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My bank always puts a hold on my checks, but I have heard that not all banks do this. Aren't all banks supposed to use the same funds availability schedule?

All banks are subject to the same maximum hold periods established by federal law, but a bank is allowed to make deposits available sooner.

Review your deposit account agreement for information on your bank's funds availability policy.

Last Reviewed: April 2021

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 should not be construed as legal advice or a legal opinion of the OCC.

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