INTRODUCTION A REVIEW OF UCC ARTICLE 4A: FUNDS TRANSFERS ACCOUNT TRANSACTIONS AND LEGAL RELATIONSHIPS ACH DATA BREACH NOTICE REQUIREMENTS ACH RESPONSIBILITIES OF FINANCIAL INSTITUTIONS POTENTIALLY IMPACTED BY CORONAVIRUS ACH RULES FOR ELECTRONIC CHECK ACCEPTANCE ACH RULES FOR ELECTRONIC RE-PRESENTMENT OF CHECKS ATM ACCESS FEE DISCLOSURES CENTRALIZED CHECK RETURN SYSTEMS CHECK 21: REVIEW AND SUMMARY CLOSING DEPOSITORY CUSTOMER ACCOUNTS: PRACTICAL AND PROCEDURAL ISSUES DEBIT CARD INTERCHANGE AND ROUTING REGULATION DEPOSIT ACCOUNT DOCUMENTATION: DEPOSIT ACCOUNT DOCUMENTATION: CERTIFICATION OF TRUST DEPOSIT ACCOUNT DOCUMENTATION: CORPORATIONS DEPOSIT ACCOUNT DOCUMENTATION: DUAL-SIGNATURE REQUIREMENTS FOR CHECKS DEPOSIT ACCOUNT DOCUMENTATION: LIMITED LIABILITY COMPANIES DEPOSIT ACCOUNT DOCUMENTATION: LIVING TRUSTS DEPOSIT ACCOUNT DOCUMENTATION: MINORS DEPOSIT ACCOUNT DOCUMENTATION: NATURAL PERSONS DEPOSIT ACCOUNT DOCUMENTATION: PARTNERSHIPS DEPOSIT ACCOUNT DOCUMENTATION: QUICK REFERENCE TABLE DEPOSIT ACCOUNT DOCUMENTATION: SAMPLE ACCOUNT OWNER/AUTHORIZED SIGNER INFORMATION FORM DEPOSIT ACCOUNT DOCUMENTATION: SOLE PROPRIETORSHIPS DEPOSIT INSURANCE FOR ACCOUNTS HELD BY GOVERNMENT DEPOSITORS DIRECT DEPOSITS OF SOCIAL SECURITY AND SSI PAYMENTS: OVERDRAFT FEES AND OTHER OFFSETS ELDER ABUSE/TRANSACTION HOLD LAW ELDER FINANCIAL EXPLOITATION-FINCEN ADVISORY ELDER FINANCIAL EXPLOITATION - INTERAGENCY STATEMENT ELECTRONIC CASH: STORED VALUE CARD SYSTEMS ELECTRONIC FUNDS TRANSFER (EFT ‘99) ELECTRONIC TRANSFER ACCOUNTS FDIC DEPOSIT INSURANCE - JOINT OWNERSHIP DEPOSIT ACCOUNTS FEDERAL DEPOSIT INSURANCE SIGNAGE FDIC MODEL SAFE ACCOUNTS PILOT FDIC NSF FEES FOR RE-PRESENTMENT-DISCLOSURE/LOOK-BACK PERIOD FDIC: DEPOSIT INSURANCE COVERAGE FINANCIAL INSTITUTION DATA MATCH FRB DAYLIGHT OVERDRAFT POSTING RULES GARNISHMENT GARNISHMENTS OF ACCOUNTS CONTAINING FEDERAL BENEFIT PAYMENTS GARNISHMENTS OF ACCOUNTS CONTAINING FEDERAL BENEFIT PAYMENTS (HANDLING SEIZURE ORDERS UNDER THE FEDERAL GARNISHMENT RULE) GIFT CARD GUIDANCE GIFT CARD RESTRICTIONS GUIDANCE ON DEPOSIT PLACEMENT AND COLLECTION ACTIVITIES GUIDANCE TO ENCOURAGE FINANCIAL INSTITUTIONS YOUTH SAVINGS PROGRAMS HEALTH SAVINGS ACCOUNTS INTERAGENCY GUIDANCE REGARDING DEPOSIT RECONCILIATION PRACTICES INTEREST ON DEPOSITS AND RESERVE REQUIREMENTS INTEREST ON DEPOSITS AND RESERVE REQUIREMENTS INTEREST ON DEPOSITS AND RESERVE REQUIREMENTS: BROKERED DEPOSITS REGULATION INTEREST ON DEPOSITS AND RESERVE REQUIREMENTS: FEDERAL RESERVE BOARD REGULATION D INTEREST ON DEPOSITS AND RESERVE REQUIREMENTS: GUIDANCE ON IDENTIFYING, ACCEPTING, AND REPORTING BROKERED DEPOSITS INTEREST ON DEPOSITS AND RESERVE REQUIREMENTS: INTEREST AND PREMIUMS INTEREST ON DEPOSITS AND RESERVE REQUIREMENTS: NEBRASKA STATE DEPARTMENT OF BANKING AND FINANCE INTEREST ON DEPOSITS AND RESERVE REQUIREMENTS: RISK OF BROKERED AND RATE-SENSITIVE DEPOSITS INTERNAL REVENUE SERVICE: INTERNAL REVENUE SERVICE: BACKUP WITHHOLDING – NOTICES; TINs; AND REASONABLE CAUSE INTERNAL REVENUE SERVICE: ELECTION FOR HUSBAND AND WIFE UNINCORPORATED BUSINESSES INTERNAL REVENUE SERVICE: EMPLOYERS, SOLE PROPRIETORS, CORPORATIONS, PARTNERSHIPS, NON-PROFIT ORGANIZATIONS, TRUSTS AND ESTATES, GOVERNMENT AGENCIES, CERTAIN INDIVIDUALS AND OTHER BUSINESS ENTITY ACCOUNTS TIN DOCUMENTATION INTERNAL REVENUE SERVICE: FOREIGN TIN DOCUMENTATION INTERNAL REVENUE SERVICE: “INFORMAL ASSOCIATION” ACCOUNTS TIN DOCUMENTATION INTERNAL REVENUE SERVICE: “LIVING” OR “REVOCABLE TRUSTS” TIN DOCUMENTATION INTERNAL REVENUE SERVICE: TAX LEVIES AND SET-OFF INTERNAL REVENUE SERVICE: TIN-RELATED FORMS INTERNAL REVENUE SERVICE: TRUNCATED TAXPAYER IDENTIFICATION NUMBERS INTERNATIONAL ACH TRANSACTION REVISIONS LAWYER TRUST ACCOUNTS: IOLTA AND TRUST ACCOUNT CERTIFICATION LAWYER TRUST ACCOUNTS: OVERDRAFT NOTIFICATION RULE LIMITED EXCEPTION FOR A CAPPED AMOUNT OF RECIPROCAL DEPOSITS FROM TREATMENT AS BROKERED DEPOSITS MEDICAL SAVINGS ACCOUNTS NACHA SAME-DAY ACH RULE NEW NEBRASKA CONSERVATORSHIP FORMS NOW ACCOUNT ELIGIBILITY NURSING HOME ACCOUNTS OCC PREPAID ACCESS PROGRAMS GUIDANCE (NATIONAL BANKS) PASSING DEPOSIT INSURANCE ASSESSMENT FEES ON TO CUSTOMERS PAYROLL CARD ACCOUNTS - REGULATION E PAYROLL CARD SYSTEMS PLEDGING OF BANK ASSETS TO SECURE DEPOSITS PREPAID ACCOUNT RULE PREPAID FDIC ASSESSMENTS PROCESSING CHECKS FROM FOREIGN COUNTRIES PROHIBITION ON FUNDING OF UNLAWFUL INTERNET GAMBLING “QUALIFIED TUITION PROGRAMS” UNDER § 529: DEPOSIT INSURANCE RULES REAL ESTATE BROKER TRUST ACCOUNTS REGULATION CC: AMENDMENTS REALLOCATE RISKS OF REMOTE DEPOSIT REGULATION CC: DIRECT RETURN AND DIRECT NOTIFICATION OF UNPAID CHECKS REGULATION CC: DISCLOSURE STATEMENT MUST DESCRIBE BANK’S ACTUAL PRACTICES REGULATION CC: ELECTRONIC CHECK COLLECTION REGULATION CC: EXPEDITED FUNDS AVAILABILITY REGULATION CC: PRESUMPTIONS AND DISPUTES ABOUT ALTERATIONS AND FORGED SIGNATURES REGULATION DD: TRUTH IN SAVINGS REGULATION D: RETAIL SWEEP PROGRAMS REGULATION E: ELECTRONIC FUND TRANSFERS REGULATION E: ELECTRONIC RE-PRESENTMENT OF CHECKS REGULATION E: ELECTRONIC TERMINAL RECEIPTS REGULATION E: POINT-OF-SALE ELECTRONIC CHECK CONVERSION RELEASE OF FUNDS ON DEPOSIT UPON DEATH OF CUSTOMER REMITTANCE TRANSFER RULE REMOTE DEPOSIT CAPTURE - EXPOSURE TO RISK REMOTE DEPOSIT CAPTURE – RISK MANAGEMENT RETAIL FOREIGN EXCHANGE TRANSACTIONS SPECIAL DEPOSITS - NEBRASKA UNIFORM SPECIAL DEPOSITS ACT STATE WARRANTS: LAWS REGARDING CASHING WARRANTS “TRAGEDY” ACCOUNTS UCC ARTICLES 3 AND 4 DIFFERENCE BETWEEN A "CERTIFIED CHECK," "CASHIER'S CHECK" AND "TELLER'S CHECK" UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: ALTERED CHECKS UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: BLANK INDORSEMENTS, EFFECT OF MISSING SIGNATURE UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: CHECK COLLECTION WARRANTY ISSUES UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: CHECK KITING UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: COLLECTION ISSUES-INTRODUCTION TO CHECK FRAUD ISSUES UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: COMPLIANCE WITH RESTRICTIVE INDORSEMENTS UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: CONTRADICTORY TERMS, UNDATED OR INCOMPLETE CHECKS UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: DEATH, INCOMPETENCY OR INSOLVENCY OF DRAWER UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: FORGED OR UNAUTHORIZED DRAWER SIGNATURES - BANK AND CUSTOMER DUTIES UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: FORGED OR UNAUTHORIZED INDORSEMENTS UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: HOLDING CHECKS FOR COLLECTION ISSUES UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: INDORSEMENTS REQUIRED ON MULTIPLE PAYEE CHECKS UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: LOST, STOLEN OR DESTROYED CASHIER'S CHECKS, TELLER'S CHECKS, OR CERTIFIED CHECKS UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: MISSING OR IMPROPER DRAWER SIGNATURES UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: OVERDRAFTS/INSUFFICIENT FUNDS UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: PAYMENT OF POST-DATED CHECKS UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: SAMPLE AFFIDAVIT OF CHECK ALTERATION UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: SAMPLE AFFIDAVIT OF FORGED INDORSEMENT ON A CHECK OR OTHER INSTRUMENT UCC ARTICLES 3 & 4 - NEGOTIABLE INSTRUMENTS - SAMPLE AFFIDAVIT OF FORGERY OR UNAUTHORIZED SIGNATURE ON A CHECK, DRAFT OR OTHER INSTRUMENT UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: STALE DATED CHECKS UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: STOP PAYMENT ORDERS & ACCOUNT CLOSURE ORDERS UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: TELEMARKETING AND AUTHORIZED DRAFTS UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: THE MIDNIGHT DEADLINE RULE AND ITS EXCEPTIONS UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: TYPES OF INDORSEMENTS UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: "VOID" LEGENDS ON CHECKS UCC ARTICLES 3 AND 4 NEGOTIABLE INSTRUMENTS: WRONGFUL DISHONOR UCC ARTICLES 3 AND 4: REGULATIONS J AND CC: "REMOTELY CREATED CHECKS" AND WARRANTY RULE U.S. TREASURY CHECKS “WORTHLESS INSTRUMENTS”: CERTIFIED MONEY ORDERS, CERTIFIED BANKERS CHECKS, COMPTROLLER WARRANTS