Check Holds

Funds availability for Photo Check Deposit

  • If you submit a check or money order via Photo Check Deposit before 5 p.m. ET (2 p.m. PT) on a business day, we will begin processing it that day. If you submit it later, we'll generally start processing it the next business day.
  • During your first 30 days as a customer, your entire deposit will be held for 9 business days. The funds will be available early in the morning on the 10th business day.
  • After your account has been open 31 days, the funds will generally be available after one business day.

Photo Check Deposit funds availability with standard holds

Submitted before 5 p.m. ET (2 p.m. PT).

Day Submitted Funds Released 3 a.m. ET (12 a.m. PT)
Monday Tuesday
Tuesday Wednesday
Wednesday Thursday
Thursday Friday
Friday Saturday
Saturday or Sunday Tuesday

Submitted after 5 p.m. ET (2 p.m. PT).

Day Submitted Funds Released 3 a.m. ET (12 a.m. PT)
Monday Wednesday
Tuesday Thursday
Wednesday Friday
Thursday Saturday
Friday Tuesday
Saturday or Sunday Tuesday

Funds availability for mailed deposits

  • During your first 30 days as a customer, your entire check or money order will be held for 5 business days.
  • Mailed deposits take slightly longer to process.
  • Once the deposit arrives, we'll pick it up from the post office and start processing it. It can take a few business days before you'll see the deposit in your account.
  • Once you see the deposit in your account, the funds should be available by 3 a.m. ET (12 a.m. PT) the following morning.

Extended holds

  • If you deposit a check greater than $5,000, or multiple checks totaling over $5,000 on the same day, the amount exceeding $5,000 may be subject to an extended hold.
  • If your account has been repeatedly overdrawn within the past six months, we may place an extended hold on any deposits.
  • We may also place additional holds if we have reasonable cause to doubt that we'll be able to collect the check funds from the paying bank.

If any of your deposits are subject to an extended hold, we'll be in touch when the hold is placed to let you know the reason for the hold and the date the funds will be available.

Did you find this article helpful? Yes / No
Aw man. Thanks for letting us know!