Our policy is to make funds from your check deposits available to you on the first business day after we receive your deposit. Funds from cash, wire transfers and electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.

Determining the availability of a deposit:

The length of the delay is counted in business days from the day of your deposit. Every day is a business day except Saturdays, Sundays and federal holidays. If you make a deposit anytime on a business day that we are open, we will consider that day to be the day of your deposit. The length of the delay varies depending on the type of deposit and is explained below.

Same day availability:

• Cash
• Funds from electronic direct deposits and wire transfers to your account.
• Items drawn on American Bank

Next-day availability:

Funds from the following deposits are available on the first business day after the day of your deposit:

• U.S. Treasury checks that are payable to you
• State and local government checks that are payable to you
• Cashier's, certified and teller's checks that are payable to you
• Federal Reserve checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you.

If you make the deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit:

• Cash
• State and local government checks that are payable to you
• Cashier's, certified and teller's checks that are payable to your Federal Reserve checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you.

If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second business day after the day of your deposit.

Other check deposits:

The first $100 from a deposit of checks will be available on the first business day after the day of your deposit. The remaining funds will be available on the second business day after the day of your deposit.

For example, if you deposit a check of $700 on a Monday, $100 of the deposit is available on Tuesday. The remaining $600 is available on Wednesday.

Longer delays may apply:

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 9th 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, wire transfers and cash into your account will be available on the day we receive the deposit. 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 9th business day after the day of your deposit.