Common use of Negative Information Notice Clause in Contracts

Negative Information Notice. We may report information about your loan, share or deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report. FUNDS AVAILABILITY POLICY DISCLOSURE This Disclosure describes your ability to withdraw funds from all your accounts at the Credit Union except for funds deposited to certificate accounts. The Credit Union reserves the right to delay the availability of funds deposited to certificate accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy. General Policy. Our policy is to make funds from your cash and check deposits available to you on the same business day that we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. 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 4:00 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 our cutoff hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Reservation of Right to Hold. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day that we receive your deposit. Funds may not be available until the second business day after the day of your deposit. However, the first $200.00 of your deposit will be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the same 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 next business 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.

Negative Information Notice. We may report information about your loan, share or deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report. FUNDS AVAILABILITY POLICY DISCLOSURE This Disclosure describes your ability to withdraw funds from all your accounts at the Credit Union except for funds deposited to certificate accounts. The Credit Union reserves the right to delay the availability of funds deposited to certificate accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy. General Policy. Our policy is to make delay the availability of funds from your cash check and check deposits available to you on deposits. During the same business day that we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are availabledelay, you can may not withdraw the funds in cash and we will not use the funds to pay checks that you have written. For determining Determining the Availability of a Deposit. When we delay the availability of a deposit the length of the delay is determined by counting the business days from the day of your deposits, every deposit. Every day is a business day, day except Saturdays, Sundays, Sundays and federal holidays. If you make a deposit before 4:00 4:30 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 our cutoff hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Reservation of Right to Hold. In some cases, we will not make all The length of the delay varies depending on the type of deposit and is explained below. Same-Day Availability. Funds from electronic direct deposits to your account as well as funds from the following deposits will be available on the same business day that you deposit by check available we receive the deposit: ❖ U.S. Treasury checks that are payable to you ❖ Wire transfers ❖ Checks drawn on the Credit Union Same-Day Availability for Certain Deposits made in Person. Funds from the following deposits are available on the same business day that we receive your deposit. Funds may , if you make the deposit in person to one of our employees: ❖ Cash ❖ State and local government checks that are payable to you ❖ Cashier’s, certified, and teller’s checks that are payable to you, if you use a special deposit slip available from each teller location ❖ 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 until by the second business day after the day of your deposit. However, the first $200.00 of your deposit will be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the same 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 next business 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.

Negative Information Notice. We may report information about your loan, share or deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report. FUNDS AVAILABILITY POLICY DISCLOSURE This Disclosure describes your ability to withdraw funds from all your accounts at the Credit Union except for funds deposited to certificate accounts. The Credit Union reserves the right to delay the availability of funds deposited to certificate accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy. General Policy. Our policy is to make delay the availability of funds from your cash check and check deposits available to you on deposits. During the same business day that we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are availabledelay, you can may not withdraw the funds in cash and we will not use the funds to pay checks that you have written. For determining Determining the Availability of a Deposit. When we delay the availability of a deposit the length of the delay is determined by counting the business days from the day of your deposits, every deposit. Every day is a business day, day except Saturdays, Sundays, Sundays and federal holidays. If you make a deposit before 4:00 4:30 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 our cutoff hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Reservation of Right to Hold. In some cases, we will not make all The length of the delay varies depending on the type of deposit and is explained below. Same-Day Availability. Funds from electronic direct deposits to your account as well as funds from the following deposits will be available on the same business day that you deposit by check available we receive the deposit:  U.S. Treasury checks that are payable to you  Wire transfers  Checks drawn on the Credit Union Same-Day Availability for Certain Deposits made in Person. Funds from the following deposits are available on the same business day that we receive your deposit. Funds may , if you make the deposit in person to one of our employees:  Cash  State and local government checks that are payable to you  Cashier’s, certified, and teller’s checks that are payable to you, if you use a special deposit slip available from each teller location  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 until by the second business day after the day of your deposit. However, the first $200.00 of your deposit will be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the same 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 next business 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.

Negative Information Notice. We may report information about your loan, share or deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report. FUNDS AVAILABILITY POLICY DISCLOSURE This Disclosure describes your ability to withdraw funds from all your accounts at the Credit Union except for funds deposited to certificate accounts. The Credit Union reserves the right to delay the availability of funds deposited to certificate accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy. General Policy. Our policy is to make funds from your cash and check deposits available to you on the same business day that we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. 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 4:00 p.m. 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 our cutoff hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Reservation of Right to Hold. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day that we receive your deposit. Funds may not be available until the second business day after the day of your deposit. However, the first $200.00 of your deposit will be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the same 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 next business 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.

Negative Information Notice. We may report information about your loan, share or deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit reportreport or ChexSystems. FUNDS AVAILABILITY POLICY DISCLOSURE This Disclosure describes your ability to withdraw funds from all your accounts at the Credit Union except for funds deposited to certificate accounts. The Credit Union reserves the right to delay the availability of funds deposited to certificate accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy. General Policy. Our policy is to make delay the availability of funds from your cash check and check deposits available to you on deposits. During the same business day that we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are availabledelay, you can may not withdraw the funds in cash and we will not use the funds to pay checks that you have written. For determining Determining the Availability of a Deposit. When we delay the availability of a deposit the length of the delay is determined by counting the business days from the day of your deposits, every deposit. Every day is a business day, day except Saturdays, Sundays, Sundays and federal holidays. If you make a deposit before 4:00 5:00 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 our cutoff hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Reservation of Right to Hold. In some cases, we will not make all The length of the delay varies depending on the type of deposit and is explained below. Same-Day Availability. Funds from electronic direct deposits to your account as well as funds from the following deposits will be available on the same business day that you deposit by check available we receive the deposit: ❖ U.S. Treasury checks that are payable to you ❖ Wire transfers ❖ Checks drawn on the Credit Union Same-Day Availability for Certain Deposits made in Person. Funds from the following deposits are available on the same business day that we receive your deposit. Funds may , if you make the deposit in person to one of our employees: ❖ 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 until by the second business day after the day of your deposit. However, the first $200.00 of your deposit will be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the same 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 next business 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.