Funds Availability Policy

You previously received a statement about our funds availablity policy, which explains when funds from deposits to certain accounts you have with us will be available for withdrawal.  This Notice describes a change to that policy statement.  This change is effective July 21, 2011.  If you have any questions about his change, please contact us.

Our previous policy disclosure described certain circumstances when the first $100 of a deposit would be available on the first business day after the day of deposit.  The remaining funds from the deposit would be available at a later date.

After the effective date of the change, the amount that will be available on the first business day after the day of deposit will increase from $100 to $200.

Opening a New Account

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

In accordance with Section 326 of the USA PATRIOT ACT.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.