Quick warning: NEVER authorize Direct Deposit from First Union.
If you read their authorization form carefully, you will find that it not only authorizes First Union to transfer funds INTO your account, but also to WITHDRAW funds. There is at least one case of First Union illegally withdrawing funds from a depositor's account (Knisley v. First Union, you can find the details at www.stopfirstunion.com), and if you sign a Direct Deposit authorization form, you could be putting your checking account in jeopardy.
Always read the fine print carefully. If you have a Direct Deposit authorization at First Union, call your branch manager and rescind it immediately.
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