Cash Electronic deposits drawn on AlternativesCashiers certified teller and official bank checks NY State and local government Fed Reserve Federal Home First 200 or less ID: 891170
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1 AGGREGATE AVAILABILITY Cash, Electronic
AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Check Holds for New Accounts AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Check Holds for New Accounts AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Check Holds for New Accounts AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Check Holds for New Accounts AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Check Holds for New Accounts AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - $5,525+ AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Check Holds for New Accounts AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - $5,525+ AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Check Holds for New Accounts AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - $5,525+ First $5 or less - - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Check Holds for New Accounts AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - $5,525+ First $5 or less - - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Check Holds for New Accounts AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Check Holds for New Accounts AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Check Holds for New Accounts AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01+ Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $2less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $2or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $2or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $20 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $20 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $00 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $00 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $2or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $2or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $20 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $20 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $00 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $00 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $00 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - $5001+ Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $00 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $00 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $00 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Check Holds for New Accounts AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01+ AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Check Holds for New Accounts AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Check Holds for New Accounts AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01+ AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Check Holds for New Accounts AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) First $200 or less - - - - - - - - - - - - - - - $201+ Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is receiv
2 ed. Deposits after 3PM on a business day
ed. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $000 or less Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $000 or less Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.$5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start travelers checks Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. conditions Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days 7 business days or longer based on circumstances First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days 7 business days or longer based on circumstances First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days 7 business days or longer based on circumstances First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*$5001+Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*First $5000 or less - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*- - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.First $200 or less - - - - - - - - - - - - - - - $201 - $5000 - - - - - - - - - - - - - - - $5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.$5001+Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01+ AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01 First $00 or less - - - - - - - - - - - - - - - 01 Immediate - - - - - - - - - - - - - - - - - - - - - business days Immediate - - - - - - - - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.See reverse side for Accounts over 30 days old and graduates of Fresh Start $5,525+ First $5 or less - - - - - - - - - - - - - - - $5,525+ First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks,, NY State and local government, Fed Reserve, Federal Home Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers (Except for Fresh Start Accounts. See below.) Exception Hold: third party, re-deposited, doubtful collection, emergency conditions 7 business days or longer based on circumstances Check Holds for Fresh Starts Accounts AGGREGATE AVAILABILITY As above except Personal and Business Checks not drawn on Alternatives, travelers checksAny 7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01 First $00 or less - - - - - - - - - - - - - - - 01 Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Immediate - - - - - - - - - - - - - - - - - - - - - Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01 First $00 or less - - - - - - - - - - - - - - - 01 Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period.Check Holds for accounts 30 days and older or graduates of Fresh Start AGGREGATE AVAILABILITY Cash, Electronic deposits, drawn on Alternatives Cashiers, certified, teller, and official bank checks, NY State and local Government, Fed Reserve, Federal Home Loan Bank, US Postal M.O*Immediate - - - - - - - - - - - - - - - - - - - - - Next business day, if presented in person to a teller 2 business days if by mail, ATM, night drop - - - - - - - - - - - - - - - - - - - - - 5 business days US Treasury*Immediate - - - - - - - - - - - - - - - - - - - - - 5 business days Personal and Business checks not drawn on Alternatives, travelers non US Postal M.O.Immediate - - - - - - - - - - - - - - - - - - - - - 2 business days - - - - - - - - - - - - - - - - - - - - - 5 business days Exception Hold: third party, re-deposited, doubtful collection, emergency conditions7 business days or longer based on circumstances Every day we are open is a business day, except Saturday, Sunday, and federal holidays. Deposits not made directly to an Alternatives employee (such as by mail, ATM or in the night drop) are considered made the next open business day after the day deposit is received. Deposits after 3PM on a business day, (2PM Friday) are considered made the next business day. * Checks (in italics) are low-risk only when the following endorsement/deposit standards are met: 1) The check must be personally endorsed only by the payee, 2) must be deposited in an account held by that payee, and 3) must be deposited in person to a Credit Union employee. If a check does not meet all of these endorsement/deposit standards, it is not low risk and we may apply the longer hold period. First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - First $5 or less - - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01 - $5- - - - - - - - - - - - - - - First $00 or less - - - - - - - - - - - - - - - 01 First $00 or less - - - - - - - - - - - - - - - 0