You will vote for yourself (and the person or entity you represent if you sign as someone else`s representative) the terms of that account and the fee schedule. You allow us to deduct these expenses directly from the account balance without notice. You pay any reasonable additional fees for the services you request that are not covered by this agreement. We are not required to take into account facsimile signatures on your cheques or other orders. If we agree to honour items that contain facsimile signatures, allow us at any time to charge you all cheques, projects or other orders for payment of the money that is drawn from us. They give us this authority, regardless of the means or means by which the facsimile signatures were affixed, provided that they are similar to the facsimile signature copy submitted to us and that they contain the number of signatures required for this purpose. You should notify us immediately if you suspect that your facsimile signature has been misappropriated or misused. In return for cash, current accounts generally do not offer high interest rates (if at all, they offer interest). But if held in a chartered bank, the funds are guaranteed by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per individual investor per insured bank. We will determine if an error occurred within 10 business days (20 business days if the transfer contains a new account) after we have had your account and we fix any bugs immediately. However, if we need more time, we can ask for up to 45 days (90 days if the transfer included a new account, point-of-sale transaction or transfer initiated abroad) to review your complaint or question. If we decide to do so, we will credit your account within 10 business days (20 business days if the transfer included a new account) the amount you think is an error, so you use the money for the time it takes to complete our investigation.
If we ask you to submit your complaint or question in writing and we do not receive it within 10 business days, we cannot credit your account.