GENERAL POLICY:  Our policy is to make funds form your deposits available to you on the same business day that we receive your deposit.  Electronic direct deposits will be available on the day we receive the deposit.  If you make a deposit before 4:00PM on a business day that we are open, we will consider that day to be the day of your deposit.  However, if you make a deposit after 4:00PM or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

RESERVATION OF RIGHT TO HOLD:  In some cases, we will not make all of the funds that you deposit by check available to you on the same business day that we receive your deposit.  Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit.

LONGER DELAY MAY APPLY:  If a longer delay applies, you will be notified at the time of deposit.  Generally, funds will be available no later than the eleventh day after the day of your deposit.