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Union Bank Elk Grove Branch

Union Bank Elk Grove Branch
4730 Elk Grove Blvd
Elk Grove, CA 95759
916-683-4315
Bank Branch Hours of Operation:
M-Th 9:00AM – 5:00PM
Fri 9:00AM – 6:00PM
Sat 9:00AM – 1:00PM

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Banking & CD FAQs

What is monetary policy?

The term “monetary policy” refers to what the Federal Reserve, the nation’s central bank, does to influence the amount of money and credit in the U.S. economy. What happens to money and credit affects interest rates or the cost of credit and the performance of the U.S. economy.

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 The bank may freeze the account to ensure that no funds are withdrawn before the error is corrected.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.

How are Internet banks regulated?

The way an “Internet bank” is regulated depends in large part on the type of institution it is. Some Internet banks are Internet sites on which customers of “bricks-and-mortar” depository institutions can access transaction services. Other Internet banks operate only through the Internet (“Internet- only”). The Federal Deposit Insurance Corporation (FDIC) monitors

What are the exceptions to the funds availability schedule?

The regulation provides six exceptions that allow banks to exceed the maximum hold periods in the availability schedules. The exceptions are considered safeguards against the risk associated with each. These are the exceptions: checks deposited to new accounts, large deposits ($5,000 or more in checks), redeposited checks, deposits made by check to accounts

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