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I deposited a check. When will my funds be available / released from the hold?

Generally, a bank must make the first $225 from the deposit available—for either cash withdrawal or check writing purposes—at the start of the next business day after the banking day that the deposit is made. The rest of the deposit should generally be available on the second business day.

The bank does have the right to extend the hold if

  • there is reasonable cause to believe the funds are uncollectible from the paying bank,
  • the check has been redeposited,
  • the total amount deposited by check in one day is greater than $5,525, but only for the amount by which the total deposits exceed $5,525,
  • the account is new or repeatedly overdrawn, or
  • emergency conditions, such as an interruption of communications or computer or other equipment facilities, apply.

Review your deposit account agreement for policies specific to your bank and your account.

Refer to 12 CFR 229 "Availability of Funds and Collection of Checks (Regulation CC)."

Last Reviewed: October 2020

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on HelpWithMyBank.gov should not be construed as legal advice or a legal opinion of the OCC.

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