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FUNDS AVAILABILITY POLICY 

Our general policy is to allow you to withdraw funds deposited into your account on the same business day of your deposit. In some cases, we may delay same day withdrawal of funds. If this is the case, the funds will generally be available by the 2nd business day after the day of deposit. Also, under certain conditions, longer delays may apply. However, if your funds are delayed, we will notify you either at the time of deposit or a notice will be mailed the next business day to the address we have on file for you.


TYPE OF DEPOSIT 
AVAILABILITY
Cash 
Next Business Day 
Deposits for $200 or less, US Treasury,
State/LocalGovernment checks 
Next Business Day
Credit Union, Cashier’s, Certified,
Teller’s check, Money Orders
Next Business Day
Electronic payments
No Later Than Next Business Day From Day of Receipt 
Local Checks
2nd Business Day


Exceptions to this schedule may be applied to:

1) New accounts less than 30 days old;
2) Re-deposited checks returned unpaid;
3) Frequent non-sufficient funds transactions during the last 6 months;
4) Checks deposited totaling more than $5000 on any one day;
5) Reasonable cause to doubt collectibility of a check;
6) An emergency, such as failure of communications or computer equipment, has occurred. 

Reg CC 06/28/2012


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