Photo: Anete Lusina

Can a bank ask why you are withdrawing money?

Yes. The bank may be asking for additional information because federal law requires banks to complete forms for large and/or suspicious transactions as a way to flag possible money laundering.

federalreserveconsumerhelp.gov - Can a bank - Federal Reserve Consumer Help

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Banks can place "holds" on checks for a variety of reasons. Most commonly, banks hold a check because the collection of the money may be in doubt or the check looks suspicious for some reason. Holds may also be placed when a large dollar amount ($5,525 or more in checks) is deposited in one day or when funds are deposited into a new account (opened 30 or fewer days ago). A federal law, the Expedited Funds Availability Act (EFA), or Regulation CC, provides exceptions that allow banks to delay or "hold" funds deposited by check for an extended period of time. When this happens, you must be given a notice stating the reason for the hold and when your funds are available for withdrawal. Please see the Deposit Accounts and Deposit Insurance section for additional details. You may also want to review the account agreement you received when you opened your account for details about your bank's funds availability policies and procedures. A bank must give you a copy of its deposit availability disclosure upon request.

When Will Your Funds Be Available

Type of Deposit When Available ** Direct deposits Day of deposit Wire transfers Next business day (Mon-Fri) First $225 of any non-"next-day" check deposited Next business day (Mon-Fri) Cash* Next business day (Mon-Fri) U.S. Treasury checks (deposited in person or at ATMs owned by your financial institution) Next business day (Mon-Fri) U.S. Postal Service money orders* Next business day (Mon-Fri) State or local government checks* Next business day (Mon-Fri) Cashier's, certified, or teller's checks* Next business day (Mon-Fri) Checks and money orders drawn on another account at the same financial institution Next business day (Mon-Fri) Federal Reserve Bank and Federal Home Loan Bank checks* Next business day (Mon-Fri) Any other checks and non-U.S. Postal Service money orders Second business day (after the day of deposit) Deposits (of items noted by "*") made at an ATM owned by your financial institution Second business day (after the day of deposit) Deposits made at an ATM not owned by your financial institution Fifth business day (after the day of deposit)

* Deposited in person

** Maximum hold allowed; your funds may be available sooner - check with your financial institution

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What color is invisible to bugs?

red The lowest frequency of color we see, red, is invisible to insects. Conversely, while violet light is the highest frequency of color humans can detect on the electromagnetic spectrum, many insects can see a higher frequency of light invisible to us, ultraviolet light.

indianapublicmedia.org - Insect Color Vision | A Moment of Science - Indiana Public Media

Insect larvae and some fully developed insects, such as termites, are either blind or possess only simple eyes. Simple eyes can pretty much differentiate only between light and dark. Most adult insects, however, have compound eyes, which are equipped to distinguish colors.

The Compound Eye

Among compound-eye insects, though, the majority are bichromatic. This means they have just two types of color pigment receptors, and, as a result, they are not so good at distinguishing pure colors from mixtures of colors. Their color spectrum is limited. Trichromatic insects, such as honeybees, have three types of pigment receptors, like we humans do. They can distinguish a wider spectrum of colors than bichromatic insects. However, their three pigment receptors do not coincide with ours.

Human Vision Vs. Insect Sight

The spectrum of colors visible to insects is a little higher in frequency than what we humans can see. The lowest frequency of color we see, red, is invisible to insects. Conversely, while violet light is the highest frequency of color humans can detect on the electromagnetic spectrum, many insects can see a higher frequency of light invisible to us, ultraviolet light.

Ultraviolet Flowers

Ultraviolet light makes patterns on flowers, helping honeybees distinguish these flowers from others that to the human eye may look much the same. It makes intricate patterns on butterfly wings that look drab to our limited vision. Ultraviolet light also guides monarch butterflies in their extraordinary two thousand mile migrations. We've developed instruments that help us to detect the presence of ultraviolet light, but we can only guess at what it looks like to those creatures that can really see it.

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