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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.
The Credit Union affords same-day availability for cash deposits and electronic fund transfers.
The Credit Union affords
next business day
availability for the following funds deposited
at teller stations. To qualify for next-day availability, members must deposit funds during Credit Union business hours.
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.
i.e., Cashier’s checks, certified checks, and teller checks.
Funds deposited by mail will be available within 2 business days following the banking day of deposit.
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.