Funds deposited and received for credit to any member accounts maintained with us are available for payment of checks to others or for cash withdrawal - as these functions apply to the specific types of accounts.

Note: provisions do not apply to checks drawn on banks outside the United States, its territories, and possessions.

Generally, funds are available to you on the day of deposit. Electronic deposits are also available on the day we receive the deposit. For determining the availability of your deposits, contact us. Deposits made on non-business days or after hours of operation will be registered by the end of the following business day.

The first $100 dollars of your deposits will be available on the first business day. You will be notified at the time of the deposit or by mail if funds are not readily available, and when they will be available. Delays are usually resolved within five business days.

The following criteria may delay "same-day" withdrawals with us:

• Checks deposited total more than $5,000 on any one day
• CJFCU believes that the checks deposited will not be paid by the issuer
• Redeposited check has been returned unpaid
• Account has been overdrawn in a few instances over the last six months
• Emergency, such as power failure or temporary maintenance of communications and computer equipment, has occurred