Check Hold Policy
Space Coast Credit Union's check hold policy is as follows:
Checks less than $5,000
| Account Classification | Account Tenure |
Basic Member Rewards Level - Required Hold (In Days) |
Basic Member Rewards Level - Same Day Availability |
Active, Gold, or Platinum Member Rewards Level - Required Hold (In Days) |
Active, Gold, or Platinum Member Rewards Level - Same Day Availability |
|---|---|---|---|---|---|
| New | 30 days or less | 7 | $200 | 7 | $200 |
| First Year | 31-365 days | 2 | $200 | 2 | $1,000 |
| Established | 366 days or more | 2 | $500 | 2 | $2,500 |
Checks $5,000 or more
| Account Classification | Account Tenure |
Basic Member Rewards Level - Required Hold (In Days) |
Basic Member Rewards Level - Same Day Availability |
Active, Gold, or Platinum Member Rewards Level - Required Hold (In Days) |
Active, Gold, or Platinum Member Rewards Level - Same Day Availability |
|---|---|---|---|---|---|
| New | 30 days or less | 7 | $200 | 7 | $200 |
| First Year | 31-365 days | 7 | $200 | 7 | $1,000 |
| Established | 366 days or more | 7 | $500 | 7 | $2,500 |
Longer holds or reduced same day availability may apply.
Accounts with Non-Sufficient Funds and/or returned check activity may be subject to longer holds or reduced same day availability of funds.
Funds from the following deposits (if less then $5,000 and made payable to you) will generally be available the same day. The remainder of the deposit may be subject to the holds noted above.
State and Local Government Checks
Treasury Checks
Cashier, Certified and Teller Checks
