Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit.  Electronic direct deposits will be available on the day we receive the deposit.  Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays.  If you make a deposit before 5:00 PM Monday through Friday 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 5:00 PM Monday through Friday or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

If you make a deposit at an ATM before 4:00 PM 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 at an ATM after 4:00 PM or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

LONGER DELAYS MAY APPLY

In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit.  Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit.  However, the first $100 of your deposits will be available on the first business day after we receive your deposit.

If we are not going to make all the funds from your deposit available on the first business day after we receive your deposit, 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 deposited 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 over drawn your account repeatedly in the last six months.
• There is an emergency, such as a failure of communications or computer equipment.
• We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when funds will be available.  They will generally be available no later than the seventh business day after the day of your deposit.

HOLD ON OTHER FUNDS (CHECK CASHING)

If we cash a check for you that is drawn on another bank, 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.

HOLD ON OTHER FUNDS (OTHER ACCOUNT)

If we accept for deposit a check that is drawn on another bank, 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 this type of check that you deposited.

FUNDS AVAILABILITY DISCLOSURE

Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your transaction.  We reserve the right to place a hold on funds already on deposit in any of your accounts for a check deposited or cashed even if the transaction is not drawn on our bank.  Funds from electronic transactions will be available on the day we receive the transaction.  In some cases, we may delay your ability to withdraw funds beyond the first business day.  Then, the funds will generally be available by the second business day after the date of the transaction.

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 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.

Funds from all other check deposits will generally be available on the eleventh business day after the day of your deposit.

I release and agree to hold Falcon National Bank and HSA Resources harmless against any and all claims or losses arising from my actions.