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Funds Availability

The FRB Federal Credit Union will grant immediate availability of funds on checks deposited to a credit union share account.

Funds may be withdrawn on the day of deposit.

After the funds have been made available and are withdrawn from the account, members continue to be responsible for any item returned to the credit union as unpaid or for any other problems involving the deposit.

The FRB Federal Credit Union may delay the availability of funds based on any of the following reasons:

  • New accounts;
  • If it is believed that the check will not be paid;
  • Checks totaling more than $5,000 on any one day;
  • You have deposited checks that have been returned unpaid;
  • You have overdrawn your account repeatedly in the last six months; and
  • There is an emergency, such as a failure of communications or computer equipment.

For further details, download FRB FCU's Funds Availability Policy (PDF).

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