YOUR ABILITY TO WITHDRAW FUNDS
Our general policy is to make funds from your deposits available to you for withdrawal on the day we receive your deposit. Electronic deposits will be available on the day we receive the deposit. At that time you can withdraw the funds in cash/or we will use the funds to pay checks that you have written. Mail deposits are considered made on the business day that they are received by us.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and Federal holidays.

If your deposit is received at a branch before closing time on a business day that we are open, we will consider that day to be the day of your deposit.

If you make a deposit after this 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 after 8:00 p.m. at an ATM on a business day, we will consider that the deposit was made on the next business day; if you make a deposit on Saturday, Sunday or a legal holiday, we will consider that the deposit was made on the next business day.

If we cash a check for you that is drawn on another financial institution, 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.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

DROP BOX/EXTERNAL DEPOSITORY
The Lobby Drop Boxes and External Depositories are opened and deposits removed every business day that we are open. Not all branches have the same business hours. Therefore, Drop Box or External Depository deposits made after the time specified on the drop box or depository, will not be considered received until the next business day.

PROPRIETARY ATMs
All ATMs that we own and operate are identified as our machines and display Travis Credit Union’s logo. Funds from deposits made at any of our ATMs are subject to verification, may not be available for immediate withdrawal, but will generally be available for withdrawal two business days following the date of deposit. Longer delays may apply. However, at least $100 from each day’s total deposit(s) will be available on the business day following the date of deposit. You will be notified if a longer hold is placed and when those funds will be available for your use.

NONPROPRIETARY ATMs
Deposits can also be made at certain Non-Travis ATMs displaying the "CO-OP” or “STAR DEPOSIT" symbols. These ATMs are not owned nor operated by Travis Credit Union. Funds from deposits made at any of these ATMs are also subject to verification, may not be available for immediate withdrawal, but will generally be available for withdrawal five business days following the date of deposit. Longer delays may apply. However, at least $100 from each day’s total deposit(s) will be available on the business day following the date of deposit. You will be notified if a longer hold is placed and when those funds will be available for your use.


ITEMS ACCEPTED FOR COLLECTION
The Credit Union reserves the right to refuse any item submitted for deposit. We will, at the member’s request, accept for collection certain items such as insurance drafts, checks drawn on foreign financial institutions, or a noncash items. This means that we will mail these checks directly to the paying financial institution for payment and upon receipt of payment, will credit your account. When these checks will be paid is strictly up to the discretion of the paying financial institution. There may be a fee assessed for this service.

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 day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. However, the first $100 of your check deposits 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 day of deposit, 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 the 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 six 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 the eleventh business day after the day of your deposit.


SPECIAL RULES FOR NEW ACCOUNTS
If you are a new member, the following special rules may apply during the first thirty (30) days your account is open.

Funds from ACH and wire transfers into your account will be available on the day we receive the transfer.

Funds from deposits of cash 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 day we receive your deposit, if the deposit meets certain conditions. For example, the check(s) must be payable to you. The excess over $5,000 will be available on the ninth business day after the day of your deposit. If you do not make the deposit in person to one of your 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 ninth business day after the day of your deposit unless your deposit is held for a longer period for a reason noted in the “LONGER DELAYS MAY APPLY” section.


HOW TO CONTACT US
Call (707) 449-4000 or (800) 877-8328
8:00 a.m. to 7:00 p.m., Monday through Friday, 9:00 a.m. to 5:00 p.m. on Saturdays, excluding holidays (Pacific time). You may also visit any Credit Union office or write us at the address below:

Travis Credit Union
Attn: Member Service Center
P.O. Box 2069
Vacaville, CA 95696-2069



TCU-374 07/07