Common use of Deposits at ATMs Clause in Contracts

Deposits at ATMs. □ Non-Proprietary ATMs (ATMs that credit union does not own or operate): In most instances, the first $500 ($225 for new accounts open less than 30 days) of funds from any deposits (cash or check) made at non- proprietary ATMs will be available for withdrawal on the day of deposit. The remainder becomes available on the second business day after the day of deposit. •□ Proprietary ATMs (ATMs that credit union owns or operates): In most instances, the first $500 ($225 for new accounts open less than 30 days) of funds from any check deposits made at any proprietary ATMs will be available for withdrawal on the day of deposit. The remainder becomes available on the second business day after the day of deposit. Cash deposits are available immediately. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you. We will also tell you when the funds will be available. Exception Holds: In addition, funds you deposit by check may be delayed for up to the seventh (7th) business day after the day of your deposit under the following circumstances: •□ We believe a check you deposit will not be paid. •□ You deposit checks totaling more than $5,800 on any one day. •□ You redeposit a check that has been returned unpaid. •□ You have overdrawn your account repeatedly in the last six months. •□ There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available.

Deposits at ATMs. □ Non-Proprietary ATMs (ATMs that credit union does not own or operate): In most instances, the first $500 ($225 for new accounts open less than 30 days) of funds from any deposits (cash or check) made at non- proprietary ATMs will be available for withdrawal on the day of deposit. The remainder becomes available on the second business day after the day of deposit. •□ • Proprietary ATMs (ATMs that credit union owns or operates): In most instances, the first $500 ($225 for new accounts open less than 30 days) of funds from any check deposits made at any proprietary ATMs will be available for withdrawal on the day of deposit. The remainder becomes available on the second business day after the day of deposit. Cash deposits are available immediately. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you. We will also tell you when the funds will be available. Exception Holds: In addition, funds you deposit by check may be delayed for up to the seventh (7th) business day after the day of your deposit under the following circumstances: •□ • We believe a check you deposit will not be paid. •□ • You deposit checks totaling more than $5,800 on any one day. •□ • You redeposit a check that has been returned unpaid. •□ • You have overdrawn your account repeatedly in the last six months. •□ • There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available.