It is our policy to make members’ funds available upon the same day of deposit in most cases, or at least $100 with additional funds available the next business day by 9 AM.  Funds in this category include cash, local checks, electronic payments, government checks (Treasury checks, U.S. Postal money orders, Federal Reserve Bank/Federal Home Loan Bank checks, state/local government checks), cashier’s checks, teller’s checks, certified checks, “on-us” checks. Non local checks (payable by/at/through a different Federal Reserve District than the depository credit union) may be delayed until the fifth business day following deposit. 

Funds are considered deposited when received by a teller when physically presented for deposit and when received in cases where mailed to the credit union.

Funds may be delayed under circumstances as applicable on a case-by-case basis and we may hold or restrict these funds subject to limits established in Regulation CC, Expedited Funds Availability Act (12 CFR 229). 

Funds availability may be affected by the following circumstances:

• New accounts (first 90 days);
• Emergency conditions beyond our control;
• Large deposits (over $5,000);
• Redeposited checks;
• Reasonable cause to doubt collectibility.

This credit union will notify any member subject to a delay in the ability to withdraw funds for any reason and will be advised as to when the funds will be available.