Funds Availability Summary

Our general policy is to allow you to withdraw funds deposited in your account by the second Business Day after the day of deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your availability to withdraw funds beyond the second Business Day. Then, the funds will generally be available by the fifth Business Day after the day of the deposit.
Up to $225 of the aggregate deposit by check or checks to your account(s) on any one banking day will be made available for withdrawal the same day if your deposit is made in person to one of our employees; otherwise, this amount will be made available next Business Day.

Funds Availability Schedule - Effective September 15, 2021
Description of Deposit
Deposited in Person Otherwise
Cash Same Day Next Business Day
On-Us checks Next Business Day Next Business Day
Treasury checks Next Business Day Next Business Day
U.S. Postal Service money order, Federal Reserve Bank check or Federal Home Loan Bank check Next Business Day 2nd Business Day
State or local government check,
Cashier’s, certified or teller check²
Next Business Day upon request³; otherwise, 2nd Business Day 2nd Business Day
Other checks 2nd Business Day 2nd Business Day


¹ Refer to our Funds Availability Policy Disclosure document for detailed information.

² Cashier’s, certified or teller checks are checks that have been guaranteed by the financial institution upon which they are drawn. 

³ To receive next Business Day availability for a Cashier’s check, Certified check, Teller check or a State/Local government check, the check must be payable to you, must be deposited into an account in your name and you must instruct our employee to prepare a Special Deposit Slip when processing your deposit.

Determining the Availability of Your Deposit
The term “Business Day” means any day other than a Saturday, Sunday or federally declared legal holiday. In order to establish that a deposit is made on a particular Business Day, we establish a cut-off time. You must make your deposit before the cut-off time in order for it to be considered to have been made on that Business Day. Information regarding our cut-off times is provided in our Funds Availability Policy Disclosure.
An exception hold may be placed on checks deposited to your account under certain circumstances, specifically:
  • If we believe the check that you deposited will not be paid
  • If you deposit a check(s) totaling more than $5,525 on any one day
  • If you redeposit a check that has previously been returned unpaid
  • If you have overdrawn your account repeatedly in the last six months
  • If an emergency condition arises that would not enable us to make the funds available to you, such as the failure of computer or communications equipment
We will notify you if we delay the availability of deposited funds for any of these reasons and will tell you when the funds will be available. Funds will generally be available no later than the fifth Business Day after the day of your deposit.

Special Rules for New Customers
If you are a new customer, special rules apply during the first 30 days your account is open. Details of our new customer rules are provided in the Funds Availability Policy Disclosure that was provided to you at account opening.