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| EnerGComm Bulletin Board | ||||||
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FUNDS AVAILABILITY DISCLOSURE This policy statement applies to all accounts at the ENERGCOMM FEDERAL CREDIT UNION. Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. Please remember
that even after we have made funds available to you and you have withdrawn
the funds, you are still responsible for the checks you deposit before
that are returned to us unpaid and for any other problems involving your
deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and federal holidays. If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open. If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. LONGER DELAYS MAY APPLY In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. However, the first $100 of your deposits will be available on the first business day after we receive your deposit. If we are not going to make all of the funds from your deposit available on the first business day after we receive your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds would be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: - We believe
a check you deposit will not be paid. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit. DEPOSITS TO AUTOMATED TELLER MACHINES Funds from any deposits (cash or checks) made at automated teller machines (ATMs) will not be available until the fifth business day after the day of your deposit. The ENERGCOMM CREDIT UNION ATM does not handle deposits. |
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| Warning - Internet Pirates are trying to Steal Your Personal Financial Information | ||||||
| By NCUA | ||||||
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| There’s a new type of Internet piracy called "phishing." It’s pronounced "fishing," and that’s exactly what these thieves are do... | ||||||
| IMPORTANT NOTICE TO MEMBERS CHECK 21 Officially called CHECK CLEARING FOR THE 21ST CENTURY ACT |
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| By EnerGComm Federal Credit Union | ||||||
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| Starting in October 2004, federal law will recognize a new type of payment document called a “substitute check” that will... | ||||||
| Introducing Verified By Visa | ||||||
| By EnerGComm Federal Credit Union | ||||||
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| Now you can give your online purchases the added safety of Verified by Visa password protection.
Take the Visa card you a... |
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| Credit Union Web Site Legitimacy & Deposit Insurance | ||||||
| By NCUA | ||||||
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| Credit Union Web Site Legitimacy & Share Deposit Insurance
When performing transactions on the credit union's Web... |
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| Debit Cards: Money Management Made Easy | ||||||
| By EnerGComm Credit Union | ||||||
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It's payday. You come to the credit union to cash your check, or maybe it's automatically deposited into your account. You bu... |
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| Soldiers' And Sailors' Civil Relief Act | ||||||
| By Authority. Title 50, Appendix, United States Code, Sections 501-593. | ||||||
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| Scope of Protection
The Soldiers’ and Sailors’ Civil Relief Act of 1940 (SSCRA), as amended, was passed by Congre... |
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| Once A Member Always A Member | ||||||
| By EnerGComm Federal Credit Union | ||||||
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| Leaving town, going to a new job, or retiring. Those are all personal milestones, but none of those events means you have to lea... | ||||||
| The Credit Union Difference | ||||||
| By Laurel FCU | ||||||
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| The difference between credit unions and banks can be summarized as follows:
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