BECU 3011 11/2021 Page 3 of 5 4. High-Speed Online Deposits Agreement Terms and Conditions (continued) If you create an Image Exchange Item, or electronic image for deposit into your account, it shall:The mobile app allows you to snap a photo of your check and deposit right into your BECU account. 1, 2, 3, done! Online Deposits: Once you have set up your new account with Online Banking, you can sign in and deposit checks from there. You will need a compatible scanner hooked up, but the process to get this going is fairly easy.Change Address/Phone Number; Add /Remove Joint Account Holder; Direct Deposit; Mobile Deposit; Apply for a loan ... America's Credit Union - Member-Owned, Not-for-Profit Banking Better than free checking. When you open an ACU checking account with direct deposit, you'll receive $100. ... Related to becu direct deposit letterImportant message for our members: When we contact you, we will never ask for a one-time passcode, your account password, code word or your card or account details. If you're not sure a BECU message or call is legitimate, don't respond. Call us at 800-233-2328.Deposit-only access. Card does not allow for withdrawals. Link up to two business checking and savings accounts. No limit to the number of cards you can request. To request a card, simply call us at 800-704-8080, or stop by any one of our BECU neighborhood financial centers. Our BECU locations can issue cards on the spot! Boeing Employees Credit Union. Cash, check, and electronic deposits generally available the first business day following deposit. 3:00 p.m. on a business day. (Pacific Time) Schoolsfirst Federal ...ACCOUNT AGREEMENTS . This Booklet Contains: • Membership and Account Information • Funds Availability Policy • Electronic Funds Transfer Statement and AgreementBECU Mobile App. Mobile Banking gives you convenient, on-the-go options for managing your bank accounts on your phone or tablet. Download or update to see your FICO ® Score from Apple or Google Play. Money management in the palm of your hand. View account balances, make deposits - even create budgets and track your net worth over time.For check deposits, at least the first $225 will be available on or before the first business day after the day of your deposit. The remaining funds (up to $5525) will be on hold for up to two business days. For example, if you deposit a $3000 check, we will make at least $225 available on or before the first business day after the day of deposit.Mobile Deposits. Deposit personal and business checks safely and securely from anywhere with your phone or other mobile device*—all without having to visit a branch or ATM. Learn More about Mobile Deposits. Get Connected With Notifications. Use notifications* to get alerted to activity in your accounts. It's easy, convenient, and a great way ...You can also send us a secure message using Messenger in the BECU mobile app. Visit our Secure Messenger page for instructions and options. For credit card TTY support 24/7, ... BECU Deposits. BECU M/S 1085-2 P.O.Box 34044 Seattle, WA 98124. Other Loan Payments and Correspondence. BECU P.O.Box 97050 Seattle, WA 98124-9750.Deposit limits exist, too, although they’re less common. Capital One, for example, has a one-time cash deposit limit of $5,000. Some banks also set limits on how many bills (individual bank ...Mobile deposits. Deposit checks on-the-go. We'll let you know when your funds are ready to use. Mobile Deposit is a secure way to deposit checks on your smartphone within the United States. This guide will help you learn how to use mobile deposit and answer frequently asked questions.Certificates Check my rate Checking Common Banking Credit Cards Digital Banking Foreign Currency Inactivity Fee Insurance Investments Loans Membership Overdraft Fees Retirement Savings Taxes Transfers Travel. Do you have a question about any of the services First Tech offers? Visit us today for answers to all the most frequently asked …If deposited by check, the bank generally must make the first $5,525 available consistent with the bank's normal availability schedule. The bank may place a hold on the amount deposited over $5,525. For check deposits over $5,525, banking laws and regulations allow for exceptions to the rules on availability of funds.You may continue to see automated counters in Online Banking or the mobile app that still report the number of transfers you have made from your savings and money market accounts during the month, but you will not be charged an excess transaction fee. Questions? If you have any questions, please call a BECU representative at 800-233-2328.Your debit card takes 7-10 days to arrive. If you still haven't received your card by business day 10, please call us 800-233-2328, send us a Message in mobile Messenger or visit any BECU location.. For businesses that operate as a partnership, corporation or LLC using an EIN for tax reporting, please call us at 800-704-8080 to speak with a business representative.BECU 463 Rates and Terms in effect as of September 13, 2023 and are subject to change without notice. BECU CONSUMER LENDING RATES & RELATED DISCLOSURES . Boeing Employees' Credit Union (BECU) is one of the nation's leading not -for-profit credit unions. We are committed to offering better rates, fewer fees and more affordable financial ...How will you choose to spend your $250†? Open a SECU Total™ Checking & Rewards account and get $250† to spend (or save) anyway you like. This all-in-one account offers up to 2.00% APY, no monthly maintenance fees, cash back on debit card purchases, bonus credit card rewards and so much more.You may continue to see automated counters in Online Banking or the mobile app that still report the number of transfers you have made from your savings and money market accounts during the month, but you will not be charged an excess transaction fee. Questions? If you have any questions, please call a BECU representative at 800-233-2328.Members with qualifying family circumstances will receive a direct deposit or check each month as payments continue through the end of 2021. The IRS has announced it will pay half the total 2021 Child Tax Credit amount in advance monthly payments. Taxpayers who receive these payments will claim the other half when they file taxes in 2022.Check balances, make transfers, deposit checks, and pay bills when you are on-the-go using your mobile device. Bank by phone anytime, day or night, for account balances, transfers, bill payment, and more. To use the system, members call 800-233-2328 and business members call 800-704-8080. Meet face-to-face with a BECU Video Banking Consultant ...Nope! You can deposit checks with Mobile Deposit 24 hours per day, 7 days per week. Just keep in mind deposits made after 10 pm ET or on weekends or holidays are processed the next business day, unless approved for Instant Funds from Citizens™. See our Digital Banking terms for details.Services. The Mobile Deposit Service (“Services”) are designed to allow you to make deposits to BECU checking, savings, or money market accounts from your mobile device by scanning checks and delivering the images and associated deposit information to BECU or its designated processor. OF BECU ONLINE DEPOSIT CAPTURE SERVICE. BECU 760 12/2022 Page 2 of 4 . you deposit that is missing the required restrictive endorsement, plus the amount of any fees. This means that, if you deposit an Item that does not contain the required restrictive endorsement, and if BECU decides, in our sole discretion, for any reason whatsoever, we mayLast name Date of birth Enroll Now Mobile Check Deposit 24/7 Check Deposit Deposit personal and business checks from anywhere with the use of your mobile device. The service is free and secure. No trip to a branch or ATM needed. Download Mobile App for Apple device | Android device Learn More about Mobile Deposits Bill Pay and PaymentsHere is a list of banks that will allow you to deposit a check of up to $10,000 via mobile deposit. Bank of Internet. Key Bank. Citizens Bank One Deposit, Ever Value, Student Checking, and Personal Checking with Interest. Bank of America for accounts opened three months or longer.Mobile Deposits limits. Consumer and Business: $15,000 maximum daily limit. Customers of The Private Bank: $50,000 maximum daily limit + + For customers with an established Private Banking relationship. The increase to the Private Banking Limit may take up to 5 business days following the first successful Mobile Deposit, to take effect.The short answer: Yes, it's possible. However, not all ATMs accept cash, and some of those that do charge fees. So if you want to deposit cash at an ATM, learn how to choose the right one and what ...Oct 1, 2023 · Important message for our members: When we contact you, we will never ask for a one-time passcode, your account password, code word or your card or account details. If you're not sure a BECU message or call is legitimate, don't respond. Call us at 800-233-2328. Learn more about common scams. You can make transfers from the card to your bank account at no charge, and the limit is a relatively high $2,500 per day. That means many people should be able to transfer their entire stimulus payment in one swoop. ... Mobile Deposit (BECU) - Read step by step instructions or watch a video on how to deposit a check from the BECU Mobile App ...For savings, checking, CD and loan eStatements. From the navigation menu, click Services, then Statement Delivery. Confirm email address for receiving eStatements. If no email is on file or if your email needs to be changed, call 800-704-8080. Review disclosures, check the I agree box when ready.As low as 100 points. Simply use your BECU credit card to make purchases and earn points. Once the purchases have posted to your credit card account and your points have been updated, you can access your rewards through BECU Rewards using your existing online banking credentials. Choose how much cash you'd like to redeem (a minimum of $1 or 100 ...BECU Phone number: 800-233-2328. BECU Support Chat⁶. Before committing to an international money transfer service, a little research can help determine the best way to get your money across borders. If you’re a BECU customer, this guide should give you a better idea of whether your best option is your bank — or an alternative.All deposits are final and BECU is under no obligation to reverse a deposit made to an account. 2. Acceptance of these Terms. Your use of the Services constitutes your acceptance of the Services and this Mobile Deposit Terms and Conditions. The Services are subject to change from time to time. BECU reserves the right, in its sole discretion, toMobile Device is Lost or Stolen. You are responsible for all deposits completed through TD Mobile Deposit on your Mobile Device. Notify TD at once at 1-866-222-3456 if you suspect your Mobile Device has been compromised or is lost or stolen. When you notify us, we will restrict access to TD Mobile Deposit.In real life, integers are used in different sports, and when people utilize banks to deposit or withdraw cash, read a temperature below zero, calculate a loss or gain in stocks or look at a posted speed limits.On April 24th, 2020, the Federal Reserve Board announced an interim final rule that removes this six per month limit on convenient transfers. This was in response to the Coronavirus epidemic and the Federal Reserve appears to have made this change permanent. It will be up to banks as to how quickly they will remove the penalties and the limits ...If you're not sure a BECU message or call is legitimate, don't respond. Call us at 800-233-2328. Learn more about common scams. Money Market Accounts. Earn a higher rate with a BECU Money Market Account. Join BECU & Apply. Members Log In & Apply. Money Market Rates APY Effective 10/1/2023*Suspicious Activity: Debit Card. Visa Liability Waiver. (866) 486-7782 Mon-Fri, 7 a.m.-6 p.m. (PT) Sat-Sun, 8 a.m.-5 p.m. (PT) is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes. With just an email address or U.S. mobile phone number, you can send money to people you know ...Services. The Mobile Deposit Service (“Services”) are designed to allow you to make deposits to BECU checking, savings, or money market accounts from your mobile device by scanning checks and delivering the images and associated deposit information to BECU or its designated processor. Cell mobile technology has come a long way since its inception. From bulky devices with limited functionalities, cell mobiles have evolved into sleek and powerful gadgets that have become an integral part of our daily lives.You may continue to see automated counters in Online Banking or the mobile app that still report the number of transfers you have made from your savings and money market accounts during the month, but you will not be charged an excess transaction fee. Questions? If you have any questions, please call a BECU representative at 800-233-2328. If you're not sure a BECU message or call is legitimate, don't respond. Call us at 800-233-2328. Learn more about common scams. Cashiers Checks. Cashier's checks are a great option when funds need to be guaranteed. You can request a cashier's check to be issued from your savings account, checking account, money market account or CD.All BECU CDs require a minimum deposit of $500 except for the Add-to option. This type of CD can be opened with as little as $100 under any term but requires you to set up an automatic deposit schedule. ... fee for money market accounts. You may make up to six transactions per month, but every withdrawal outside of this limit is charged a $20 ...BECU 463 Rates and Terms in effect as of September 13, 2023 and are subject to change without notice. BECU CONSUMER LENDING RATES & RELATED DISCLOSURES . Boeing Employees' Credit Union (BECU) is one of the nation's leading not -for-profit credit unions. We are committed to offering better rates, fewer fees and more affordable financial ...To keep your account safe, we need to confirm that the password is being reset by you. We will use the information you provide to match what we have in our systems.Deposit-only access. Card does not allow for withdrawals. Link up to two business checking and savings accounts. No limit to the number of cards you can request. To request a card, simply call us at 800-704-8080, or stop by any one of our BECU neighborhood financial centers. Our BECU locations can issue cards on the spot!Details. You can find a BCU Branch, surcharge-free ATM, or deposit-accepting ATM location near you by using our ATM and Branch locator tool on our website or mobile app. Simply enter the zip code you'd like to search, and then click the Search button. On the Credit Union website, you also have the ability to filter your search results to list ...Then log on to the USAA Mobile App and select "Send Money With Zelle See note ... Additional limits restrictions may apply to newly established USAA FSB deposit accounts. Is there a cutoff time to transfer funds? Yes. You can initiate a transfer 24 hours a day, seven days a week, but transfers scheduled on or after 9 p.m. CT Monday through ...Private Client members can withdraw up to $1,500 daily at ATMs and make point of sale transactions up to $20,000, while mobile deposit limits of $50,000 per day and $100,000 per month are included ...Most Chase accounts have a $25,000 per day limit. Chase Private Client and Chase Sapphire Banking limits are $100,000 per day. Keep in mind, your other bank may have a different transfer limit. ... NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES ... Deposit Account Agreements; Mobile ...The Bank of America mobile check deposit limit is $10,000 per month for accounts opened for three months or longer; for accounts opened for fewer than three months, the limit is $2,500 per...(1) Holds placed on deposits, for example: when we place a 5 day Large Item Exception hold on $475 of your $6000 check you deposit to your checking Account, that $475 on hold is not available for you to spend (and not When you deposit cash in a Bank of America ATM, the funds are available immediately.. When you deposit a check, all or part of the check might be available the next business day.However, Bank of America might place a hold on the deposit that usually ranges from two to seven days. If a check deposit is made after the daily cutoff time — 9 …On April 24th, 2020, the Federal Reserve Board announced an interim final rule that removes this six per month limit on convenient transfers. This was in response to the Coronavirus epidemic and the Federal Reserve appears to have made this change permanent. It will be up to banks as to how quickly they will remove the penalties and the limits ...Business Banking Important message for our members: When we contact you, we will never ask for a one-time passcode, your account password, code word or your card or account details. If you're not sure a BECU message or call is legitimate, don't respond. Call us at 800-233-2328. Learn more about common scams. ATM and Debit Transaction LimitsZelle ® is already available within the BECU mobile banking app and Online Banking. ... contact us at 800-233-2328 or send a secure message through Online Banking or the mobile app. There is no limit to how much you can receive through Zelle ...Total savings after 5 years. $36,031. Savings after taxes. $35,703. Savings after taxes and inflation. $33,954. Check your child's eligibility for BECU membership. Find your child's social security number (this serves as your child's identification)Via Facebook. Phone: 800-233-2328. Check the official status pagina. Posts by @becu. Real-time problems and outages for BECU.Online & Mobile Banking. directly deposit funds for faster access. 1. Immediate Funds is available in the KeyBank mobile app and will only appear as an option for eligible mobile checks. You will also have the option for a standard deposit at no charge. The Immediate Funds fee is 2% of the deposit amount, with a minimum fee of $2. Give us a call. Mon.-Fri. 7 a.m.-7 p.m. PST. Sat. 9 a.m.-1 p.m. PST. Make an Appointment. Set up an appointment with a business consultant on a day and time that works best for you. Find a Location. BECU offers access to thousands of ATMs through the CO-OP network and dozens of convenient BECU locations.Mobile Deposit Step By Step. Endorse your check and write “For BECU Mobile Deposit Only” near your signature. Open the BECU mobile app and sign in. Select Deposits. Select Deposit Check. Enter Amount. Select account you wish check deposited into. Take picture of front of check. Take picture of check's back.The NCUA provides standard deposit insurance of $250,000 per individual depositor, per insured credit union. Suppose an individual has $250,000 deposited at one credit union and $100,000 at another. All of their money would be protected by the NCUSIF. If that same individual has $350,000 in share accounts at one credit union, their $350,000 ...Deposit-only access. Card does not allow for withdrawals. Link up to two business checking and savings accounts. No limit to the number of cards you can request. To request a …CFG Community Bank —1 year - 5 years, 4.40% - 5.50% APY, $500 minimum deposit; Limelight Bank; Citizens Access; Synchrony Bank —16 months, 5.40% APY, no minimum deposit; First Internet Bank ...For personalized support with the site, please contact our Member Contact Center at (509) 378-3100 or (888) 946-4372 during regular business hours. Phone Order Instructions. If you prefer to reorder your checks over the phone, call the toll-free number: (877) 585-8777. This is a touch-tone system.Important message for our members: When we contact you, we will never ask for a one-time passcode, your account password, code word or your card or account details. If you're not sure a BECU message or call is legitimate, don't respond. Call us at 800-233-2328. Learn more about common scams.Get instant mobile check deposit funds available at the close of the same business day for checks written from a Citizens Bank account deposited by 10 p.m. ET. Fifth Third BankTo get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online, in the Discover App or by phone. Enter Offer Code HMB923 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus.BECU Deposit and Payment Processing, MIS: 1085-2, P.O. Box 97050, Seattle, WA 98125 Fax: 206-965-3236 BECU 7981 09/2022 Set up ACH Transfer from External Account Page 3 of 3All BECU CDs require a minimum deposit of $500 except for the Add-to option. This type of CD can be opened with as little as $100 under any term but requires you to set up an automatic deposit schedule. ... fee for money market accounts. You may make up to six transactions per month, but every withdrawal outside of this limit is charged a $20 ...Deposit-only access. Card does not allow for withdrawals. Link up to two business checking and savings accounts. No limit to the number of cards you can request. To request a card, simply call us at 800-704-8080, or stop by any one of our BECU neighborhood financial centers. Our BECU locations can issue cards on the spot!The Mobile Banking app is available on iPad, iPhone, Android. Not all Mobile Banking app features are available on all devices. Transfer funds with ease with Bank of America Online Banking. Make transfers on a mobile app or online and make them recurring or a one time transfer. Learn more about electronic funds transfer options with FAQs.Peer-to-peer payment apps, often abbreviated to P2P pay apps or simply P2P apps, are mobile apps designed to allow users to send and receive money by connecting their banking information to the app. Chime is not just a P2P app. You can use Pay Anyone to send money instantly to Chime members and anyone else, but you can also count on …all of the requirements for deposit stated in this Agreement before 8:00 p.m. EST on a business day we are open, we consider that day to be the day of your deposit. Otherwise, we will consider the deposit made on the next business day we are open. Our general policy is to delay the availability of funds from your check deposits. Funds you deposit by check may be delayed for a longer period if: • we believe a check you deposit will not be paid; • you deposit checks totaling more than $5,525 on any one day;Messenger is a secure way for members to connect with BECU messaging consultants from Online Banking and the mobile app. Messenger is also available to business members who operate as a sole proprietorship, LLC using an SSN for tax reporting, clubs, trusts and estates. Businesses that operate as a partnership, corporation or LLC using an EIN ... Deposit checks on the spot, wherever you may be. The benefits of Citizens Mobile Deposit™ 2. Conveniently use your mobile device to deposit a check from virtually anywhere. Deposits by 10 pm ET count as same business day. Our remote deposit capture technology makes depositing via our app quick and easy.OF BECU ONLINE DEPOSIT CAPTURE SERVICE. BECU 760 12/2022 Page 2 of 4 . you deposit that is missing the required restrictive endorsement, plus the amount of any fees. This means that, if you deposit an Item that does not contain the required restrictive endorsement, and if BECU decides, in our sole discretion, for any reason whatsoever, we mayOF BECU ONLINE DEPOSIT CAPTURE SERVICE. BECU 760 12/2022 Page 2 of 4 . you deposit that is missing the required restrictive endorsement, plus the amount of any fees. This means that, if you deposit an Item that does not contain the required restrictive endorsement, and if BECU decides, in our sole discretion, for any reason whatsoever, we mayIn today’s digital age, online dating has become increasingly popular among people of all ages. One demographic that has particularly embraced this trend is older singles. Online dating offers unparalleled convenience and flexibility for ol...Oct 1, 2023 · Important message for our members: When we contact you, we will never ask for a one-time passcode, your account password, code word or your card or account details. If you're not sure a BECU message or call is legitimate, don't respond. Call us at 800-233-2328. Learn more about common scams. Deposit-only access. Card does not allow for withdrawals. Link up to two business checking and savings accounts. No limit to the number of cards you can request. To request a card, simply call us at 800-704-8080, or stop by any one of our BECU neighborhood financial centers. Our BECU locations can issue cards on the spot!
On April 24th, 2020, the Federal Reserve Board announced an interim final rule that removes this six per month limit on convenient transfers. This was in response to the Coronavirus epidemic and the Federal Reserve appears to have made this change permanent. It will be up to banks as to how quickly they will remove the penalties and the limits .... Mission viejo mall directory
Join BECU. BECU operates under a state charter in Washington, offering financial products and services tailored to the unique needs of residents within Washington. The TOM Code for the credit union is 99 (State Charter). Membership is also open to immediate family of current members. Joining BECU is quick and simple.Check balances, make transfers, deposit checks, and pay bills when you are on-the-go using your mobile device. Bank by phone anytime, day or night, for account balances, transfers, bill payment, and more. To use the system, members call 800-233-2328 and business members call 800-704-8080. Meet face-to-face with a BECU Video Banking Consultant ... No foreign transaction fees. 3. Open a new Cash Back Visa® credit card and earn a $300 cash back bonus after you spend $3,000 on purchases in the first three months of account opening. 4. Open a new BECU Visa® credit card and enjoy 0% introductory APR on purchases and balance transfers for the first 12 months. 5 After that, you'll still get ...Messenger is a secure way for members to connect with BECU messaging consultants from Online Banking and the mobile app. Messenger is also available to business members who operate as a sole proprietorship, LLC using an SSN for tax reporting, clubs, trusts and estates. Businesses that operate as a partnership, corporation or LLC using an EIN ...1. Enroll for Mobile Deposit by selecting the "Services" tab and selecting the "Mobile Deposit Enrollment" link. 2. Review and accept the terms and conditions. 3. Log out and Log back in. 4. Select the "More" tab and click on "Deposit Check" OR select the "DEPOSIT A CHECK" icon. Contact one of our Member Service ...All BECU CDs require a minimum deposit of $500 except for the Add-to option. This type of CD can be opened with as little as $100 under any term but requires you to set up an automatic deposit schedule. ... fee for money market accounts. You may make up to six transactions per month, but every withdrawal outside of this limit is charged a $20 ...For savings, checking, CD and loan eStatements. From the navigation menu, click Services, then Statement Delivery. Confirm email address for receiving eStatements. If no email is on file or if your email needs to be changed, call 800-704-8080. Review disclosures, check the I agree box when ready.The Federal Reserve Board on Friday announced an interim final rule to amend Regulation D, allowing consumers to make an unlimited amount of withdrawals or deposits from savings deposit accounts ...Note 3 Account access restrictions may apply to mobile/web access in certain countries. Note 4 Parent/guardian must qualify for USAA's Deposit@Mobile ®. Eligibility for USAA Deposit@Mobile will be based on your account history with USAA Federal Savings Bank. Deposits may not be available for immediate withdrawal.All deposits are final and BECU is under no obligation to reverse a deposit made to an account. 2. Acceptance of these Terms. Your use of the Services constitutes your acceptance of the Services and this Mobile Deposit Terms and Conditions. The Services are subject to change from time to time. BECU reserves the right, in its sole discretion, toImportant message for our members: When we contact you, we will never ask for a one-time passcode, your account password, code word or your card or account details. If you're not sure a BECU message or call is legitimate, don't respond. Call us at 800-233-2328. Learn more about common scams.Yes, there’s a limit applied to the total amount deposited daily or weekly. You can use mobile check deposit as many times as you'd like, but once the total amount of deposits has reached the daily or weekly limit, you'll need to deposit the additional items at a U.S. Bank branch. To find out what your existing mobile check deposit limit is ...BECU 762 10/2022 1. Introduction This terms and conditions document (hereinafter "Agreement") is a contract between you and Boeing Employees' Credit Union (BECU) (hereinafter "BECU" or "we" or "us") in connection with the Zelle® and Other Payment Services ("Service") offered through our online banking site or mobile applications (the "Site").BECU 7981 09/2022 Set up ACH Transfer from External Account Page 1 of 3 . Step 4. Transfer details Transfer Amount (Not to exceed $5,000 per month) $ Transfer occurrence ... BECU Deposit and Payment Processing, MIS: 1085-2, P.O. Box 97050, Seattle, WA 98125 Fax: 206-965-3236 .Mail. You can also mail in your deposit to WSECU, PO Box WSECU, Olympia WA 98507. Quick Tips. Endorse the check. Write "For deposit only". Include the last four digits of your account number and share or loan number: e.g., Account XXX1234, Savings S01. View ALL Resources.share certificates or deposits made remotely through mobile deposit services. Except as described later in this Schedule, our general procedure is to make funds available fr om your deposits on or before the first business day after the day we receive your deposit. At that time, you can withdraw the funds in cash,.