EARLY CLOSING - WYTHEVILLE, VA:
Due to inclement weather, on Thursday, Nov. 15, 2018, Truliant's Wytheville, Va. location will close at 2 p.m.
DELAYED OPENING:
Due to icy conditions, on Wednesday, Dec. 12, 2018, Truliant's Piedmont Triad locations, including our headquarters office and Randolph and Alamance County locations, will open at 10 a.m. All other locations will have normal business hours. Open accounts and apply for loans here, or call us at (800) 822-0382.
agreements & disclosures

Funds Availability Policy

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Truliant Federal Credit Union has adopted the following policy to comply with the Federal Reserve’s Regulation CC: Availability of Funds and Collection of Checks and NACHA Operating Rules.

Your Ability to Withdraw Funds at all locations of Truliant Federal Credit Union

Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. When your funds become available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and federal holidays. If you make a deposit in person directly to one of our employees at one of our branches before that branch's posted closing time on a business day that we are open, we will consider that day to be the day of your deposit.

Longer Delays May Apply

In some cases, we will not make all of the 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. However, the first $200 of your deposits 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 the deposit. We will also tell you when the funds will be available. If your deposit is not made in person 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.

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 on any one day.

  • You redeposit a check that has been returned unpaid.

  • You have overdrawn your account repeatedly in the last six months.

  • There is an emergency, such as failure of communications or computer equipment.

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 seventh business day after the day of your deposit.

Special Rules For New Accounts

If you are a new member, the following special rules will apply during the first 30 days your account is open:

  • Funds from electronic direct deposits to your account will be available on the day we receive the deposit.

  • Funds from deposits of cash, wire transfers, and the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.

  • Funds from all other check deposits will be available on the ninth business day after the day of your deposit.