Yes. Payment order of items – Transactions may post in the order Main Street Bank selects. We process online transactions, telephone transfers, deposits or withdrawals done at the teller window, ATM withdrawals and Point-of-Sale (POS) transactions in real time as they occur. We process ACH transactions (credits then debits), in the morning and evening on the day they are processed. We process checks and similar items, in serial number order on the day they are processed. Other credit transactions such as a deposit at an ATM or mobile deposit will be credited as they are received. The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. If an item is presented without sufficient funds in your account to pay it, we may at our discretion, pay the item (creating an overdraft) or return the item as insufficient funds. The amounts of the insufficient funds fees are discussed elsewhere. We encourage you to make careful records and practice good account management. Refer to the Funds Availability Disclosure Agreement to know when deposits of funds become available.
