Notices

In come 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 second business day after the day of your deposit.  The first $225 of your deposit, however, will be available on the first business day.

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

Special Rule for New Accounts

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 $5,525 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 (and you may have to use a special deposit slip).  The excess over $5,525 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 your employees, the first $5,525 will not be available until the second business day after the day of your deposit.

---

Longer Delays May Apply:  Safeguard Exception Holds:  Please note that funds you deposit by check may be delayed longer under the following circumstances:  1) We believe a check you deposit will not be paid; 2) You deposit checks totaling more than $5,525 on any one day; 3) You re-deposit a check that has been return unpaid; 4) You have overdrawn your account repeatedly in the last 6 months; or 5) There is an emergency, such as failure of computer or communications equipment.  We will notify you if we delay your ability to withdraw funds for any of these reasons and when the funds will be available.  Generally they will be available no later than the seventh business day after the day of deposit.

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 that 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.  You may visit the US Department of Justice to learn more.

This site may contain links to websites controlled or offered by third parties, non-affiliates of U.S. Century Bank hereby disclaims liability for any information, materials, products or services posted or offered at any of the third party sites linked to this website.  By creating a link to a third party website, U.S. Century Bank does not endorse or recommend any products or services offered or information contained in that website, nor is U.S. Century Bank liable for any failure of products or services offered or advertised at those sites.  Such third party may have a privacy policy different from that of U.S. Century Bank and the third party website may provide less security than the U.S. Century Bank site.