(a) Deposit slips. A bank shall include on all preprinted deposit
slips furnished to its customers a notice that deposits may not be
available for immediate withdrawal.
(b) Locations where employees accept consumer deposits. A bank shall post in a conspicuous place in each location where
its employees receive deposits to consumer accounts a notice that
sets forth the time periods applicable to the availability of funds
deposited in a consumer account.
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(c) Automated teller machines.
(1) A depositary bank shall post or provide
a notice at each ATM location that funds deposited in the ATM may
not be available for immediate withdrawal.
(2) A depositary bank that operates an
off-premises ATM from which deposits are removed not more than two
times each week, as described in section 229.19(a)(4), shall disclose
at or on the ATM the days on which deposits made at the ATM will be
considered received.
(d) Upon request. A bank shall provide to any
person, upon oral or written request, a notice containing the applicable
specific availability-policy disclosure described in section 229.16.
(e) Changes in policy. A bank shall send a notice to holders of consumer accounts at least
30 days before implementing a change to the bank’s availability policy
regarding such accounts, except that a change that expedites the availability
of funds may be disclosed not later than 30 days after implementation.
