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For your protection and ours, when a check is accepted, a hold for that amount is temporarily placed on your account until the check clears.
	TYPE OF CHECK	When funds can be withdrawn
	Checks $5000.00 and under	2 Business Days After the Day of Deposit
	Checks over $5000.00	5 Business Days After the Day of Deposit
	Checks deposited into overdrawn accounts or accounts that have patterns of non-sufficient funds or questionable repayment	7 Business Days After the Day of Deposit
	No Hold Exception Checks	Available the Same Day
The first $200.00 of the day’s check deposits will be released the same day unless the account has a negative balance. NO HOLD EXCEPTION ITEMS \| Federal & State of Hawaii issued checks, Official/Certified/Cashier’s checks (only if issuance is verified), Payroll checks (with previous deposit history or coordinating paystub for checks less than $2,000.00), U.S. Postal Money Orders (only if issuance is verified) and Traveler’s Cheques. BUSINESS DAY \| includes Monday – Friday (does not include Saturdays, Sundays and Federal Holidays). SHARED BRANCHING\|The individual’s credit union may have a different check hold/funds availability policy. Please contact the host credit union for more information. OTHER\| Special rules may apply for the first 30 days your account is open. Checks must be received either printed or written in black or dark blue ink.