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Withdrawals from accounts

General
Unless otherwise clearly indicated by the Bank, anyone who signs in the space designated for signatures on the Signature Card (which may be included on the application form itself), including authorized signers, may withdraw or transfer all or any part of the account balance at any time on forms approved by us or with your ATM card or debit card. You authorize every person signing the Signature Card to endorse any item payable to you or your order for deposit to this account or to complete any other transaction with us, unless and until we receive written notice to the contrary.  The Bank reserves the right to require at least seven (7) days notice prior to the withdrawal of your funds on interest bearing accounts. 

The Bank may have additional requirements for specific withdrawal methods, such as wire transfers.

If your account has multiple signers, the Bank is only required to verify one of them to process the transaction.

The fact that we may honor withdrawal requests that overdraw the account balance does not obligate us to do so, unless required by law. Withdrawals will first be made from available funds, and we may, unless prohibited by law or our written policy, refuse any withdrawal request against unavailable funds, even if our general practice is to the contrary. We reserve the right to refuse any withdrawal or transfer request that is attempted by any method not specifically permitted or that exceeds any frequency limitations. Even if we honor a nonconforming request, repeated abuse of the stated limitations (if any) may eventually force us to close the account. We will use the date a transaction is completed by us (as opposed to the day you initiated it) to apply the frequency limitations.

Telephone Transfers
A transfer of funds from your account to another account with us by telephone, if otherwise permitted or arranged for, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing.