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WebGenerally, a bank must make the first $225 from the deposit availablefor either cash withdrawal or check writing purposesat the start of the next business day after the Or. (. You can learn more at Consumer Funds Availability Policy or Business Funds Availability Policy. WebCinfed Credit Unions Mobile Banking gives you secure and convenient account access, 24/7. Web(2) Checks not deposited in person. Have any questions? Foothill Federal Credit Union Mobile Check Deposit Theres no charge to have instant access of up to $500 of your total check deposits when you make a deposit. (. If it does, review the credit unions procedures for placing these holds. Restrictive Endorsement. Do credit union disclosures accurately reflect the credit unions practice for making deposited funds available for new accounts? Mobile Check Deposit When are mobile deposits available? When the credit union invokes a reasonable-cause exception, does it provide the customer with a written notice of exception at the time the deposit is made, if the deposit is made in person to an employee of the credit union? The deposited check was paid by the paying credit union? Mobile Deposits: Generally, the first $225 or $1,000 (as described above) of your deposit will be available no later than the second business day after we receive the deposit (additional delays may apply). Does the credit union invoke the emergency-conditions exception only in the following circumstances and when the credit union has exercised necessary diligence as circumstances require: An interruption of communications or computer or other equipment. When funds must be available on a given business day, does the credit union make the funds available at the later of 9:00 a.m. or the time the credit unions teller facilities (including ATMs) are available for account withdrawals? NOTE: The credit union may extend the time periods set forth in 229.12 by one business day in the case of any deposit, other than a deposit discussed in 229.10 (next day availability), that is: 1A reconverting bank is the bank that creates a substitute check; if a nonbank creates a substitute check, the reconverting bank is the first bank to transfer, present, or return the substitute check (or the first paper or electronic representation of that substitute check) for consideration.