We are now crediting ACH transactions on the settlement date.  The settlement
date is the date the sender/your employer tells us to make your funds available to
you.  For example, if your payroll check is dated January 19, the funds will be
available in your account the morning of January 19.

What does this mean to you?

Your funds will be available on the date of your settlement. Previously, you
may have been able to access these funds on the date before your settlement
(for example, you may have been able to access your money at an ATM on the
evening prior to your settlement date.)  This will no longer be the case.  You will
be able to access your money no later than 9 am on your settlement date.

In this age of high technology, the speed at which funds are transferred is
amazing.  Telhio will receive and process your deposit on the morning of your
settlement date.  These funds will normally be available in your account no
later than 9 am that day, ready for you to use.

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