Bank building

Funds Availability Disclosure

YOUR ABILITY TO WITHDRAW FUNDS AT FIRST COMMUNITY BANK OF THE HEARTLAND, INC.
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. However, funds from 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/or 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. We process deposits through end of the business day Monday through Friday at all of our locations and deposits will be considered to be made on that business day if they are received prior to the close of business. Those times are listed
below:

LocationMonday - ThursdayFriday

Location


Clinton

Monday - Thursday


4:00pm

Friday


6:00pm

Location


Fancy Farm

Monday - Thursday


3:30pm

Friday


6:00pm

Location


Kevil

Monday - Thursday


4:00pm

Friday


6:00pm

Location


LaCenter

Monday - Thursday


4:00pm

Friday


6:00pm

Location


Wickliffe

Monday - Thursday


4:00pm

Friday


5:00pm

Location


Martin (Skyhawk)

Monday - Thursday


5:00pm

Friday


5:30pm

Location


Martin (Oxford)

Monday - Thursday


4:30pm

Friday


5:00pm

Location


Dresden

Monday - Thursday


5:00pm

Friday


5:30pm

Location


Dyersburg

Monday - Thursday


5:00pm

Friday


5:30pm

Location


South Fulton

Monday - Thursday


5:00pm

Friday


5:30pm

If you make a deposit on a non-business day or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

Reservation of Right to Hold. 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 your check that you deposit funds may not be available until the second business day after the day of your deposit. The first $225 of your deposit, however, may be available on the first business day after the day of 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 business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available.

Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:

  • You deposit checks totaling more than $5,525 on any one day.
  • You redeposit a check that has been returned unpaid.
  • You have overdrawn your account repeatedly in the last six months.
  • We believe a check you deposit will not be paid.
  • There is an emergency such as failure of computer or communications 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. They will generally be available no later than the seventh business day after the day of your deposit.

Holds On Other Funds. If we accept for deposit a check that is drawn on another financial institution, we may make
funds from the deposit available for withdrawal immediately but then delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in the disclosure for the type of check that you deposited

Rev. 01/2022