Automated Teller Machines. We do not accept deposits at ATMs that we do not own or operate. Funds from deposits (cash or checks) made at automated teller machines (ATMs) we own or operate will follow the same availability schedule as making a deposit in person to one of our employees, except that same day availability may not apply to the items noted. These deposits may be available the first day after the day of deposit.
Automated Teller Machines. Cash withdrawals from ATMs can be made as often as you like. You may withdraw up to $310 (if there are sufficient funds in your account) per business day. For purposes of determining whether you have reached the daily limit, a day ends at midnight. Friday, Saturday, and Sunday are considered as one business day for the purposes of this limit.
Automated Teller Machines. You may use your Card and personal identification number (PIN) at Automated Teller Machines (ATMs) of our Credit Union, CO-OP network, and such other machines or facilities as we may desig- nate. At the present time, you may use your Card to: • Withdraw cash from the checking or savings account with us. • Make deposits to the checking or savings account. • Transfer funds between the checking and savings accounts. • Make inquiries on the checking and savings accounts, including current balance.
Automated Teller Machines. Funds from any deposits (cash or checks) made at ATMs we own or operate will not be available until the first business day after the day of your deposit. This rule does not apply at ATMs that we do not own or operate. All ATMs that we own or operate are identified as our machines. DEPOSITS MADE BY REMOTE DEPOSIT CAPTURE Refer to Separate Agreement. DEPOSITS MADE BY MOBILE DEVICE Refer to Separate Agreement. TRUTH-IN-SAVINGS DISCLOSURE This section is not applicable to non-consumer accounts. SIMPLY FREE CHECKING Minimum balance to open the account - You must deposit $50 to open this account. EASY INTEREST CHECKING Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month. If your accrued interest is less than $.01 your account will not be credited. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $50 to open this account. Minimum balance to avoid imposition of fees - A monthly maintenance service charge fee will be imposed every statement cycle if the average daily balance for the statement cycle falls below $1,000*. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks). PRESIDENT’S CHOICE CHECKING Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting freq...
Automated Teller Machines. Funds from any deposits (cash or check) made at automated teller machines (ATMs) we do not own or operate will be available as follows: The first $225 will be available the same business day of your deposit. The remainder becomes available on the fifth business day after the day of deposit. This rule does not apply to ATMs we own or operate. All ATMs that we own or operate are identified as our machines. Funds from deposits (cash or checks) made at automated teller machines (ATMs) we own or operate will follow the same availability schedule as making a deposit in person to one of our employees, except that same day availability may not apply to the items noted. These deposits may be available the first day after the day of 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 $5,525 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 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 $5,525 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 $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the 9th business day after the day of your deposit. Business Days and Cut-off Times 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 6:00 p.m. 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 that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and ...
Automated Teller Machines. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth business day after the day of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. Funds from deposits (cash or checks) made at automated teller machines (ATMs) we own or operate will follow the same availability schedule as making a deposit in person to one of our employees, except that same day availability may not apply to the items noted. These deposits may be available the first day after the day of deposit.
Automated Teller Machines. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate may not be available until the second business day after the day of your deposit. TRUTH-IN-SAVINGS DISCLOSURE
Automated Teller Machines. You may use your Card and personal identification number (PIN) at Automated Teller Machines (ATMs) of the Credit Union, Quest EBT, SURF, CU24, Exchange, NYCE, Maestro, CIRRUS, M/C, PLUS, Visa, American Express, and such other machines or facil- ities as we may designate. At the present time, you may use your Card to: • Withdraw cash from the checking or savings account with us. • Make deposits to the checking or savings account. • Transfer funds between the checking and savings accounts. • Make inquiries on the checking and savings accounts, including current balance, recent deposits, and recent withdrawals.
Automated Teller Machines. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth business day after the day of your deposit. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we own or operate will be available on the second business day after the day of deposit, except that U.S. Treasury checks that are payable to you will be available on the first business day after the day of deposit. Also, the first $225 of a deposit will be available on the first business day after the day of deposit. Checks drawn on American First Credit Union will be available on the first business day after the day of deposit if the deposit is made at an ATM located on our premises. All ATMs that we own or operate are identified as our machines. SPECIFIC ACCOUNT DETAILS Totally Free Business Checking Account Opening requirements: The minimum balance required to open this account is $50.00. Minimum balance requirements: There is no minimum balance required. Dividend earnings: Totally Free Business Checking account does not earn dividends. Transaction limitations: You are allowed 1,000 free items (debits and credits) each month. Thereafter a per item fee will apply. You may deposit up to $10,000 in currency per month; thereafter, a fee per $1,000 will apply. Fees and charges: Refer to the Schedule of Fees & Services for fee amounts. Business Interest Checking Account Opening requirement: The minimum deposit required to open a Business Interest Checking Account is $50.00 Minimum balance requirements: You must maintain a minimum daily balance of $1,500 in your account to avoid a monthly service charge fee. If, during any month, your daily balance is below the required minimum, your account will be subject to a monthly service charge fee. All balances earn dividends based on the average daily balance, paid and compounded monthly. The dividend rate and Annual Percentage Yield, (APY) may change at any time, as determined by the Credit Union’s Board of Directors or designated committee. For the dividend rate and Annual Percentage Yield, APY for this Account call us at 000.000.0000 or check the rates online at xxx.xxxxxxxxxx.xxx .
Automated Teller Machines. Funds from deposits (cash or checks) made at automated teller machines (ATMs) which we do not own or operate typically will be available immediately, but can be delayed up to five business days. You can make deposits to your share draft account at Point-of-Banking ATMs located at the service desk in major supermarkets throughout Maine.
