Policies....

CHECK HOLD ON DEPOSITED FUNDS
ANY CHECK YOU DEPOSIT TO AN
ATD FEDERAL CREDIT UNION ACCOUNT IS SUBJECT TO
APPLICABLE CHECK HOLDS.

This hold period varies with the location of the financial institution your check is drawn on, according to the following schedule:

NEXT DAY AVAILABILITY: Cash Deposits, Electronic Payments, Cashier’s or Certified Checks, Money Orders, Checks drawn on Federal Reserve Bank or Federal Home Loan Bank, checks drawn on the Treasury of the United States or a state or local government agency.

SECOND DAY AVAILABILITY: A local check, check drawn on the Treasury of the United States, US Postal money order or a check drawn on a Federal Reserve Bank or Federal Home Loan Bank, a check drawn by a state or unit of general local government, or a cashier’s, certified, or teller’s check: if any check referred to is a local check that is not governed by the next-day availability requirements.

FIFTH DAY AVAILABILITY: A nonlocal check, a check drawn in a Federal Reserve Bank or Federal Home Loan Bank; a check drawn by a state or until of general local government, or a cashier’s, certified pr teller’s check; or a check deposited in a branch of the depository Credit Union and drawn on the same or another branch of the same Credit Union, if any check referred to is a nonlocal check that is not governed by the next-day availability requirements.

Exceptions to the availability schedule apply in the case of:

* Withdrawals by cash or similar means
* New Accounts
* Large Deposits ($5,000.00 or greater)
* Redeposited checks
* Reasonable cause to doubt collectibility
* Emergency Conditions

Should a hold be placed on your account, you will be notified of the exact period and amount.

REGULATION CC NOTICE DECEMBER 1, 2005

For further information on ATDFCU policies, stop by the Credit Union office or call 408-365-4444
Policies may be changed without notice.

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