Funds Availability

Same Day Availability

• Cash
• Items with a face value of $100 or less
• US Treasury checks payable to you
• Federal Reserve Bank checks
• Local payroll checks payable to you
• Wire transfers
• NYS, County, City, Village or Town checks
• Cashier checks
• Certified checks
• Money Orders (first endorsed)
• Checks drawn on GCFCU

2nd Business Day Availability
Local items (items drawn on a financial institution located in the same clearing area where the credit union is located and which uses the same clearing facility as we do).

3rd Business Day Availability
Items drawn on any other financial institution located in NY State and not covered by the above.

8th Business Day Availability
Items drawn on any other financial institution located in the US and not covered by the above.

We attempt to make all funds available as soon as possible, but if we, in good faith, doubt the collectability of funds, we reserve the right to make funds unavailable until collected.