Rates Current as of Wednesday February 08, 2012

Non Sufficient Funds or A balance in a deposit account that isn’t large enough to pay the checks and other items presented for payment.

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Banking & CD FAQs

I re-deposited a check. Now the bank says that it has placed an exception hold on my funds. What does that mean?

The bank may use an exception hold on a check that was previously deposited but was returned unpaid for insufficient funds. This allows the bank to lessen the risk associated with this transaction. An exception hold may not be applied to any check (including an “official type” check) that has been returned unpaid and re-deposited

A deposit was credited to my account by mistake. Can the bank freeze the account?

Yes. The bank may freeze the account to ensure that no funds are withdrawn before the error is corrected. Or the bank may place a hold on the deposit.

If a person is added to someone’s checking account are they both responsible for an overdraft?

Yes both parties will be responsible.

I deposited $10,000 to my account. When will the funds be available for withdrawal?

For deposits in excess of $5,000, banking laws and regulations allow for exceptions to the availability of funds. Exception holds include deposits over $5,000 which may be applied to any deposit of checks (including official checks) to any and all account(s) where the aggregate amount of the checks deposited on a banking day exceeds

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