To determine the availability of a deposited check, the following is observed: U.S. Treasury checks, wire transfers, checks drawn on Members Choice Credit Union, state or local government checks, cashiers check, certified check, teller's checks, may be considered next day availability.  All other checks are Local checks.  The first $225 from a deposit of local checks will be available on the first business day after the day of your deposit.  If questions, stop by the office for a disclosure.