5.8 Withdrawal Limitations, All Accounts If a savings Account has ATM or electronic activity, you will receive monthly statements. We reserve the right to amend this Agreement at any time. Accounts must be titled with the same primary account holder to qualify for the bonus. Except as otherwise provided by law, the ownership of an Account may be transferred or assigned to another party only with the Bank’s written consent. (4) Checks, including Online Bill Pay Service transactions paid by check — For this category, the Bank processes and posts Withdrawal Requests by check number. The Bank cannot stop such arrangements. Are there ATM fees when I use my BMO Harris Bank HSA Debit Mastercard ®? Please consult a professional tax specialist for IRS rules governing HSAs, CESAs and IRAs (including differences between Traditional IRA and Roth IRA tax treatment and potential IRS penalties on funds withdrawn from such plans). These Account Charges may be changed from time to time by the Bank. Even if we honor a nonconforming request, activity in excess of applicable restrictions may be grounds for closing an Account or removing an Account’s transaction and check privileges. If your employer or a third party has elected to pay any of the fees associated with your Account and this changes in the future, you will be charged the monthly fee as outlined in our fee schedule. Please let us know your contact preferences and inform us of updates when your contact information changes. (2) To verify the existence and condition of your Account for a third party, such as a credit bureau, another financial institution or merchant. Please contact your local banking office for specific cutoff times. If there is no Pending Activity on your Account, the Available Balance and Account Balance will be the same. Stop payment orders, including the renewal of a stop payment order, may be given verbally, including by telephone, or in writing. I expressly assume the responsibility for consequences which may arise from this withdrawal and I agree that HSA Bank shall not be held responsible. If tax advice is required, you should seek the services of a professional. 4.11 Organization Account 12.13.2 As noted in “Closing Your Account,” Section 5.17 of this Agreement, we may report closed Account information to Account verification services. If you have any questions, please ask your Associated Banker. I faxed it on 8/29/19. Any such waiver does not affect the right of the Bank to enforce its rights with respect to other customers or to enforce any right with respect to later transactions with you. If you reside outside one of these three states or opened an Account online, “state law” refers to Wisconsin law (in each case, without regard to state conflicts of law principles). or any bank or affiliate, are NOT insured by the FDIC or any agency of the United States, and involve INVESTMENT RISK, including POSSIBLE LOSS OF VALUE. You agree to notify us in writing if you or your organization becomes an internet gambling business. Consult with your tax and/or legal advisor for information specific to your situation. 9.5.4 The arbitration will be governed by the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes (collectively, the “AAA Rules”) of the AAA, as modified by this Agreement to Arbitrate, and will be administered by the AAA. The rights in this notice do not apply to original checks or to electronic debits to your Account. 9.8 Availability of Small Claims Court and Access to Government Agencies HELPFUL HINT FOR CONSUMERS The funds may be paid to, or at the direction of, any one of the Account holders. Cutoff times may vary by location. Associated Bank has hundreds of locations throughout Illinois, Minnesota and Wisconsin. The following section provides information on Account ownership and survivorship options. 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 us, toll-free, to find out whether or not the deposit has been made. The Bank reserves the right, but does not have the obligation, to prohibit and/or reject transactions involving internet gambling. If the account is closed within 12 months, Associated Bank reserves the right to deduct the bonus from the account prior to closing. MoneyPass surcharge-free network ATMs*................................................................................................................No charge Interest is compounded and credited based on a 365/366-day year. 7.2 Your Rights Regarding Substitute Checks Interest rates and Annual Percentage Yields (APYs) may vary by market. 3.8 “Party” means a person who, by the terms of an Account, has a present right, subject to request, to payment from the Account other than as an agent. All: Details on how to obtain the membership discount online will be sent to your email address (or valid U.S. postal address, no Post Office boxes allowed), within six to eight weeks of the new customer account being opened and funded. 12.13.4 Information Sharing Please refer to the Associated Banc-Corp “What Does Associated Banc-Corp Do With Your Personal Information?” disclosure for more information on our information sharing with affiliates and nonaffiliated third parties. The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party’s individual Claim; any injunctive relief must be individualized in nature and cannot affect Account holders other than the claimant. YOU AND THE BANK AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING, OR AS A PRIVATE ATTORNEY GENERAL OR ON BEHALF OF THE GENERAL PUBLIC. 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. 4.6 Fiduciary Property insurance and flood insurance, if applicable, will be required on collateral. 14.7 Deposit Insurance. 12.11 Cancellation of Services (1) Only available funds are transferable. All checks or drafts that we have authorized through a terminal for deposit or payment are credited subject to collection, and the credit will be reversed if the check or draft is not paid. Online bill pay, online banking, overdraft protection, and more. 11.1 Funds Availability Policy Disclosure Interest-bearing Accounts will bear interest at annual rates that are calculated and compounded by such methods as we may establish from time to time. Any person having a Power of Attorney (POA) or agent relationship to an Account may not change the ownership of an Account unless “gift giving” powers or the power to change Account ownership are specifically stated in the Power of Attorney documents. 4. The 50% discount is nontransferable and not redeemable for cash. “State laws” refers to the laws of the state where you reside if in Wisconsin, Illinois or Minnesota. 4.17 Death or Incompetence Associated Balanced Checking Product Disclosure (PDF) 5.8 Associated Choice Checking is an interest earning account and interest is paid on the daily collected balance. 5.14 Setoff Rights Offer not available for customers who already have or have had an Associated Bank checking account within the last six months. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees, expenses, the alternative payment, and the attorney payment upon request from either party made within 14 days of the arbitrator’s ruling on the merits. You are responsible for actively monitoring and protecting your Account against theft and fraud. This may result in a periodic allocation of funds between your Accounts and your savings Sub-Account. To waive the monthly free on the account, you need at least a $500 monthly direct deposit, $1,000 minimum daily balance, or combined a deposit balance of $2,500 in all deposit accounts at Associated Bank. Associated Banc-Corp and its affiliates do not give tax or legal advice. 5.13 Account Charges You need to input your Personal Identification Number (PIN) to complete POS transactions. By adding an agent to your Account, you agree to hold the Bank harmless from any and all acts of the agent with respect to the Account and from the Bank’s good-faith exercise of its discretion as to whether to accept or not accept directions from the agent. Customers who had an Associated Bank checking account in the last six months and Associated Bank colleagues are not eligible. Distributions. This may cause your Account Balance to be insufficient to pay the Debit Card transaction and result in an Overdraft Fee when the everyday Debit Card transaction posts to your Account. Distributions from your HSA are used to pay for qualified medical expenses. Chosen as HSA Trustee for the State of Indiana employees, today we provide customized HSA solutions for employer groups and individuals in all 50 states. They also do not govern, modify or amend the content of the section and should not be used to interpret the terms of this Agreement. 12.8.1 The following limitation of liability and error resolution provisions apply only to electronic transactions on consumer Accounts subject to Regulation E, 12 CFR Part 205. Ordinarily, any authorized signer may revoke a stop payment order, but we may elect to require the revocation to be given by the same person who issued the stop payment order. It also charges a $25 monthly maintenance fee, which is waived if you keep $10,000 in combined deposit accounts each or there’s a presence of an HSA or investment account. SECTION SUMMARY ATM withdrawals The ATM withdrawal fee can be avoided by using online account transfers and so on. 11.1.3 Incoming wire transfers received by 5 p.m. will be credited to your Account that day. 11.2.1 In some cases we will not make all of the funds that you deposit by check available to you on the first Business Day after the day of your deposit. If your Account is a tiered-rate or stepped-rate Account, the Bank may pay the same interest rate on more than one tier. To help reduce your risk, please review your statements thoroughly and quickly report issues to us. 5.1.3 Our goal is to assist you with all your banking needs and provide you with the responsive, personalized service you deserve. (1) Withdraw cash from your related checking, savings or money market Accounts. This method applies a daily periodic rate to the collected principal balance in the Account each day. Accounts with a zero balance may be closed automatically. 12.13.3 The Bank is not liable to you for the disclosure of information that does not fall into one of the aforementioned categories if such disclosure was not in violation of any statute, rule, regulation or agreement. How much will my adjustable rate payments be? We will not determine ownership of the funds. Property insurance and flood insurance, if applicable, will be required on collateral. Merchants may use check information such as routing, Account and serial numbers to make an electronic presentment against your Account, and the check may not be returned to you. Disability. You agree to hold us harmless from any claim arising as a result of our exercise of our right of setoff. First, generally you won’t pay federal income tax on money you deposit into your account. This section defines some of the terms used in this Agreement. 1. Since there is no time limit within which the foreign paying bank has to return the check, it could be returned unpaid at any time. There are several ways to obtain information about your Available Balance, including, but not limited to, inquiring about your Account through an ATM, online banking, telephone banking, consumer mobile banking, in-person at a branch or by reconciling your recent Account statement.