Common use of Negative Information Notice Clause in Contracts

Negative Information Notice. We may report information about your loan, share or deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report. FUNDS AVAILABILITY POLICY DISCLOSURE This Disclosure describes your ability to withdraw funds from all your accounts at the Credit Union except for funds deposited to certificate accounts. The Credit Union reserves the right to delay the availability of funds deposited to certificate accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy. General Policy. Our policy is to delay the availability of funds from your check and check deposits. During the delay, you may not withdraw the funds in cash and we will not use the funds to pay checks that you have written. Determining the Availability of a Deposit. When we delay the availability of a deposit the length of the delay is determined by counting the business days from the day of your deposit. Every day is a business day except Saturdays, Sundays and federal holidays. If you make a deposit before 4:30 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 our cutoff hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Same-Day Availability. Funds from electronic direct deposits to your account as well as funds from the following deposits will be available on the same business day that we receive the deposit: Same-Day Availability for Certain Deposits made in Person. Funds from the following deposits are available on the same business day that we receive your deposit, if you make the deposit in person to one of our employees:

Negative Information Notice. We may report information about your loan, share or deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report. FUNDS AVAILABILITY POLICY DISCLOSURE This Disclosure describes your ability to withdraw funds from all your accounts at the Credit Union except for funds deposited to certificate accounts. The Credit Union reserves the right to delay the availability of funds deposited to certificate accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy. General Policy. Our policy is to delay the availability of make funds from your check cash and check depositsdeposits available to you on the same business day that we receive your deposit. During Electronic direct deposits will be available on the delayday we receive the deposit. Once they are available, you may not can withdraw the funds in cash and we will not use the funds to pay checks that you have written. Determining the Availability of a Deposit. When we delay For determining the availability of a deposit the length of the delay is determined by counting the business days from the day of your deposit. Every deposits, every day is a business day day, except Saturdays, Sundays Sundays, and federal holidays. If you make a deposit before 4:30 4:00 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 our cutoff hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Same-Day AvailabilityReservation of Right to Hold. Funds from electronic direct deposits In some cases, we will not make all of the funds that you deposit by check available to your account as well as funds from the following deposits will be available on the same business day that we receive the deposit: Same-Day Availability for Certain Deposits made in Person. Funds from the following deposits are available you on the same business day that we receive your deposit. Funds may not be available until the second business day after the day of your deposit. However, if the first $200.00 of your deposit 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 your deposit available on the same business day, 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 in person is not made directly to one of our employees:employees or if we decide to take this action after you have left the premises, we will mail you the notice 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.

Negative Information Notice. We may report information about your loan, share or deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit reportreport or ChexSystems. FUNDS AVAILABILITY POLICY DISCLOSURE This Disclosure describes your ability to withdraw funds from all your accounts at the Credit Union except for funds deposited to certificate accounts. The Credit Union reserves the right to delay the availability of funds deposited to certificate accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy. General Policy. Our policy is to delay the availability of funds from your check and check deposits. During the delay, you may not withdraw the funds in cash and we will not use the funds to pay checks that you have written. Determining the Availability of a Deposit. When we delay the availability of a deposit the length of the delay is determined by counting the business days from the day of your deposit. Every day is a business day except Saturdays, Sundays and federal holidays. If you make a deposit before 4:30 5:00 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 our cutoff hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Same-Day Availability. Funds from electronic direct deposits to your account as well as funds from the following deposits will be available on the same business day that we receive the deposit: Same-Day Availability for Certain Deposits made in Person. Funds from the following deposits are available on the same business day that we receive your deposit, if you make the deposit in person to one of our employees:

Negative Information Notice. We may report information about your loan, share or deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report. FUNDS AVAILABILITY POLICY DISCLOSURE This Disclosure describes your ability to withdraw funds from all your accounts at the Credit Union except for funds deposited to certificate accounts. The Credit Union reserves the right to delay the availability of funds deposited to certificate accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy. General Policy. Our policy is to delay the availability of make funds from your check cash and check depositsdeposits available to you on the same business day that we receive your deposit. During Electronic direct deposits will be available on the delayday we receive the deposit. Once they are available, you may not can withdraw the funds in cash and we will not use the funds to pay checks that you have written. Determining the Availability of a Deposit. When we delay For determining the availability of a deposit the length of the delay is determined by counting the business days from the day of your deposit. Every deposits, every day is a business day day, except Saturdays, Sundays Sundays, and federal holidays. If you make a deposit before 4:30 4:00 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 our cutoff hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Same-Day AvailabilityReservation of Right to Hold. Funds from electronic direct deposits In some cases, we will not make all of the funds that you deposit by check available to your account as well as funds from the following deposits will be available on the same business day that we receive the deposit: Same-Day Availability for Certain Deposits made in Person. Funds from the following deposits are available you on the same business day that we receive your deposit. Funds may not be available until the second business day after the day of your deposit. However, if the first $225.00 of your deposit 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 your deposit available on the same business day, 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 in person is not made directly to one of our employees:employees or if we decide to take this action after you have left the premises, we will mail you the notice 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.

Negative Information Notice. We may report information about your loan, share or deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report. FUNDS AVAILABILITY POLICY DISCLOSURE This Disclosure describes your ability to withdraw funds from all your accounts at the Credit Union except for funds deposited to certificate accounts. The Credit Union reserves the right to delay the availability of funds deposited to certificate accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy. General Policy. Our policy is to delay the availability of make funds from your check cash and check depositsdeposits available to you on the same business day that we receive your deposit. During Electronic direct deposits will be available on the delayday we receive the deposit. Once they are available, you may not can withdraw the funds in cash and we will not use the funds to pay checks that you have written. Determining the Availability of a Deposit. When we delay For determining the availability of a deposit the length of the delay is determined by counting the business days from the day of your deposit. Every deposits, every day is a business day day, except Saturdays, Sundays Sundays, and federal holidays. If you make a deposit before 4:30 p.m. closing 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 our cutoff hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Same-Day AvailabilityReservation of Right to Hold. Funds from electronic direct deposits In some cases, we will not make all of the funds that you deposit by check available to your account as well as funds from the following deposits will be available on the same business day that we receive the deposit: Same-Day Availability for Certain Deposits made in Person. Funds from the following deposits are available you on the same business day that we receive your deposit. Funds may not be available until the second business day after the day of your deposit. However, if the first $200.00 of your deposit 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 your deposit available on the same business day, 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 in person is not made directly to one of our employees:employees or if we decide to take this action after you have left the premises, we will mail you the notice 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.

Negative Information Notice. We may report information about your loan, share or deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report. FUNDS AVAILABILITY POLICY DISCLOSURE This Disclosure describes your ability to withdraw funds from all your accounts at the Credit Union except for funds deposited to certificate accounts. The Credit Union reserves the right to delay the availability of funds deposited to certificate accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy. General Policy. Our policy is to delay the availability of funds from your check and check deposits. During the delay, you may not withdraw the funds in cash and we will not use the funds to pay checks that you have written. Payment of Interest-12 CFR Part 1030. ECCU will begin to accrue interest on deposits made to an interest-bearing account on the day the institution receives credit for the funds. Definition. Automated Teller Machines (229.2(c)): An electronic device located in the United States at which a natural person may make deposits to an account by cash or check and perform other account transactions. State(229.2(ff)): A state, the District of Columbia, Puerto Rico, American Samoa, the Commonwealth of the Northern Mariana Islands, Guam, or the U.S. Virgin Islands. For purposes of subpart D of this part and, in connection therewith, this subpart A, state also means the Trust Territory of the Pacific Islands and any other territory of the United States. United States (229.2(jj)): The states, including the District of Columbia, the Determining the Availability of a Deposit. When we delay the availability of a deposit the length of the delay is determined by counting the business days from the day of your deposit. Every day is a business day except Saturdays, Sundays and federal holidays. If you make a deposit before 4:30 p.m. 5:00pm on a business day or 12:00pm on Saturday that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after our cutoff hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Same-Day Availability. Funds from electronic direct deposits to your account as well as funds from the following deposits will be available on the same business day that we receive the deposit: Same-Day Availability for Certain Deposits made in Person. Funds from the following deposits are available on the same business day that we receive your deposit, if you make the deposit in person to one of our employees: