Funds Availability Disclosure

Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are payable, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.

For determining the availability of your deposits, every day is a business day except Saturdays and Sundays and federal holidays. If you make a deposit before 4:00 PM CST, Monday through Thursday, and 5:30 PM CST on Fridays 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 4:00 PM CST, Monday through Thursday, and 5:30 PM CST on Fridays or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

All internet banking transfers initiated after 2:00 PM CST will be processed and dated the following business day.

Longer delays may apply

In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending upon 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 will be available on the first business day.

If we are not going to make all of the funds from your deposit available on the first 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 is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the 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, funds you deposit by check may be delayed for a longer period under 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 last 6 months
  • There is an emergency, such as failure of communications or computer 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 be available no later than 7 business days after the day of your deposit. New Account funds, however, will be available on the 11th business day after the day of the deposit.