Common use of Longer Delays May Apply Clause in Contracts

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit via Digital Deposits available to you on the first Business Day after the day of your deposit. Depending on the type of check that you deposit via Digital Deposits, funds may not be available until the second Business Day after the day of your deposit. The first $200 of your Digital Deposits, however, will be available on the first Business Day. If we are not going to make all of the funds from your Digital Deposits 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. 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 $5,000 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 The availability of Funds you deposit via Digital Deposits may also be delayed for a variety of additional reasons as determined in Bank's sole discretion, including, but not limited to: • We believe a check you deposit via Digital Deposits is a duplicate image • You deposit checks via Digital Deposits totaling more than any applicable daily dollar amount limit, monthly item limit or any other limitations on your Digital Deposits that Bank may impose • We exercise our rights to investigate any unusual or suspicious Digital Deposits items as determined in Bank's sole discretion We will generally notify you if we delay your ability to withdraw funds for any of these or other reasons, and we will attempt to tell you when such funds will be available. If you will need the funds from a deposit via Digital Deposits, you should contact us to inquire when the funds will be available.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit via Digital Deposits by check available to you on the first Business Day banking day after the day of your deposit. Depending on the type of check that you deposit via Digital Depositsdeposit, funds may not be available until the second Business Day banking day after the day of your deposit. The However the first $200 225.00 of your Digital Deposits, however, deposits will be available on the first Business Daybanking day. If we are not going to make all of the funds from your Digital Deposits deposit available on the first Business Daybanking 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 not later than the banking 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 at the time you make the deposit. 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 paid. • You deposit checks totaling more than $5,000 5,525.00 on any one day (1) day. • You redeposit a check that has been returned unpaid unpaid. • You have overdrawn your Account account repeatedly in the last six months (6) months. • There is an emergency, such as failure of computer or communications equipment The availability of Funds you deposit via Digital Deposits may also be delayed for a variety of additional reasons as determined in Bank's sole discretion, including, but not limited to: • We believe a check you deposit via Digital Deposits is a duplicate image • You deposit checks via Digital Deposits totaling more than any applicable daily dollar amount limit, monthly item limit or any other limitations on your Digital Deposits that Bank may impose • We exercise our rights to investigate any unusual or suspicious Digital Deposits items as determined in Bank's sole discretion equipment. We will generally notify you you, if we delay your ability to withdraw funds for any of these or other reasons, and we will attempt to tell you when such funds will be available. If you will need the funds from a deposit via Digital Deposits, you should contact us to inquire when the funds will be available. They will generally be available no later than the fifth banking day after the day of your deposit.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit via Digital Deposits the Mobile RDC Service available to you on the first Business Day after the day of your deposit. Depending on the type of check that you deposit via Digital Depositsdeposit, funds may not be available until the second Business Day after the day of your deposit. The first $200 of your Digital DepositsMobile RDC Service deposits, however, will be available on the first Business Day. If we are not going to make all of the funds from your Digital Deposits deposit available on the first Business Day, we will generally notify you at the time you make your deposit. We will also tell you 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 $5,000 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 The availability of Funds you deposit via Digital Deposits may also be delayed for a variety of additional reasons as determined in Bank's sole discretion, including, but not limited to: • We believe a check you deposit via Digital Deposits is a duplicate image • You deposit checks via Digital Deposits totaling more than any applicable daily dollar amount limit, monthly item limit or any other limitations on your Digital Deposits that Bank may impose • We exercise our rights to investigate any unusual or suspicious Digital Deposits items as determined in Bank's sole discretion We will generally notify you if we delay your ability to withdraw funds for any of these or other reasons, and we will attempt to tell you when such the funds will be available. If you will need the funds from a deposit via Digital Depositsthe Mobile RDC Services, you should contact us to inquire when the funds will be available.. In addition, funds you deposit via the Mobile RDC Service may be delayed for a longer period for a variety of additional reasons as determined in Credit Union’s sole discretion, including, but not limited to:  We believe a check you deposit will not be paid  We believe a check you deposit is a duplicate image  You deposit checks totaling more than any applicable per item limit, daily dollar amount limit, monthly item limit or any other limitations on your Services that Credit Union may impose  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 exercise our rights to investigate any unusual or suspicious Mobile RDC items as determined in Credit Union’s sole discretion

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit via Digital Deposits the MDC Services available to you on the first Business Day business day after the day of your deposit. Depending on the type of check that you deposit via Digital Depositsdeposit, funds may not be available until the second Business Day business day after the day of your deposit. The first $200 225 of your Digital DepositsMDC Services deposits, however, will be available on the first Business Daybusiness day. If we are not going to make all of the funds from your Digital Deposits deposit available on the first Business Daybusiness day, we will notify you at the time you make your deposit. We will also tell you 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 $5,000 the limit allowed by Bank on any one day • You redeposit a check that has been returned unpaid • You have overdrawn your Account account repeatedly in the last six months • There is an emergency, such as failure of computer or communications equipment The availability of Funds funds you deposit via Digital Deposits the MDC Services may also be delayed for a variety of additional reasons as determined in Bank's ’s sole discretiondiscretion and in accordance with the Funds Availability disclosure received at account opening, including, but not limited to: • We believe a check you deposit via Digital Deposits is a duplicate image • You deposit checks via Digital Deposits totaling more than any applicable per item limit, daily dollar amount limit, monthly item limit or any other limitations on your Digital Deposits Services that Bank may impose • We exercise our rights to investigate any unusual or suspicious Digital Deposits MDC items as determined in Bank's ’s sole discretion We will generally notify you if we delay your ability to withdraw funds for any of these or other reasons, and we will attempt to tell you when such funds will be available. If you will need the funds from a deposit via Digital Depositsthe MDC Services, you should contact us to inquire when the funds will be available.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit via Digital Deposits the MRDC Service available to you on the first Business Day business day after the day of your deposit. Depending on the type of check that you deposit via Digital Depositsdeposit, funds may not be available until the second Business Day business day after the day of your deposit. The first $200 of your Digital DepositsMRDC Service deposits, however, will be available on the first Business Daybusiness day. If we are not going to make all of the funds from your Digital Deposits deposit available on the first Business Daybusiness day, we will generally notify you at the time you make your deposit. We will also tell you 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 $5,000 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 The availability of Funds you deposit via Digital Deposits may also be delayed for a variety of additional reasons as determined in Bank's sole discretion, including, but not limited to: • We believe a check you deposit via Digital Deposits is a duplicate image • You deposit checks via Digital Deposits totaling more than any applicable daily dollar amount limit, monthly item limit or any other limitations on your Digital Deposits that Bank may impose • We exercise our rights to investigate any unusual or suspicious Digital Deposits items as determined in Bank's sole discretion We will generally notify you if we delay your ability to withdraw funds for any of these or other reasons, and we will attempt to tell you when such the funds will be available. If you will need the funds from a deposit via Digital Depositsthe MRDC Services, you should contact us to inquire when the funds will be available.. In addition, funds you deposit via the MRDC Service may be delayed for a longer period for a variety of additional reasons as determined in Bank’s sole discretion, including, but not limited to:  We believe a check you deposit will not be paid  We believe a check you deposit is a duplicate image  You deposit checks totaling more than any applicable per item limit, daily dollar amount limit, monthly item limit or any other limitations on your Services that Bank may impose  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 exercise our rights to investigate any unusual or suspicious MRDC items as determined in Bank’s sole discretion

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit via Digital Deposits the Mobile RDC Service available to you on the first Business Day business day after the day of your deposit. Depending on the type of check that you deposit via Digital Depositsdeposit, funds may not be available until the second Business Day business day after the day of your deposit. The first $200 of your Digital DepositsMobile RDC deposits, however, will be available on the first Business Daybusiness day. If we are not going to make all of the funds from your Digital Deposits deposit available on the first Business Daybusiness day, we will notify you at the time you make your deposit. We will also tell you 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 $5,000 the limit allowed by FBB on any one day •  You redeposit a check that has been returned unpaid •  You have overdrawn your Account account repeatedly in the last six months •  There is an emergency, such as failure of computer or communications equipment The availability of Funds you deposit via Digital Deposits the Mobile RDC Service may also be delayed for a variety of additional reasons as determined in Bank's FBB’s sole discretion, including, but not limited to: •  We believe a check you deposit via Digital Deposits is a duplicate image •  You deposit checks via Digital Deposits totaling more than any applicable per item limit, daily dollar amount limit, monthly item limit or any other limitations on your Digital Deposits the Services that Bank FBB may impose •  We exercise our rights to investigate any unusual or suspicious Digital Deposits Mobile RDC items as determined in Bank's FBB’s sole discretion We will generally notify you if we delay your ability to withdraw funds for any of these or other reasons, and we will attempt to tell you when such funds will be available. If you will need the funds from a deposit via Digital Depositsthe Mobile RDC Services, you should contact us to inquire when the funds will be available.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit via Digital Deposits the MDC Services available to you on the first Business Day after the day of your deposit. Depending on the type of check that you deposit via Digital Depositsdeposit, funds may not be available until the second Business Day after the day of your deposit. The first $200 of your Digital DepositsMDC Services deposits, however, will be available on the first Business Day. If we are not going to make all of the funds from your Digital Deposits 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. 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 $5,000 the limit allowed by Bank on any one day • You redeposit a check that has been returned unpaid • You have overdrawn your Account account repeatedly in the last six months • There is an emergency, such as failure of computer or communications equipment The availability of Funds funds you deposit via Digital Deposits the MDC Services may also be delayed for a variety of additional reasons as determined in Bank's ’s sole discretion, including, but not limited to: • We believe a check you deposit via Digital Deposits is a duplicate image • You deposit checks via Digital Deposits totaling more than any applicable per item limit, daily dollar amount limit, monthly item limit or any other limitations on your Digital Deposits you’re the MDC Services that Bank may impose • We exercise our rights to investigate any unusual or suspicious Digital Deposits MDC items as determined in Bank's ’s sole discretion We will generally notify you if we delay your ability to withdraw funds for any of these or other reasons, and we will attempt to tell you when such funds will be available. If you will need the funds from a deposit via Digital Depositsthe MDC Services, you should contact us to inquire when the funds will be available.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit via Digital Deposits the MDC Services available to you on the first Business Day business day after the day of your deposit. Depending on the type of check that you deposit via Digital Depositsdeposit, funds may not be available until the second Business Day business day after the day of your deposit. The first $200 of your Digital DepositsMDC Services deposits, however, will be available on the first Business Daybusiness day. If we are not going to make all of the funds from your Digital Deposits deposit available on the first Business Daybusiness day, we will notify you at the time you make your deposit. We will also tell you 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 $5,000 the limit allowed by Bank on any one day •  You redeposit a check that has been returned unpaid •  You have overdrawn your Account account repeatedly in the last six months •  There is an emergency, such as failure of computer or communications equipment The availability of Funds funds you deposit via Digital Deposits the MDC Services may also be delayed for a variety of additional reasons as determined in Bank's ’s sole discretion, including, but not limited to: •  We believe a check you deposit via Digital Deposits is a duplicate image •  You deposit checks via Digital Deposits totaling more than any applicable per item limit, daily dollar amount limit, monthly item limit or any other limitations on your Digital Deposits the Services that Bank may impose •  We exercise our rights to investigate any unusual or suspicious Digital Deposits MDC items as determined in Bank's ’s sole discretion We will generally notify you if we delay your ability to withdraw funds for any of these or other reasons, and we will attempt to tell you when such funds will be available. If you will need the funds from a deposit via Digital Depositsthe MDC Services, you should contact us to inquire when the funds will be available.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit via Digital Deposits by check available to you on the first Business Day after the same business day of your a deposit. Depending on the type of check that you deposit via Digital Depositsdeposit, funds may not be available until the second Business Day fifth business day after the day of your deposit. The first $200 of your Digital Depositsdeposits, however, will be available on the first Business Daysame business day we receive your deposit. If Generally, if we are not going to make all of the funds from your Digital Deposits deposit available on the same business day of your deposit (or the first Business Daybusiness day after the day of your deposit for checks deposited to a CashPoints ATM), 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 end of the next business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit deposited by check may be delayed for a longer period under the following circumstances: • We we believe a check you deposit will not be paid • You deposit checks totaling more than $5,000 on any one day • You you redeposit a check that has been returned unpaid • You you have overdrawn your Account account repeatedly in the last six months • There there is an emergency, such as failure of computer or communications equipment The availability of Funds you deposit via Digital Deposits may also be delayed for a variety of additional reasons as determined in Bank's sole discretion, including, but not limited to: • We believe a check you deposit via Digital Deposits is a duplicate image • You deposit checks via Digital Deposits totaling more than any applicable daily dollar amount limit, monthly item limit or any other limitations on your Digital Deposits that Bank may impose • We exercise our rights to investigate any unusual or suspicious Digital Deposits items as determined in Bank's sole discretion We will generally notify you if we delay your ability to withdraw funds for any of these or other reasons, and we will attempt to tell you when such funds will be available. If you will need the funds from a deposit via Digital Deposits, you should contact us to inquire when the funds will be available. They will generally be available no later than the fifth business day after the day of your deposit.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit via Digital Deposits the Mobile RDC Service available to you on the first Business Day after the day of your deposit. Depending on the type of check that you deposit via Digital Depositsdeposit, funds may not be available until the second Business Day after the day of your deposit. The first $200 of your Digital DepositsMobile RDC Service deposits, however, will be available on the first Business Day. If we are not going to make all of the funds from your Digital Deposits deposit available on the first Business Day, we will generally notify you at the time you make your deposit. We will also attempt to tell you when the funds will be available. If you will need the funds from a deposit via the Mobile RDC Services, you should contact us to inquire when the funds will be available. In addition, funds you deposit by check via the Mobile RDC Service may be delayed for a longer period under the following circumstancesfor a variety of additional reasons as determined in Credit Union’s sole discretion, including, but not limited to: • We believe a check you deposit will not be paid • We believe a check you deposit is a duplicate image • You deposit checks totaling more than $5,000 any applicable per item limit, daily dollar amount limit, monthly item limit or any other limitations on any one day your Services that Credit Union may impose • You redeposit a check that has been returned unpaid • You have overdrawn your Account account repeatedly in the last six months • There is an emergency, such as failure of computer or communications equipment The availability of Funds you deposit via Digital Deposits may also be delayed for a variety of additional reasons as determined in Bank's sole discretion, including, but not limited to: • We believe a check you deposit via Digital Deposits is a duplicate image • You deposit checks via Digital Deposits totaling more than any applicable daily dollar amount limit, monthly item limit or any other limitations on your Digital Deposits that Bank may impose • We exercise our rights to investigate any unusual or suspicious Digital Deposits Mobile RDC items as determined in Bank's Credit Union’s sole discretion We will generally notify you if we delay your ability to withdraw funds for any of these or other reasons, and we will attempt to tell you when such funds will be available. If you will need the funds from a deposit via Digital Deposits, you should contact us to inquire when the funds will be available.discretion

Longer Delays May Apply. In some cases, we will may not make all add the full amount of the funds that you deposit via Digital Deposits available by check to you on the Available Balance by the first Business Day business day after the day of your deposit. Depending on the type of check that you deposit via Digital Depositsdeposit, funds may not be available added to the Available Balance until the second Business Day business day after the day of your deposit. The first $200 from the aggregate of your Digital Deposits, however, all deposits made on any given day will generally be available on added to the first Business Day. If we are not going to make all of Available Balance no later than the funds from your Digital Deposits 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 availablenext business day. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances. The funds will generally be added to the Available Balance no later than the seventh business day after the day of your deposit. The circumstances are: • We believe a check you deposit will not be paid paid. • You deposit checks totaling more than $5,000 on any one day day. • You redeposit a check that has been returned unpaid unpaid. • You have overdrawn your Account account repeatedly in the last six months months. • There is an emergency, such as failure of computer or communications equipment The availability of Funds you deposit via Digital Deposits may also be delayed for a variety of additional reasons as determined in Bank's sole discretion, including, but not limited to: • We believe a check you deposit via Digital Deposits is a duplicate image • You deposit checks via Digital Deposits totaling more than any applicable daily dollar amount limit, monthly item limit used directly or any other limitations on your Digital Deposits that Bank may impose • We exercise our rights to investigate any unusual or suspicious Digital Deposits items as determined in Bank's sole discretion indirectly by the Credit Union. We will generally notify you if we delay your ability to withdraw funds for any of these or other reasons, and we will attempt to tell you when such the deposited funds will be availableadded to the Available Balance. The notice shall be provided to you at the time of the deposit, unless the deposit is not made in person to an employee of the Credit Union, or, if the facts upon which a determination to invoke one of the reasons listed above to delay funds become known to the Credit Union after the time of the deposit. If the notice is not given at the time of the deposit, the Credit Union shall mail or deliver the notice to you no later than the first business day following the day the facts become known to the Credit Union, or the deposit was made, whichever is later. If you will need the funds from a deposit via Digital Depositsright away, you should contact ask us to inquire when the funds will be availableadded to the Available Balance.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit via Digital Deposits the MDC Services available to you on the first Business Day business day after the day of your deposit. Depending on the type of check that you deposit via Digital Depositsdeposit, funds may not be available until the second Business Day business day after the day of your deposit. The first $200 225 of your Digital DepositsMDC Services deposits, however, will be available on the first Business Daybusiness day. If we are not going to make all of the funds from your Digital Deposits deposit available on the first Business Daybusiness day, we will notify you at the time you make your deposit. We will also tell you 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 $5,000 the limit allowed by Bank on any one day •  You redeposit a check that has been returned unpaid •  You have overdrawn your Account account repeatedly in the last six months •  There is an emergency, such as failure of computer or communications equipment The availability of Funds funds you deposit via Digital Deposits the MDC Services may also be delayed for a variety of additional reasons as determined in Bank's ’s sole discretiondiscretion and in accordance with the Funds Availability disclosure received at account opening, including, but not limited to: •  We believe a check you deposit via Digital Deposits is a duplicate image •  You deposit checks via Digital Deposits totaling more than any applicable per item limit, daily dollar amount limit, monthly item limit or any other limitations on your Digital Deposits Services that Bank may impose •  We exercise our rights to investigate any unusual or suspicious Digital Deposits MDC items as determined in Bank's ’s sole discretion We will generally notify you if we delay your ability to withdraw funds for any of these or other reasons, and we will attempt to tell you when such funds will be available. If you will need the funds from a deposit via Digital Depositsthe MDC Services, you should contact us to inquire when the funds will be available.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit via Digital Deposits by check available to you on the first Business Day business day after the day of your deposit. Depending on the type of check that you deposit via Digital Depositsdeposit, funds may not be available until the second Business Day business day after the day of your deposit. The However, the first $200 of your Digital Deposits, however, deposit will be available on the first Business Daybusiness day. If we are not going to make all of the funds from your Digital Deposits deposit available on the first Business Daybusiness 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 paid. • You deposit checks totaling more than $5,000 on any one day day. • You redeposit a check that has been returned unpaid unpaid. • You have overdrawn your Account account repeatedly in the last six months months. • There is an emergency, such as failure of communications or computer or communications equipment The availability of Funds you deposit via Digital Deposits may also be delayed for a variety of additional reasons as determined in Bank's sole discretion, including, but not limited to: • We believe a check you deposit via Digital Deposits is a duplicate image • You deposit checks via Digital Deposits totaling more than any applicable daily dollar amount limit, monthly item limit or any other limitations on your Digital Deposits that Bank may impose • We exercise our rights to investigate any unusual or suspicious Digital Deposits items as determined in Bank's sole discretion equipment. We will generally notify you if we delay your ability to withdraw funds for any of these or other reasons, and we will attempt to tell you when such funds will be available. If you will need the funds from a deposit via Digital Deposits, you should contact us to inquire when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit. Special Rules for New Accounts – If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers and the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s and federal, state and local government checks, will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit.