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Reg CC - Funds Availability Chart (the outer limit) Deposit Type

Cash 229.10(a) $ Electronic Payments 229.10(b) $ US Treasury checks 229.10(c)(i)/ 229.12(b)(2) $ U.S. Postal Service money order 229.10(c)(ii) $ Federal Reserve Bank & Fed. Home Loan bank checks 229.10(c)(iii) $ State or Local Gov. Checks 229.10(c)(iv) $ Cashier's , Certified or Teller's Deposited in person to an Checks employee & in an acct. of a 229.10(c)(v) payee $ On-Us Checks 229.10(c)(vi) $ Local Checks 229.10(c)(vii) 229.12 $ Local on-us checks Check held under 229.13 exception.
Only one day for this exception. Not defined UCC 4-215(e) • A reasonable period after the condition has ceased or • the normal avail period • A reasonable period after the condition has ceased or • the normal avail period
-Indorsed to another? .12(b)(2) [Add 5 days] -Depo. In acct. of payee? .10(c) [2nd day (like local ck) &"reasonable period"]

Normal Availability Schedule
Next-Day Sec 229.10 2nd Day Sec 229.12(b) Add 1 Day Sec 229.12(d) withdraw in cash
No later than 5 Biz. Days Sec 229.12(f) Nonproprietary ATM

Extended Availability Schedule
Add 5 Days Sec 229.13 Exceptions (b-e)

Sec 229.13(a) New Accts

Sec 229.13(f) Emergency Conditions (The later of )

Deposited in person to an employee

Deposited at propriety ATM or night depository

N/A

Deposited at nonproprietary ATM

N/A

N/A

N/A

Bank has received actual & final credit

N/A

N/A

N/A

N/A

N/A

N/A

Deposited in an acct of a payee

indorsed to another .12 or exceeds $5,000 .10(c)(1)(i)

-Indorsed to another? .12(b)(2) [Add 5 days]

indorsed to another

indorsed to another

-Depo. In acct. of payee? .10(c) [2nd day (like local ck) &"reasonable period"]

over $5,000 not later than 9th biz day • A reasonable period after the or UCC 4-215(e) - which ever comes condition has ceased or first • the normal avail period

Deposited in person to an Not deposited in person &/or to Not deposited in person &/or to Not deposited in person &/or to employee & in account of payee an acct of a payee an acct of a payee an acct of a payee

-Indorsed to another? .12(b)(2) [Add 5 days] -Depo. In acct. of payee? .10(c) [2nd day (like local ck) &"reasonable period"]

over $5,000 not later than 9th biz day • A reasonable period after the or UCC 4-215(e) - which ever comes condition has ceased or first • the normal avail period

Deposited in person to an Not deposited in person &/or to Not deposited in person &/or to Not deposited in person &/or to employee & in an acct of a payee an acct of a payee an acct of a payee an acct of a payee

-Indorsed to another? .12(b)(2) [Add 5 days] -Depo. In acct. of payee? .10(c) [2nd day (like local ck) &"reasonable period"]

over $5,000 not later than 9th biz day • A reasonable period after the or UCC 4-215(e) - which ever comes condition has ceased or first • the normal avail period

Deposited in person to an employee Not deposited in person &/or to an depositary branch is in the same state acct of a payee &/or same state. as the payor

Not deposited in person &/or to an acct of a payee &/or same state.

Not deposited in person &/or to an acct of a payee &/or same state.

-Indorsed to another? .12(b)(2) [Add 5 days] -Depo. In acct. of payee? .10(c) [2nd day (like local ck) &"reasonable period"]

over $5,000 not later than 9th biz day • A reasonable period after the or UCC 4-215(e) - which ever comes condition has ceased or first • the normal avail period

Not deposited in person &/or to Not deposited in person &/or to Not deposited in person &/or to an acct. of payee an acct. of payee an acct. of payee

over $5,000 not later than 9th biz day • A reasonable period after the or UCC 4-215(e) - which ever comes condition has ceased or first • the normal avail period

[$100]

[full amount unless exception applies] i.e. $400

If applicable customer still gets $100 / $400 on 1 & 2nd days

If applicable customer still gets $100 / $400 on 1 & 2nd days

Only applies to balance - not entire amount

Not defined UCC 4-215(e)

Key Questions:

1. What type of item is it? 2. How does the drawer want the $$ (i.e. in cash/write check)? 3. Do any exceptions apply? New acct, Large deposits, Repeat overdrafts, Reasonable cause to doubt, Emergency Conditions.