Unless otherwise agreed, the change of address or name must be made in writing by at least one of the account holders. Adding your address or name on a cheque post-order form is not enough. We will try to communicate with you only using the last address you provided to us. If we cash a cheque for you that is used with another bank, we may withhold the availability of a corresponding amount of funds already available in your account. These funds are available when the funds in the cheque we cashed would have been available if you had deposited them. .