Mobile deposit funds are available based on Regulation CC rules and your bank’s individual policies. Banks generally must make the first $275 of a day’s check deposits available the next business day, with the rest due by the second business day (the Federal Reserve notes there are no longer any nonlocal checks).
The federal standard: $275 available the next business day. A bank may release funds faster, but outside the exceptions below it can’t hold them longer than the schedule allows.
Regulation CC Availability Schedule
Regulation CC (the Expedited Funds Availability Act) sets the latest time banks may take to make deposited funds available. The rule once split checks into local and nonlocal checks, but the Federal Reserve notes there are no longer any nonlocal checks; the schedule below applies to ordinary checks. Cashier’s, certified and teller’s checks and some government checks get a faster schedule when deposited in person, so a mobile deposit of one is not guaranteed next-day availability.
| Check Type | Latest Availability |
|---|---|
| First $275 of a day’s check deposits | Next business day |
| Other checks | By the 2nd business day |
| Check drawn on the U.S. Treasury, deposited to the payee’s account | Next business day |
| Cashier’s, certified or teller’s check, deposited in person to a bank employee | Next business day |
| Cashier’s, certified or teller’s check, not deposited in person | By the 2nd business day |
| Part of a day’s deposits over $6,725 | The schedules above don’t apply; the bank sets the timing |
| New account (first 30 calendar days) | The $275 rule doesn’t apply; for Treasury, cashier’s and certain other checks, the amount over $6,725 by the 9th business day; other checks aren’t on the standard schedule |
These are latest dates — banks can make funds available sooner.
What Triggers a Longer Hold?
Banks can use exceptions to the standard schedule under specific circumstances:
1. New Account If your account was opened within the last 30 days, the $275 rule doesn’t apply and the standard schedule applies only in part. This is the most common reason first-time depositors face multi-day waits.
2. Repeated Overdrafts A bank may treat an account as repeatedly overdrawn if its balance was negative, or would have been negative if items were paid, on six or more banking days in the past six months. For six months after the last such overdraft, the standard schedule doesn’t apply and the bank sets the timing.
3. Large Check Amount For the part of a day’s check deposits over $6,725, the standard schedules don’t apply and the bank sets the timing. The first $6,725 still follows the schedule: $275 the next business day and the rest by the second business day.
4. Reasonable Doubt About Collectability If the bank has reasonable cause to believe the check is uncollectible, the standard schedule doesn’t apply. The bank must tell you the reason.
5. Deposit After Cutoff Time A deposit made after your bank’s cutoff is credited the next business day, so a deposit after Wednesday’s cutoff is treated as if made Thursday, and every availability date moves back a day.
How to Get Faster Access to Funds
1. Deposit before the cutoff time. Cutoff times vary by bank, and a deposit before the cutoff is credited that business day.
2. Ask for a cashier’s check, and deposit it in person. A cashier’s, certified or teller’s check deposited in person to a bank employee, to the payee’s account, must be available the next business day. Deposited any other way, it is due by the second business day.
3. Ask your bank. A bank may release funds sooner than Regulation CC requires, so ask what it can do for a specific deposit.
4. Build account history. A new account and a repeatedly overdrawn account both lose the standard protections for a time, so avoiding overdrafts helps.
5. Use direct deposit instead. For recurring income, electronic payments must be available by the next business day under Regulation CC, and check holds don’t apply.
Business Days vs. Calendar Days
A common confusion: Regulation CC timelines use business days, not calendar days. Business days are Monday–Friday, excluding federal holidays.
Example: You mobile deposit a $1,000 local check on Friday before your bank’s cutoff.
- Friday = the day of deposit
- Monday = next business day: the first $275 is due
- Tuesday = 2nd business day: the remaining $725 is due
If Monday is a federal holiday, shift everything one additional business day.
Understanding Your Deposit Receipt
After submitting a mobile deposit, your app should show:
- Deposit amount: Total check amount
- Available today: The amount you can use right away, if any
- Available next business day: The amount available then, often at least the first $275
- Full availability date: Date when the remaining balance clears
If you don’t see this information, check your transaction history or call your bank.
See also: What is mobile deposit? | Mobile deposit hold times by bank | Banks with the best mobile deposit limits
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