If a check is deposited on a Friday before the bank's cutoff time, typically the first $225 of the deposit will be available on the next business day, which is Monday, and the remaining amount will be available on the following business day, Tuesday. However, if the deposit is made after the cutoff time on Friday, the deposit will be considered made on the next business day (Monday), and the funds will be available starting Tuesday for the first $225 and Wednesday for the remaining amount. This timing considers that weekends and bank holidays are not business days, so the check does not start clearing until the next business day after deposit. Some checks like government checks, certified checks, or checks within the same bank may clear faster. Cutoff times vary by bank but cannot be earlier than 2 p.m. for branch deposits and noon for ATM deposits, often around 5 p.m. or 8 p.m. depending on the institution and deposit method (in-person, ATM, mobile). In summary:
- Deposit on Friday before cutoff: partial funds available Monday, rest available Tuesday.
- Deposit on Friday after cutoff: partial funds available Tuesday, rest available Wednesday.
- No clearing on weekends or holidays.
- Some exceptions for faster clearing checks.
This general timeline helps set expectations for when the deposit will clear and funds will be accessible.
