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FAMILY MEMBERSHIP ENCOURAGED!

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UTELFCU is your exclusive home-town financial institution!

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AUTO LOANS!

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 MORTGAGES!

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HOME EQUITY

LOANS!

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PERSONAL

LOANS!

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CONSOLIDATION

LOANS!

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VISA® CREDIT CARDS WITH SCORECARD REWARDS!!!

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This Credit Union is federally insured by the National Credit Union Administration

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Equal Housing Lender

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DEDUCT-A-BUCK

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Funds Availability Policy

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

Holds On Other Funds

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 had deposited it.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.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