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Transaction Enhancements


Going forward, transactions will occur in real time. This means that items will be debited from or credited to your account in the order they are received.

What you need to know
Transactions Effective March 9, 2020, transactions will occur in real time. This means transactions will post to your account as the Bank receives them. Fees associated with insufficient funds will also be debited as they occur. Electronic direct deposits
and cash will be available on the day we post (or credit) the deposit to your account.
Posting Cut-Off
Branch deposits and withdrawals will post on the same business day they are made. ATM deposits will post on the same business day if they are made prior to 7 p.m. (previously 2:30 p.m.).
Your Funds
Effective March 9, 2020, if you receive an incoming wire transfer prior to 4 p.m. or make a deposit before Branch Closing on a business day that we are open, we will consider that day to be the day of your deposit. However, if you receive an incoming wire transfer after 4 p.m. we will
consider that the deposit was made on the next business day we are open.

Same day funds availability will increase from $200 to $225, with large deposits increasing to the remainder of the first
$5,525 available the next business day and any additional funds over $5,525 available on the 7th business day after the day of your check deposit.
Payment Order
of Items
Effective March 9, 2020, we will now process your debit transactions in the order in which they are presented to us for payment. If, at the end of any given day,  two (2) or more checks are presented for payment against your account at the same time, we will then pay those items in numerical check number order, starting with the lower check numbers. If there are insufficient funds to cover all of your debit transactions processed on any given day, this method may result in additional Overdraft Item Fees.
Direct Deposits
Any direct deposits that you have established will remain in place.
withdrawals and
Any automatic withdrawals or pre-authorized payments that you have established will continue to be debited as
You can now choose to receive your receipt electronically through email.
ID Scanning
Beginning on March 9, 2020 our branch staff will begin asking for your state-issued picture ID to enhance the security of your transactions and expedite transactions
when you visit any of our branches. Once scanned, your ID will be valid in our system until it expires.