---
kind: "section"
citation: "12 C.F.R. § 229.18"
title: "12"
number: "229.18"
heading: "Additional disclosure requirements."
url: "https://uscodex.org/cfr/12/229.18"
---

# §229.18. Additional disclosure requirements.

- (a) **Deposit slips.** A bank shall include on all preprinted deposit slips furnished to its customers a notice that deposits may not be available for immediate withdrawal.
- (b) **Locations where employees accept consumer deposits.** A bank shall post in a conspicuous place in each location where its employees receive deposits to consumer accounts a notice that sets forth the time periods applicable to the availability of funds deposited in a consumer account.
- (c) **Automated teller machines.**
  - (1) A depositary bank shall post or provide a notice at each ATM location that funds deposited in the ATM may not be available for immediate withdrawal.
  - (2) A depositary bank that operates an off-premises ATM from which deposits are removed not more than two times each week, as described in [§ 229.19(a)(4)](/cfr/12/229.19.md?p=a-4), shall disclose at or on the ATM the days on which deposits made at the ATM will be considered received.
- (d) **Upon request.** A bank shall provide to any person, upon oral or written request, a notice containing the applicable specific availability policy disclosure described in [§ 229.l6](/cfr/12/229.l6.md).
- (e) **Changes in policy.** A bank shall send a notice to holders of consumer accounts at least 30 days before implementing a change to the bank's availability policy regarding such accounts, except that a change that expedites the availability of funds may be disclosed not later than 30 days after implementation.

## Notes

### Authority

Authority: 12 U.S.C. 4001-4010, 12 U.S.C. 5001-5018.

### Source

Source: 53 FR 19433, May 27, 1988, unless otherwise noted.