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Funds Availability Policy

Next-Day Availability

Our policy is to make funds from your deposits to accounts with unlimited checking capabilities available to you on the first day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive your deposit. At that time, you can withdraw the funds in cash and we will use the funds to pay checks you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and Federal holidays.

If you make a deposit before 4:00 p.m. Monday through Thursday and 5:00 p.m. on Friday at either our main office located at 287 North Main Street, Lewisburg, Kentucky, or our branch office located at 780 Hopkinsville Road, Russellville, Kentucky, with a staffed teller, on a business day that we are open, we will consider that day to be the day of your deposit. If you make a deposit before 3:00 p.m. Monday through Friday at our branch office located at 200 Armory Drive, Russellville, Kentucky, with a staffed teller, on a business day that we are open, we will consider that day to be the day of your deposit. If you make a deposit after 3:00 p.m. Monday through Friday at our Armory Drive Branch, with a staffed teller, on a business day that we are open, then we will consider the next business day to be the day of your deposit. If you make a deposit before 3:00 p.m. Monday through Friday at our branch office located at 109 Park Avenue, Adairville, Kentucky, with a staffed teller, on a business day that we are open, then we will consider that day to be the day of your deposit. If you make a deposit after 3:00 p.m. Monday through Friday at our Adairville Branch, with a staffed teller on a business day that we are open then we will consider the next business day to be the day of your deposit. However, if you make a deposit with a staffed teller during business hours on Saturday or in the Night Depository after closing hours or on a day we are not opened, we will consider that the deposit was made on the next business day we are open.


Mobile Banking Transactions

Transaction request that are received prior to 5:00 P. M. on Monday through Friday through a mobile device under the bank's Mobile Banking Program will be processed that day. Transaction request through a mobile device that are received after 5:00 P. M. on Monday through Friday will be processed on the bank's next business day. Transaction request that are made through a mobile device on Saturdays, Sundays, or holidays will be process on the bank's next business day.


Longer Delays May Apply

In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the Second business day after the day of your deposit. However, the first $200 of your deposits will be made available on the first business day.

If we are not going to make all of the funds from your deposits available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

  • We believe a check you deposit will not be paid.
  • You deposit checks totaling more than $5,000 on any one day.
  • You redeposit a check that has been returned unpaid.
  • You have overdrawn your account repeatedly in the last six months.
  • There is an emergency, such as a failure of communications or computer equipment.

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


Hold On Other Funds

If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.