Member Services Agreement - NASA Federal Credit Union

If you do not make your deposit in person to one of our employees (forexample, made at an ATM or mailed in), funds from these deposits willbe available no later than the second (2nd) business day after the day wereceive your deposit.Availability of Other Check Deposits. The first $200 from theaggregate of deposits will be available no later than the first (1st) businessday after the day of your deposit. The remaining funds will be available onthe second (2nd) business day after the day of your deposit.Longer Delays May Apply. Additionally, funds deposited by checkmay be delayed for a longer period under the following circumstances:• There is reason to believe a check you deposit will not be paid• You deposit checks totaling more than $5,000 on any one day• A check is re-deposited that has been previously returned unpaid• You have overdrawn your account and/or have had return depositsrepeatedly in the last 6 months• There is an emergency, such as a failure of computer orcommunication equipmentWe will notify you if we delay your ability to withdraw funds for any of thesereasons, and we will tell you when the funds will be available. They willgenerally be available no later than the seventh (7th) business day after theday of your deposit.Special Rules for New Accounts. If you are a new member, thefollowing special rules will apply during the first thirty (30) days youraccount is open.Funds from deposits of cash, wire transfers, and the first $5,000 of a day’stotal deposits of cashier’s, certified, travelers, and federal, state and localgovernment checks will be available on the next business day after the dayof your deposit if that deposit meets certain conditions. For example, thechecks are payable to you. The excess over $5,000 will be available on theninth (9th) business day after the day of your deposit. If your deposit ofthese checks (other than U.S. Treasury check payable to you) is not made inperson to one our employees, the first $5,000 will not be available until thesecond (2nd) business day after the day of your deposit. Funds from all otherchecks will be available no later than the ninth (9th) business day after theday of your deposit.27