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Model C-1 – Next-day availability

DEPOSIT AVAILABILITY POLICY
When a deposit is made to your account, the funds may not be available immediately. For example, if you deposit a
check on Monday, you may not be able to withdraw the funds from that check, and we may not pay another check
with those funds, until Tuesday. See the Availability Timeline below for details about when you can use the funds
from different types of deposits.
If you withdraw funds from a check deposit, and the check is later returned unpaid, we may charge the check back to
your account.

Availability Timeline
When a deposit is made by …

Deposited funds are available …

• Electronic direct deposit
• Wire transfer

• The same business day

• Cash
• Check

• The next business day

What is a “Business Day?”
A business day is any day of the week except Saturday, Sunday, and Federal holidays. A deposit made before (time
of day) on a business day is considered deposited that day. A deposit made after that time, or on a day we are
closed, is considered deposited the next business day.

[Check Cashing, Immediate Availability, and Holds on Other Funds
We may cash a check or make a check deposit available immediately if you have funds to cover that check in any of
your accounts with us. If we do, we will hold those funds (equal to the amount of the check) in your other account(s)
according to the timelines described elsewhere in this policy.]

Model C-2 – Next-day availability and section 229.13 exceptions

DEPOSIT AVAILABILITY POLICY
When a deposit is made to your account, the funds may not be available immediately. For example, if you deposit a check on
Monday, you may not be able to withdraw the funds from that check, and we may not pay another check with those funds, until
Tuesday or even later. See the Availability Timeline below for details about when you can use the funds from different types of
deposits.
If you withdraw funds from a check deposit, and the check is later returned unpaid, we may charge the check back to your
account.

Availability Timeline for Deposits to Established Accounts
Below is our general policy for deposits to accounts open for more than 30 days. Longer delays may apply, and different rules
apply for checks deposited to accounts open 30 days or less (see page 2).

When a deposit is made by …

Deposited funds are available …

• Electronic direct deposit
• Wire transfer

• The same business day

• Cash
• Check

• The next business day

What is a “Business Day?”
A business day is any day of the week except Saturday, Sunday, and Federal holidays. A deposit made before (time of day) on
a business day is considered deposited that day. A deposit made after that time, or on a day we are closed, is considered
deposited the next business day.

[Check Cashing, Immediate Availability, and Holds on Other Funds
We may cash a check or make a check deposit available immediately if you have funds to cover that check in any of your
accounts with us. If we do, we will hold those funds (equal to the amount of the check) in your other account(s) according to the
timelines described elsewhere in this policy.]

Longer Delays May Apply
Funds from check deposits may be delayed for up to (number) business days if:
o We believe a deposited check will not be paid.
o You deposit checks totaling more than $(large-deposit amount) on any one day.
o You redeposit a check that has been returned unpaid.
o You have overdrawn your account repeatedly in the last 6 months.
o There is an emergency, such as failure of computer or communications equipment.
We will notify you if we delay your ability to withdraw funds, and we will tell you when the funds will be available.

Model C-2 – Next-day availability and section 229.13 exceptions

DEPOSIT AVAILABILITY POLICY (continued)

Availability Timeline for Deposits to New Accounts (Open 30 Days or Less)
When a deposit is made by …

Deposited funds are available …

• Electronic direct deposit
• Wire transfer

• The same business day

• Cash

• U.S. Treasury check payable to you

• The first $(new-account amount) is available on the next
business day
• Any remainder over $(new-account amount) is available in
9 business days

• Government, cashier’s, certified, teller’s, or traveler’s
check that is payable to you [and deposited with a special
deposit slip*]

• The first $(new-account amount) is available on the next
business day if deposited with a teller, otherwise 2
business days

• Postal money order, Federal Reserve Bank check, or
Federal Home Loan Bank check payable to you

• Any remainder over $(new-account amount) is available in
9 business days

• Other checks not specifically described above

• In (number) business days

For example, personal checks, or checks not
written to you
[* Special deposit slips can be obtained in any branch. Government, cashier’s, certified, teller’s, or traveler’s checks will be
processed like “other checks” if they are not deposited with a special deposit slip.]

Model C-3A – Next-day availability, case-by-case holds to statutory limits on check deposits without cash-withdrawal
limitation, and section 229.13 exceptions

DEPOSIT AVAILABILITY POLICY
When a deposit is made to your account, the funds may not be available immediately. For example, if you deposit a check on
Monday, you may not be able to withdraw the funds from that check, and we may not pay another check with those funds, until
Tuesday or even later. See the Availability Timeline below for details about when you can use the funds from different types of
deposits.
If you withdraw funds from a check deposit, and the check is later returned unpaid, we may charge the check back to your
account.

Availability Timeline for Deposits to Established Accounts
Below is our general policy for deposits to accounts open for more than 30 days. Longer delays may apply, and different rules
apply for checks deposited to accounts open 30 days or less (see page 2).

When a deposit is made by …

Deposited funds are available …

• Electronic direct deposit
• Wire transfer

• The same business day

• Cash
• Check

• Usually the next business day, but see “Longer
Delays May Apply” below

What is a “Business Day?”
A business day is any day of the week except Saturday, Sunday, and Federal holidays. A deposit made before (time of day) on
a business day is considered deposited that day. A deposit made after that time, or on a day we are closed, is considered
deposited the next business day.

[Check Cashing, Immediate Availability, and Holds on Other Funds
We may cash a check or make a check deposit available immediately if you have funds to cover that check in any of your
accounts with us. If we do, we will hold those funds (equal to the amount of the check) in your account(s) according to the
timelines described elsewhere in this policy.]

Longer Delays May Apply
Funds from check deposits may not be available according to the timeline described above. In some cases funds may be held for
up to 2 business days. In these cases, the first $(minimum amount) of the deposit will be available on the next business day.
Funds from check deposits may be delayed for up to (number) business days if:
o We believe a deposited check will not be paid.
o You deposit checks totaling more than $(large-deposit amount) on any one day.
o You redeposit a check that has been returned unpaid.
o You have overdrawn your account repeatedly in the last 6 months.
o There is an emergency, such as failure of computer or communications equipment.
We will notify you if we delay your ability to withdraw funds, and we will tell you when the funds will be available.
If you will need the funds from a check deposit right away, ask us when the funds will be available.

Model C-3A – Next-day availability, case-by-case holds to statutory limits on check deposits without cash-withdrawal
limitation, and section 229.13 exceptions

DEPOSIT AVAILABILITY POLICY (continued)

Availability Timeline for Deposits to New Accounts (Open 30 Days or Less)
When a deposit is made by …

Deposited funds are available …

• Electronic direct deposit
• Wire transfer

• The same business day

• Cash

• U.S. Treasury check payable to you

• The first $(new-account amount) is available on the next
business day
• Any remainder over $(new-account amount) is available in
9 business days

• Government, cashier’s, certified, teller’s, or traveler’s
check that is payable to you [and deposited with a special
deposit slip*]

• The first $(new-account amount) is available on the next
business day if deposited with a teller, otherwise 2
business days

• Postal money order, Federal Reserve Bank check, or
Federal Home Loan Bank check payable to you

• Any remainder over $(new-account amount) is available in
9 business days

• Other checks not specifically described above

• In (number) business days

For example, personal checks, or checks not
written to you
[* Special deposit slips can be obtained in any branch. Government, cashier’s, certified, teller’s, or traveler’s checks will be
processed like “other checks” if they are not deposited with a special deposit slip.]

Model C-3B – Next-day availability, case-by-case holds to statutory limits on check deposits with cash-withdrawal limitation,
and section 229.13 exceptions
DEPOSIT AVAILABILITY POLICY
When a deposit is made to your account, the funds may not be available immediately. For example, if you deposit a check on
Monday, you may not be able to withdraw the funds from that check, and we may not pay another check with those funds, until
Tuesday or even later. See the Availability Timeline below for details about when you can use the funds from different types of
deposits.
If you withdraw funds from a check deposit, and the check is later returned unpaid, we may charge the check back to your
account.

Availability Timeline for Deposits to Established Accounts
Below is our general policy for deposits to accounts open for more than 30 days. Longer delays may apply, and different rules
apply for checks deposited to accounts open 30 days or less (see page 2).

When a deposit is made by …

Deposited funds are available …

• Electronic direct deposit
• Wire transfer

• The same business day

• Cash
• Check

• Usually the next business day, but see “Longer
Delays May Apply” below

What is a “Business Day?”
A business day is any day of the week except Saturday, Sunday, and Federal holidays. A deposit made before (time of day) on
a business day is considered deposited that day. A deposit made after that time, or on a day we are closed, is considered
deposited the next business day.

[Check Cashing, Immediate Availability, and Holds on Other Funds
We may cash a check or make a check deposit available immediately if you have funds to cover that check in any of your
accounts with us. If we do, we will hold those funds (equal to the amount of the check) in your account(s) according to the
timelines described elsewhere in this policy.]

Longer Delays May Apply
Funds from check deposits may not be available according to the timeline described above. In some cases funds may be held for
up to three business days, and in other specific cases they may be held for up to (number) business days after the day of your
deposit. We will notify you if we delay your ability to withdraw funds, and we will tell you when the funds will be available.
In the case of a 3 business day hold:
o The first $(minimum amount) of the deposit will be available on the next business day.
o Up to an additional $(cash-withdrawal amount) will be available for cash withdrawal beginning at (time no
later than 5:00 p.m.) on the second business day. The entire deposit (up to $(large-deposit amount)) will
be available for paying checks you have written on the second business day.
o The remainder (up to $(large-deposit amount)) will be available for cash withdrawal on the third business
day.
o Any remainder over $(large-deposit amount) is available in (number) business days for cash withdrawal
and writing checks.
Funds from check deposits may be delayed for up to (number) business days if:
o We believe a deposited check will not be paid.
o You deposit checks totaling more than $(large-deposit amount) on any one day.
o You redeposit a check that has been returned unpaid.
o You have overdrawn your account repeatedly in the last 6 months.
o There is an emergency, such as failure of computer or communications equipment.
If you will need the funds from a check deposit right away, ask us when the funds will be available.

Model C-3B – Next-day availability, case-by-case holds to statutory limits on check deposits with cash-withdrawal limitation,
and section 229.13 exceptions
DEPOSIT AVAILABILITY POLICY (continued)

Availability Timeline for Deposits to New Accounts (Open 30 Days or Less)
When a deposit is made by …

Deposited funds are available …

• Electronic direct deposit
• Wire transfer

• The same business day

• Cash

• U.S. Treasury check payable to you

• The first $(new-account amount) is available on the next
business day
• Any remainder over $(new-account amount) is available in
9 business days

• Government, cashier’s, certified, teller’s, or traveler’s
check that is payable to you [and deposited with a special
deposit slip*]

• The first $(new-account amount) is available on the next
business day if deposited with a teller, otherwise 2
business days

• Postal money order, Federal Reserve Bank check, or
Federal Home Loan Bank check payable to you

• Any remainder over $(new-account amount) is available in
9 business days

• Other checks not specifically described above

• In (number) business days

For example, personal checks, or checks not
written to you
[* Special deposit slips can be obtained in any branch. Government, cashier’s, certified, teller’s, or traveler’s checks will be
processed like “other checks” if they are not deposited with a special deposit slip.]

Model C-4A – Holds to statutory limits on all deposits without cash-withdrawal limitation

DEPOSIT AVAILABILITY POLICY
When a deposit is made to your account, the funds may not be available immediately. For example, if you deposit a check on
Monday, you may not be able to withdraw the funds from that check, and we may not pay another check with those funds, until
Tuesday or even later. See the Availability Timeline below for details about when you can use the funds from different types of
deposits.
If you withdraw funds from a check deposit, and the check is later returned unpaid, we may charge the check back to your
account.

Availability Timeline for Deposits to Established Accounts
Below is our general policy for deposits to accounts open for more than 30 days. Longer delays may apply, and different rules
apply for checks deposited to accounts open 30 days or less (see page 2).
A business day is any day of the week except Saturday, Sunday, and Federal holidays. A deposit made before (time of day)
on a business day is considered deposited that day. A deposit made after that time, or on a day we are closed, is considered
deposited the next business day.

When a deposit is made by …

Deposited funds are available …

• Electronic direct deposit

• The same business day

• Wire transfer

• The next business day

• Cash

• The next business day if deposited with a teller, otherwise 2
business days

• Check from an account at this bank

• The first $(large-deposit amount) is available on the next
business day
• Any remainder over $(large-deposit amount) is available in 2
business days

• U.S. Treasury check payable to you
• Government, cashier’s, certified, or teller’s check
payable to you and deposited with a teller [with a
special deposit slip*]

• The first $(large-deposit amount) is available on the next
business day
• Any remainder over $(large-deposit amount) is available in
(number) business days

• Postal money order, Federal Reserve Bank check,
or Federal Home Loan bank check payable to you
and deposited with a teller
• Other checks not specifically described above
For example, personal checks, or checks
not written to you

• The first $(minimum amount) is available on the next
business day
• The remainder (up to $(large-deposit amount)) is available in
2 business days
• Any remainder over $(large-deposit amount) is available in
(number) business days

[* Special deposit slips can be obtained in any branch. Government, cashier’s, certified, or teller’s checks will be processed like
“other checks” if they are not deposited with a special deposit slip.]

[Check Cashing, Immediate Availability, and Holds on Other Funds
We may cash a check or make a check deposit available immediately if you have funds to cover that check in any of
your accounts with us. If we do, we will hold those funds (equal to the amount of the check) in your account(s)
according to the timelines described elsewhere in this policy.]

Model C-4A – Holds to statutory limits on all deposits without cash-withdrawal limitation

DEPOSIT AVAILABILITY POLICY (continued)
Longer Delays May Apply
Funds from check deposits may be delayed for up to (number) business days if:
• We believe a deposited check will not be paid.
• You deposit checks totaling more than $(large-deposit amount) on any one day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last 6 months.
• There is a bank 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.

Availability Timeline for Deposits to New Accounts (Open 30 Days or Less)
When a deposit is made by …

Deposited funds are available …

• Electronic direct deposit

• The same business day

• Wire transfer

• The next business day

• Cash

• The next business day if deposited with a teller, otherwise
2 business days

• U.S. Treasury check payable to you

• The first $(new-account amount) is available on the next
business day
• Any remainder over $(new-account amount) is available in
9 business days

• Government, cashier’s, certified, teller’s, or traveler’s
check that is payable to you [and deposited with a special
deposit slip*]

• The first $(new-account amount) is available on the next
business day if deposited with a teller, otherwise 2
business days

• Postal money order, Federal Reserve Bank check, or
Federal Home Loan Bank check payable to you

• Any remainder over $(new-account amount) is available in
9 business days

• Other checks not specifically described above

• In (number) business days

For example, personal checks, or checks not
written to you
[* Special deposit slips can be obtained in any branch. Government, cashier’s, certified, teller’s, traveler’s checks will be
processed like “other checks” if they are not deposited with a special deposit slip.]

Model C-4B – Holds to statutory limits on all deposits with cash-withdrawal limitation

DEPOSIT AVAILABILITY POLICY
When a deposit is made to your account, the funds may not be available immediately. For example, if you deposit a check on Monday, you may
not be able to withdraw the funds from that check, and we may not pay another check with those funds, until Tuesday or even later. See the
Availability Timeline below for details about when you can use the funds from different types of deposits.
If you withdraw funds from a check deposit, and the check is later returned unpaid, we may charge the check back to your account.
Availability Timeline for Deposits to Established Accounts
Below is our general policy for deposits to accounts open for more than 30 days. Longer delays may apply, and different rules apply for
checks deposited to accounts open 30 days or less (see page 2).
A business day is any day of the week except Saturday, Sunday, and Federal holidays. A deposit made before (time of day) on a business day
is considered deposited that day. A deposit made after that time, or on a day we are closed, is considered deposited the next business day.
When a deposit is made by …

Deposited funds are available …

• Electronic direct deposit

• The same business day

• Wire transfer

• The next business day

• Cash

• The next business day if deposited with a teller, otherwise 2
business days

• Check from an account at this bank

• The first $(large-deposit amount) is available on the next business
day
• Any remainder over $(large-deposit amount) is available in 2
business days

• U.S. Treasury check payable to you
• Government, cashier’s, certified, or teller’s check payable
to you and deposited with a teller [with a special deposit slip*]
• Postal money order, Federal Reserve Bank check, or
Federal Home Loan bank check payable to you and
deposited with a teller
• Other checks not specifically described above
For example, personal checks, or checks not
written to you

• The first $(large-deposit amount) is available on the next business
day
• Any remainder over $(large-deposit amount) is available in (number)
business days

For writing checks:
• The first $(minimum amount) is available on the next
business day
• The remainder (up to $(large-deposit amount)) is available in 2
business days
For cash withdrawal:
• The first $(minimum amount) is available on the next business
day
• Up to an additional $(cash-withdrawal amount) is available on the
second business day at (time no later than 5:00 p.m.)
• The remainder (up to $(large-deposit amount)) is available in 3
business days
Any remainder over $(large-deposit amount) is available in (number)
business days for cash withdrawal and for writing checks

[* Special deposit slips can be obtained in any branch. Government, cashier’s, certified, or teller’s checks will be processed like “other checks” if
they are not deposited with a special deposit slip.]
[Check Cashing, Immediate Availability, and Holds on Other Funds
We may cash a check or make a check deposit available immediately if you have funds to cover that check in any of your accounts
with us. If we do, we will hold those funds (equal to the amount of the check) in your account(s) according to the timelines described
elsewhere in this policy.]

Model C-4B – Holds to statutory limits on all deposits with cash-withdrawal limitation

DEPOSIT AVAILABILITY POLICY (continued)

Longer Delays May Apply
Funds from check deposits may be delayed for up to (number) business days if:
• We believe a deposited check will not be paid.
• You deposit checks totaling more than $(large-deposit amount) on any one day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last 6 months.
• There is a bank 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.

Availability Timeline for Deposits to New Accounts (Open 30 Days or Less)
When a deposit is made by …

Deposited funds are available …

• Electronic direct deposit

• The same business day

• Wire transfer

• The next business day

• Cash

• The next business day if deposited with a teller, otherwise 2
business days

• U.S. Treasury check payable to you

• The first $(new-account amount) is available on the next business
day
• Any remainder over $(new-account amount) is available in 9
business days

• Government, cashier’s, certified, teller’s, or traveler’s check
that is payable to you [and deposited with a special deposit slip*]

• The first $(new-account amount) is available on the next business
day if deposited with a teller, otherwise 2 business days

• Postal money order, Federal Reserve Bank check, or Federal
Home Loan Bank check payable to you

• Any remainder over $(new-account amount) is available in 9
business days

• Other checks not specifically described above

• In (number) business days

For example, personal checks, or checks not written
to you
[* Special deposit slips can be obtained in any branch. Government, cashier’s, certified, teller’s, traveler’s checks will be processed like “other
checks” if they are not deposited with a special deposit slip.]

Model C-9 – Exception or reasonable-cause hold notice

NOTICE OF HOLD ON DEPOSIT

This notice is to inform you that we are placing a

(number)-DAY HOLD on $(deposit amount)
recently deposited to your account.

You will not be able to withdraw or otherwise use money from the deposit described below
until the hold is removed in (number) business days on (date).
Account Holder: (name)
Account Number: (number or code)
Date of Deposit: (date)
Deposit Amount: $(deposit amount)
Hold Amount: $(hold amount)
Funds will be available: (date)
Reason for Hold: (reason for hold)
[If we did not notify you of this hold when you made the deposit, you can request a refund
of any overdraft or returned check fees that result from the hold once the check is paid. To
request a refund of such fees, (description of procedure for obtaining refund).]

Model C-10 – One-time notice for large-deposit and redeposited-check exception holds

HOLDS ON LARGE DEPOSITS AND REDEPOSITED CHECKS

If you deposit into your account:
• Checks totaling more than $(large-deposit
amount) on any one day

• The first $(large-deposit amount) deposited on any one day
will be available according to our general policy
• The amount over $(large-deposit amount) will generally be
available on the second business day for checks drawn on
(bank name), or in (number) business days for other checks
• If the deposit is a mix of checks drawn on (bank name) and
other checks, the checks drawn on (bank name) will be
counted toward the first $(large-deposit amount), followed by
the other checks

• A check that has been returned unpaid

• The funds will generally be available on the second business
day for checks drawn on (bank name), or in (number)
business days for other checks

Model C-11 – One-time notice for repeated-overdraft exception holds

NOTICE OF EXTENDED HOLDS

As a result of repeated overdrafts to your account

you will have delayed access to check deposits
made to your account between (date of notice) and (date, 6 months from
date of notice)

Account Holder: (name)
Account Number: (number or code)
Date of Notice: (date of notice)
Availability:

• Checks drawn on (bank name) will be available in 2 business days
• Other checks will be available in (number) business days

Model C-12A – Case-by-case hold notice without cash-withdrawal limitation

NOTICE OF HOLD ON DEPOSIT

This notice is to inform you that we are placing a

(number)-DAY HOLD on $(deposit amount)
recently deposited to your account.

You will not have full access to all the money from the deposit described below until the hold
is removed in (number) business days on (date). See below for more information.
Account Holder: (name)
Account Number: (number or code)
Date of Deposit: (date)
Availability Timeline:

• The first $(minimum amount) will be available on (date)
• The remaining $(amount held) will be available on (date)

[If we did not notify you of this hold when you made the deposit, you can request a refund of
any overdraft or returned check fees that result from the hold once the check is paid. To request
a refund of such fees, (description of procedure for obtaining refund).]

Model C-12B – Case-by-case hold notice with cash-withdrawal limitation

NOTICE OF HOLD ON DEPOSIT

This notice is to inform you that we are placing a

(number)-DAY HOLD on $(deposit amount)
recently deposited to your account.

You will not have full access to all the money from the deposit described below until the hold
is removed in (number) business days on (date). See below for more information.
Account Holder: (name)
Account Number: (number or code)
Date of Deposit: (date)
Availability Timeline: For writing checks:
• The first $(minimum amount) will be available on (date)
• The remaining $(amount held) will be available at (time) on (date)
For cash withdrawal:
• The first $(minimum amount) will be available on (date)
• Up to an additional $(cash-withdrawal amount) will be available at
(time no later than 5:00 p.m.) on (date)
• The remaining $(amount held) will be available on (date)
[If we did not notify you of this hold when you made the deposit, you can request a refund of
any overdraft or returned check fees that result from the hold once the check is paid. To request
a refund of such fees, (description of procedure for obtaining refund).]

Model C-13 – Notice at locations where employees accept consumer deposits

DEPOSIT AVAILABILITY POLICY

How soon can I withdraw funds deposited into my account?
When a deposit is made by …

Deposited funds are available …

Electronic direct deposit

• The same day

Cash; wire transfer; cashier’s, certified,
teller’s or government check; or a check
from an account at this bank

• The next business day

Any other check

• The first $(minimum amount) is available the next
business day
• The remainder is generally available by the
(number) business day after the deposit

Model C-14 – Notice at locations where employees accept consumer deposits (case-by-case holds)

DEPOSIT AVAILABILITY POLICY

How soon can I withdraw funds deposited into my account?
When a deposit is made by …
Electronic direct deposit, wire transfer,
or cash

Deposited funds are available …
• The same day
• Usually the next business day

Check

However, we may place a hold on check deposits.
In these cases, funds will generally be available by
the (number) business day after the deposit.

If you will need the funds from a check deposit right away, you should ask us when the
funds will be available.