To be eligible for the service of next day transfer, your Tower account must meet the following conditions:

• You must be in good standing with Tower.
• For an inbound transaction, your Tower account must have a minimum available balance of $750 (not including the amount of the transfer).
• For an outbound transaction, your Tower account must have a minimum available balance of $750 (not including the amount of the transfer or any other pending transfers).
• To be eligible for the next day service to/from Tower, the external account that you are using to transfer money is required to be used to make a successful standard inbound transfer of $500 to your Tower account at least sixty days prior to the date of a next day request from that external account.
• You must not have any Non-Sufficient Funds (NSF) experience in the previous six months from the registration date of the Funds Transfer service with Tower.
• You must not have had any negative experience with Funds Transfer. Negative experience includes: without limitation, NSF, Account Closed (debit only), Authorization Revoked by Customer, Payment Stopped, Customer Advises not Authorized, Account Holder Deceased, Beneficiary Deceased or Account Frozen.