Funds Availability Policy

Your Ability to Withdraw Funds

This policy statement applies to transaction accounts, which in general, are accounts which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Checking accounts are the most common transaction accounts. Feel free to ask us whether any of your other accounts might also be under this policy.

Our policy is to make funds from your cash deposit, available to you the day of deposit, and check 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 available, you can withdraw the funds in cash and we will use the funds to pay checks, debit card withdrawals and electronic transactions that you initiated. Please remember that even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit on a business day we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at a night drop location on a day we are not open or after 2:00 pm local time at the branch office where the night drop is located, we will consider that the deposit was made on the next business day we are open.

If you make a deposit at an ATM before 8:00 pm central time/7:00 pm mountain time 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 at an ATM after 8:00 pm central time/7:00 pm mountain time or on a day we are not open we will consider that the deposit was made on the next business day we are open.

If you make a deposit using Mobile Deposit Capture before 6:00 p.m. central time/5:00 p.m. mountain time 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 using Mobile Deposit Capture after 6:00 p.m. central time/5:00 p.m. mountain time or on a day when we are not open we will consider that the deposit was made on the next business day we are open.

If you make a deposit using Remote Deposit Capture before 8:00 p.m. central time/7:00 p.m. mountain time 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 using Remote Deposit Capture after 8:00 p.m. central time/7:00 p.m. mountain time or on a day when we are not open we will consider that the deposit was made on the next business day we are open.

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. If we are not going to make all 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.

Case-By-Case Delays - 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 on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $225 of your deposit, however, may be available on the first business day after the day of your deposit.

Safeguard Exception Delays - 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 $5,525 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. They will generally 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 may 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 $5,525 of a day's total deposits of official, 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 (and you may have to use a special deposit slip). The excess over $5,525 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 $5,525 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 eleventh business day after the day of your deposit.