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Funds Availability

1. Deposits taken by a teller or at the ITM will be acknowledged as received on the same business day. Deposits received by an automated teller machine before 5:00 p.m. will be acknowledged on the same business day. Every day is a business day except Sundays and Federal Holidays observed by WSB. If you make a deposit to a teller before the branch closes on a business day we are open, we consider that day to be the day of your deposit. However, if you make a deposit on a non-banking day, we will consider that the deposit was made on the next business day we are open.

2. It is our policy to make funds from your deposits available on the first business day following receipt of your deposit. Electronic direct deposits will be made available on the day we receive the deposit. At that time you may withdraw funds in cash and we will use the funds to pay checks you have written.

3. Longer delays may apply: if we believe a check you deposit will not be paid; if you deposit checks totaling more than $5,000 on any one day; if you redeposit a check that has been returned unpaid; if you have overdrawn your account repeatedly in the past six months or if there has been an emergency such as failure of communications or computer equipment. We will notify you at the time of deposit or by mailed notice if your funds are to be delayed for any of these reasons, and will tell you when the funds will be available. We will make the funds available in accordance with federal regulations.

4. If you are a new customer, 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 or wire transfers, and the first $5,000 of a day's total deposit of U.S. Treasury checks, cashier's, certified, money orders, traveler's, and state and local government checks will be available on the first business day following your deposit, if the checks are payable to you and the deposit is made in person to one of our employees. Funds from all other check deposits will be available within five business days following the day of your deposit.

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