Checks, holds and cashing
How long does a mobile deposit take?
The calculator opens on a $2,200 check deposited in the app. Set the time you sent it and your bank’s cutoff to see the date each part must be available.
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.
| $275 | Wed, Oct 28 | First $275 of the day’s check deposits: next business day (§ 229.10(c)(1)(vii)) |
| $1,925 | Thu, Oct 29 | Rest 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.
Everything you enter stays in this browser: nothing is sent or stored.
A check deposited by photo in a banking app is counted on the day the bank receives it before its mobile cutoff, which banks set in the evening: 11 p.m. ET at Chase, 9 p.m. PT at Wells Fargo, 10 p.m. CT at U.S. Bank, 6 p.m. ET at Navy Federal. After that, the availability rules of Regulation CC apply. For an ordinary personal or payroll check, the first $275 must be available the next business day and the rest by the second (12 CFR 229.12). Cashier’s checks, postal money orders and government checks lose their next-day status when they are not handed to a bank employee, so by app they are due by the second business day; US Treasury checks remain next-day items. Several banks publish more generous terms: Chase says deposits before 11 p.m. ET are available the next business day, U.S. Bank releases the first $275 right away, and Regions makes funds available the same evening, or immediately for a fee of 1% to 4%. Large deposits over $6,725, new accounts and checks the bank doubts can be held longer. Read on October 27, 2026.
Did you beat the cutoff?
Counts as deposited on
Monday
| First $275 by | Tuesday |
| Rest of a $1,000 check by | Thursday |
Cutoff may not be earlier than 2:00 p.m. at a branch or 12:00 noon at an ATM (§ 229.19(a)(5)).
Fees, limits and rules read by Radif Partners · Editorial policy · Method
Cutoffs and what banks promise
| Bank | Mobile cutoff | What the bank publishes |
|---|---|---|
| Chase | 11 p.m. ET | next business day if sent before 11 p.m. ET |
| Bank of America | 9 p.m. ET | 8 p.m. PT for accounts opened in Mountain or Pacific states |
| Wells Fargo | 9 p.m. PT | business days; next day if before the cutoff |
| Citi | 10:30 p.m. ET | 9:30 p.m. CT; also Citibank ATMs |
| U.S. Bank | 10 p.m. CT | first $275 right away, the rest the next business day |
| PNC | 10 p.m. ET | optional Express Funds fee of 2.5% over $100 for immediate funds |
| Truist | 9 p.m. ET | branch cutoff no earlier than 2 p.m. local time |
| Capital One | 9 p.m. ET | |
| TD Bank | 8 p.m. ET | same cutoff at a TD Store and a TD ATM; $100 of check deposits available the same day |
| Regions | 8 p.m. CT | free same-evening availability, or immediately for a 1% to 4% fee ($5 minimum) |
| M&T Bank | 10 p.m. ET | Flash Funds: immediate funds for 2% ($2 minimum) |
| Navy Federal Credit Union | 6 p.m. ET | $275 the next business day, the rest on the second |
| USAA | 9 p.m. CT |
A bank’s published promise is a floor for its own customers, not a replacement for the law: if the bank promises next-day availability for the app, it must honor that promise or tell you about the hold. If it publishes nothing more, the Regulation CC dates apply.
How Regulation CC applies to the app
The regulation was written for checks handed over at a counter or dropped in an ATM, and it does not name mobile deposits. The safe reading, used by the calculator, is that a photo sent through an app is a deposit not made in person to an employee. Ordinary checks keep their schedule, because their dates never depended on being in person. Next-day items lose their in-person advantage, except Treasury checks. Your bank’s mobile deposit terms state how it applies the rule, and many are more generous.
The large-deposit, new-account and reasonable-cause exceptions apply to app deposits just as to counter deposits. Banks also set their own mobile deposit limits per day or month; a check above your limit is rejected, not held. The mobile deposit limits page lists what each bank publishes, and the tool below shows the cutoffs side by side.
Providers publishing a figure, of 17
1
The others show their limit only inside the app or online banking.
| Bank | Limit | Cutoff |
|---|---|---|
| Navy Federal Credit Union | $50,000 a day | 6 p.m. ET |
| Chase | not published | 11 p.m. ET |
| Bank of America | not published | 9 p.m. ET |
| Wells Fargo | not published | 9 p.m. PT |
| Citi | not published | 10:30 p.m. ET |
| U.S. Bank | varies by location | 10 p.m. CT |
| PNC | not published | 10 p.m. ET |
| Truist | not published | 9 p.m. ET |
| Capital One | not published | 9 p.m. ET |
| TD Bank | not published | 8 p.m. ET |
| Regions | not published | 8 p.m. CT |
| M&T Bank | not published | 10 p.m. ET |
| USAA | not published | 9 p.m. CT |
| Fifth Third | not published | not published |
| Citizens | page not readable | page not readable |
| Huntington | page not readable | page not readable |
| KeyBank | page not readable | page not readable |
Deposits sent after the cutoff count on the next business day; the hold then follows Regulation CC.
Everything you enter stays in this browser: nothing is sent or stored.
Paying for instant funds
Some banks sell immediate availability. Regions charges 1% to 4% of the check, with a $5 minimum, depending on the check type and amount; M&T’s Flash Funds cost 2%, $2 minimum; PNC Express Funds cost 2.5% of the amount over $100; Truist offers a paid Instant Availability option. On a $2,000 payroll check, 2% is $40 to get money that the law requires within two business days anyway. It can still make sense to avoid an overdraft fee, but compare the two first.
Common reasons a mobile deposit is rejected
Blurry or cropped images, a missing restrictive endorsement, an amount above your mobile limit, a check already deposited elsewhere, a check payable to someone else, and foreign or money-market checks are the usual causes. A rejected deposit has not been made at all, so the hold clock has not started: deposit the check at a branch or ATM instead. Never deposit the same check twice, in the app and at a branch: the second presentment is returned and can lead to fees or account closure.