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FUNDS AVAILABILITY POLICY FOR NON-PROPRIETARY ATM DEPOSITS Acacia FSB Acacia Federal does not own any ATMs. Funds from any deposits (cash or checks) made at ATMs we do not own or operate will be available according to the following schedule. We will make $100 available on the first business day after the day of deposit, unless exception holds are applied. The remainder of the deposit will be available on the second business day after the day of your deposit, unless exception holds are applied. For deposits at ATMs, cut-off times vary according to the financial institution that operates the ATM. Acacia Federal does not have control of cut-off times for ATMs operated by other financial institutions. Deposits made after the applicable cut-off time will be considered made on the next business day. Signs may be posted on ATMs that state the ATM cut-off time. If the time is not posted, in general, make your deposit before noon Monday through Friday (excluding federal holidays), and it will likely be treated as if made on that day. If you deposit after noon Monday through Friday, on a weekend or on a federal holiday, your deposit will be treated as if the deposit was made the following business day. |