
US Bank has a standard check hold policy that applies to all accounts, which typically holds checks for 2-4 business days. This means that the funds from the check may not be available immediately.
The check hold period can vary depending on the type of account, with business accounts and accounts with overdraft protection typically having a 4-day hold. This is because business accounts are subject to more stringent verification procedures.
For example, if you deposit a check into your US Bank account on a Monday, the funds will likely be available by Thursday or Friday. However, if you deposit a check on a Friday, the funds may not be available until the following Monday.
US Bank's check availability schedule is as follows: local checks are available on the next business day, while non-local checks are available 2 business days after deposit.
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Check Deposit Availability
Deposits in cash, postal money orders, U.S. Treasury checks, cashier's checks, certified checks, and teller's checks are usually available on the same business day they are received.
Electronic payments, such as wire transfers, ACH credits, and pre-authorized payments, typically qualify for same-day fund availability at many financial institutions.
The Expedited Funds Availability Act, or Regulation CC, was enacted in 1987 to standardize hold periods on deposits and regulate the use of deposit holds.
Banks can hold funds for up to nine business days after the deposit has been made, but not how quickly your funds will become available to you.
To qualify for same-day deposit availability, you must make the deposit in person before the bank's established cutoff time on a business day when it's open.
Some banks reward loyal customers for their long-standing support, where the likeliness of same-day deposit availability increases for older accounts in good standing.
Deposits that are made after the cut-off time or on a day the bank is closed will be made on the next business day it's open.
The cut-off time for deposits varies by bank, but here are some common times:
Funds from certain check deposits deemed to be risky by the financial institution may be delayed for a longer period and put under various holds.

These holds can last up to eight business days after you've made your deposit, and your bank will notify you at the time you make the deposit and tell you when your funds will become available.
Exceptions to the bank deposit hold rules include new accounts, excessive deposits, redeposits, account history, and emergencies.
If your account is less than 30 days old, or if you've had repeated overdrafts in the past six months, your bank may hold your deposit for a longer period.
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Expedited Funds Availability Act (Reg CC)
The Expedited Funds Availability Act, also known as Regulation CC, was enacted in 1987 to standardize hold periods on deposits.
Regulation CC regulates the use of deposit holds at financial institutions across the U.S. and requires banks to provide fund availability disclosures and notices to customers for when their funds will be available for withdrawal.
Financial institutions are allowed to hold your funds for up to nine business days after the deposit has been made.
This means that even if you deposit money into your account, it may not be available for immediate withdrawal.
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Check Deposit Cut-Off Time
To make your funds available on the same day you deposit your check, you must make the deposit in person before the bank's established cutoff time on a business day when it's open.
The cutoff time varies by bank, but here are the cut-off times for deposits at the biggest banks in the U.S.
If you make a deposit after the cut-off time or on a day the bank is closed, your deposit will be made on the next business day that it's open.
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Availability Schedule
If you make a deposit before 4:30 pm on a business day that the bank is open, the bank will consider that day to be the day of your deposit.
The length of the delay varies depending on the type of deposit and the bank's policies. For low-risk deposits, the usual hold time lasts no longer than the first business day after you deposit.
Banks may hold certain types of deposits for longer periods, such as checks that exceed a $5,525 deposit or are redeposited. These holds can last anywhere from two to five business days.
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The Expedited Funds Availability Act of 1987 (EFAA) mandated that local checks may be held for no longer than two business days, but this has been extended to five days for some types of checks.
Here's a breakdown of the availability schedule for some common types of deposits:
Some banks may have special deposit slips or envelopes required for next-day availability of your deposit. Be sure to check with your bank before making the deposit.
Check Deposit Cut-Off Time
You need to make your deposit in person before the bank's established cutoff time on a business day when it's open for the bank to consider making your funds available on the same day.
The cut-off time varies by bank, but here are the cut-off times for some of the biggest banks in the U.S.:
The cutoff times for deposits at these banks are not specified, but it's essential to check with your bank directly for their specific cut-off time.
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If you deposit a check after the cut-off time or on a day the bank is closed, your deposit will be made on the next business day that it's open.
Banks can't hold cash or electronic payments, direct deposits, money orders, cashier's checks, certified checks, teller's checks, or state or local government checks.
Potential Delays
Funds from certain check deposits may be delayed for a longer period and put under various holds.
If you deposit checks totaling more than $5,000 on any one day, the funds may be delayed. This is a common scenario where banks exercise extra caution.
Redepositing a check that's been returned unpaid can also cause the funds to be delayed. This is a clear indication that the bank is being extra cautious.
If your account is less than 30 days old, the funds may be delayed. This is because the bank wants to verify the account's stability.
Repeatedly overdrawing your account in the past six months can also lead to delayed funds. This is a sign that the bank is concerned about your account's history.
In emergency situations, such as a failure of computer or communications equipment, don't expect the funds to become available immediately. This is just a temporary setback.
If the bank believes that the deposited check will not be paid, it will delay the fund availability. This is a reasonable precaution to take.
In some cases, the bank may not make all the funds available according to the standard availability schedule. This can be frustrating, but it's essential to understand the reasons behind it.
The first $200 of your deposits may be available on the first business day after the day of deposit, but the remaining funds may take longer to become available. This is a standard practice among banks.
Funds may be delayed under various circumstances, including if the bank believes a check will not be paid, if you deposit large amounts, or if there's an emergency condition.
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Special Rules and Exceptions

If you're a new customer, special rules apply during the first 30 days your account is opened. This means funds from electronic direct deposits will be available on the day they're received, but funds from other deposits may take longer to become available.
Banks are allowed to maintain holds for longer than usual in certain situations, such as if you have a new account that's less than 30 days old, if you deposit more than $5,525 in checks on a single day, or if you have a history of overdrafts.
Here are some common exceptions to the bank deposit hold rules:
- New account: One opened for 30 calendar days or less
- Excessive deposits: More than $5,525 in checks on any one day
- Redeposits: Checks that were returned unpaid
- Account history: Repeated overdraws
- Emergencies: Including loss of communications or computer facilities.
Banks may also place holds on deposits if they have reasonable cause to believe the check being deposited is uncollectible.
Special Rules for New Accounts
If you're a new customer, there are some special rules that apply to your account for the first 30 days. These rules affect when your deposits are available for withdrawal.

Funds from electronic direct deposits are available immediately, but that's not the case for other types of deposits. For example, if you deposit cash, wire transfers, or certain types of checks, the first $5,000 will be available on the first Business Day after the day of deposit, as long as the deposit meets certain conditions.
The excess over $5,000 will be available on the ninth Business Day after the day of your deposit. This is a bit of a wait, but it's necessary to ensure that the funds are legitimate and can be withdrawn without any issues.
If you deposit these types of checks in person to one of the bank's employees, the first $5,000 will be available on the first Business Day after the day of deposit. However, if the deposit is not made in person, the first $5,000 will not be available until the second Business Day after the day of deposit.
Here's a summary of the availability of deposits for new accounts:
Exceptions to Bank Deposit Hold Rules
Banks are allowed to maintain holds for longer than the standard rules permit for several reasons. One reason is if you've opened a new account within the past 30 calendar days.
Banks can also maintain longer holds if you've made excessive deposits, such as more than $5,525 in checks on any one day. This is to ensure that the checks are legitimate and can be cleared.
If you've had repeated overdrafts on your account, your bank may also maintain a longer hold on your deposit. This is to prevent further overdrafts and to ensure that your account remains solvent.
In some cases, your bank may have a reasonable cause to believe that a check being deposited is uncollectible. If this is the case, they may maintain a longer hold on your deposit.
Here are the specific reasons why banks can maintain longer holds:
- New account: Opened for 30 calendar days or less
- Excessive deposits: More than $5,525 in checks on any one day
- Redeposits: Checks that were returned unpaid
- Account history: Repeated overdrafts
- Emergencies: Including loss of communications or computer facilities
These are the main reasons why banks can maintain longer holds on your deposit. It's essential to understand these exceptions to the standard rules to avoid any confusion or frustration.
Understanding Check Holds
Check holds are a common phenomenon that can leave you wondering why your deposit is being held up. Banks can hold your deposit for a variety of reasons, including if you make a deposit of more than $5,525 in checks on any one day.
The Expedited Funds Availability Act of 1987 mandated that local checks may be held for no longer than two business days. However, this has been extended to five days for some checks, and banks can hold most checks for no longer than a "reasonable period of time", which is generally accepted as two business days for same-bank checks and up to six business days for checks drawn on another bank.
Banks may hold checks for a reasonable period of time if they have reasonable cause to doubt the collectability of the check. This can occur with postdated checks, checks that are dated six months prior or more, and checks that the paying institution has deemed it won't honor.
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There are six types of holds that banks can place on checks, including:
- Any amount that exceeds a $5,525 deposit, which must be made available within a reasonable time, usually two to five business days.
- Redeposits, which may be held for a reasonable period of time.
- Checks from funds that are repeatedly overdrawn.
- Checks that are placed on hold due to doubtful collectability.
- Checks deposited during emergency conditions, such as natural disasters or communications malfunctions.
- Deposits made into the accounts of new customers, defined as those who have held open accounts for less than 30 days.
Federally, banks are allowed to maintain holds for longer than those rules generally permit for certain reasons, including new accounts, excessive deposits, redeposits, account history, and emergencies.
Prevent Deposit Holds
To prevent deposit holds, make deposits that are likely to become available as soon as possible. You can do this by using alternate means of payment, such as electronic payments, direct deposits, money orders, cashier's checks, or certified checks.
Banks can't hold cash or electronic payments, direct deposits, money orders, cashier's checks, or certified checks. They also can't hold the first $5,525 of traditional checks that aren't in question because they're next-day items.
If you have concerns and want to ensure that you have access to the money right away, ask anyone who's paying you to use an alternate means of payment rather than a traditional check.
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A federal law under the Expedited Funds Availability Act and the Check Clearing for the 21st Century Act limits how long banks can hold your deposits. Normally, banks are not allowed to hold your deposit for more than one or two business days.
The first $225 in deposits that you make should normally be available the next business day. Certain other types of deposits should also be available the next business day.
Key Information
The Federal Reserve has guidelines for how long a bank can hold a check before crediting the customer's account. This period can range from two business days to up to six business days.
If a bank has reason to doubt the collectability of a check, they can place a hold on it. This means you might not see the funds in your account as quickly as you'd like.
Here are the specific hold times for checks deposited at US Bank:
- Most checks: 2-6 business days
- Portion of check exceeding $5,525: 2-5 business days
Key Takeaways

When you deposit a check, there's a good chance it won't be credited to your account right away. A bank must hold most checks for a reasonable period of time before crediting the customer's account.
This hold period can vary, but typically ranges from two business days to up to six business days. If you're expecting a large deposit, you should be aware that the portion of a deposited check that exceeds $5,525 can be held for two to five business days.
Some checks may be held longer if the bank has reasonable cause to doubt the collectability of the check. This is a precautionary measure to protect the bank, but it can be frustrating for the customer.
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The Bottom Line
Banks are allowed to hold your money for a period of time when you deposit a check. This is because it takes time for the deposit to move through the bank's clearing cycle.
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The exact amount of time is determined by various factors, but it's usually based on how long it will take for the deposit to clear.
Commercial banks are required to disclose their hold policies to all account holders. If you ask for it, they must provide their policy in written form.
The Federal Reserve System has regulations in place to ensure banks follow these rules. Regulation CC, for example, outlines the requirements for banks to disclose their hold policies.
Here are some key regulations that govern bank hold policies:
- United States Code, 12 USC §4002(b)(1)
- Board of Governors of the Federal Reserve System, Regulation CC
- Federal Reserve System, Compliance with Regulation CC
- Code of Federal Regulations, 12 CFR Part 229, Subpart B
- Board of Governors of the Federal Reserve System, Regulation CC: Availability of Funds and Collection of Check
- The Federal Reserve Board, Compliance With Regulation CC
Check Deposit Process
The check deposit process is relatively straightforward. You can deposit checks at a US Bank branch, ATM, or through the Mobile Banking app.
Once you've deposited a check, the funds will be held for a certain period of time, known as the check hold period. This can vary depending on the type of account and the check amount.
US Bank's check hold policy typically holds funds for 2 business days for debit card transactions and 4 business days for ATM deposits. However, for larger checks, the hold period may be longer, up to 7 business days.
If you deposit a check that's drawn on a US Bank account, the funds will be available immediately. This is because the bank doesn't have to wait for the check to clear.
Your Responsibility

After a hold ends, you're free to use the money, but you're still responsible for the deposit. The bank doesn't guarantee that a check or money order was good, even if it clears a hold.
You should wait at least several weeks before spending money from a suspect deposit. This is especially true if someone asks you to wire part of the funds somewhere else, which is a sign of a scam.
It's essential to remember that holds protect the bank, not you. You spend money at your own risk, so be cautious with your finances.
Sources
- https://www.mybanktracker.com/news/fund-availability-policy-comparison-top-10-us-banks
- https://www.harvestbankmn.com/disclosures.html
- https://www.investopedia.com/terms/c/check-hold.asp
- https://www.thebalancemoney.com/checking-account-hold-315305
- https://mycreditunion.gov/about/news-blog/understanding-check-holds
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