RETURNED CHECK DISCLAIMER: When you make a payment by check, you authorize us to use information from your check to make a one-time electronic fund transfer from your checking account according to the terms of your check or to process that transaction as a check. When we use your check to make an electronic fund transfer, funds may be withdrawn from your checking account the same day we receive your payment, and you will not receive your check back from your financial institution. If there are insufficient funds in your checking account, you authorize us to charge a Returned Payment Fee as applicable in the amount set forth by law and collect that amount through an electronic fund transfer from your checking account, if permitted by applicable law. If another payment method is returned unpaid, by your bank, we may, if permitted by applicable law, charge a Returned Payment Fee. Each returned item received by Epiphany Insurance Agency, Inc due to insufficient funds could be electronically represented to the presenters’ bank no more than two times in an effort to obtain payment. Epiphany Insurance Agency, Inc is not responsible for any additional bank fees that will accrue due to the resubmission of the returned item.