At Buffalo Service Credit Union, we know it’s important that you have your funds available to use as quickly as possible. So we strictly adhere to the following policy:

• Local check deposits – your funds will be available no later than two business days after the day we receive your deposit
  
• Non-local checks – your funds will be available no later than the fourth business day after we receive your checks
  

Funds deposited by check may be delayed longer under the following circumstances:

• you have opened a new account
• we believe the check is uncollectible
• you deposit amounts in excess of $5,000 in a single day
• you are re-depositing a check
• foreign checks
• the account has been repeatedly overdrawn
• emergency situations, such as computer failure
  

If an extended delay is necessary, we will immediately notify you of the situation and tell you when your funds will be available – usually no longer than 11 business days after your deposit.

If you make deposits before 3:00 p.m. on a business day, your money will be considered deposited on that day. (Business days exclude Saturdays, Sundays and federal holidays.) Deposits after 3:00 p.m. on a business day or at any time on a non-business day, will be considered to be deposited on the next business day.

We have developed these guidelines for your protection. If you have any question about the availability of your funds, please don’t hesitate to ask one of our representatives.

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