Our policy is to delay the availability of funds that you deposit in your account. During the delay you may not withdraw the funds in cash and we will not use the funds to pay checks that you may have written.

Determining the Availability of a Deposit
The length of the delay is counted in business days from the day of your deposit. Every day is a business day except Saturdays, Sundays and federal holidays. If you make a deposit before 3:00pm on a business day that we are open, or on a Saturday, we will consider that day to be the day of your deposit. However, if you make a deposit after 3:00pm or on a day we are not open, we will consider that the deposit was made on the next business day we are open. The length of the delay varies depending on the type of deposit and is explained below.

Same-Day Availability
Funds from electronic direct deposit and wire transfers will be available on the day we receive the deposit.

Next-Day Availability
Funds from the following deposits are available on the first business day after the day of your deposit:

• U.S. Treasury checks that are payable to you
• State and local government checks that are payable to you
• Cashier's, certified, and teller's checks that are payable to you
• Federal Reserve Bank checks, Federal Home Loan Bank checks and Postal Money Orders, if these items are payable to you

Availability of Other Check Deposits
Funds from other check deposits will not be available until the second business day after the day of your deposit. The first $100 of your deposits, however, will be made available on the first business day.

Longer Delays May Apply
Funds you deposit by check may be delayed for a longer period under the following circumstances:

• 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
• We believe a check you deposit will not be paid
• There is an emergency, such as a failure of communications or computer equipment
• New Accounts

Holds on Other Funds
If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.