Common use of Longer Delays May Apply Clause in Contracts

Longer Delays May Apply. In some cases, we may not make all of the funds from a BB&T check available on the same business day as the deposit, or we may not make all of the funds from a non-BB&T check available on the first business day after the day of the 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 $200 of your deposit may be available on the first business day after the day of your deposit. If we are not going to make all of the funds from a BB&T check deposit available on the same business day of your deposit, or, if we are not going to make all of the funds from a non-BB&T check deposit available on the next business day after the day of your deposit, we will notify you at the time you make your deposit. We also will tell you when the funds will be available. If your deposit is not made directly to one of our associates, or if we decide to take this action after you have left the premises, we will mail you the notice no later than the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask when the funds will be available. In addition, withdrawal of funds you deposit by check may be delayed for a longer period under one or more of the following circumstances:  We believe a check you deposit 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 overdrawn your account repeatedly in the preceding six (6) months.  There is an emergency, such as failure of communications or computer equipment.  You deposit checks to a new account ($200 may not be given). 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. They generally will be available no later than the seventh business day after the day of your deposit.

Longer Delays May Apply. In some cases, we may will not make all of the funds from a BB&T that you deposit by check available on the same business day as the deposit, or we may not make all of the funds from a non-BB&T check available to you on the first business day after the day of the 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 $200 of your deposit may will be available on the first business day after the day of your depositday. If we are not going to make all of the funds from a BB&T check your deposit available on the same first business day of your deposit, or, if we are not going to make all of the funds from a non-BB&T check deposit available on the next business day after the day of your depositday, we will notify you at the time you make your deposit. We will also will tell you when the funds will be available. If your deposit is not made directly to one of our associatesemployees, or if we decide to take this action after you have left the premises, we will mail you the notice no later than by the next business 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, withdrawal of funds you deposit by check may be delayed for a longer period under one or more of the following circumstances:  • We believe a check you deposit 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 overdrawn your account repeatedly in the preceding last six (6) months.  • There is an emergency, such as failure of communications or computer equipment.  You deposit checks to a new account ($200 may not be given). 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. They will generally will be available no later than the seventh business day after the day of your 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 $5,000 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. The excess over $5,000 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 $5,000 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 ninth business day after the day of your deposit.

Longer Delays May Apply. In some cases, we may will not make all of the funds from a BB&T that you deposit by check available to you on the same business day as the deposit, or we may not make all of the funds from a non-BB&T check available on the first business day after the day of the 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 The first $200 225 of your deposit deposits, however, may be available on the first business day after the day of your deposit. If we are not going to make all of the funds from a BB&T check your deposit available on the same first business day of your deposit, or, if we are not going to make all of the funds from a non-BB&T check deposit available on the next business day after the day of your depositday, we will notify you at the time you make your deposit. We will also will tell you when the funds will be available. If your deposit is not made directly to one of our associatesemployees, or if we decide to take this action after you have left the premises, we will mail you the notice no later than by the next business 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, withdrawal of funds you deposit by check may be delayed for a longer period under one or more of the following circumstances:  • We believe a check you deposit will not be paid.  • You deposit checks totaling more than $5,000 5,525 on any one day.  • You redeposit a check that has been returned unpaid.  • You have overdrawn your account repeatedly in the preceding last six (6) months.  • There is an emergency, such as failure of computer or communications or computer equipment.  You 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 in a manner consistent with the “Longer Delays May Apply” portion of this Disclosure. 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 a check for deposit checks that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a new corresponding amount of funds that you have on deposit in another account ($200 may with us in a manner consistent with the “Longer Delays May Apply” portion of this Disclosure. The funds in the other account would then not be given)available for withdrawal until the end of the time period that is described in this portion of the disclosure for the type of check that you deposited. 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. They will generally will be available no later than the seventh ninth business day after the day of your deposit.

Longer Delays May Apply. Second Business Day Availability In some cases, we may not make all of the funds from a BB&T check available on the same business day as the deposit, or we may not make all of the funds from a non-BB&T check available on the first business day after the day of the 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 The first $200 100 of your deposit may will be immediately available. An additional $125 will be made available during nightly processing on the first business day after the day of we receive your deposit, for a total of $225. If we are not going to make all of the funds from a BB&T check deposit available on the same business day of your deposit, or, if we are not going to make all of the funds from a non-BB&T check deposit available on the next business day after the day of your deposit, we will notify you at the time you make your deposit. We also will tell you when the funds will be available. If your deposit is not made directly to one of our associates, or if we decide to take this action after you have left the premises, we will mail you the notice no later than the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask when the funds will be available. In addition, withdrawal of funds Seventh Business Day Availability Funds you deposit by check may be delayed for a longer period under one or more of the following circumstances:  • We believe a check you deposit will not be paid.  • You deposit checks totaling more than $5,000 5,525 on any one day.  • You redeposit a check that has been returned unpaid.  • You have overdrawn your account repeatedly in the preceding last six (6) months.  • There is an emergency, such as failure of computer or communications or computer equipment.  You deposit checks to a new account ($200 may not be given). 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. They will generally will be available no later than the seventh business day after the day of your deposit. When a hold is placed for longer than two business days, you will not have any funds immediately available for use.

Longer Delays May Apply. In some cases, we may will not make all of the funds from a BB&T that you deposit by check available on the same business day as the deposit, or we may not make all of the funds from a non-BB&T check available to you on the first business banking day after the day of the your deposit. Depending on the type of check that you deposit, funds may not be available until the second business banking day after the day of your deposit. However, However the first $200 225.00 of your deposit may deposits will be available on the first business day after the day of your depositbanking day. If we are not going to make all of the funds from a BB&T check your deposit available on the same business day of your deposit, or, if we are not going to make all of the funds from a non-BB&T check deposit available on the next business day after the day of your depositfirst banking day, we will notify you at the time you make your deposit. We will also will tell you when the funds will be available. If your deposit is not made directly to one of our associatesemployees, or if we decide to take this action after you have left the premises, we will mail you the notice no not later than the next business banking 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 availableavailable at the time you make the deposit. In addition, withdrawal of funds you deposit by check may be delayed for a longer period under one or more of the following circumstances:  • We believe a check you deposit will not be paid.  • You deposit checks totaling more than $5,000 5,525.00 on any one (1) day.  • You redeposit a check that has been returned unpaid.  • You have overdrawn your account repeatedly in the preceding last six (6) months.  • There is an emergency, such as failure of computer or communications or computer equipment.  You deposit checks to a new account ($200 may not be given). We will notify you 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. They will generally will be available no later than the seventh business fifth banking day after the day of your deposit.

Longer Delays May Apply. In some cases, we may will not make all of the funds from a BB&T that are deposited by check or deposited by other channels available on the same business day as the deposit, or we may not make all of the funds from a non-BB&T check available to you on the first business day Business Day after the day of the your deposit. Depending on the type of deposit, whether by check that you depositor other means, funds may not be available until the second business day Business Day after the day of your depositdeposit is received. However, the first $200 200.00* of your deposit deposits may be available on the first business day Business Day after your deposit is received. *Effective July 1, 2020, the day first $225.00 of your depositYour deposits may be available on the first Business Day after Your deposit is received. If we are not going to make all of the funds from a BB&T check your deposit available on the same business day of your deposit, or, if we are not going to make all of the funds from a non-BB&T check deposit available on the next business day after the day of your depositfirst Business Day, we will notify you at the time you make your deposit. We will also will tell you when the funds will be available. If your deposit is not made directly to one of our associatesemployees, or if we decide to take this action after you have left the premises, we will mail you the notice no later than by the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask when the funds will be available. In addition, withdrawal of funds Funds you deposit by check may be delayed for a longer period under one or more of the following circumstancesif:  We (i) we believe a check you deposit will not be paid.  You ; (ii) you deposit checks totaling more than $5,000 5,000.00* on any one day.  You Business Day; (iii) you redeposit a check that has been returned unpaid.  You ; (iv) you have overdrawn your account Account repeatedly in the preceding last six (6) months.  There ; or (v) there is an event that occurs, which is out of our control such as an emergency, such as failure of communications or computer equipment.  You deposit checks to a new account ($200 may not be given)equipment failure, natural disaster, act of terrorism, sanction or restriction against the transaction, or other event outside our control. 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. They will generally will be available no later than the seventh business day (7th) Business Day after the day of your deposit; funds deposited using online or mobile banking services will be made available according to the terms and conditions governing the service Your deposit may encounter delays if required by law.

Longer Delays May Apply. In some cases, we may not make all of the funds from a BB&T check available on the same business day as the deposit, or we may not make all of the funds from a non-BB&T check available on the first business day after the day of the 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 The first $200 100 of your deposit may will be immediately available. An additional $100 will be made available during nightly processing on the first business day after the day of we receive your deposit, for a total of $200. If we are not going to make all of the funds from a BB&T check deposit available on the same business day of your deposit, or, if we are not going to make all of the funds from a non-BB&T check deposit available on the next business day after the day of your deposit, we will notify you at the time you make your deposit. We also will tell you when the funds will be available. If your deposit is not made directly to one of our associates, or if we decide to take this action after you have left the premises, we will mail you the notice no later than the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask when the funds will be available. In addition, the withdrawal of funds that you deposit by check may be delayed for a longer period under one or more of the following circumstances:  • We believe a check you deposit 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 overdrawn your account repeatedly in the preceding six (6) months.  • There is an emergency, such as failure of communications or computer equipment.  • You deposit checks to a new account ($200 same day credit may not be given). 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. They The funds will generally will be available no later than the seventh business day after the day of your deposit. When a hold is placed for longer than two business days, you will not have any funds immediately available for use.

Longer Delays May Apply. In some casessomecases, we may not make all makeall of the funds from a BB&T thefundsthat you deposit by check available on the same business day as the deposit, or we may not make all of the funds from a non-BB&T check available to you on the first business day after the day of the 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 The first $200 225 of your deposit deposits, however, may be available on the first business day after the day of your deposit. If we are not going to make all of the funds from a BB&T check your deposit available on the same first business day of your deposit, or, if we are not going to make all of the funds from a non-BB&T check deposit available on the next business day after the day of your depositday, we will notify you at the time you make your deposit. We will also will tell you when the funds will be available. If your deposit is not made directly to one of our associatesemployees, or if we decide to take this action after you have left the premises, we will mail you the notice no later than by the next business day after we receive your deposit. If you will need the funds from a deposit right awayhave aquestion about theavailability of deposited funds, you should ask shouldask us when the we willmakethe funds will be available. In addition, withdrawal of funds you deposit by check may be delayed for a longer period under one or more of the following circumstances:  • We believe a check you deposit deposited will not be paid.  • You deposit checks totaling more than $5,000 5,525 on any one day.  • You redeposit a check that has been returned unpaid.  • You have overdrawn your account repeatedly in the preceding last six (6) months.  • There is an emergency, such as failure of computer or communications or computer equipment.  You deposit checks to a new account ($200 may not be given). 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. They will generally will be available no later than the seventh fifth business day after the day of your deposit.

Longer Delays May Apply. In some cases, we may will not make all of the funds from a BB&T that you deposit by check available to you on the same business day as the deposit, or we may not make all of the funds from a non-BB&T check available on the first business day after the day of the deposit. Depending on the type of check that you deposit, funds may not be available until the second fifth business day after the day of your deposit. However, the The first $200 of your deposit may deposits, however, will be available on the first business day after the day of your deposit. If we are not going to make all of the funds from a BB&T check deposit available on the same business day of we receive your deposit, or. Generally, if we are not going to make all of the funds from a non-BB&T check your deposit available on the next same business day of your deposit (or the first business day after the day of your depositdeposit for checks deposited to a CashPoints ATM), we will notify you at the time you make your deposit. We will also will tell you when the funds will be available. If your deposit is not made directly to one of our associatesemployees, or if we decide to take this action after you have left the premises, we will mail you the notice no later than by the end of the next business 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, withdrawal of funds you deposit deposited by check may be delayed for a longer period under one or more of the following circumstances:  We • we believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000 on any one day.  You paid • you redeposit a check that has been returned unpaid.  You unpaid • you have overdrawn your account repeatedly in the preceding last six (6) months.  There months • there is an emergency, such as failure of computer or communications or computer equipment.  You deposit checks to a new account ($200 may not be given). 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. They will generally will be available no later than the seventh fifth business day after the day of your deposit.

Longer Delays May Apply. In some cases, we may not make all of the funds from a BB&T check available on the same business day as the deposit, or we may not make all of the funds from a non-BB&T check available on the first business day after the day of the 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 The first $200 100 of your deposit may will be immediately available. An additional $100 will be made available during nightly processing on the first business day after the day of we receive your deposit, for a total of $200. If we are not going to make all of the funds from a BB&T check deposit available on the same business day of your deposit, or, if we are not going to make all of the funds from a non-BB&T check deposit available on the next business day after the day of your deposit, we will notify you at the time you make your deposit. We also will tell you when the funds will be available. If your deposit is not made directly to one of our associates, or if we decide to take this action after you have left the premises, we will mail you the notice no later than the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask when the funds will be available. In addition, the withdrawal of funds that you deposit by check may be delayed for a longer period under one or more of the following circumstances:  We believe a check you deposit 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 overdrawn your account repeatedly in the preceding six (6) months.  There is an emergency, such as failure of communications or computer equipment.  You deposit checks to a new account ($200 same day credit may not be given). 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. They The funds will generally will be available no later than the seventh business day after the day of your deposit. When a hold is placed for longer than two business days, you will not have any funds immediately available for use. SPECIAL RULES FOR NEW ACCOUNTS The following special rules may apply during the first thirty (30) days your account is open. Funds from 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, U.S. Treasury checks, U.S. Postal Service Money Orders, and checks drawn on Federal Reserve Banks and Federal Home Loan Banks will be available on the same business day we receive your deposit if the deposit meets certain conditions. For example, these checks (other than U.S. Treasury checks) must be deposited in an account held by the payee and must be deposited in person to an associate of the Bank. If your deposit of these checks (other than U.S. Treasury checks) is not made in person to one of our associates, the first $5,000 may not be available until the second business day after the day of your deposit. The excess over $5,000 will be available by the ninth business day after the day of your deposit. Proceeds of a U.S. Treasury check which are deposited in an account held by the payee will be available on the same business day we receive your deposit even if not deposited in person to one of our associates. Funds from all other check deposits generally will be available as outlined in the GENERAL WITHDRAWAL POLICY section. ATM deposit functionality may be limited for temporary access devices issued for new deposit accounts.

Longer Delays May Apply. In some cases, we may will not make all of the funds from a BB&T that you deposit by check available on the same business day as the deposit, or we may not make all of the funds from a non-BB&T check available to you on the first business banking day after the day of the your deposit. Depending on the type of check that you deposit, funds may not be available until the second business banking day after the day of your deposit. However, However the first $200 225 of your deposit may deposits will be available on the first business day after the day of your depositbanking day. If we are not going to make all of the funds from a BB&T check your deposit available on the same business day of your deposit, or, if we are not going to make all of the funds from a non-BB&T check deposit available on the next business day after the day of your depositfirst banking day, we will notify you at the time you make your deposit. We will also will tell you when the funds will be available. If your deposit is not made directly to one of our associatesemployees, or if we decide to take this action after you have left the premises, we will mail you the notice no not later than the next business banking 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 availableavailable at the time you make the deposit. In addition, withdrawal of funds you deposit by check may be delayed for a longer period under one or more of the following circumstances:  • We believe a check you deposit will not be paid.  • You deposit checks totaling more than $5,000 5,525.00 on any one (1) day.  • You redeposit a check that has been returned unpaid.  • You have overdrawn your account repeatedly in the preceding last six (6) months.  • There is an emergency, such as failure of computer or communications or computer equipment.  You deposit checks to a new account ($200 may not be given). We will notify you 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. They will generally will be available no later than the seventh business fifth banking day after the day of your deposit.

Longer Delays May Apply. In some cases, we may will not make all of the funds from a BB&T check that you deposit via the MRDC Service available on the same business day as the deposit, or we may not make all of the funds from a non-BB&T check available to you on the first business day after the day of the deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of we receive your deposit. However, the first $200 of your deposit Funds may be available delayed if you deposit checks totaling more than $5,000 on the first business day after the day any one day, you redeposit a check that has been returned unpaid, or there is an emergency, such as a failure of your depositcomputer or communication equipment. We may also delay funds if we believe a check you deposit through MRDC is a duplicate image or we exercise our rights to investigate any unusual or suspicious MRDC items as determined in our sole discretion. If we are not going to make all of the funds from a BB&T check your deposit available on the same first business day of your deposit, or, if we are not going to make all of the funds from a non-BB&T check deposit available on the next business day after the day of your depositday, we will generally notify you at the time you make your deposit. We will also will attempt to tell you when the funds will be available. If your deposit is not made directly to one of our associates, or if we decide to take this action after you have left the premises, we will mail you the notice no later than the next business day after we receive your deposit. If you will need the funds from a deposit right awayvia the MRDC Services, you should ask contact us to inquire when the funds will be available. In addition, withdrawal of funds you deposit by check via the MRDC Service may be delayed for a longer period under one or more for a variety of the following circumstancesadditional reasons as determined in Bank's sole discretion, including, but not limited to:  ??? We believe a check you deposit will not be paid.  paid ??? We believe a check you deposit is a duplicate image ??? You deposit checks totaling more than $5,000 any applicable per item limit, daily dollar amount limit, monthly item limit or any other limitations on any one day.  your Services that Bank may impose ??? You redeposit a check that has been returned unpaid.  unpaid ??? You have overdrawn your account repeatedly in the preceding last six (6) months.  months ??? There is an emergency, such as failure of computer or communications equipment ??? We exercise our rights to investigate any unusual or computer equipmentsuspicious MRDC items as determined in Bank's sole discretion Customer Representation and Agreements; Indemnity.  You With respect to each and every deposit checks initiated by customer, customer represents and warrants to a new account Bank and agrees that to the best of customer's knowledge: ($200 may not be given)a) each deposit is made payable to the customer (b) any necessary authorization is operative at the time of transmittal or crediting/debiting by Bank as provided herein, and (c) customer shall perform its obligations under this Agreement in accordance with all applicable laws and regulations, including the sanctions laws administered by OFAC. We will notify you if we delay your ability In addition to withdraw funds for other indemnification under this Agreement, customer also shall indemnify Bank against any loss, liability, or expense (including attorney's fees and expenses) resulting from or arising out of any breach of any of these reasons, and we will tell you when the funds will be available. They generally will be available no later than the seventh business day after the day of your depositforegoing representations or agreements.

Longer Delays May Apply. In some cases, we may will not make all of the funds from a BB&T that you deposit by check available to you on the same or next business day as the deposit, or we may not make all of the funds from a non-BB&T check available on the first business day after the day of the deposit. Depending on the type of check that you deposit, funds may not be available until the second seventh business day after the day of your deposit. However, the The first $200 225 of your deposit may in-person deposits, however, will be available on the first business day after the day of your deposit. If we are not going to make all of the funds from a BB&T check deposit available on the same business day of we receive your deposit, orand the first $225 of your deposits to a CashPoints ATM will be available on the second business day. Generally, if we are not going to make all of the funds from a non-BB&T check your deposit available on the next same business day of your deposit (or the first business day after the day of your depositdeposit for checks deposited to a CashPoints ATM), we will notify you at the time you make your deposit. We will also will tell you when the funds will be available. If your deposit is not made directly to one of our associatesemployees, or if we decide to take this action after you have left the premises, we will mail you the notice no later than by the end of the next business 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, withdrawal of funds you deposit deposited by check may be delayed for a longer period under one or more of the following circumstances:  ⮚ We believe a check you deposit will not be paid.  You deposit paid ⮚ The check you deposited, or other checks totaling more than $5,000 on any one day.  You redeposit a check that you have previously deposited, has been returned unpaid.  unpaid ⮚ You make a large deposit (however, up to $5,525 will be available on the same or next business day) ⮚ You make a deposit to a new transaction account ⮚ You have overdrawn one or more of your account accounts with us repeatedly in the preceding last six (6) months.  months ⮚ There is an emergency, such as weather emergency, power outage, or failure of computer or communications or computer equipment.  You deposit checks to a new account ($200 may not be given). 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. They With respect to deposits made to Checking Accounts, CPG Accounts and HSAs, funds from the deposit will generally will be available no later than the seventh fifth business day after the day of your deposit.

Longer Delays May Apply. In some cases, we may will not make all of the funds from a BB&T that you deposit by check available to you on the same business day as the deposit, or we may not make all of the funds from a non-BB&T check available on the first business day after the day of the your deposit. Depending on the way the funds were received, and the type of check that you depositdeposited, funds may not be available until the second seventh (7th) business day after the day of your deposit. However, the The first $200 225 of your deposit may the combined daily total of deposits will be made available on the first business day after of deposit. Funds deposited at a branch of the Credit Union and payable to you from the U.S. Treasury, Federal Reserve Bank, Federal Home Loan Bank, checks drawn on the Credit Union, postal money orders, state or local government checks, or cashier’s, certified, or teller’s checks will be made available on the day of your the deposit. If we are not going to make all of the funds from a BB&T check deposit available on the same business day of your depositdeposit (or as otherwise noted above for ATM, orMobile Check, if we are not going to make all of the funds from a non-BB&T check deposit available on the next business day after the day of your depositor Shared Branching deposits), we will notify you at of the time you make your deposit. We also will tell you date when the funds will be available. If your deposit is the funds are not made delivered directly to one an employee of our associates, the Credit Union or if we decide to take this action after you have left the premisesbranch, we will mail you mail, or make available to you, a notice by the notice no later than the next first (1st) business day after we receive your deposithave delayed the availability of the funds. If you will need the funds from immediately or by a deposit right awaycertain date, you should ask us when the funds will be available. In additionFunds subject to delayed availability are not available funds, withdrawal are not included in the available balance of funds you deposit by check may be delayed for a longer period under one or more of the following circumstances:  We believe a check you deposit 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 overdrawn your account repeatedly in the preceding six (6) months.  There is an emergency, such as failure of communications or computer equipment.  You deposit checks to a new account ($200 and may not be given)used to pay items presented for payment. We will notify After funds have been withdrawn from your account, you if we delay remain responsible and liable for checks that were deposited to your ability account that are returned to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They generally will be available no later than the seventh business day after the day of your depositus unpaid.