You can visit your box any time during normal business hours and the institution will have you provide proof of identification before accessing your belongings. Be sure to keep your key in a secure place since you hold the only copy. An account that remains negative, past a 60 day grace period, will be closed and negative amounts for transactions will be reported to the appropriate agency. A Safe Deposit Box takes two keys to open your key, plus a key kept by the institution. Citigroup limits it to 500 times the box’s annual rent, while JPMorgan Chase has a 25,000 ceiling on its liability. Wells Fargo’s safe-deposit-box contract caps the bank’s liability at 500. The company’s restrictive terms aren’t unusual. All overdrafts for transactions and fees should be paid within a timely manner. A Bank of America spokeswoman declined to comment on the case. Payment of an NSF item is at the sole discretion of ATFCU and based on a members overall relationship with the credit union to a maximum limit of $500 including fees. The standard $27.50 NSF (Courtesy) fee will still be imposed by ATFCU and any fees that would have been charged by a merchant will be avoided. This discretionary member courtesy could save you the embarrassment of returned items and expensive merchant fees. Unavailable funds include funds on hold from a check deposit or funds on hold from a debit card transaction authorized but not yet cleared. *ATFCU offers members with established account histories, in good standing, an "Overdraft Privilege" service to pay checks, VISA Debit Card transactions, point-of-sale transactions, ACH items and ATM withdrawals that are drawn against insufficient or unavailable funds at the time of presentment. Returned Item Member Drawer Fee (per item) Photo-Copy Fee - Check: (per item) (2 free per statement)
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