Rates Current as of Wednesday February 08, 2012

Access

In a bank’s safe deposit area, access is the legal right to open a safe deposit box, and to add or remove property.

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Banking & CD FAQs

When are direct deposits available for withdrawal?

National banks must make funds available for withdrawal on the “payment date.” This is the date on which the funds are actually payable, not the date on which the bank received the deposit.

I wrote a check that was returned because of insufficient funds in my account. But the bank never notified me, so other checks bounced and I got hit with several overdraft fees. Shouldn’t the bank have sent me a notice?

The bank is not required to notify you when a check bounces. You are responsible for keeping a current and accurate check/transaction register. By balancing it with your monthly statement, you will know your account balance and prevent overdrafts. State laws generally provide that it is illegal to write a check, knowingly or negligently,

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