Click here to return to the Heights Community FCU Home Page. 3530 Freemansburg Avenue
Bethlehem, PA 18020-5737

Telephone 610-868-8211
Fax 610-868-7328
Serving Members Since 1939Office will be OPEN today, Monday, September 16, 2019, 9 a.m. - 5 p.m.
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Heights Calendar

Monday, October 14
Columbus Day (Observed)
(Credit Union Closed)
Monday, November 11
Veterans' Day
(Credit Union Closed)

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What's a Credit Union?

Funds Availability Disclosure

This disclosure describes your ability to withdraw funds at Heights Community Federal Credit Union. It only applies to the availability of funds in transaction accounts. The Credit Union reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed in this policy.

  1. Business Day: For determining the availability of your deposits, every day is a business day, except Sundays, and Credit Union holidays. If you make a deposit before the close of business on a business day that we are open, we will consider that day to be the day of your deposit. If you make a deposit after the close of business on a business day or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
  2. General Policy: Funds from your cash, checks and electronic direct deposits are available to you on the same business day that we receive your deposit. Once they are available, you can withdraw the funds and we will use the funds to pay checks that you have written.
  3. Case by Case Holds: In some cases, we will not make all of the funds that you deposit by check available to you on the same business day that we receive your deposit. Depending on the type of check that you deposit and your relationship to the account, funds may not be available until the second business day after the day of your deposit. However, the first $100.00 of your deposit will be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the same business day, 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 action after you have left the Credit Union premises, we will mail you the notice by the next 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.
  4. Holds on Other Funds: If we allow you to withdraw funds from a check that is drawn on another financial institution, 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 processed would have been available if you had deposited the check. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for immediate withdrawal but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account at the Credit Union. The funds in the other account would not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited have elapsed.
  5. Longer Delays May Apply: We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:
    • We believe the 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 (6) months.
    • There is an emergency, such as failure of communications or other computer equipment.
    We will notify you if we delay your ability to withdraw funds for any of the above reasons, and we will tell you when the funds will be available. They will be generally available no later than the seventh day after the day of your deposit. However, the first $100.00 of your deposit will be available on the first business day after the day of your deposit. For deposits with checks totaling more than $5,000, the first $100.00 of your deposit will be available on the first business day after the day of your deposit, the next $4,900.00 will be available on the second business day after the day of your deposit and the balance of your deposit will generally be available no later than the seventh day after the day of your deposit.
  6. Special Rules For New Accounts: If you are a new member, the following special rules will apply during the first thirty (30) days your account is open:
    • Funds from electronic direct deposits, cash, and wire transfers will be available on the same business day of your deposit. For funds from cashierís, certified, tellerís, traveler, and federal, state, and local government checks, the first $100.00 of your deposit will be available on the first business day after the day of your deposit, the next $4,900.00 will be available on the second business day after the day of your deposit and the balance of your deposit will generally be available no later than the ninth day after the day of your deposit. The check must be payable to you. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. However, the first $100.00 of your deposit will be available on the first business day after the day of your deposit.
  7. Deposits At Nonproprietary ATMs: Not accepted.
  8. Foreign Checks: Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes to collect the funds from the financial institutions upon which they are drawn.

Revised: 06/23/2010

 
Your Heights Community FCU Accounts are insured to at least $100,000 and backed by full faith and credit of the United States Government through the by the National Credit Union Administration, a U.S. Government Agency (IRAs up to $250,000). Click here to read more about the NCUA. The Heights Community FCU is an equal opportunity housing lender.

Your savings are insured to at least $250,000 and backed by full faith and credit of the United States Government through the National Credit Union Administration (NCUA), an agency of the U.S. Government. IRA accounts are insured separately up to $250,000 by the NCUA. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. APY = Annual Percentage Yield   APR = Annual Percentage Rate
Copyright © 2019 The Heights Community Federal Credit Union. All rights reserved.

The Heights is a member of the Greater Lehigh Valley Chamber of Commerce. Click here to go to their site. The Heights supports Credit Unions for Kids, the most comprehensive fundraising vehicle for members of the credit union movement. Click here to go to the CU4Kids site. The Heights supports the Special Olympics Pennsylvania. Click here to go to their site.