The Funds Availability Stop Payments Procedure outlines the guidelines for determining the availability of funds, and explain the procedures for stopping payment of a check. This procedure covers providing funds in the form of cash deposits, wires, and ABC Bank checks to the customer in a timely manner, and to providing the customer the option of stopping payment of a check at the customer’s request. (8 pages, 805 words)

Funds Availability guidelines apply only to basic checking and savings accounts and only to check deposits or items payable as cash items. Other accounts such as Money Market Accounts, Certificates of Deposit, Individual Retirement Accounts, etc., may have more specific guidelines, which are to be provided to the customer at the time of opening an account. Stop payments apply to checking accounts. Keep in mind business days include each day the bank is open for business. Saturdays, Sundays, and holidays are not considered business days.