DIRECT DEPOSIT ADVANCE SERVICE AGREEMENT -CHANGE IN TERMS EFFECTIVE IMMEDIATELY -additional provisions relating to cancellation and availability of an advance, credit limit and APR.
ADVANCES Section: You may cancel an advance at no cost on the same business day as the advance is made (or succeeding business day if the advance is taken on a non-businessday) by calling MyBank Phone Bank prior to the established cut-offtime for the way you took the advance that day. You may only cancel one advance per day.
AVAILABILITY OF ADVANCES Section: If your consumer checking account is overdrawn for up to seven consecutive business days you will not have access to the Direct Deposit Advance service until the overdraft has been paid, the account balance has remained
positive for up to six consecutive business days, and all other eligibility criteria are met.
CREDIT LIMIT Section: The bank reserves the right, at any time, and upon notice when required by applicable law, to modify your credit limit, including reducing the credit limit to $0, based on your use of the Direct Deposit Advance service, your handling of the
funds in your checking account and other factors, at the bank?s sole discretion.
FEES Section: THE ANNUAL PERCENTAGE RATE (APR) is 120%.
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