FUNDS AVAILABILITY DISCLOSURE

  1. Our general policy is to make funds from your deposit available to you on the first Business Day after the day we receive your deposit. Cash, electronic direct deposits, wire transfers and checks drawn on Associated Bank will be available on the Business Day we receive the deposit. Once they are available, you can withdraw funds in cash and we will use the funds to pay checks that you have written.
  2. For determining the availability of your deposits, every day is a Business Day, excluding Saturdays, Sundays, federal holidays and observed federal holidays. If you make a deposit during business hours on a Business Day that we are open, we will consider that day to be the day of deposit. However, if you make a deposit after business hours on a Business Day that we are open, or on a non-Business Day, we may consider that the deposit was made on the next Business Day we are open.
  3. Incoming wire transfers received by 5 p.m. will be credited to your Account that day. Outgoing wire requests received after 3 p.m. will be processed the next Business Day.
  4. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit or present for payment that are returned to us unpaid and for any other problems involving your deposit. Check items presented for cash, deposit or payment must be endorsed as made. Proper endorsement must be placed only in that area reserved for the payee. This reserved section is an area on the back of the check up to one inch from the trailing edge. If you write or mark anywhere on the back of any check other than within the reserved area for the payee, you will be responsible to us for any losses we incur that are caused by these writings or marks.