FUNDS AVAILABILITY POLICY  - July 21, 2011

Description of Deposit

When funds can be withdrawn by cash or check

Direct Deposits

The day we receive the deposit.

• Cash
• Wire Transfers
• Cashier’s, Certified, or Teller’s Checks
• Checks drawn on Liberty Bell Bank
• The first $200 of a day’s deposits of other checks

The first business day after the day of deposit.

Other Check Deposits

The second business day after the day of deposit

LONGER DELAYS MAY APPLY

Funds you deposit by check may be delayed for a longer period under the following circumstances:

• We believe a check you deposit will not be paid.
• You deposit checks totaling more than $5,000 on any one day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last six months.

There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available.
They will generally be available no later than the seventh business day after the day of your deposit.