IMPORTANT NOTICE

(PLEASE NOTE THAT THIS DOES NOT APPLY TO ALL DEPOSITS, IT WILL ONLY AFFECT  A DEPOSIT WHERE A HOLD HAS ACTUALLY BEEN PLACED ON A CHECK DEPOSIT.)

The Expedited Funds Availability Act (Act) sets forth requirements for the minimum amount of a check deposit that must be available for withdrawal by the following business day. An amendment to the Act provides that this minimum amount must be increased from $100.00 to $200.00.

Effective July 21, 2011, the Citco Federal Credit Union Funds Availability Policy Disclosure is amended as follows:

AVAILABILITY OF OTHER CHECK DEPOSITS — The first $200.00 from a deposit of other checks will be available by the first business day after the day of your deposit. The remaining funds will be available by the second business day after the day of your deposit. For example, if you deposit a check of $700.00 on a Monday, $200.00 of the deposit will be available by Tuesday. The remaining $500.00 will be available by Wednesday.

Please retain this amendment with the original Funds Availability Policy Disclosure provided to you. You are welcome to contact the Credit Union with any questions you may have regarding this change.

Thank you

Holiday Schedule 2012

January 1st & 2nd – New Years Day
January 14th & 16th - Martin Luther King Day
February 18th & 20th – President’s Day
May 26th & 28th – Memorial Day
July 4th - Independence Day
July 13th - Open AFTER Rodeo Parade
September 1st & 3rd – Labor Day
October 6th & 8th – Columbus Day
November 10th & 12th – Veteran’s Day
November 22nd & 24th – Thanksgiving Day
December 24th close at noon – Christmas Eve
December 25th – Christmas Day
December 31st close at noon - New Year's Eve