Funds Availability Policy

FUNDS AVAILABILITY POLICY    Revised July 1^st, 2025

YOUR ABILITY TO WITHDRAW FUNDS

This policy applies to “transaction” accounts. Transaction accounts, in general, are accounts which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts.

Our policy is to make funds from your cash deposits available to you immediately and check deposits available to you on the same business day or the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit.

Until funds are made available, you may not withdraw the funds in cash, and we will not use the funds to pay checks that you have written. Once the funds are available, you can withdraw cash, and we will use the funds to pay checks that you have written.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit returned to us unpaid and for any other problems involving your deposit.

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you deposited it.

If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check you deposited.

DEPOSIT AVAILABILITY

The length of the delay is counted in business days from the day of your deposit. Every day is a business day except Saturdays, Sundays, and federal holidays. If a deposit is made at a branch office on a business day that we are open, we will consider that day to be the day of your deposit. If a deposit is made on a day that the Bank is not open, we will consider that deposit to be made on the following business day that we are open.

If a deposit is made using Remote Deposit Capture or Mobile Deposit on or before 6:00 P.M. on a business day that we are open, we will consider that day to be the day of deposit. However, if a deposit is made using Remote Deposit Capture or Mobile Deposit after 6:00 P.M., or on a day we are not open, we will consider the deposit to be made on the next business day we are open.

If you make a deposit at a Fidelity Bank owned or operated ATM on or before 6:00 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 at a Fidelity Bank owned or operated ATM after 6:00 P.M., or on a day we are not open, we will consider the deposit to be made on the next business day we are open.

Availability varies depending on the type of deposit and is explained below. Checks drawn on banks located outside of the United States are not subject to this policy. Please inquire regarding availability at the time you make such deposits.

Immediate Availability

Funds from the following deposits are available for immediate withdrawal and to pay checks and other transactions presented the day of deposit:

• Electronic direct deposits, including mobile or online transfers
• Wire transfers
• Cash deposited in person to an employee of the bank.

Same-Day Availability

Funds from the following deposits are available to pay checks and other transactions presented that night and for all purposes the next business day:

• Checks drawn on Fidelity Bank, including cashier’s checks and money orders
• State and local government checks, cashier’s, certified, and teller’s checks, if deposited with a special deposit slip required by the bank.

Next-Day Availability

Funds from the following deposits are available on the next business day after the day of deposit for all purposes:

• All other checks and money orders
• S. Treasury checks
• Cash and checks deposited on or before 6:00 P.M. at Fidelity Bank owned or operated ATM

Second-Day Availability

Funds from the following deposits are available on the second business day after the day of deposit for all purposes:

• Cash and checks deposited at an ATM not owned or operated by Fidelity Bank
• Cash and checks deposited after 6:00 P.M. at a Fidelity Bank owned or operated ATM

LONGER DELAYS MAY APPLY

In some cases, we will not make all funds that you deposit by check available to you according to the preceding schedule. However, the first $275 of your deposit may be available on the first business day after the day of deposit with the remainder available no later than the second business day after the day of deposit.

If we are not going to make all funds from your deposit available according to the preceding schedule, 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 first business 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.

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 $6,725 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 a failure of communication or computer equipment.
• Your transaction account was opened within the last 30 calendar days.

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 Account Holders

If you are a new customer, the following special rules apply during the first 30 days your account is open. Incoming wire transfers, electronic direct deposits, and cash deposited at the teller window will be available on the day we receive the deposit. Government checks (Treasury, Federal Reserve Bank, Federal Home Loan Bank, state, and local), U.S. Postal Service money orders, cashier’s, or certified checks:  first $6,725 by next business day, the remainder no later than the third business day.  All other checks (i.e., other banks) and external source transfers (ACH Debit Transfers) deposited into your account from other institutions will be available on the third business day from the day we receive the deposit.

After the new account period has ended, funds from your deposits will be available according to our general Funds Availability Policy.

DEPOSITS AT AUTOMATED TELLER MACHINES

The first $100 of a deposit made at an Automated Teller Machine (ATM) we own or operate will be available on the same business day as the day of the deposit. The remaining funds from the deposit (cash or check) will be available on the next business day after the day of deposit. All ATMs that we own or operate are identified as our machines.

Funds from any deposits (cash or checks) made at ATMs we do not own or operate will be made available by the second business day after the day of deposit.

Please note this ATM availability schedule may be affected by daily limits imposed on the ATM withdrawals as described in your Electronic Funds Transfer Act Disclosure.

UNCOLLECTED FUNDS

Business accounts will be charged a fee for each item presented for payment against funds that are not available with the funds availability policy.

QUESTIONS

As always, we appreciate the opportunity to serve you. If you have any questions or need other assistance, please contact our Client Care Center at 1-800-388-4380.