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Each of you also agrees to be jointly and severally (individually) liable for any account shortage resulting from charges or overdrafts, whether caused by you or another with access to this account.
This liability is due immediately, and can be deducted directly from the account balance whenever sufficient funds are available.
If this account is owned by a corporation, partnership or other organization, individual liability is determined by the laws generally applicable to that type of organization.
The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions.
LIABILITY - You agree, for yourself (and the person or entity you represent if you sign as a representative of another) to the terms of this account and the schedule of charges.
If your bank did not act in good faith, an attorney may determine what remedies are available to you.