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Funds Availability Policy
The Credit Union offers same day or next day availability for most funds deposited with the Credit Union.
SAME-DAY AVAILABILITY.
The Credit Union affords same-day availability for cash deposits and electronic fund transfers.
NEXT-DAY AVAILABILITY.
The Credit Union affords
next business day
availability for the following funds deposited
in person
at teller stations. To qualify for next-day availability, members must deposit funds during Credit Union business hours.
Government Checks;
for example, U.S. Treasury checks, U.S. Postal Service money orders, checks drawn by the State or an agency of the State or a branch of local government deposited in an account held by the payee of the check.
Depository Checks;
i.e., Cashier’s checks, certified checks, and teller checks.
TWO-DAY AVAILABILITY.
Funds deposited by mail will be available within 2 business days following the banking day of deposit.
CASE-BY-CASE HOLDS.
The Credit Union will place a hold on deposits where a forgery or fraud is suspected.
SPECIFIC EXCEPTION HOLDS.
The Credit Union may place a specific exception hold where the transaction involves reasonable belief that the check is uncollectible; repeated overdrafts; new accounts; large deposits; re-deposited items; and emergency conditions.