Change in Terms to Your Ability to Withdraw Funds

Case by Case Delays
In some cases, we will not make all the funds you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $225.00 of your deposits, however, may be available on the first business day.

If we are not going to make all the funds from your deposit available on the first business day after the day of your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will notify you after we receive your deposit.

If you need the funds from a deposit right away, you should ask us when the funds will be made available.

Safeguard Exceptions
In addition, funds you deposit by check may be delayed for a longer period under the following circumstances::
We believe the check you deposit will not be paid
You deposit checks totaling more than $5,525 on any one day
You redeposit a check that has been returned unpaid
You have overdrawn your account repeatedly in the last six months
There is an emergency, such as failure of computer or communications equipment

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the the funds will be available. They will generally be available no later than the seventeenth business day after the day of your deposit.