Deposits at Automated Teller Machines. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we own or operate will be available on the second business day after the day of deposit, except that U.S. Treasury checks that are payable to you will be available on the first business day after the day of deposit. Also, the first $225 of a deposit will be available on the first business day after the day of deposit. Checks drawn on Frontwave Credit Union will be available on the first business day after the day of deposit if the deposit is made at an ATM located on our premises. Funds from any deposits (cash or checks) made at ATMs we do not own or operate will not be available until the fifth business day after the day of your deposit. This rule does not apply at ATMs that we own or operate. The requirement to make the first $225 of daily deposits available on the business day following the day of deposit does not apply to deposits made at ATMs we do not own or operate. ATMs that we own or operate are identified as our machines. • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,525 on anyone day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months. • There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit.
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Sources: Account Disclosures & Agreement, Account Disclosures & Agreement, Account Disclosures & Agreement
Deposits at Automated Teller Machines. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we own or operate will be available on the second business day after the day of deposit, except that U.S. Treasury checks that are payable to you will be available on the first next business day after the day of deposit. Also, the first $225 200 of a deposit will be available on the first next business day after the day of deposit. Checks drawn on Frontwave Credit Union will be available on the first next business day after the day of deposit if the deposit is made at an ATM located on our premises. Funds from any deposits LONGER DELAYS MAY APPLY – In some cases, we will not make all of the funds that you deposit by check available to you immediately. Depending on the type of check that you deposit (cash or checks) made at ATMs we do not own or operate will on case-by-case basis), funds may not be available until the fifth business day after the day of your deposit. This rule does not apply at ATMs that we own or operate. The requirement to make However, the first $225 of daily deposits available on the business day following the day of deposit does not apply to deposits made at ATMs we do not own or operate. ATMs that we own or operate are identified as our machines. • We believe a check SAFEGUARD EXCEPTIONS – Funds you deposit by check may be delayed for a longer period if we believe the check will not be paid. • You deposit checks totaling more than $5,525 5,000 on anyone any one day. • You redeposit deposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months. • There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit.
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