Deposit Availability Policy

When a deposit is made to your account, the funds may not be available immediately.  For example,
if you deposit a check on Monday, you may not be able to withdraw the funds from that check, and
we may not pay another check with those funds, until Tuesday or even later.  See the
Availability
Time-line
below for details about when you can use the funds from different types of deposits.

If you withdraw funds from a check deposit, and the check is returned unpaid, we may change the
check back to your account and charge you a
$20.00 fee.

Availability Time-line for Deposits to Established Accounts

Below is our general policy for deposits to accounts that have been open for more than 30 days.  
Longer delays may apply and different rules apply for checks deposited into accounts that have
been open 30 days or less
(see Availability Time-line for Deposits to New Accounts).









What is a "Business Day"?
A business day is any day of the week except Saturday, Sunday, and Federal holidays.  A deposit
made before 4:00 p.m. on a business day is considered deposited that day.  A deposit made after
that time or on a day we are closed, is considered deposited the next business day.

Check Cashing, Immediate Availability, and Holds on Other Funds
We may cash a check or make a check deposit available immediately if you have funds to cover that
check in any of your accounts with us.  If we do, we will hold those funds (equal to the amount of the
check) in your other account(s) according to the timelines described in this policy.

*Longer Delays May Apply
Funds from check deposits may be delayed for up to seven (7) business days if:
  • We believe a deposited check will not be paid
  • You deposit checks totaling more than $5,000 in any one day
  • You redeposit a check that has been returned unpaid
  • You have overdrawn your account repeatedly in the last six (6) months
  • There is an emergency, such as failure of computer or communications equipment

We will notify you if we delay your ability to withdraw funds, and we will tell you when the funds will be
available.

Availability Timelines for Deposits to New Accounts
Wharton County's Credit Union
You need Java to see this applet.
When a deposit is made by . . .
Deposited funds are available . . .
  • Electronic direct deposit
  • Wire transfer
  • Cash
  • The same business day
  • U.S. Treasury Check payable to you
  • The first $200.00 is available on the
    next business day
  • Any remainder over $200.00 is
    available in seven (7) business days
  • Government, cashier's, certified,
    teller's, or traveler's check that is
    payable to you
  • Postal money order, Federal Reserve
    Bank check, or Federal Home Loan
    Bank check payable to you
  • The first $200.00 is available on the
    next business day if deposited with a
    Texasgulf FCU teller, otherwise two
    (2) business days
  • Any remainder over $200.00 is
    available in seven (7) business days
  • Personal Checks
  • The first $200.00 is available on the
    next business day if deposited with a
    Texasgulf FCU teller, otherwise two
    (2) business days
  • Any remainder over $200.00 is
    available in seven (7) business days
®2010 - 2014 Texasgulf FCU              2101 N. Fulton St.   Wharton, TX  77488                                                         1313 West Loop, El Campo, TX  77437
                                                                (979) 282-2300                                    Toll Free (800) 647-8428                          (979) 578-9000
When a deposit is made by . . .
Deposited funds are available . . .
  • Electronic direct deposit
  • Wire transfer
  • Cash
  • The same business day
  • Check
  • The next business day*