Generally, we will make the first $275 of the total daily check deposit available by the next business day following the day of deposit. Deposits over $275 and up to $6,725 will be available two (2) business days after the day of deposit. Any check deposits exceeding $6,725 will be available seven (7) business days after the day of deposit.
Deposits made after the daily cutoff time of 8:00 p.m. Eastern Time or on non-business days are considered received on the next business day, and availability timeframes begin from that day.
A business day is Monday through Friday and specifically excludes Federal Reserve Bank Holidays.
In certain circumstances and at our discretion, a portion of or your entire deposit may be delayed for longer periods such as:
- We have reason to believe your deposit with us will not be paid.
- You deposit a check(s) totaling more than $6,725 on any one business day, or otherwise exceed your deposit limit.
- You have overdrawn your account repeatedly in the last six months.
- You deposit one or more checks totaling an amount that requires the paying institution to verify that the check(s) will be paid.
- There is an emergency, such as a failure of communications equipment.
We will notify you if we delay your ability to withdraw funds, and we will tell you when the funds will be available. In most cases, funds will be available within two to seven business days after the day of your deposit.