Information to our membership about same day debit and credit postings:
We do everything to benefit our members. Automatic Direct Deposit credits come in from the Federal Reserve early each morning and are credited to member accounts. Auto debits are posted in the evenings on their scheduled posting date. If someone tries to purchase something on the existing balance throughout the day and forgets a debit may be coming through, that could cause an NSF situation. We do not manipulate or hold the debit or credit files. Also, when our members have checks that bounce the night before, we give members the opportunity to make a deposit by 9:30 the next morning to cover the checks before they are returned unpaid, once again giving our members the advantage.