Foundation Bank MBC
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Personal Banking Wednesday May 04 2016
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Welcome to Our Personal Banking Page

Since McKenzie Banking Company and Foundation Bank is all about people, we take pride in the quality of our friendly, knowledgeable staff who knows what it means to value the people we serve. Daily we strive for the highest level of customer service and do our best to offer a wide variety of financial products and services. Everyone's financial needs are different and we want you to be able to choose the perfect account to fit yours. So please browse our account choices and then call us or stop by and let us help you finish selecting the account that suits you best.


Funds Availability

Generally our policy is to allow you to withdraw funds deposited in your account on the first business day after the day of your deposit. Funds from electronic direct deposit will be available on the day we receive it.

In some cases, we will not make all the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, the funds may not be available until the second business day after the day of your deposit. However, the first $200 of your deposit will be available on the first business day after the day of your deposit.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:
  • We believe a check you deposit will not be paid
  • You deposit checks totaling more than $5,000 on any one day
  • You redeposit a check that has been returned unpaid
  • You have overdrawn your account repeatedly in the last six months
  • There is an emergency, such as failure of communications or computer equipment
  • Other items, such as post dated, stale dated or altered items
  • New Account - Non Next Day Items, can be held up to eleven (11) business days after the day of deposit

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

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