YOUR ABILITY TO WITHDRAW FUNDS
This policy statement applies to all deposit accounts.

Our policy is to make funds from your cash 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 the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that  are  returned  to  us  unpaid  and  for  any  other  problems  involving  your deposit.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 before 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 closing 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  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.  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  for deposit  a check  that is drawn  on another bank,  we  may make  funds  from the  deposit  available  for withdrawal immediately  but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with  us. The funds in the other account would then not  be  available  for withdrawal  until  the   time   periods  that  are  described elsewhere in this disclosure for the type of check that you deposited.

LONGER DELAYS MAY APPLY
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 $200 of your deposits, however, 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.

   Safeguard exceptions. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

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 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 (and you may have to use a special deposit slip). 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 eleventh business day after the day of your deposit.