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. funds which is not drawn on a bank located in the U.S. There is an emergency, such as failure of communications or computer equipment.You have overdrawn your account repeatedly in the last six months.You redeposit a check that has been returned unpaid.You deposit checks totaling more than $5,525 on any one day.We believe a check you deposit will not be paid.The remaining $475 is available on Wednesday.įunds you deposit by check may be delayed for a longer period under the following circumstances: The remaining funds will be available on the second business day after the day of your deposit.įor example, if you deposit a check of $700 on a Monday, $225 of the deposit is available on Tuesday. The first $225 from a deposit of checks will be available on the first business day after the day of your deposit. If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second day after the day of your deposit. Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you.Cashier’s, certified, and teller’s checks (if you use a special deposit slip available from Trustco).State and local government checks that are payable to you (if you use a special deposit slip available from Trustco).If you make a deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit: The length of the delay varies depending on the type of deposit and is explained below.įunds from electronic direct deposits to your account will be available on the day we receive the deposit.įunds from the following deposits are available on the first business day after the day of your deposit: A deposit or withdrawal made prior to the Bank's processing cut-off time Monday through Friday will be applied on the day it is made a deposit or withdrawal made after the Bank's processing cut-off time or on a Saturday, Sunday, or legal holiday will be applied on the next business day. The Bank’s cut-off hour for receiving deposits is the time of branch closing which varies at different locations. The length of the delay is counted in business days from the day of your deposit. You will need to enter this to complete the set-up process.ĭetermining the availability of a deposit You will receive a text message with a confirmation code. Verizon: Alltel: Nextel: Sprint: T-Mobile: you have successfully entered your mobile phone text message address follow the steps to complete the set-up process. For additional text formats please contact customer service at 1-80 (between 8:00 am and 8:00 pm, M-F, and 8:00 am and 5:00 pm, Saturday) or your cell provider. ![]() The list below contains the largest cell phone providers. The addresses also are entered in the "Additional E-Mail Address" field To add a cell phone, follow the addresses listed below that correlate with your cell phone provider. In the "Other Services" menu, click "Alerts" then enter additional email addresses and click "Save" when finished. ![]() This can also be true for car rentals and cruise lines, which may include deposits and/or other fees. When the transaction settles you will be charged the final purchase amount (total bill + tip).įor Hotel/Cruise/Car Rental an authorization in the amount equal to the entire stay plus an estimated amount for incidentals may be used. In this case, the authorization amount may be lower than the actual transaction amount. Only the actual amount of the purchase will post to your account when the transaction settles.įor restaurants an authorization prior to a tip being added. Most pay-at-the-pump gas purchases are initially authorized for $1. For Example:įor gas purchases an authorization is requested prior to dispensing fuel. At the time the transaction settles, your account is charged the actual amount of the transaction and the authorization is removed. The authorization will show as a pending transaction and will place a hold on funds affecting your available balance. ![]() The authorization amount can be lower or higher than the actual transaction amount. Some merchants will request an authorization for a “general” amount.
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