When Your Deposits, Transfers and Payments Will Be Available

We want you to know when your money is available for you to use.

Knowing when different types of deposits are available for you to use may help you better manage your account. Once the funds from your deposits become available, you can withdraw them in cash and we will use them to pay checks you have written and cover other types of payments you made.

^{Note: In some cases, check deposits may be subject to deposit holds which further delay availability of funds. If we place a deposit hold on your checks deposited, we will notify you at the time you make your deposit. Please refer to our Consumer Deposit Account Agreement for more information.}

Daily Cutoff Times - Consumer

The chart below includes our daily cutoff times based on how you make your deposit, transfer or payment. When you make a transaction before the cutoff time it will be processed on the same business day. All times shown are Eastern Time (ET). 

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