Common use of Special Rules for New Accounts Clause in Contracts

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 (and you may have to use a special deposit slip). 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 by the ninth 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 5,525 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 same business day after the day of we receive your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 5,525 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 employeesassociates, the first $5,000 will 5,525 may not be available until the second business day after the day of your deposit. Funds from all other check deposits will may not be available by until the ninth business day after the day of your deposit. ATM deposit functionality may be limited for temporary access devices issued for new deposit accounts.

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 Account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and and, if made available, the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state state, and local government checks will be available on the first same business day after the day of we receive your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). 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 employeesassociates, the first $5,000 will may not be available until the second business day after the day of your deposit. Funds from all other check deposits will may not be available by until the ninth second business day after the day of your deposit.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 thirty (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 5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler'stravelers, and federal, state 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 (and you may have to use a special deposit slip). The excess over $5,000 5,000.00 will be available on the ninth (9th) 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 5,000.00 will not be available until the second (2nd) business day after the day of your deposit. Funds from all other check deposits will be available by on the ninth second (2nd) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new customermember, 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 5,525 of a day's ’s total deposits of cashier's’s, certified, teller'sxxxxxx’s, traveler's’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 (and you may have to use a special deposit slip). The excess over $5,000 5,525 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 5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available by on the ninth 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 thirty (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, transfers and the first $5,000 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’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 (and you may have to use a special deposit slip). The excess over $5,000 5,525 will be available availab- le on the ninth (9th) 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 5,525 will not be available until the second (2nd) business day after the day of your deposit. Funds from all other check deposits will be available by no later than the ninth business fifteenth (15th) bu- siness day after the day of your deposit.

Special Rules for New Accounts. If you are a new customer, the following special rules will may apply during the first 30 days your account is openopened. 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 (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth first 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 by on the ninth business day second 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 deposits, cash, and wire transfer to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the deposit  The first $5,000 5,525 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 (and you may have to use a special deposit slip).  The excess over $5,000 5,525 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 5 ,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available by on the ninth 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’s, traveler's, '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 (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth sixth 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 by the ninth 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 into 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 (and you may have to use a special deposit slip). 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 by on the ninth business day after the day of your deposit.. Error Notification, Correction and Resolution

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 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’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 (and you may have to use a special deposit slip). The excess over $5,000 5,525 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 5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available by on the ninth eleventh business day after the day of your deposit.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 sixty (60) 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 5,000.00 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 same day after as the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 5,000.00 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 5,000.00 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available by on the ninth business day after the day of your deposit. The Credit Union reserves the right to deposit into a share savings account, which is not subject to Regulation CC, and can impose delayed availability of up to thirty (30) days.

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 ’s total deposits of cashier's’s, certified, teller's’s, traveler's’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 (and you may have to use a special deposit slip). 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 by on the ninth seventh business day after the day of your deposit. TRUTH-IN-SAVINGS DISCLOSURE CTB FLAT FEE CHECKING ACCOUNT Minimum balance to open the account - You must deposit $50.00 to open this account.

Special Rules for New Accounts. If you are a new customermember, the following special rules will may 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 ’s total deposits of cashier's’s, certified, teller's’s, traveler's’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 (and you may have to use a special deposit slip). 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 may be available by on the ninth 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 deposits, cash, and wire transfer to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the deposit  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 (and you may have to use a special deposit slip).  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 by on the ninth 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 thirty (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 ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state 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 (and you may have to use a special deposit slip). 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 by on the ninth business day after the day of your deposit.

Special Rules for New Accounts. If you are a new customerclient, the following special rules will apply during the first 30 first thirty (30) calendar days your account Account is open. Funds from cash, wire transfers, electronic direct deposits and other electronic transfers to your account Account will be available on the day Business Day we receive the deposit. Funds from deposits of cash, wire transfers, and the first The first $5,000 5,525 of a day's ’s total deposits of cashier's’s, certifiedcertified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the first business day first Business Day after the day of your deposit if the deposit meets certain conditions. For example, certain conditions may include the checks must be check made payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on It may take up to the ninth business day Business Day after the day of your depositdeposit for the excess over $5,525 to be available for withdrawal. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to through one of our employees, the first first $5,000 5,525 will not be available until the second business day Business Day after the day of your deposit. Funds from all other check deposits will may not be available by until the ninth business day 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 5000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’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 (( and you may have to use a special deposit slip). The excess over $5,000 5000 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 5000 will not be available until the second business day after the day of your deposit. Funds from all The delay for other check deposits will be available by the ninth business day after the day of your deposit.is determined as follows:

Special Rules for New Accounts. If you are a new customer, the following special rules will may apply during the first 30 thirty (30) days your account is open. : • Funds from electronic direct deposits and funds (wire) transfers to your account will be available on the day we receive the Bank receives the deposit. • Funds from the first $5,000 of a day's total deposits of U.S. Treasury checks will be available on the first Business Day after the day of your deposit. The excess over $5,000 will be available to you no later than the ninth Business Day after the day of your deposit. • Funds from deposits of cash, wire transfers, cash and the first $5,000 of a day's total deposits of cashier's, cashier's,certified, teller's, traveler's, and federal, federal state and local government checks will be available on the first business day Business Day after the day of your deposit deposit, if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on to you no later than the ninth business day 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 an employee of our employeesthe Bank, the first $5,000 will not be available until the second business day Business Day after the day of your deposit. Funds from all other check deposits will be available by to you no later than the ninth business day after Business Day following 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 cash deposits or 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 ’s total deposits of cashier's’s, certified, teller's’s, traveler's, ’s and federal, state 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 (and you may have to use a special deposit slip). The excess over $5,000 5,000.00 will be available on the ninth fifth 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 by on the ninth fifth business day after the day of your deposit. Even after funds from your check deposits are available and you have withdrawn them, you are responsible if the deposited checks are returned unpaid. We may charge such checks back to your account.

Special Rules for New Accounts. If you are a new customermember, 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 (and you may have to use a special deposit slip). 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. ATM deposits will not be available until the third business day after the day of deposit. All deposits are subject to verification and longer delays may apply. Funds from all other check deposits will be available by on the ninth business day after the day of your deposit.

Special Rules for New Accounts. If you are a new customer, the following special rules will may apply during the first 30 (thirty) 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 ’s total deposits deposit of cashier's’s, certified, teller's’s, traveler's, ’s and federal, state and local government checks will be available to you 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 (and you may have to use a special deposit slip). 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 by on the ninth 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 5,000.00 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 (and you may have to use a special deposit slip). The excess over $5,000 5,000.00 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 5,000.00 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available by the ninth 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 ’s total deposits of cashier's’s, certified, teller's’s, traveler's’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 (and you may have to use a special deposit slip). 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 by on the ninth tenth 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 5,525 of a day's day’s total deposits of cashier'scashier’s, certified, teller'steller’s, traveler'straveler’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 (and you may have to use a special deposit slip). The excess over $5,000 5,525 will be available on the ninth seventh 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 5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available by on the ninth 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 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’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 (and you may have to use a special deposit slip). The excess over $5,000 5,525 will be available on the ninth fifth 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 5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available by on the ninth fifth 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 thirty (30) days your account Account is open. Funds from electronic direct deposits EFTs to your account Account will generally be available on the day we receive the deposit. Funds from deposits deposit of cash, wire transfers, and the first $5,000 5,525.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state State and local government checks Checks will be available on the first business same day after as the day of your deposit if the deposit meets certain conditions. For example, the checks Checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 5,525.00 will be available on or before the ninth business day Business Day after the day of your deposit. If your deposit of these checks Checks (other than a U.S. Treasury checkCheck) is not made in person to one of our employees, the first $5,000 will 5,525.00 may not be available until the second business day Business Day after the day of your deposit. Funds from all other check Check deposits will be available by on or before the ninth 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, transfers and the first $5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's, ’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 (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth 5th business day after the day of your deposit. If your deposit of these checks (other than a U.S. US Treasury check) is not made in person to one of our employees, the first $5,000 will not be made available until the second 2nd business day after the day of your deposit. Funds from all other check deposits will be available by on the ninth 5th business day after the day of your deposit.

Special Rules for New Accounts. If you You are a new customermember, the following special rules will apply during the first 30 days your Your account is open. Funds from electronic direct deposits to your Your account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, transfers and the first $5,000 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's, ’s and federal, state and local government checks will be available on the first business day after the day of your Your deposit if the deposit meets certain conditions. For example, the checks must be payable to you You (and you You may have to use a special deposit slip). The excess over $5,000 5,525 will be available on the ninth business day after the day of your Your deposit. If your Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our Our employees, the first $5,000 5,525 will not be available until the second business day after the day of your Your deposit. Funds from all other check deposits will be available by on the ninth eleventh business day after the day of your Your deposit.

Special Rules for New Accounts. If you are a new customermember, 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 ’s total deposits of cashier's’s, certified, teller's’s, traveler's’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 (and you may have to use a special deposit slip). 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 by on the ninth tenth 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 thirty (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, transfers and the first $5,000 5,525 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 (and you may have to use a special deposit slip). The excess over $5,000 5,525 will be available on the ninth (9th) 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 5,525 will not be available until the second (2nd) business day after the day of your deposit. Funds from all other check deposits will be available by no later than the ninth fifteenth (15th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new customermember, 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 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state 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 (and you may have to use a special deposit slip). The excess over $5,000 5,525 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 5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available by no later than the ninth eleventh business day after the day of your deposit.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account Account is open. Funds from electronic direct deposits to your account Account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’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 (and you may have to use a special deposit slip). The excess over $5,000 5,525 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 5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available by on the ninth 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 (and you may have to use a special deposit slip). 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 by on the ninth seventh business day after the day of your deposit.

Special Rules for New Accounts. If you are a new customerChecking Account Customer, the following special rules will apply during the first 30 days your account Account is open. Funds from cash, wire transfers, electronic direct deposits and other electronic transfers to your account Account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the The first $5,000 of a day's days total deposits of cashier'scashiers, certified, teller'stellers, traveler'stravelers, and federal, state and local government checks will be available on the first business day Business Day after the day of your deposit if the deposit meets certain conditions. For example, certain conditions may include the checks must be check made payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on It may take up to the ninth business day (9th) Business Day after the day of your depositdeposit for the excess over $5,000 to be available for withdrawal. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to through one of our employees, the first $5,000 will not be available until the second business day (2nd) Business Day after the day of your deposit. Funds from all other check deposits will may not be available by until the ninth business day (9th) Business Day after the day of your deposit.

Special Rules for New Accounts. If you are a new customermember, 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 ’s total deposits of cashier's’s, certified, teller's’s, traveler's’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 (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth seventh 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 by on the ninth eleventh 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 openopen . Funds from electronic direct deposits to your account will be available on the day we receive the depositdeposit . Funds from deposits of cash, wire transfers, and the first $5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler'stravelers, and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditionsconditions . For example, the checks must be payable to you (and you may have to use a special deposit slip)) . The excess over $5,000 will be available on the ninth business day after the day of your depositdeposit . If your deposit of these checks (other than a U.S. 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 depositdeposit . Funds from all other check deposits will be available by on the ninth business day after the day of your depositdeposit .

Special Rules for New Accounts. If you You are a new customer, the following special rules will apply during the first 30 days your account Your Account is open. Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 5,000.00 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 We receive Your deposit if the deposit meets certain conditions. For example, the checks must be payable to you You (and you You may have to use a special deposit slip). The excess over $5,000 5,000.00 will be available on the ninth business day after the day of your Your deposit. If your Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our Our employees, the first $5,000 5,000.00 will not be available until the second business day after the day of your Your deposit. Funds from all other check deposits will be available by on the ninth business day after the day of your Your deposit.

Special Rules for New Accounts. ‌ If you are a new customer, the following special rules will apply during the first thefirst 30 days your daysyour account is open. Funds from electronic direct deposits to your account will be available on the day we receive the depositreceivethe deposit . Funds from deposits of cash, wire transfers, transfers and the first $5,000 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the first business day Business Day after the day of your deposit if the deposit meets certain conditionsconditions . For example, the checks must be payable to you (and you may have to use a special deposit slip)) . The excess over $5,000 5,525 will be available on the ninth business day Business Day after the day of your depositdeposit . If your deposit of these checks (other than a U.S. U .S . Treasury check) is not made in person to one of our employees, the first $5,000 5,525 will not be available until the second business day Business Day after the day of your depositdeposit . Funds from all other check deposits will be available by on the ninth business day Business Day after the day of your depositdeposit .

Special Rules for New Accounts. If you are a new customermember, 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 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’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 (and you may have to use a special deposit slip). The excess over $5,000 5,525 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 5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available by on the ninth seventh business day after the day of your deposit.

Special Rules for New Accounts. If you are a new customermember, 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 5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 5,000.00 will be available on no later than 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 5,000.00 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available by no later than the ninth 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 5,525 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 (and you may have to use a special deposit slip). The excess over $5,000 5,525 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 5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available by on the ninth eleventh business day after the day of your deposit.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account Account is open. Funds from electronic direct deposits to your account 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 ’s total deposits of cashier's’s, certified, teller's’s, traveler's’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 (and you may have to use a special deposit slip). 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 by on the ninth business day after the day of your deposit.

Special Rules for New Accounts. If you are a new customermember, 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 ’s total deposits of cashier's’s, certified, teller's’s, traveler's’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 (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth seventh (7) business day after following the banking 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 (2) business day after following the banking day of your deposit. Funds from all other check deposits checks deposited will be available by on the ninth tenth (10) business day after following the banking 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, transfers and the first $5,000 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's, ’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 (and you may have to use a special deposit slip). The excess over $5,000 5,525 will be available on the ninth 5th business day after the day of your deposit. If your deposit of these checks (other than a U.S. US Treasury check) is not made in person to one of our employees, the first $5,000 5,525 will not be made available until the second 2nd business day after the day of your deposit. Funds from all other check deposits will be available by on the ninth 5th 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 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state 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 (and you may have to use a special deposit slip). The excess over $5,000 5,525 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 5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available by on the ninth 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 5,525 of a day's ’s total deposits of cashier'sCashier’s, certified, teller's’s, traveler's’s, and federal, state 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 (and you may have to use a special deposit slip). The excess over $5,000 5,525 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 5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available by on the ninth business day after the day of your deposit.

Special Rules for New Accounts. If you are a new customermember, 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, transfers and the first $5,000 of a day's ’s total deposits of cashier's, ’s certified, teller's, ’s traveler's, ’s and federal, state and local government checks will be available on the first business day after the day of your deposit if the your deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your you 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 deposit will be available by on the ninth fourth (4th) 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 ’s total deposits of cashier's’s, certified, teller's’s, traveler's’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 (and you may have to use a special deposit slip). 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 by no later than the ninth tenth business day after the day of your deposit.. Personal Connections. Powerful Solutions. Member FDIC / Member SIF

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account Account is open. Funds from cash and electronic direct deposits to your account Account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, transfers and the first $5,000 5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler'stravelers, 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 (and you may have to use a special deposit slip). The excess over $5,000 5,000.00 will be available on the ninth seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury checkCheck) is not made in person to one of our employees, the first $5,000 5,000.00 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available by on the ninth 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 cashdrawn on us, wire transfers, and the first $5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’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 made payable to you (and you may have be required to use a special deposit slip). 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 by on the ninth 9th business day after the day of your deposit.. SubStitute CheCkS and Your rightS

Special Rules for New Accounts. If you are a new customermember, 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 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’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 (and you may have to use a special deposit slip). The excess over $5,000 5,525 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 5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available by on the ninth eleventh business day after the day of your deposit.

Special Rules for New Accounts. If you are a new customermember, 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 ’s total deposits of cashier's’s, certified, teller's’s, traveler's’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 (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth seventh (7) business day after the day of your deposit. If your deposit of these the 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 (2) business day after the day of your deposit. Funds from all other check deposits checks deposited will be available by on the ninth (9) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new customermember, 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, 's traveler's, and federal, state 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 (and you may have to use a special deposit slip). 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 by the ninth 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 5,525 of a day's ’s total deposits of cashier'scashiers’, certified, teller's’s, traveler's’s, and federal, state 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 (and you may have to use a special deposit slip). The excess over $5,000 5,525 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 5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available by on the ninth 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 5,525.00 of a day's total deposits of cashier's, certified, teller's, traveler's, '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 (and you may have to use a special deposit slip). The excess over $5,000 5,525.00, 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 5,525.00 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available by on the ninth business day after the day of your deposit.. Iroquois Federal Savings and Loan Account to Account Transfer Terms of Service Last updated May 10, 2023 GENERAL TERMS FOR EACH SERVICE