What Bank Makes Check Deposits Available Instantly Online

Some banks are now offering the convenience of instant check deposits online, allowing you to access your money as soon as you deposit a check.

Many banks, like Bank of America, have implemented this feature, making it possible to see the deposited funds in your account immediately.

Some banks also offer mobile deposit apps, making it even easier to deposit checks from anywhere.

If you're looking for online banks with immediate deposits, you're in luck. Discover Bank is one of the best online banks that offer mobile check deposit with instant availability.

Some online banks charge a fee for instant deposits, but Go2Bank is a notable exception. With Go2Bank, you can get instant deposits without a fee, but you'll need to pay a 1% to 5% fee, depending on the type of check.

Ally and SoFi are two other online banks that offer fast mobile deposits. With Ally, deposits up to $300 are available next business day, while with SoFi, a portion of your funds (up to $5,000 deposited) is generally available the next business day.

Here are some online banks that offer immediate mobile deposits:

Keep in mind that some online banks may have certain requirements or limits for mobile deposits, so it's always a good idea to check with the bank before making a deposit.

Some online banks make check deposits available immediately, while others have varying timeframes.

The bank mentioned in Example 1 has instant mobile check deposit, making funds available right away.

Ally, on the other hand, deposits checks early, but it depends on the deposit time.

Mobile check deposits made before 7pm at Ally will make the first $300 of check funds available, with the rest available the next business day.

Check deposits made after 7pm at Ally will have at least some funds available the next day, with the remaining up to $25,000 released by the second business day.

It's worth noting that Ally's check deposit availability is not immediate, taking about one to two business days for funds to be fully available.

If you're looking for a bank that makes check deposits available immediately, you're in luck. Some high-end banks offer instant mobile check deposit, so you can access your money right away.

Discover Bank is one of the best online banks that offer mobile check deposit, with instant mobile deposit availability.

Chase Total Checking Account, on the other hand, takes a bit longer, with funds available in 1 business day.

SoFi Checking and Savings also takes 1 business day, but a portion of your deposit may be available the next business day.

Ally Spending Account is similar, with up to $300 available the next business day, and additional funds may take longer.

Here's a brief rundown of some of the banks mentioned:

To determine the best banks for immediate check deposits, we reviewed many banks, online banks, and credit unions. Our selection process was thorough and considered multiple factors.

We looked for banks that make funds available the same day they are deposited, or the next business day. This ensures that you can access your money quickly and easily.

We also considered the ease of depositing funds, including mobile deposit options and user-friendly banking apps. Many banks on our list offer these convenient features.

Here are the key criteria we used to select the best banks for immediate check deposits:

When reviewing banks for fast mobile deposit, we considered multiple criteria to ensure the best options for users.

We looked for banks that make funds available the same day they are deposited, or the next business day.

Our picks offer simple ways to deposit funds, like making a mobile deposit online or through a user-friendly banking app.

To avoid extra fees, we chose banks that either don't charge fees to get express access to deposited funds, or the fees are relatively low.

We also considered other features these accounts offer, such as early direct deposit, low or no minimum balance requirements, great mobile banking tools and good customer reputation.

If you're a new customer, some special rules apply during the first 30 days your account is open.

Funds from electronic direct deposits are available on the day the bank receives the deposit.

You can make cash deposits, wire transfers, and up to $5,525 of certain types of checks available on the first business day after the day of your deposit, if the deposit meets certain conditions.

These checks must be payable to you, and you may need to use a special deposit slip.

The excess over $5,525 will be available on the seventh business day after the date of your deposit.

Funds from on us check deposits are available on the first business day after the day of your deposit.

Funds from check deposits, excluding those over $5,525, are available on the second business day after the day of your deposit if made in person to a bank employee.

Funds from all check deposits are available no later than the seventh business day after the day of your deposit.

CIT Bank is a standout option for immediate check deposits due to its mobile deposit feature.

As an online bank, CIT Bank doesn't have the same limitations as traditional banks, allowing for unlimited check deposits.

Its early direct deposit feature is also a significant advantage, giving users access to their funds faster.

With CIT Bank, you can deposit a check as many times as needed without any restrictions.

Its instant mobile deposit availability makes it a convenient option for those who need quick access to their money.