Funds Availability Policy

Funds Availability Policy

Effective July 21, 2011

Our general policy is to allow you to withdraw funds deposited in your account on the same business day we receive your deposit. In some cases, we may delay your ability to withdraw funds in accordance with Federal Reserve Regulation CC.

To determine the availability of your deposit, we consider every day to be a business day with exception of Saturdays, Sundays and federal holidays. If you make a deposit on a business day before the close of business, the first day of a hold will be the next business day.

In some cases, we will not make all of the funds that you deposited by check available immediately. The hold we place is dependent on the amount of the deposited checks or if an exception case is deemed necessary. In most cases, the first $200.00 will be made available immediately.

Type/Description of Deposit	First $200.00 Available	Remainder of Funds Available
Cash, Direct Deposit, Wire Transfer, Cashier's Check, Teller's Check, Secure First CU Check, Certified Check, Government Check	Immediately	Immediately
Local Check	Business day after the day of deposit	2" business day after the day of deposit
New Account (1)	Business day after the day of deposit	9' business day after the day of deposit
Large Deposit (over $5000.00)	Business day after the day of deposit	7th business day after the day of deposit
Redeposited Item (2)	Business day after the day of deposit	11^th business day after the day of deposit
Repeated NSFs	Business day after the day of deposit	11' business day after the day of deposit
Reasonable Cause	Business day after the day of deposit	11' business day after the day of deposit

(1) Accounts opened within the prior 30 days

(2) Same-day deposits (consisting of single or multiple checks) of $5000 or more individually or in aggregate