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This document outlines SunTrust Bank's funds availability policy as mandated by the Expedited Funds Availability Act, detailing when deposited funds will be accessible for withdrawal.
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How to fill out funds availability policy disclosure

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How to fill out Funds Availability Policy Disclosure for Deposit Accounts

01
Gather necessary account information including account type and deposit amounts.
02
Review the specific funds availability policy provided by your financial institution.
03
Fill out the account holder's name and account number at the top of the disclosure.
04
Clearly state the types of deposits that will be covered under this policy (e.g., checks, electronic deposits).
05
Specify the timeframes for available funds for different types of deposits as per the policy.
06
Include any holds on deposits if applicable, explaining the reason and duration for each hold.
07
Provide any relevant contact information for customers to reach out for further questions.
08
Review the completed disclosure for accuracy before finalization.

Who needs Funds Availability Policy Disclosure for Deposit Accounts?

01
Customers who have a deposit account at a financial institution.
02
Bank staff responsible for handling depositor inquiries and account management.
03
Regulatory agencies overseeing banking practices to ensure compliance.
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Generally, the first $225 will be available on the first business day after it's deposited, and the balance — up to $5,525 — will be available on the second business day.
Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. At that time, you can withdraw the funds in cash, or we will use the funds to pay checks that you have written.
This is a bank's policy as to when funds deposited into an account will be available for withdrawal.
$225 Rule. The $225 Rule states that the first $225 of deposits made on any banking day must be made available the next business day.
If the depositary bank extends the availability schedule for such withdrawals, $450 of the deposit must be made available for cash withdrawal no later than 5:00 p.m. on the day specified in the schedule. This is in addition to the $225 that must be made available on the business day following deposit. (§ 229.12(d)).
Because the funds are from a U.S. Treasury check, they must be made available by the first business day following the day of deposit.
This is a bank's policy as to when funds deposited into an account will be available for withdrawal.

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The Funds Availability Policy Disclosure for Deposit Accounts is a document that informs customers about when they can access funds deposited into their accounts, outlining the time frames for cash and check deposits.
Financial institutions, including banks and credit unions, are required to provide the Funds Availability Policy Disclosure to their customers as part of compliance with the Truth in Savings Act.
To fill out the Funds Availability Policy Disclosure, institutions should include details about the types of deposits, the timeframes for fund availability, any holds that may apply, and how customers can obtain information about their deposits.
The purpose of the Funds Availability Policy Disclosure is to promote transparency and ensure that customers are informed about when they can access their deposited funds, helping them manage their finances effectively.
The information that must be reported includes the types of deposits accepted, the specific timeframes for availability of funds, details on any holds placed on deposits, and how customers can inquire about their funds.
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Relevant keywords

funds availability SunTrust Bank deposit accounts expedited funds availability act banking policy withdrawal check processing availability schedule deposit terms bank regulations

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