Funds Availability Notice
Effective July 1, 2025, the dollar amounts in the Spirit Financial Credit Union's Funds Availability Policy will be adjusted for inflation as required by the Expedited Funds Availability Act. The following thresholds are changing and may affect the funds available to you for certain check deposits. Generally, the first $275 from an “Other Check Deposit” will be made available on the 1st business day after the day of your deposit. The remaining funds will be available on the 2nd business day after the day of your deposit. Longer delays may apply for the following circumstances:
We believe a check you deposit will not be paid.
You deposit checks totaling more than $6,725.00 on any one day.
You redeposit a check that has been returned unpaid.
You have overdrawn your account repeatedly in the last 6 months.
There is an emergency, such as failure of computer equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons & we will tell you when the funds will be available. They will generally be available no later than the 7th business day following the day of your deposit.
If you are a new member, funds from the first $6,725.00 will be available on the 1st business day after the day of your deposit for deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks. The excess over $6,725.00 will be available on the 9th business day after the day of your deposit. To receive a copy of the credit union's Funds Availability Policy, please contact us at 267-580-0230.