When using Online Banking pay attention to the available balances section. Your available balance is your
balance less any funds that are "on hold" due to deposits, debit card transactions or loan
To view any items you have on hold, click on 'Accounts’ in the sub menu bar of Online Banking and then, click on the link to any of your deposit accounts. On the following screen, select "View Holds" from the sub menu.
Personal checks being deposited in excess of $1000.00 per day may have availability of funds delayed between 3 and
9 business days (depending on the amount deposited and the location of the financial institution on which they are
drawn). This includes business checks drawn on companies that are not well known.
Debit Card ATM transactions (those requiring a PIN to be entered) usually post right away.
Debit Card purchase transactions may also place a hold against available funds for several days, until the
purchase posts. Any time you change your mind after a purchase has been authorized, the hold may remain on the
account for 5 business days. Be sure to keep the receipts showing the reversal. (If your account is running close
and you need those funds released, you will need to provide the Credit Union with copies of both receipts.)