| http://www.w3.org/ns/prov#value | - An insufficient balance can result from the payment of checks, electronic funds transfers or other withdrawals and payments authorized by you, the return of unpaid items you have deposited, bank service charges or the deposit of items not yet collected in accordance with the Funds Availability Policy.The amount of any overdraft plus the $36.00 per item fee is due and payable on demand.
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