If you deposit a check on a Friday, the availability of the funds depends on your bank's cutoff time and specific policies, but generally, only a portion will be available quickly. Most banks make the first $200–$275 available the next business day—typically Monday if there are no holidays—and the remainder becomes available the following business day, which is usually Tuesday.
How Funds Become Available
- If you deposit before your bank's cutoff time on Friday, a small amount (e.g., $225) might be available on Monday, and the rest on Tuesday.
- If you deposit after the cutoff time, the deposit is considered received on the next business day (Monday), so funds become available starting Tuesday or later.
- For some banks, part of the deposit may be available the same day, with the remainder the next business day. For mobile deposits, this often means you see funds starting Monday with full clearance by Tuesday.
- Banks do not process check deposits on weekends or federal holidays—these are not business days.
Example Timeline
Deposit Time| $225 Available| Full Amount Available
---|---|---
Before cutoff on Friday| Monday 2| Tuesday 2
After cutoff on Friday| Tuesday 2| Wednesday 2
Exceptions
- New accounts and very large deposits may experience longer holds.
- Bank cutoff times vary, so it's important to check with your specific institution.
- Some banks may make a small portion (e.g., $100–$275) available sooner.
Check your bank's policy for the exact details, but typically, a Friday check deposit means your funds are mostly available starting the following Monday or Tuesday, assuming no holidays fall in between.
