Summary of DCU Funds Availability

Funds Available on Same Business Day of Deposit | Availability Schedule for other Deposits

Following is an availability schedule associated with deposits made to your DCU Account. Local and non-local refer to the location of a check's paying institution relative to the location where you deposit the check. Local means both are within the same Federal Reserve district.

The expiration of the hold period, and subsequent availability of the deposited funds in your DCU account does not necessarily mean the deposited item has in fact cleared the account against which it was drawn. To confirm this you must contact the paying bank. If any item you cash or deposit with us is returned unpaid by the paying bank, we may debit from your account both the amount of the item and the applicable fee as listed in your Schedule of Fees and Service Charges.

For DCU's complete Funds Availability Policy, see Part IV of the Truth In Savings Disclosure and Account Agreements.

Funds Available on Business Day of Deposit

Cash
Checks drawn on DCU
First endorsed: Cashier's, Certified, and Treasurer's Checks; items directly affiliated with sponsor companies (i.e. payroll, investor services, insurance, relocation); Federal, State, and Local Government Checks; Insurance Checks payable to DCU and member (with paid work order); Money Orders, and Traveler's Cheques.
Electronic Funds Transfers (Direct Deposit, ACH Deposit)
Wire Transfers
No less than $200 from any DCU Branch or proprietary ATM deposit. Longer delays of up to five business days may apply on deposits made at non-proprietary ATMs. ATMs that you own or operate (proprietary) will be identified as DCU machines.

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Availability Schedule for other Deposits

WHEN OTHER FUNDS BECOME AVAILABLE

Checks Deposited on Monday

No less than $200 will be available by the first business day after the day of deposit	or Tuesday
Up to an additional $4,800 on the second business day after the day of deposit (up to $5,000 now available)	or Wednesday
All funds remaining on the fourth business day after the day of deposit.	or Friday

Funds I deposit by check may be delayed for a longer period of time under the following circumstances:

The item is deposited within 30 calendar days of the opening of the account
The item is an insurance draft, that is, payable through another institution
You received notice that the item(s)has been or will be dishonored
The item is being deposited into an account with a history of collection problems
The item is drawn on an office located outside of the United States
The item is subject to processing delay; that is presentment delay, a mutilated item, or an improperly encoded item

I will be notified if a longer delay was applied.

Any delay beyond the time limits prescribed above shall be excused if caused by interruption of communication facilities, suspension of payment by a bank or savings institution, emergency conditions, or other circumstances beyond our control.

In no event does the above policy effect our right to accept or reject an item for deposit or to require written notice of an intended withdrawal.

NON-MEMBERS ONLY

If cashing a DCU Check, there will be a $5 check cashing fee subtracted from the amount disbursed.

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