In accordance with Federal Regulation CC, here are two signs that inform your customer of the policy regarding their rights to draw funds against deposits they have made to any transaction account at your institution. The Funds Availability Policy sign reads:

“Our general policy is to allow you to withdraw funds deposited in your account on the second business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the second business day. Then, the funds will generally be available by the fifth business day after the day of the deposit.”

Funds Availability Policy Signage

You can also contact your IFS sales representative for more information at 815-725-0633, or