For determining the availability of my deposits, every day is a business day, except Saturdays, Sundays, and Federal holidays. If I make a deposit before the close of business on a business day that you are open, you will consider that to be the day of my deposit. However, if I make a deposit after the close of business or on a day you are not open, you will consider that the deposit was made on the next business day you are open.
If you are not going to make all of the funds from my deposit available by the 1st business day, you will notify me at the time I make my deposit. You will also tell me when the funds will be available. If my deposit is not made directly to one of your employees, or if you decide to take this action after I have left the premises, you will mail me the notice by the day after you receive my deposit.
I will tell you if I need the funds from a deposit right away and will ask you when the funds will be available.
In addition, funds I deposit by check may be delayed for a longer period under the following circumstances:
You will notify me if you delay my ability to withdraw funds for any of these reasons, and you will tell me when the funds will be available. They will generally be available no later than the 7th business day after the day of my deposit.