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New terms and conditions regarding your deposit account with The First National Bank in Trinidad, which include changes to your ability to withdraw funds, will become effective April 1, 2020.

One of the regulations set forth by the Federal Reserve Bank is Regulation CC, which implements the Expedited Funds Availability Act of 1987.  This act sets certain standards for financial institutions to provide account holders with disclosures that indicate when deposited funds will be available for withdrawal along with other standards.  Recent changes to this regulation will affect the dollar amount that will be made available for withdrawal, and this varies depending on the method of deposit and type of instrument deposited, among other things.

For a complete disclosure including these changes, please click here.