I/ We agree that if I/we make deposits to my/our account(s) with items other than cash (checks, drafts or other items) and the Credit Union makes funds available to me/us from such deposits prior to collection, I/we agree that the Credit Union may deduct the amounts of such funds from my/our account(s) which are not collected or, if the funds in my/our account(s) are insufficient at such time, I/w