Disclosures

(Updated September 2023)

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Online Banking - Desktop Version

(Updated September 2023)

The following table lists Application Approved device types and OS versions.

(Updated July 2020)

Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use them to pay checks that 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 the close of business on any business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the close of business or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

• Cut-off time is 5:00pm CST for deposits made through: Mobile App, RPM Desktop, and Lock Box.
• Cut-off time is 3:00pm CST for deposits made through deposit accepting ATMs.
• All RPM desktop, mobile, and ATM deposit items require review and acceptance by Resource Bank prior to above cut off times.

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 2nd business day after the day of your deposit. The first $225.00 of your deposits, however, may be available on the first business day.

If we are not going to make all of the funds from your deposit 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.

If you will need the funds from a deposit right away, you should ask us when the funds will be available.

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 $5,525.00 on any one day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last 6 months.
• There is an emergency, such as failure of communications or computer equipment, closure due to inclement weather, etc.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the 7th business day after the day of your deposit. The Financial Institution may delay the posting of an International ACH Transaction (IAT) entry due to additional OFAC screening requirements.

SPECIAL RULES FOR NEW ACCOUNTS

If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's total deposits of cashier's, certified, teller's, travelers, and federal, state and local government checks will be available on the 1st business day after the day of your deposit if the deposit meets certain conditions. The excess over $5,525.00 may be held and if so, will be available on the 9th business day after the day of your deposit.

Funds from all other check deposits may be held and if so, will be available on the 9th business day after the day we receive your deposit.