Help Fight Hunger Right Here in Your community. Together we can make a difference! Donate until August 31st.
Click for More Details!
Shape Image

Changes to Policy Reg CC

In accordance with policies mandated by the CFPB and Federal Reserve Board that went into effect on 7/1/2025, we have updated our policy on funds availability. Please review the changes below.

Membership Disclosures:

FUNDS AVAILABILITY DISCLOSURE This policy statement applies to all accounts.

YOUR ABILITY TO WITHDRAW FUNDS AT FORT BILLINGS FEDERAL CREDIT UNION. Our policy is to make funds from your deposits available to You on the same business day we receive your deposit. At that time, You can withdraw the funds and We will use the funds to pay drafts that you have written. For determining the availability of Your deposit, every day is a business day, except Saturdays, Sundays and federal holidays. If You make a deposit before 3:00 p.m. on a business day that We are open, We will consider that day to be the day of Your deposit. However, if You make a deposit after 3:00 p.m. or on a day We are not open, We will consider that the deposit was made on the next business day we are open.

RESERVATON OF RIGHT TO HOLD In some cases, We will not make all the funds that you deposit by check available to you on the same business day after the day of Your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day. However, the first $275 of Your deposit will be available on the same business day. If We are not going to make all of the funds from Your deposit available on the same business day, We will notify you at the time you make your deposit. We will also tell you when the funds will be available. If Your deposit is not made directly to one of Our employees, or if we decide to take this action after You have left the premises, we will mail You the notice by the day after We receive Your deposit. If You need the funds from a deposit right away, You should ask us when the funds will be available.

LONGER DELAYS MAY APPLY We may delay Your ability to withdraw funds deposited by check into Your account an additional ten business days for these reasons: We believe a check You deposit will not be paid. You deposit checks totaling more than $6,725 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 the 10 business days after the day of Your deposit.

DEPOSITS AT AUTOMATED TELLER MACHINES Funds from any deposits (cash or checks) made at Automated Teller Machines (ATMs) will be available on the second business day after the day of deposit, except the U.S. Treasury checks that are payable to You deposited at ATMs will be available on the first business day after the day of deposit. Also, the first $275 of a deposit made at ATMs will be available on the first business day after the day of deposit. Checks drawn on Fort Billings Federal Credit Union will be available on the first business day after the day of deposit if the deposit is made at an ATM located on Our premises.

SPECIAL RULES FOR NEW ACCOUNTS If You are a new member, the following special rules will apply during the first 30 days Your account is open.

SAME-DAY AVAILABILITY Funds from the following deposits are available on the same business day as the day of deposit: ELECTRONIC DIRECT DEPOSITS U.S. Treasury checks that are payable to You.

NEXT-DAY AVAILABILITY Funds from the following deposits are available on the first business day after the day of deposit: Wire Transfer (other than Electronic Direct Deposits). Checks drawn on Fort Billings Federal Credit Union that are located in the same state or check-processing region as Fort Billings Federal Credit Union. Cash that is deposited in person to an employee of Fort Billings Federal Credit Union. State or local government checks payable to You, Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders payable to You that are deposited in person to an employee of Fort Billings Federal Credit Union. Under Our discretion We do reserve the right to extend holds longer than is noted in the above policy.

SECOND-DAY AVAILABILITY Funds from the following deposits are available on the second business day after the day of deposit: Cash that is not deposited in person to an employee of Fort Billings Federal Credit Union. State or local government checks payable to You that are not deposited in person to an employee of Fort Billings Federal Credit Union. Cashier’s, certified, tellers and traveler’s checks, Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders payable to You that are not deposited in person to an employee of Fort Billings Federal Credit Union. Funds from all other check deposits will be available on the fifth business day after the day of Your deposit. Under Our discretion We do reserve the right to extend holds longer than is noted in the above policy.

Business Membership & Account Agreement Disclosure

FUNDS AVAILABILITY DISCLOSURE This policy statement applies to all accounts.

YOUR ABILITY TO WITHDRAW FUNDS AT FORT BILLINGS FEDERAL CREDIT UNION. Our policy is to make funds from your deposits available to You on the same business day we receive your deposit. At that time, You can withdraw the funds and We will use the funds to pay drafts that you have written. For determining the availability of Your deposit, every day is a business day, except Saturdays, Sundays and federal holidays. If You make a deposit before 3:00 p.m. on a business day that We are open, We will consider that day to be the day of Your deposit. However, if You make a deposit after 3:00 p.m. or on a day We are not open, We will consider that the deposit was made on the next business day we are open.

RESERVATON OF RIGHT TO HOLD In some cases, We will not make all the funds that you deposit by check available to you on the same business day after the day of Your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day. However, the first $275 of Your deposit will be available on the same business day. If We are not going to make all of the funds from Your deposit available on the same business day, We will notify you at the time you make your deposit. We will also tell you when the funds will be available. If Your deposit is not made directly to one of Our employees, or if we decide to take this action after You have left the premises, we will mail You the notice by the day after We receive Your deposit. If You need the funds from a deposit right away, You should ask us when the funds will be available.

LONGER DELAYS MAY APPLY We may delay Your ability to withdraw funds deposited by check into Your account an additional ten business days for these reasons:      We believe a check You deposit will not be paid. You deposit checks totaling more than $6,725 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 the 10 business days after the day of Your deposit.

DEPOSITS AT AUTOMATED TELLER MACHINES Funds from any deposits (cash or checks) made at Automated Teller Machines (ATMs) will be available on the second business day after the day of deposit, except the U.S. Treasury checks that are payable to You deposited at ATMs will be available on the first business day after the day of deposit. Also, the first $275 of a deposit made at ATMs will be available on the first business day after the day of deposit. Checks drawn on Fort Billings Federal Credit Union will be available on the first business day after the day of deposit if the deposit is made at an ATM located on Our premises.

SPECIAL RULES FOR NEW ACCOUNTS If You are a new member, the following special rules will apply during the first 30 days Your account is open.

SAME-DAY AVAILABILITY Funds from the following deposits are available on the same business day as the day of deposit: ELECTRONIC DIRECT DEPOSITS U.S. Treasury checks that are payable to You.

NEXT-DAY AVAILABILITY Funds from the following deposits are available on the first business day after the day of deposit: Wire Transfer (other than Electronic Direct Deposits). Checks drawn on Fort Billings Federal Credit Union that are located in the same state or check-processing region as Fort Billings Federal Credit Union. Cash that is deposited in person to an employee of Fort Billings Federal Credit Union. State or local government checks payable to You, Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders payable to You that are deposited in person to an employee of Fort Billings Federal Credit Union. Under Our discretion We do reserve the right to extend holds longer than is noted in the above policy.

SECOND-DAY AVAILABILITY Funds from the following deposits are available on the second business day after the day of deposit: Cash that is not deposited in person to an employee of Fort Billings Federal Credit Union. State or local government checks payable to You that are not deposited in person to an employee of Fort Billings Federal Credit Union. Cashier’s, certified, tellers and traveler’s checks, Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders payable to You that are not deposited in person to an employee of Fort Billings Federal Credit Union. Funds from all other check deposits will be available on the fifth business day after the day of Your deposit. Under Our discretion We do reserve the right to extend holds longer than is noted in the above policy.