Different deposits take longer to clear than others.  It depends when and where the deposit is made and the type of deposit being made.

For deposits made at a branch or by mail, depeding on what kind of deposit you are making, a hold may be applied.  If you make a deposit when we are not open through our night drop depository (Silverdale Branch) after 9 a.m. Monday through Friday, we will consider that the deposit was made on the next calendar day we are open.

If you make a deposit at our ATM (Silverdale Branch), Once the CU verifies the ATM deposits between the hours of 8 a.m. and 9 a.m., We will release your hold, however, a hold will be applied for certain deposits. If you make an ATM deposit at another ATM, your deposit could be on hold for 3 business days. Ask for an ATM exception hold so your deposits never get held! The CU will verify your account, and once it gets approved... You will no longer have holds on your ATM deposits!

The impact on the type of deposit you are making also has a lot to do with how long it takes a deposit to clear and for the funds to be available to you.  Funds from the following deposits are available immediately provided they are payable to you:

  • Cash

  • Cashiers Checks

  • U.S. Treasury Checks

  • Travelers Checks

  • Wire Transfers

  • State and Local Government Checks

  • Federal Reserve Bank Checks, Federal Home Loan Bank Checks

  • Payroll Checks of Local or Well-Known Firms

Other deposits may be required to clear the financial institution where the funds originated from before they are available to you.  Please be advised that unique circumstances may impact the actual delay you may experience.