More situations: bank cutoff time, new account, other checks, exceptions

Rule minimum: 2:00 p.m. at a branch, 12:00 noon at an ATM

Account opened under 30 days ago?
Bank closed on June 19?

All of it available by

Thursday, October 29, 2026

Counted as deposited on Tuesday, October 27, 2026. Funds open from 9:00 a.m. local time that day at the latest.

$275Wed, Oct 28First $275 of the day’s check deposits: next business day (§ 229.10(c)(1)(vii))
$925Thu, Oct 29Rest of the check: second business day (local check) (§ 229.12(b))

To take it out as cash, the bank may wait until Fri, Oct 30, except $550 by 5:00 p.m. on the day above (§ 229.12(d)).

  • Regulation CC was written for paper deposits: a mobile deposit is treated here as a deposit not made in person. Your bank’s mobile deposit terms say how it applies the schedule to the app.

These are the latest dates the regulation allows. Many banks release funds sooner; your deposit receipt or the bank’s availability policy shows its own schedule.

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US Money Rules · independent tool by Radif Partners, not a bank, the Postal Service or a store · nothing you type is sent

Federal rules: Code of Federal Regulations read on eCFR (US government work). Fees and limits: facts read on each provider’s own public pages, each cited with its date of reading. Bank, store and app names are trademarks of their owners, used only to identify them; no logo is used. Explanations, calculations and tools by Radif Partners.