YOUR ABILITY TO WITHDRAW FUNDS

Our policy is to make funds from your cash and check deposits available to you on the first business day after we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw those funds in cash and we will use the funds to pay checks you have written.

To determine the availability of your deposits, every day is a business day except Saturdays, Sundays and federal holidays. If you make a deposit before 2:00 P.M. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 2:00 P.M., or on a day we are not open, we will consider that the deposit was made on the next business day we are open. (Funds received at our Washington Island location are not posted until the second business day after they are received. In addition, adverse weather conditions may further delay deposits from the island. In that event, you will be notified in writing of the delay and your funds will be credited immediately upon receipt at our Sturgeon Bay Financial Center).

LONGER DELAYS MAY APPLY

In some cases, we will not make funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. The first $100 of your deposits, however, will be available on the first business day.

If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask us when the funds will be available.

Safeguard Exceptions: In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

• We believe a check you deposit will not be paid.
• You deposit checks totaling more than $5,000 in one day.
• You deposit a check that has been returned unpaid.
• You have repeatedly overdrawn your account within the previous six months.
• An emergency situation prevents us from normally processing your deposit.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit.

DEPOSITS AT AUTOMATED TELLER MACHINES

Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate may not be available until the third business day after the day of your deposit.