Determining When a Deposit is Received. For determining the availability of deposits, every day is a business day except Saturdays, Sundays, and federal holidays. If FSB receives your deposit before the applicable cutoff time on a business day that FSB is open, FSB will consider that day to be the day of your deposit. However, if you make a deposit after the applicable cutoff time or on a day that is not a business day or that FSB is open, FSB will consider the deposit to have been made on the next business day FSB is open. FSB’s usual cutoff times are as follows: Deposit Types Cutoff Times With an FSB teller in person at FSB headquarters in San Antonio, TX 5 p.m. Central Time If FSB closes before 5 p.m. Central Time, then deposits made after closing will be considered received on the next business day FSB is open. The lobby and drive- thru may have different cut-off times at this location. Interactive Teller Machine – Video Teller Mode 5 p.m. Central Time, unless a different time is posted Interactive Teller Machine – ATM Mode 7 p.m. Central Time, unless a different time is posted or displayed on the screen At a USAA ATM 7 p.m. Central Time, unless a different time is posted on the ATM or displayed on the ATM screen By Mail The business day FSB receives the deposit in its San Antonio, Texas office USAA Deposit Box The business day FSB receives the deposit in its San Antonio, TX, office, unless a different time is posted at the Deposit Box USAA online and mobile banking transfers from FSB accounts 9 p.m. Central Time USAA telephone transfers from FSB accounts 9 p.m. Central Time USAA Deposit@Mobile and other USAA remote check deposit services 9 p.m. Central Time Employees in USAA Financial Centers (other than FSB’s headquarters in San Antonio, TX) do not accept deposits in person. If you wish to make a deposit in a USAA Financial Center, you may do so through the ATM located in the USAA Financial Center or through any self-service remote deposit capture facilities located in the USAA Financial Center. Such deposits will be processed as ATM deposits or remote check deposits, respectively.
Determining When a Deposit is Received. If you make a deposit with an associate at a branch (a Branch Deposit), we will consider that day to be the day of your deposit. If you make a deposit on a business day before our cutoff time at a Landmark AATM or ATM, we will consider that day to be the day of your deposit. However, if you make a deposit on a day that is not a business day or make an AATM or ATM deposit after the cutoff time, we will consider the deposit to have been made on the next business day for purposes of funds availability. For example, if you make a deposit at an AATM or ATM at 9:00 p.m. on a Friday, the deposit will be considered received on the following Monday. • For determining the availability of your deposits, every day is a business day, except Saturday, Sunday, and observed holidays. • For deposits and transfers at Landmark AATMs and ATMs, the cutoff time is 7:30 p.m. local time. In some cases, the cutoff time may be delayed at Xxxxxxxx’s discretion. During the delay, your deposit will be treated as if it was received before 7:30 p.m. Please note, the date printed on your AATM or ATM deposit receipt will reflect the calendar day you made your deposit, which may not be the same as the day we consider it received for purposes of funds availability as outlined in this Policy. • Deposits placed in a night depository are considered received the day we remove them from the night depository; we will remove deposits no later than the next business day. • Branches in some locations may be closed on business days because of an emergency, and deposits made at a night depository when those branches are closed will be considered received on the next business day when the branch is open. • Mail deposits are considered deposited when received by Landmark. • We will not accept cash deposits by mail. 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 amount and circumstances of your deposit, funds may not be available until the fifth business day after the day of your deposit; however, the first $225 of your deposits may be available on the first business day after 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 de...
Determining When a Deposit is Received. For determining the availability of deposits, every day is a business day except Saturdays, Sundays, and federal holidays. Deposits in Person at an FSB Office, but not USAA Financial Centers. If you make a deposit in person to a FSB employee in FSB’s headquarters office in San Antonio, Texas before 5 p.m. Central Time on a business day that FSB is open, FSB will consider that day to be the day of your deposit. The lobby and drive-thru may have different cut-off times at this location. However, if you make a deposit after that hour or on a day that is not a business day or that FSB is not open, FSB will consider the deposit to have been made on the next business day. If FSB closes before 5 p.m. Central Time, then deposits made after closing will be considered received on the next business day.
