Neither the death of an account holder nor a judicial assessment of incompetence revokes our power to accept, pay for or recover items until we are aware of the death or assessment of incompetence and have an opportunity to respond to such information. Even with knowledge, we may pay ten (10) days after the date of death of cheques drawn on or before the date of death, unless a person claiming interest in the account is ordered to stop payment. After the death or incompetence of an account holder or co-owner, we may delay the payment of funds from the account until we receive the documents we reasonably need or as required by law. However, if your NSF item is from an ATM transaction or a single debit card transaction, we do not authorize or pay for the item unless you or any other joint account holder agree with our basic overdraft service (“Opt-in”, Opt-in). Some consumer accounts are not eligible for the basic overdraft service and do not offer the customer the opportunity to sign up. If your account is not eligible for the Basic Overdraft Service, NSF items presented against your account will be declined and returned without balance. You can deposit cheques via your mobile device if you have a First Citizens Digital Banking account and have downloaded the First Citizens Mobile Banking app. Digital Banking is our online banking product for private and business clients who do not need the more extensive online banking services offered through First Citizens` Business Banking (BOB) Advantage®. Deposits made through the mobile deposit service are subject to our digital banking agreement, which is included by reference. These deposits are not subject to the terms of our Availability of Funds Policy or the requirements of CC Regulation (Part C of this Agreement). Funds deposited by mobile deposit are generally made available within three (3) business days of the deposit date, although availability may still be delayed in certain circumstances. Funds deposited through mobile deposit on a business day before 21:00.m. Eastern Time is considered to be filed on that day.

You can allow a merchant or other payee to make a one-time electronic payment from your checking account by using information from your check to pay for purchases or pay bills. Increasingly, banks that write cheques as part of a collection process convert cheques into electronic form (“electronic items”) and destroy the original cheque. If this happens during a check they write, certain information from your check (e.g.B amount and bank code) and/or an image of your check will be provided to us electronically, and we will never receive the original paper check you wrote. In addition, in the collection process, banks can convert your original cheque into a replacement cheque which, under federal law, represents the legal equivalent of the original cheque and destroy your original cheque. The replacement cheque will be submitted to us for payment and we will never receive your original cheque. Some merchants and service providers may also convert a check that you write in the payment of goods and services into electronic form, destroy the original check and send us the electronic entry via the ACH system (for more information, see the section of this agreement entitled “ACH Transactions”). If you have deposited money on your behalf as a trustee under a written trust agreement or will, you have created a trust account and your responsibilities are those imposed by law and by the provisions of the trust contract or will. . . .