to you. Opting out of this Arbitration provision has no effect on any arbitration agreements that you may currently have with us, including any previous versions of this Arbitration provision to which you agreed and did not timely opt out, which will remain in effect, and has no effect on any arbitration agreements with us you may enter in the future.

A party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to us should be addressed to Legal, PO Box 12220 Everett, WA  98206(the "Notice Address"). Any Demand should also be sent by email to TMobile_Arbitrations@coastalbank.com. The Notice must (a) identify the name, telephone number, mailing address, and email address of the party to this Agreement seeking arbitration, as well as the email address associated with any applicable account, (b) describe the nature and basis of the claim or dispute; (c) set forth the specific relief sought; and (d) include a statement certifying that the requesting party will pay any necessary filing fees applicable to you as a consumer in connection with the arbitration as set forth in the AAA fee schedule (the “Demand”). If we do not reach an agreement with you to resolve the claim within 30 days after the Notice is received, we or you may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by us or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or we are entitled.

The arbitration will be governed by the Consumer Arbitration Rules (“AAA Rules”) of the American Arbitration Association (“AAA”), as modified by this Agreement, and will be administered by the AAA. The AAA Rules are available online at www.adr.org, or by writing to the Notice Address. The AAA Rules and the fee schedule therein set forth your limited obligation to pay filing fees. However, should you be unable to afford the filing fee as determined by the AAA Rules, we will consider in good faith any bona fide request to pay or reimburse such fees. All issues are for the arbitrator to decide, except that issues relating to the scope and enforceability of the arbitration provision are for the court to decide. Unless we and you agree otherwise, any arbitration hearing that you attend will take place in the federal judicial district in which you reside. If your claim is for $10,000 or less, we agree that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. If your claim exceeds $10,000, the right to a hearing will be determined by the AAA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based.

You shall bear your own attorneys’ fees and costs in arbitration unless the arbitrator finds that either the substance of the dispute or the relief sought in the demand was frivolous or was brought for an improper purpose, in which case we may seek an award of our attorneys’ fees and costs against you and/or your attorney.

The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR OURINDIVIDUAL CAPACITIES, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANYPURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and

we agree otherwise, the arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific paragraph, or any portion thereof, is found to be unenforceable, then the entirety of this arbitration provision shall be null and void.

Notwithstanding any provision in this Agreement to the contrary, we agree that if we make any future change to this arbitration provision (other than a change to the Notice Address), you may reject any such change by sending us written notice within 30 days of change to the Arbitration Notice Addressprovided above. By rejecting any future change, you are agreeing that you will arbitrate any dispute between you and us in accordance with this provision. These arbitration provisions shall survive closure of your Account or termination of all business with us.

These arbitration provisions shall survive closure of your Account or termination of all business with us.

Effects of Arbitration: If either of you or us chooses arbitration, neither you nor we will have the right to litigate the dispute in court or have a jury trial. In addition, you will not have the right to participate as a representative or member of any class of claimants pertaining to any dispute subject to arbitration. Notwithstanding the foregoing, any question as to the validity and effect of this class action waiver shall be decided solely by a court of competent jurisdiction, and not by the arbitrator.

This Agreement is governed by and interpreted under the laws of the State of Washington

You agree to indemnify and hold us, T-Mobile, and our affiliates, officers, directors and employees, agents and contractors harmless from any claim, action, demand, loss, or damages (including attorneys’ fees) made or incurred by any third party arising out of or relating to your use of the Service.

In no event shall we be liable for any act or omission of any third party (such as, for example, any provider of telecommunications services, Internet access or computer equipment or software) or any circumstances beyond our control (such as, for example, a fire, flood or other natural disaster, act of God, war, riot, strike, act of civil or military authority, equipment failure, computer virus, or failure or interruption of electrical, telecommunications or other utility services).

We will not be deemed to have waived any of our rights or remedies hereunder unless such waiver is in writing and signed by us. No delay or omission on our part in exercising any rights or remedies will operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion will not be construed as a bar or waiver of any rights or remedies on future occasion.

How Got Your Back works: “Got Your Back” is available only for Checking Accounts and provides for payment of debit card purchases, or ACH payment transactions that would cause an overdraft of up to $50.00 based on the balance in your T-Mobile Money Checking Account.

Qualification Criteria: Each day, we look at the total amount of Eligible Deposits you’ve deposited into your checking Account over the past 31 days. “Eligible Deposits” include only ACH payroll-based direct deposits and does not include check or cash deposits. Once the Eligible Deposit total hits $200 or more, Got Your Back turns on the next business day following eligibility. If the Eligible Deposits we count in the 31-day window add up to less than $200, coverage turns off—but it’ll return once you meet the requirement again.

You must repay any negative balance within 30 days from the date your Account went negative. If you do not pay us back within 30 days, you may lose Got Your Back for good.

These Online Bill Payment Terms and Conditions (“Bill Pay Terms”) shall be part of the Agreement and shall apply to any use of the Online Bill Payment Service offered by T-Mobile Money (the “Bill Pay Service”). By using the Bill Pay Service, you agree to be bound by these Bill Pay Terms.

Definitions

• “Business Day” is every Monday through Friday, excluding Federal Reserve holidays.
•  “Due Date” is the date reflected on your Payee statement for which the payment is due. It is not the late date or grace period.
•  “Payee” is the person or entity to which you request a bill payment to be directed.
•  “Payment Instruction” is the information provided by you to the Bill Pay Service for a bill payment to be made to the Payee.
•  “Scheduled Payment” is a payment that has been scheduled through the Bill Pay Service but has not begun processing.
•  “Scheduled Payment Date” is the day your Account will be debited and is also the day the Bill Pay Service will begin processing your payment, unless the Scheduled Payment Date falls on a non-Business Day, in which case the Scheduled Payment Date will be the next Business Day.

When scheduling payments you must provide the correct information, such as the correct name, address, phone number or account information for the Payee. Scheduled payments submitted before 8 p.m. ET on any given Business Day, will be processed on the same Business Day. Payments submitted after 8 p.m. ET will be processed on the next Business Day.

Not all Payees will receive electronic payments through our Bill Pay Service. Only participating Payees may receive electronic payments. Payments to other Payees may be made by paper check.  We reserve the right to make payment via paper check to any Payee at any time.

Payments issued electronically will begin processing on your Scheduled Payment Date and will arrive approximately three(3) Business Days after the Scheduled Payment Date. When scheduling payments, you must select a Scheduled Payment Date that is no fewer than three (3) Business Days before the actual Due Date, not the late date or grace period.

If electronic delivery is not available for the Payee, payments will be issued by paper check. Payments will begin processing on your Scheduled Payment Date and will arrive approximately five (5) – seven (7) Business Days after the Scheduled Payment Date. When scheduling payments, you must select a Scheduled Payment Date that is no fewer than seven (7) Business Days before the actual Due Date, not the late date or the grace period.

The maximum transaction limit for bill payments is $10,000. The aggregate daily limit for bill pay transactions is $20,000.

Due to circumstances beyond the control of the Bill Pay Service, particularly delays in handling and posting payments by Payees or other financial institutions, some transactions may take longer to be credited to your account with the Payee. The Bill Pay Service will bear responsibility for any late payment related charges, up to $50.00 per incident, should a payment post to your account with the Payee after its Due Date as long as the payment was scheduled in accordance with the guidelines described under “Payment Scheduling” in this Agreement.

By providing Payee details, you authorize the Bill Pay Service to follow your Payment Instructions. To ensure efficient processing, the Bill Pay Service may adjust payment data per Payee guidelines. When you initiate a bill payment, you authorize the Bill Pay Service to debit your Account. If a payment is returned, the Bill Pay Service will attempt to correct and resend it or void and credit your Account.

The Bill Pay Service is not liable for failing to process a payment if:

a) Your Account lacks sufficient funds;
b) The payment system malfunctions, and you were informed;
c) You provided incorrect Payee details; or
d) Uncontrollable events (e.g., fire, flood) prevent the transaction.

If none of these apply and an error occurs, the Bill Pay Service will correct it by crediting your Account and ensuring payment reaches the correct Payee.

The Bill Pay Service reserves the right to select, at its sole discretion, the method in which to remit funds on your behalf to your Payee. These payment methods may include, but may not be limited to, an electronic payment or a check payment.

You can cancel or edit any Scheduled Payment (including recurring ones) through the app. For shared Accounts, only the scheduler can cancel/edit a payment, but either co-owner may request a Stop Payment. There is no fee for cancellations, edits, or Stop Payments.

Once processing begins, payments can’t be canceled or edited—only a Stop Payment may be requested. The ability to stop payment depends on the method used and whether a check has cleared. If the payment is already processed, contact Customer Service. While the Bill Pay Service will try to help, it isn’t liable for unsuccessful stop requests or third-party charges. A written request may be required.

The Bill Pay Service does not allow payments to Payees outside the U.S. or its territories and must only be used for lawful payments. Tax and court-ordered payments are allowed but discouraged and done at your own risk. The Bill Pay Service is not liable for any issues with these payments, and its guarantee for late fees does not apply. You are solely responsible for resolving any errors with such payments. The Bill Pay Service may refuse to pay any Payee at its discretion and will notify you unless the payment is prohibited or an exception under this Agreement.

The Bill Pay Service, and its related documentation are provided “as is,” without any warranties, express or implied, including but not limited to implied warranties of merchantability or fitness for a particular purpose. These Bill Pay Terms do not change your existing responsibilities or obligations with your Payees.

Any applicable fees are displayed on the website or set forth in the applicable fee schedules in effect from time to time. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize the Bill Pay Service to deduct the calculated amount from your Account for these amounts and any additional charges that may be incurred by you. Any fees associated with your Account will continue to apply.

The Bill Pay Service may change these Bill Pay Terms, fees, or charges at any time and will notify you in accordance with this Agreement. Continued use of the Bill Pay Service after notice means you accept the changes. The Bill Pay Service may also update its applications or materials, making older versions obsolete, and may limit access to the latest versions only.

You may cancel the Bill Pay Service online or by contacting customer service. Payments already processed before cancellation will be completed, but all future Scheduled Payments, including recurring ones, will stop. The Bill Pay Service may suspend or terminate your access at any time, especially in cases of abuse or commercial use. Termination does not affect your existing obligations under this Agreement.

To make check processing faster, federal law permits banks to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: “This is a legal copy of your check. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check.

In the event that you receive a check back from us, some or all of the checks you receive back may be substitute checks. This notice describes the rights you have in the event that you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions.

n certain cases, Federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your Account (for example, if you think that we withdrew the wrong amount from your Account or that we withdrew money from your Account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your Account and fees that were charged as a result of the withdrawal (for example, bounced check fees).

The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your Account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.

If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your Account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your Account earns interest) not later than 45 calendar days after we received your claim.

We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your Account.

If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your Account, please contact us at: (866)-686-9358 (inside the US) or (414)-751-6700 (outside the US).

You must contact us within forty (40) calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the Account statement showing that the substitute check was posted to your Account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.

Your claim must include

• A description of why you have suffered a loss (for example, you think the amount withdrawn wasincorrect);
• An estimate of the amount of your loss;
• An explanation of why the substitute check you received is insufficient to confirm that yousuffered a loss; and
• A copy of the substitute check and the following information to help us identify the substitute check: the check number, the name of the person to whom you wrote the check, and the amount of the check.

These Mobile Check Deposit Terms and Conditions (“Mobile Deposit Terms”) shall be an amendment to and a part of the Agreement and shall apply to any use of mobile check deposit service (the “Mobile Deposit Service”). By using the Mobile Deposit Service, you agree to be bound by these Mobile Deposit Terms.

Definitions

• “Capture Device” means a device the meets the following requirements: (i) Apple® iPhone® iOS 15.0 or later or Android® Version 5.0 or later; (ii) powered by a cellular service provider; (iii) has at least a 3.2-megapixel rear-facing camera; and (iv) has a cellular or wi-fi data connection.
• “Check 21” means the Check Clearing for the 21st Century Act.
• “Image” means the electronic image of the front and back of an Item, in addition to other required information, as specified by us, in the format we specify.
• “Image Replacement Document” or “IRD” means a substitute check, as defined in Check 21.
• “Item” means any original check, cashier’s check, official check, U.S. Treasury check, or any other payment instrument, drawn on a financial institution within the United States and payable in U.S. currency that is payable to you. Items are deemed to be “Items” under the Uniform Commercial Code. Item(s) deposited through mobile check deposit are not considered “checks” under The Expedited Funds Availability Act or Regulation CC for funds availability purposes.

Pursuant to these Mobile Deposit Terms, you may use the Mobile Deposit Service to deposit Items to your Account by creating an Image of the Item using a Capture Device  and transmitting that Image to us for deposit. You may transmit Images to us only from a Capture Device located in the United States.

You are responsible for obtaining, maintaining, and securing an approved Capture Device at your own expense, including any internet or phone charges. Carrier data rates may apply.

Only authorized devices may be used to transmit images, and we may reject transmissions from unapproved devices. You must ensure only authorized users access the device and implement proper internal security controls. We may require additional controls and will inform you of any updates. You are also responsible for maintaining the necessary system capacity and connectivity for using the Mobile Deposit Service.

You are responsible for ensuring the image quality of all items you transmit. Images must be clear and legible. Any image that doesn’t meet these standards may be rejected. It’s your duty to check if an image was rejected. Each image must show the front and back of the check and clearly display all required details, including the endorsement: “For remote deposit”

You authorize us to process any Image that you send us or convert an Image to an Image Replacement Document. You authorize us to handle the Image or IRD.

There are daily limits on the dollar amount of check deposits that you may make through the Mobile Deposit Service. Limits may be disclosed in the App. Limits are set for security reasons and not all limits may be disclosed for that reason. If you attempt to initiate a deposit in excess of these limits, we may, at our sole discretion, reject your deposit(s) until your limits are no longer exceeded. If we permit you to make a deposit in excess of these limits, such deposit will still be subject to these terms and conditions, and we will not be obligated to allow such a deposit at other times. In order to use the Mobile Deposit Service your account must be active, and your identity verified.

You agree not to use the Mobile Deposit Service to deposit items that don’t meet the definition of an Item. Non-qualifying deposits may be rejected without notice.

You are solely responsible for any Item for which you have been given provisional credit, and any such Item that is returned or rejected may be charged back to your Account even if doing so results in an overdraft on your Account. You acknowledge that all credits received for deposits made through the Mobile Deposit Service are provisional, subject to verification and final settlement. Any Item that we return to you will be returned in the form of an Image or an IRD.

You agree not to deposit or present an Item more than once, by any method. Images already submitted through the Mobile Deposit Service or to any bank may not be transmitted again. Duplicate deposits may be rejected or charged back to your Account without notice at our discretion.

You’re responsible for ensuring no duplicate transmissions occur. Retain each deposited Item for 30 days, then destroy or disable it to prevent further use.

You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of customer claims, including by providing, upon request and without further cost, any originals or copies of Items in your possession and your records relating to Items and transmissions.

How items are cleared and collected is determined in line with your Account's Terms and Conditions.

Images are not considered received until you get a confirmation message. This confirmation does not guarantee a complete or error-free transmission. We’re not liable for images not received or dropped. We may reject any image at our discretion.

Mobile deposits are generally available on the 4th business day after we receive your deposit. We may make the first $275 available on the next business day based on factors like account history or relationship, but this is not guaranteed. Longer holds may apply if:

• We believe the check may not be paid
• A returned check is redeposited
• You’ve frequently overdrawn your Account
• There’s a system failure or emergency