Withdraw money

Here is what the Deposit Agreement states about availability of funds.

>> Funds Availability

This section explains when deposits to your Account are available for withdrawal.

DELAYED AVAILABILITY

To the extent we accept a check, we may delay the availability of funds. During the delay, funds will not be available for withdrawal, but interest will accrue and be paid on the deposit.

DAY OF DEPOSIT

Except as otherwise described in this Agreement, if we receive a deposit before 9:30 pm ET on a Business Day, that Business Day will be the day of your deposit. If we receive a deposit after 9:30 pm ET on a Business Day or on a non-Business Day, the deposit will be considered received on the next Business Day.

AVAILABILITY OF ACH TRANSFERS

Funds received by ACH Transfer initiated through Apple Wallet from a linked external account will generally be available 5 Business Days after you initiate the ACH Transfer, but may be available earlier.

Funds received by ACH Transfer initiated from an external account to your Account will generally be available on the Business Day we post the deposit.

AVAILABILITY OF APPLE CASH TRANSFERS

Funds received by Apple Cash Transfer will typically be available the same calendar day you initiated the Apple Cash Transfer.

AVAILABILITY OF CHECK DEPOSITS

Accepted checks will be subject to the funds availability timelines outlined in this Availability of Check Deposits section.

Special Checks

For U.S. Treasury or other government checks, certified checks, teller checks, and cashier’s checks (“Special Checks”), up to $5,525 will be available the next Business Day after the day of deposit, and the remainder on the sixth Business Day after the day of deposit, unless an exception applies.

Other Check Deposits

For checks other than Special Checks, up to $225 will be available the next Business Day after the day of deposit, and up to $5,525 will be available on the second Business Day after the day of deposit, unless an exception applies. Any remaining funds will generally be available on the sixth Business Day after the day of deposit.

Exceptions

Funds you deposit by check may be delayed for a longer period if:

• You are a new customer;

• You deposit a single check or multiple checks totaling more than $5,525 on any one day;

• You redeposit a check that has been returned unpaid;

• Your Account is repeatedly overdrawn;

• We believe the deposit will not be paid; or

• There is a business interruption, such as failure of computer or communications equipment.

We will notify you for any of the above reasons and tell you when the funds will be made available, which is generally no later than the sixth Business Day after the day of deposit.

Page 9/15 Goldman Sachs Bank USA. Member FDIC.

New Customers

For purposes of this section, you are generally considered a new customer during the initial 30 calendar days after you make your first deposit in your first account you open with us. You will not generally be considered a new customer, however, if you already have an account open with us at the time you open a new account. For new customers depositing checks other than Special Checks, up to $225 will be available the next Business Day after the day of deposit and the remainder will be available on the sixth Business Day after the day of deposit, unless an exception applies.

We’ll consider a check deposit received on the day it arrives at the address for Check Deposits listed at the beginning of this Agreement subject to the above availability of funds. <<

If you need additional assistance please contact Goldman Sachs Bank.

CONTACTING — Goldman Sachs Bank 

Using Messages; chat with an Apple Card specialist 

Call toll-free at 877-255-5923; or

Write to: Goldman Sachs Bank, Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112.