Your Ability to Withdraw Funds from this Credit Union

Our general policy is to allow you to withdraw funds deposited in your account on the (same business day or first business day after the day) we receive your deposit. Funds from electronic deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the (same or first) business day. Then, the funds will generally be available by the second business day after the day of deposit.

Our daily maximum cash-out limit is $1,000.00 unless prior arrangements have been made through the credit union branch manager.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you cash or deposit that are returned to us unpaid and for any other problems involving your deposit.

Items listed below may not receive immediate availability. Funds from these items will be available when we are given credit by the Federal Reserve. Ask the teller for the hold period at the time of deposit of any of these items.

• Foreign items (checks only)**
• Deposits to accounts opened less than 30 days
• Checks totaling over $5,000.00 in any one day
• Re-deposited checks that have been returned unpaid
• Repeated overdrafts (over-drafted 6 days in any 6 months)
• Two party checks (properly endorsed with “pay to the order of” and signed by both parties) will have a 2 business day hold
• Checks whose ability to be collected is doubted
• There is an emergency, such as failure of communications or computer equipment

If you have any questions, be sure to ask the teller at time of deposit.

**Please note that we do not accept foreign coin or currency. A processing fee will be applied to each foreign check at the time the funds are deposited.