General rules. The following rules apply to your account: We may refuse to issue a stop payment on a cheque we have issued or require you to compensate us for the amount of the cheque. The cheques we have issued at your request are not subject to a request for a stop payment from you for a period of 90 days from the date the cheque was issued. A request to stop paying a cheque that we have issued can only be made by the recipient (s) of the cheque (s) or by the person in whose name the cheque was issued. Checks issued by our services from a joint account are not subject to a request for a stop payment from an owner to the account that is not the beneficiary or party who requested the issuance of the cheque. If you request a stop payment for a pre-authorized transfer, this stop payment will be processed in accordance with the provisions of our Electronic Funds Transfer Part II (EE) transfer agreement, which has been amended from time to time. State Farm Bank® deposit accounts are insured FDIC. General agreement. The terms “you” and “you” refer to the applicant (whether in common or individually) and the terms “we,” “we” and “our” refer to the State Farm Bank. You agree that at least one account holder for each open account is at least 18 years of age or older. You understand that the following agreement regulates your account with us, as well as all other documents applicable to your account, including our fund availability policy, the electronic transfer agreement and account opening that are included as a reference. You understand that your account is also subject to applicable law.