Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your deposit. The length of delay varies depending on the type and manner of deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policy, every day is a business day, except Saturdays, Sundays, and federal holidays. All times provided below are Pacific Time. If you make a deposit directly to a teller on a business day while we are open for business (generally 6:30 a.m.-6:30 p.m.), that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will be the day of your deposit. If you make a deposit at a BECU-owned ATM (displaying our “BECU” logo) or to a teller at a shared branch location before 3 p.m. on a business day, that day will be the day of your deposit. If you make your deposit after 3 p.m. or on a day that is not a business day, the next business day will be the day of your deposit. If you make a deposit at a drop box, a non-BECU-owned ATM, or by mailing it to us through the United States Postal Service (USPS), the day of the deposit will be the business day we process your deposit in our processing center. If you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or your deposit. Any deposited check, cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such deposits will be made available to you.
Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your deposit. If you make a deposit on a business day, we are open, we will consider that day to be the day of your deposit. However, if you make a deposit on a Saturday or on a day, we are not open, we will consider that the deposit was made on the next business day we are open. ATM deposits made after 3:00 PM or on a non- business day will be considered as deposited on the next business day. The length of the delay varies depending on the type of deposit and is explained below.
Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your deposit. Every day is a business day except Saturdays, Sundays, and Federal holidays. If you make a deposit before 5:00 PM on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 5:00 PM or on a non- business day, we will consider that the deposit was made on the next business day we are open. If you make a deposit on a business day through a NewBank ATM no later than 3:00 PM, we will consider that day to be the day of your deposit. However, if you make a deposit after this stated time, or on a weekend, a Federal holiday, a state holiday, or the day we are closed, we will consider that the deposit was made on the next business day. The length of the delay varies depending on the type of deposit and is explained below.
Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your deposit. Every day is a business day except Saturdays, Sundays, and federal holidays. If you make a deposit on a business day to one of our employees while we are open, we will consider that day to be the day of your deposit. If you make a deposit on a day that is not a business day while we are open (for example, Saturday), we will consider that the deposit was made on the next business day we are open. If you make a deposit after closing or on a day while we are not open, we will consider that the deposit was made on the next business day we are open. If you make a deposit to a “proprietary ATM” (an ATM owned by the Bank that accepts deposits and located at a Bank branch) before 12:00 p.m., on a business day while we are open we will consider that day to be the day of your deposit. If you make a deposit to a “proprietary ATM” after 12:00 p.m., or while we are not open we will consider that the deposit was made on the next business day we are open. The length of the delay varies depending on the type of deposit and is explained below.
Determining the Availability of a Deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open. LONGER DELAYS MAY APPLY In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However the first $225 of your deposits will be available on the first business day after the day of deposit. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,525 on any one 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 seventh business day after the day of your deposit.
Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your deposit. Every day is a business day except Saturday, Sunday and federal holidays. Generally, if you make a deposit at a branch during normal business hours that we are open, we will consider that day to be the day of your deposit (Branches business hours may vary depending on location. Please contact the specific branch for its business hours.) Deposits made through our ATMs must be done so before 2:00 p.m. Monday through Friday, on a business day that we are open to be considered that day to be the day of your deposit. However, if you make a deposit after these times, or on a day we are not open, we will consider that the deposit was made on the next business day we are open. The length of the delay varies depending on the type of deposit as explained below. Next Day Availability Funds from the following deposits (deposited in person to a Proponent employee and into payee’s account) are available the 1st business day after the day of deposit: > U.S. Treasury checks that are payable to you. > Automated Clearinghouse (ACH) and Wire transfers, including preauthorized credits, such as Social Security benefits and electronic payroll payments (ACH is available same day under NACHA rules). > Checks drawn on Proponent > Federal, state and local government checks that are payable to you. > Cashiers’, certified, and tellers’ checks that are payable to you. > Federal Reserve Bank checks, Federal Home Loan Bank checks, and U.S. Postal Service Money Orders, if these items are payable to you. Please note the emphasis on U.S. Postal Service Money Order as these are the only money orders that are considered Next Day items. If the money order is not a U.S. Postal Service Money Order, then the funds will be available the second business day after the day of your deposit. Longer Delays May Apply In some cases, we will not make all of the funds you deposit available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $225 of the aggregate deposits, however, will be available on the first business day. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to...
Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of my deposit. Every day is a business day except Saturdays, Sundays, and federal holidays. If I make a deposit before 3:00 p.m. on a business day that you are open, you will consider that day to be the day of my deposit. However, if I make a deposit after 3:00 p.m. or on a day you are not open, you will consider that the deposit was made on the next business day you are open. DEPOSITS MADE AT THE CREDIT UNION SAME–DAY AVAILABILITY Funds from the following deposits are available on the business day of my deposit:
Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your deposit. Every day is a business day except Saturdays, Sundays, and federal holidays If you make a deposit before 3:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 3:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. The length of any longer delays that may apply varies depending on the circumstances explained below. SAME DAY AVAILABILITY Funds from electronic direct deposits to your account will be available on the day we receive the deposit.
Determining the Availability of a Deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit in person to one of our employees or at an ATM before 3:30 p.m. ET on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 3:30 p.m. ET or on a day we are not open, we will consider that the deposit was made on the next business day we are open. If you mail a deposit, we will consider that the deposit was made on the next business day after the business day on which we received the deposit. SAME-DAY AVAILABILITY Funds from the following deposits are available on the same business day we receive the deposit: Funds from electronic direct deposits to your account. Cash.
Determining the Availability of a Deposit. The length of delay is counted in business days from the day of your deposit. Every day except Saturday, Sunday and a federal holiday is a business day. If you make a deposit on a Saturday or a day, we are not open, we will consider the deposit made on the next business day we are open. Same Day Availability Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Next Day Availability Funds from the following deposits are available on the first business day after the day of your deposit: U.S. Treasury Checks. Wire Transfers. Checks drawn on us. If you make the deposit in person to one of our employees, funds from the following are also available on the first business day after the day of your deposit: Cash. State and local government checks that are payable to you. Cashier’s, certified, and xxxxxx’s checks that are payable to you. Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second business day after the day of your deposit.
