SUMMER NEWSLETTER 2011
Prevent Identity Theft
You think you’re careful about protecting your identity. You shred your bills,
you don’t respond to suspicious emails, and you never give any financial
information to anyone on the phone. One night you have dinner while
traveling and by breakfast the next morning your credit card information is
being used to make online purchases. You’ve just become a victim of identity
theft, likely at the hands of a restaurant employee.
PROTECT YOUR IDENTITY According to Javelin Research and Strategy, 10% of US consumers have
WITH ITAC SENTINEl® been victimized. Further, the Identity Theft Resource Center reports that it
takes the average victim 30 hours to repair the damage and can cost about
ITAC programs provide some of the most
$500 out of the victim’s pocket.
powerful, and effective credit monitoring tools and
reports to protect you from identity theft. Three At Hudson Heritage, we take identity theft very seriously. Your identity is
levels of service are available ranging in price from yours alone and you can help keep it that way by following these steps:
$8.99/month - $15.99/month. Depending on the
level of protection you purchase you may receive: • Never provide personal financial information, by phone or Internet, if you did not
initiate the contact.
• Your credit report & credit score
• Ongoing credit monitoring and alerts • Never click on a link in an e-mail you think is fraudulent. The link may steal
• Quarterly credit updates your personal information, and may contain a computer virus.
• Access to online Credit Analyzer to calculate
how certain financial decisions might affect credit • Don’t be intimidated by an e-mail or caller suggesting dire consequences
• Internet monitoring for registered credit cards, if you fail to provide or verify financial information.
account numbers, and SSN with alerts
• If you’re unsure whether a contact is legitimate, go to the company’s website
• Comprehensive public record report
and type in its address instead of using a link in the e-mail.
• Public records monitoring and alerts
• Identity Theft insurance ranging from • Report suspicious e-mails or calls to the Federal Trade Commission at
$2,500 to $20,000
www.ftc.gov/bcp/edu/microsites/idtheft/, or call 1-877-IDTHEFT
• ITAC (Identity Theft Assistance Center)
Only ITAC Sentinel® includes ITAC victim assistance • If you fall victim to identity theft, act fast. Alert Hudson Heritage immediately.
where trained ITAC agents guide you through the Place fraud alerts on your credit files. Monitor your credit files and account
steps to restore your credit profile. In the event statements closely. Enrolling in ITAC Sentinel’s® credit monitoring programs
you become a victim, ITAC provides identity theft will offer you protection and peace of mind.
insurance that reimburses certain expenses.
To get protected, enroll online NOW at www.HHFCU.org
HoW To REacH US: 845.561.5607 | www.HHFcU.org
Do your fiNaNcES NEED a facE lift?
It’s easy to get overwhelmed with money management
and the paperwork that goes with it. Here are 3 simple
steps you can take to gain focus on your spending.
1. ORgANIzE. Paperwork piled high? Sort your reports
and receipts to file, shred or deduct.
2. PUT YOUR WAllET ON A DIET. Lose credit cards
you’ve had for less than five years. It takes away
temptation to overspend and it won’t hurt your
3. SEll, SEll, SEll. You’d be surprised how much you
can get for gadgets, books or even clothes you don’t
use anymore. Use the funds to start a new account
or save for a vacation.
FOR MORE HElPFUl HINTS VISIT THE RESOURCE CENTER
from left to right: Kelly chadwick, Katherine Quinn, Mary Hartford and ray litchfield, HHfcu EVP/coo OF OUR WEbSITE: WWW.HHFCU.ORg
Three Local Students
Congratulations to Kelly Chadwick, Katherine Quinn, and Mary Hartford, three
graduating seniors who embody HHFCU’s “people helping people” philosophy.
As a member of the National Honor Society, a High Honor Roll student, and a
peer tutor, Kelly Chadwick has proven herself a model student. Kelly is active in AUgUST 20, 2011 • 9AM - 2PM
school clubs and sports, serving as the captain of Minisink Valley’s Varsity Volleyball
MiDDlEtoWN & NEWBurGH locatioNS
team. She demonstrates a commitment to her community, volunteering in nursing
homes, penny socials, the CROP walk, and local pancake breakfasts. Somewhere Here’s one sure way to prevent thieves from
in between it all, she finds time to gain real-world experience as an intern for an stealing your identity. Gather your identity-sensitive
environmental engineering firm. Kelly will be attending Marywood University this documents and a trained Shred-it professional will
fall, majoring in Elementary Education/Math-English. quickly and accurately shred your
papers in a secured
Katherine Quinn is a Washingtonville High School senior who has demonstrated environment in an
excellent academic performance and involvement in her school and community. on-site truck.
Katherine is a star athlete who plays on the varsity soccer team and runs spring
track. She received a NYS Scholar Athlete award. Katherine helped host the
Washingtonville Senior Citizen Prom, serves as a peer tutor, and volunteers much
of her time working with children at local camps and elementary schools. She will
be attending Quinnipiac University this coming fall as a Nursing student.
Shredding service is performed
Washingtonville High School senior Mary Hartford will be joining Ithaca College by a third party not affiliated
with Hudson Heritage Federal
this fall in the Physical Therapy program. She plays varsity lacrosse and cross- Credit Union. Use this free ser-
country track. Mary is a member of the Future Business Leaders of America vice at your own risk. Please
take care when you decide
and she is highly regarded for her leadership and business achievements. Mary what you need shredded.
Hudson Heritage Federal Credit
has demonstrated her passion for learning as a member of the National Honor Union is not responsible for any
documents that are shredded
Society and the Math and Science Honor Societies. We are certain that her or left at our branches.
pursuits for excellence in education will continue in the years to come.
1st row from left to right: cyndi yanosh, fSr; toni tierney, Sc Mgr; 2nd row from left to right: lyda o’Shea, acct cdtr;
tina Settembrino, Dir Mbr outreach; Nelly Guthrie, aVP Emp relations; Bryanna levine, Brch Supervisor; 3rd row from left to
right: James Mickler, asst controller; ray litchfield, EVP/coo; anthony Kurdziel, VP lending; Michael ciriello, President/cEo
Hudson Heritage and Junior Achievement
Mentor Students in Financial Literacy
and Work Readiness
Employees from Hudson Heritage Federal Credit Union teamed up with Junior
Achievement (JA) of the Hudson Valley this spring to teach fifth grade students
at Mechanicstown Elementary School the basics of business and economics to
prepare them for successful futures.
JA’s work readiness, entrepreneurship and financial literacy program brought
mentors into the classroom with engaging, hands-on activities to help inspire
students to achieve more in life.
Hudson Heritage Service Center Manager Toni Tierney said, “The volunteers at
Hudson Heritage are proud and honored to be part of the Junior Achievement
organization where we are able to mentor and enjoy the inspiring youth of today.”
COMMUNITY blOOD DRIVE
“For our first lesson student entrepreneurs created products or services for
tHE NEED iS coNStaNt.
specific businesses. It was wonderful to see how creative the students were,”
said Bryanna Levine, Branch Supervisor at Hudson Heritage. tHE GratificatioN iS iNStaNt™
Hudson Heritage will deliver the program to over 120 students, with close to 500 AUGUST 10, 2011 • 10:00AM - 3:00PM
students participating in the Junior Achievement program at Mechanicstown.
ryKoWSKi laNE BraNcH
Volunteers bring their banking experience to motivate students to envision a
successful future and to encourage entrepreneurial thinking. By connecting
Someone in America needs blood every two seconds.
what they learn in the classroom to future goals, students see the relevance in
When you donate just one pint of your blood, it can save
education, and how it will help them make smart decisions for their futures, and
up to three lives.
to learn the steps to succeed in life.
Lyda O’Shea, Accounting Coordinator at Hudson Heritage acknowledged the Giving blood takes just one hour of your time and your
attentive and inquisitive nature of her fifth grade class. “This experience contribution helps ensure a healthy and reliable blood
supply. And you’ll feel good knowing you’ve helped
is inspiring to me and the students and it validates the importance of
change a life. Healthy adults who are at least 17 years
understanding business and economics in life,” she said.
old, and at least 110 pounds may donate about a pint
The Junior Achievement program has operated at Mechanicstown Elementary of blood.
School for over 15 years, and demonstrates the innovative learning environment
the school’s administration encourages. To make an appointment or for more information
For more information about Junior Achievement programs,
please visit http://hudsonvalley.ja.org.
The Key to Savings:
Auto & Home
The key to great savings fits both your auto and
home. The “MEMbER” AUTO AND HOMEOWNERS
INSURANCE program is made available to you by
Hudson Heritage Federal Credit Union.
This program could help you save money all year.
When you call, an agent will ask questions about
your situation, then apply the discounts that you
qualify for. On average, credit union members
save up to $329.07* a year!
Combine auto and home coverage to save even
more. Plus, both auto and home insurance
programs provide dependable 24/7 claims
service that you deserve.
For a free, no pressure quote, call toll-free 1.888.380.9287
or visit us at www.membersautohome.com
Mon.–Fri., 7am–1am; Sat. 7am–11:30pm;
Sun. 9am–10pm ET
Mc2503ar-1110 coverage made available by cuNa Mutual insurance agency, inc. and underwritten by leading insurance companies. to the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in
all states and discounts vary by state. a consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. the insurance offered is not a deposit and is not federally insured
or guaranteed by your credit union. *figure based on a february 2010 national sample of auto policyholder savings when comparing their former premium with those of the MEMBErS auto and Home insurance program. individual premiums and savings will vary
depending on your insurance carrier and coverages and limits purchased.
Introduce a Friend to the
and Lower Loan Rates
at Hudson Heritage!
When your friend joins you’ll both receive
$10 PlUS... a chance to
EacH in American Express® Gift Cards!
ten (10) dollar award may be subject to 1099 irS reporting. No purchase necessary to enter or win drawing. Void where
prohibited by law. contest open to all Hudson Heritage federal credit union members age 18 or older. contest period: 4/1/10
through 11/1/10. See complete official rules in our branches or online at www.hhfcu.org. Hudson Heritage federal credit union
and american Express are not affiliated with, or endorsed by, each other. american Express is not a participant in this contest.
Better Financing Rates
Did you know you can borrow against the equity in your home
for home improvement projects, vacations and more? It may
be tempting to finance it on a credit card, but most bank credit
than Credit Cards! cards carry double digit interest rates. Here’s a better way:
HOME EQUITY lINE OF CREDIT
ratES aS loW aS
for firSt 6 Mo. tHEN aS loW aS 4.00%aPr
zERO ClOSINg COSTS,2.
zERO POINTS OR APPlICATION FEE!
FIXED HOME EQUITY lOANS AlSO AVAIlAblE
If you need a loan we’re standing by. We’ll walk you through the loan application, or you can apply online
and have a representative call you at your convenience. You may even be eligible for instant approval.
DRIVE FOR lESS!
auto loaN ratES aS loW aS
• UP TO 1% OFF APPROVED RATE4.
• PlUS 1% REbATE UP TO $1505.
• 60 DAY DEFERMENT ON YOUR
APR3. 1ST PAYMENT
VACATION lOAN SPECIAl!
ratES aS loW aS
• MAXIMUM lOAN AMOUNT $2,500
• TERMS UP TO 24 MONTHS
1. aPr is annual percentage rate. all extensions of credit are subject to credit approval. rates shown are lowest rates offered for the loan products advertised. applicants that are not approved for these loan rates or terms may be offered credit at a higher rate and/or with
different terms. this is a limited time offer which can be withdrawn at any time. all terms are subject to change without notice. for variable rate loans, the aPr may be increased after consummation. there are certain draw down, balance requirements, and loan to value
restrictions which may apply. offer not valid on existing HHfcu real estate lines of credit or loans. 2. Home Equity lines closed out prior to their three-year anniversary date will be subject to the addition of all waived closing costs to the payoff balance. contact a credit union
employee for further details. appraisal required for loans with 80% ltV and higher. appraisal costs, if required, are paid by the borrower and will be reimbursed when the loan is funded.
3. aPr=annual Percentage rate. rates as low as 2.50% aPr with 24 month term and 80% ltV. as an example: a 24 month loan with a fixed rate of 2.50% at 80% ltV would result in a payment of $42.86 for each $1000 financed. actual rate may vary based on credit
worthiness and down payment. 100% financing is also available for qualified borrowers. all rates quoted include a 1.00% reduction for members who pay their loans through automatic transfer from a share or share draft account. all extensions of credit are subject to credit
approval. rates shown are lowest offered for the loan products advertised. applicants that are not approved for these loan rates or terms may be offered credit at a higher rate and/or with different terms. all terms are subject to change without notice. 4. other terms available,
maximum term is 60 months. 5. rebate will be 1% of the HHfcu auto loan amount and is subject to a $150 limit. rebate will be given to the member in the form of a check or deposit into member’s HHfcu savings or checking account after the auto loan is booked. auto
loans paid off and closed prior to eighteen months will be subject to the addition of the cash rebate amount added to the payoff balance. all extensions of credit are subject to credit approval. offer may be withdrawn at anytime without notice.
6. aPr=annual Percentage rate. rates as low as 6.99% aPr with 24 month term. actual rate may vary based on credit worthiness. all rates quoted include a 1.00% reduction for members who pay their loans through automatic transfer from a share or share draft
account. all extensions of credit are subject to credit approval. rates shown are lowest offered for the loan products advertised. applicants that are not approved for these loan rates or terms, may be offered credit at a higher rate and/or with different terms. all terms
are subject to change without notice. limited time offer, could end at anytime. EQUAl HOUSINg lENDER
YOUR MONEY: FREE & EASY
The CO-OP Network gives you
SURCHARGE-FREE access to 28,000
ATMs throughout the US and Canada.
Find one wherever you are:
• ONlINE: click to www.hhfcu.org
• bY PHONE: text your address, intersection or
zip code to 692667 (MYCOOP)
*Standard text messaging rates may apply through your provider)
Personalized Banking: • iPhone: download the FREE CO-OP ATM
iPhone app from the iTUNES store.
It’s Our Promise • gPS: Download the database to your
Garmin®, Tom Tom® or other GPS
Whenever you do business with us our positive, can-do attitude and device here at http://poiplaza.com
commitment to professional excellence shines. We’ll greet you with a warm, Note: Surcharges should not occur when withdrawals are made through the co-oP
Network. However, some atM machines may indicate a fee notice on the screen when
friendly smile and treat you with the utmost respect. With each interaction, your transaction is being processed. to verify a surcharge was not charged, please
check your receipt. the receipt will show any surcharge as it will be added to the total
we’ll leave no doubt in your mind that our team at Hudson Heritage is highly withdrawal amount. Please contact us immediately if a surcharge does occur.
bOARD OF DIRECTORS
Branch Locations, Hours & ATMs
Paul Zalanowski Newburgh MIDDLetOwN
Vice-Chairperson 2 Corwin Court 25 rykowski Lane
Thomas Houston LObbY DrIVe-uP MoNDay - WEDNESDay 9:00aM - 5:00PM
MoNDay - WEDNESDay 9:00aM - 5:00PM 8:30aM - 5:00PM tHurSDay - friDay 9:00aM - 6:00PM
Treasurer tHurSDay - friDay 9:00aM - 6:00PM 8:30aM - 6:00PM SaturDay 8:30aM - 2:00PM
Virginia Wilson SaturDay 8:30aM - 2:00PM 8:30aM - 2:00PM 24 HoUR aTMs
24 HoUR aTM
Secretary 42 Jason Place
Stanley Goldberg walmart Supercenter In-Store branch, 1201 route 300 MoNDay - WEDNESDay 9:00aM - 5:00PM
MoNDay - friDay 9:00aM - 7:00PM tHurSDay-friDay 9:00aM - 6:00PM
Michael Mahar SaturDay 9:00aM - 5:00PM
24 HoUR aTM
Kent Hottinger New PaLtz
Robert Gould 243 Main Street, Suite 160
gOSheN MoNDay - tHurSDay 9:00aM - 5:00PM
Department of Public works bldg., route 17M friDay 9:00aM - 6:00PM
Robert Van Dusen, MoNDay - tHurSDay 8:30aM - 4:30PM SaturDay 8:30aM - 2:00PM
Director Emeritus friDay 8:00aM - 4:30PM 24 HoUR aTM
SUPERVISORY COMMITTEE SuNY Campus - Lower Level of haggerty
William Wiseman, Jr. Old glory Mall, 95 Maher Lane, Ste. 9 administration building, 1 hawk Drive
MoNDay - tHurSDay 9:00aM - 5:00PM MoNDay - friDay 9:00aM - 5:00PM
Sandra Gerow friDay 9:00aM - 6:00PM ATM Located in Student Union Building, available during open building hours
James Williams 24 HoUR aTMs
Robert Sassi MONtgOMerY
waShINgtONVILLe 17 walnut Street
OPERATIONS 131 east Main Street MoNDay - friDay 7:00aM - 5:00PM
President & CEO LObbY DrIVe-uP SaturDay 8:30aM - 2:00PM
Michael J. Ciriello
MoNDay - tHurSDay 9:00aM - 5:00PM 9:00aM - 5:00PM
Executive Vice President friDay 9:00aM - 6:00PM 9:00aM - 6:00PM MeMber SerVICe CeNter hOurS
& COO SaturDay 8:30aM - 2:00PM 8:30aM - 2:00PM MoNDay - friDay 8:00aM - 7:00PM
Ray F. Litchfield 24 HoUR aTM SaturDay 8:30aM - 2:00PM
Chief Financial Officer
Deborah Dulisse HOlIDAY ClOSINg CAlENDAR
Vice President of lending All HUDSON HERITAgE lOCATIONS WIll bE ClOSED IN ObSERVANCE OF THE FOllOWINg HOlIDAYS:
Anthony Kurdziel labor Day, Monday, September 5, 2011
columbus Day, Monday, october 10, 2011
by NCUA HoW To REacH US: 845.561.5607 | www.HHFcU.org EQUAl HOUSINg
3 6 6 7 1 - P R I VA C Y- 0 6 1 1
WHAT DOES HUDSON HERITAGE FEDERAL CREDIT UNION
FACTS DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law
gives consumers the right to limit some but not all sharing. Federal law also requires
us to tell you how we collect, share, and protect your personal information. Please
read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or
service you have with us. This information can include:
• Social Security number and checking account information
• Credit card or other debt and credit history
• Payment history and transaction history
When you are no longer our customer, we continue to share your information as
described in this notice.
How? All financial companies need to share members’ personal information to run their
everyday business. In the section below, we list the reasons financial companies can
share their members’ personal information; the reasons Hudson Heritage Federal
Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information: Does Hudson Heritage Federal Can you limit this sharing?
Credit Union share?
For our everyday business purposes – Yes No
such as to process your transactions, maintain your
account(s), respond to court orders and legal
investigations, or to report to credit bureaus
For our marketing purposes – Yes No
to offer our products and services to you
For joint marketing with other financial services Yes No
For our affiliates’ everyday business purposes – No We don’t share
information about your transactions and experiences
For our affiliates’ everyday business purposes – No We don’t share
information about your creditworthiness
For our affiliates’ to market to you No We don’t share
For our non-affiliates’ to market to you No We don’t share
Questions? Call 845.561.5607 or go to www.hhfcu.org
What we do
How does Hudson Heritage Federal Credit Union protect my To protect your personal information from unauthorized access and use, we
personal information? use security measures that comply with federal law. These measures include
computer safeguards and secured files and buildings.
How does Hudson Heritage Federal Credit Union collect my We collect your personal information, for example, when you
personal information? • Open an account or apply for a loan
• Use your credit or debit card or provide employment information
• Apply for financing
We also collect your personal information from others, such as credit bureaus,
affiliates, or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit only
• Sharing for affiliates’ everyday business purposes – information about
• Affiliates from using your information to market to you
• Sharing for nonaffiliates to market to you. State law and individual
companies may give you additional rights to limit sharing.
Affiliates Companies related by common ownership or control. They can be financial
and nonfinancial companies.
- Hudson Heritage Federal Credit Union has no affiliates
Nonaffiliates Companies not related by common ownership or control. They can be
financial and nonfinancial companies.
- Nonaffiliates we share with can include plastic card processors
(credit/debit/ATM), financial statement publishers or printers, consumer
reporting agencies, data processors, and check/share draft printers
Joint Marketing A formal agreement between nonaffiliated financial companies that together
market financial products or services to you.
- Our joint marketing partners include CUNA Mutual Group’s
MEMBERCONNECT and credit card companies
Other important information
for More Summer Cash!
SUMMERTIME MEANS VACATIONS, HOME IMPROVEMENT, AND MORE!
In these current economic times you can probably use some extra cash to pay for it all. Now for just $25, you can
skip one Hudson Heritage FCU loan payment on one of your personal loans this summer, leaving you more money
to do the things you want! To skip a loan payment, just fill out the form below and return it to Hudson Heritage FCU.
Name____________________________________________________ Member # ________________________________________
Daytime Phone # ________________________________ Email address _______________________________________________
APPLY SKIP-A-PAY TO: q PERSONAL LOAN q AUTO LOAN ACCOUNT # _____________________________
SKIP-A-PAY MONTH : q JULY q AUGUST q SEPTEMBER
CURRENT METHOD OF PAYMENT: q CHECK q PAYROLL DEDUCTION q ACH (AUTO TRANSFER)
PLEASE NOTE: HUDSON HERITAGE REQUIRES TWO WEEKS NOTICE TO PROCESS YOUR SKIP-A-PAY REQUEST. IF LOAN IS PAID BY
ACH (AUTOMATIC TRANSFER) FROM ANOTHER FINANCIAL INSTITUTION, MEMBER MUST DIRECT FINANCIAL INSTITUTION NOT TO
FORWARD PAYMENT TO HHFCU DURING THE SKIP-A-PAY MONTH.
A $25 FEE APPLIES. CHOOSE PAYMENT METHOD:
q MY CHECK FOR $25 IS ENCLOSED.
q PLEASE TRANSFER THE $25 FEE FROM MY: q SAVINGS q CHECKING
I/we wish to participate in the HHFCU Skip-A-Pay program. Please defer payment for the loan indicated on this form. I/we understand that to participate in the HHFCU Skip-A-Pay program my/our
last three months loan payments must have been on time and my/our account must be in good standing. I/we accept the $25 fee associated with the Skip-A-Payment program. I/we understand that
interest will continue to accrue on the outstanding balance of the loan until it is paid in full. I/we understand that I/we continue to be responsible for the entire outstanding principle and interest of
my/our loan, and that I/we will be responsible to continue to make the monthly payments after the original maturity date until all principle and interest is paid in full and that if applicable, the pledge
of security shall remain in effect until the loan is fully repaid. I/we understand that the next regular payment will be due on the scheduled payment date following the due date that I/we have elected to
Skip-A-Payment. I/we also understand that for auto loans that include GAP coverage: in the event of a claim, the amount of GAP coverage will be reduced by the amount of the GAP payment skipped.
Signature_________________________________________________________________ Date _____________________________
Co-Borrower Signature_____________________________________________________ Date _____________________________
*A fee of $25 is due and payable upon execution of the Skip-A-Payment. This fee is not applied toward payment of the loan. Limit one loan and one skipped payment per person. Processing fees
will be returned to anyone not eligible to participate in this offer. In order to skip your payment, all loans and accounts must be current and in good standing at the time we receive your request,
and your loan must have opened more than 6 months ago. Note, both the primary member and co-borrower/co-signer (if applicable) MUST sign and return this form. This offer is subject to credit
approval and does not apply to overdraft line of credit, credit card or real estate loans. This is a limited time offer that may be withdrawn at any time.
RETURN THIS SIGNED FORM TO:
HHFCU SKIP-A-PAY PROGRAM
25 RYKOWSKI LN, MIDDLETOWN, NY 10941
YOU MAY ALSO FAX THIS FORM TO: 845.326.1515, ATTN: SKIP-A-PAY PROGRAM
FUNDS AVAILABILITY POLICY
(Effective July 21, 2011)
Local checks deposited to your account: for amounts up to and including $5,000, the first $200 will be available on the first
business day following the day of deposit and the remaining funds will be available on the second business day following
the day of deposit.
Longer Delays May Apply: funds deposited by check may be delayed for a longer period under the following circumstances:
• We believe a check deposited will not be paid
• Checks deposited totaling more than $5,000 on any one day
• Redeposit of a check that has been returned unpaid
• The account has been repeatedly overdrawn in the last six months
• There is an emergency, such as failure of computer or communication equipment
We will notify you if we delay your ability to withdraw funds for any reason 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.