Funds Availability Policy

Our general policy is to make funds from electronic deposits available the business day after the day we receive them. Funds from deposits of cash, US Treasury Checks payable to you, checks drawn on Mirastar payable to you, and the first $275 of other checks are also generally available the first business day after the day of deposit. Electronic deposits are considered received when we have finally collected funds and the information needed to credit them to your account.

Funds from US Postal Service money orders, Federal Reserve and Federal Home Loan Bank checks, California state and local government checks, and cashier’s, teller’s, and certified checks are also generally available the business day after the day of deposit if payable to you and deposited to your account in person to a Mirastar employee. If not deposited in person to a Mirastar employee, funds from these items will generally be available the second business day after the day of your deposit.

Funds after the first $275 of other types of checks are generally available the second business day after the day of your deposit.

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 a 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.

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.

If we are not going to make all of the funds from your deposit available on by the first or second 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 need the funds from a deposit immediately, you should ask us when the funds will be available.

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 $6,725 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 failure of communications or computer equipment.

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. These funds will generally be available no later than the sixth business day after the day of your deposit.

If you are a new member, the following special rules will apply during the first 30 days your account is open.

• Funds from electronic direct deposits will generally be available the business day after we receive them.
• Funds from deposits of cash, US Treasury Checks, and checks drawn on Mirastar will generally be available the business day after the day of deposit.
• The first $6,725 of deposits of US Treasury Checks are generally available the business day after the day of deposit.
• The first $6,725 of deposits of US Postal Service money orders, Federal Reserve and Federal Home Loan Bank checks, California state and local government checks, and cashier’s, teller’s, traveler’s, and certified checks are also generally available the business day after the day of your deposit if payable to you and deposited to your account in person to a Mirastar employee. If not deposited in person to a Mirastar employee, the first $6,725 of funds from these items will generally be available no later than the sixth business day after the day of your deposit.
• Funds from other check deposits may not be available until the sixth business day after the day of your deposit.

Funds from any deposits (cash or check) made at an ATM we own or operate may not be available until the second business day after the day of your deposit. Funds deposited at ATMs we do not own or operate may not be available until the fifth business day after the day of your deposit.

Last revised 07/01/2025