FUNDS AVAILABILITY POLICY NOTICE*

Description of Deposit	When Funds Can Be Withdrawn By Cash or Check
Direct Deposits	on the day we receive the check.
Cash	on the first business day after the day of deposit
Wire Transfers	on the first business day after the day of deposit
Cashier's Checks	on the first business day after the day of deposit
Certified Checks	on the first business day after the day of deposit
Teller's or Government Checks	on the first business day after the day of deposit
Checks drawn on our Bank	on the first business day after the day of deposit
the first $100 of a day's deposits of           other checks	on the first business day after the day of deposit
local or non-local checks	on the first business day after the day of deposit

 

*Any deposits made after 2pm on a given business day, is considered the next business day's deposit.   

 

 

PATRIOT ACT INFORMATION

According to the Federal Trade Commission, identity theft is the fastest-growing crime in the country.  Our ability to feel safe is becoming more difficult with terrorism and crime on a steady increase.

 

The USA PATRIOT Act has paved the way for  financial institutions to help prevent fraud, identity theft, and the spread of terrorism.  It required financial institutions to obtain more information from an individual or legal entity to help establish identity.

 

Your cooperation is needed when you open a new account or request a loan.  You may be asked more questions to establish and confirm your identity.  It may also be required for you to provide one or more forms of identification.  

 

First National Bank of the North requires that you provide your name, address, date of birth, social security number, and goverment issued photo ID*. 

(*execptions can be made for minors without photo ID)