How long can a bank hold a mobile deposit?

Under Regulation CC, banks must make the first $225 available the same business day. Most bank checks are available by the next business day, and other checks within 2 business days. Banks can extend holds to 5–7 business days for new accounts, large checks, or repeated overdraft history.

Why is my mobile deposit on hold for 5 days?

Extended holds may be placed on mobile deposits if: your account is less than 30 days old, the check is over $5,525, you have a recent overdraft history, the check is from a foreign bank, or the bank has reason to doubt the check's collectibility.

Does the mobile deposit cutoff time affect availability?

Yes. Deposits made after the cutoff time (typically 8–11 PM ET depending on the bank) are treated as next-business-day deposits. This pushes all availability dates out by one day.

What is the first $225 rule for mobile deposits?

Regulation CC requires banks to make the first $225 of any check deposit available the next business day (or same day for some banks). This applies to mobile deposits — the bank cannot hold the entire check while making $0 immediately available.

Mobile Deposit Hold Times (2026): How Long Your Bank Can Hold a Check

Your mobile deposit is accepted, but the funds aren’t immediately available. Here is exactly how long holds last — and what determines the schedule — in 2026.

Federal Funds Availability Rules (Regulation CC)

Regulation CC is the federal law governing how quickly banks must release deposited funds. All banks must follow these minimum standards:

Check Type	First $225	Next $5,075 (up to $5,300 total)	Remainder
All checks	Next business day	2nd business day	5th business day
Cashier’s, certified, government	Next business day	Next business day	Next business day
On-us (same bank)	Next business day	Next business day	—
Deposits over $5,525	Next business day	2nd business day	7th business day

Most banks make $225 available the same business day, even though the law allows them to wait until the next. This is at each bank’s discretion.

Hold Times by Bank

Bank	$225 Available	Standard Hold	Extended Hold (new/large)
Chase	Same day	1–2 business days	Up to 7 days
Bank of America	Same day	1–2 business days	Up to 7 days
Wells Fargo	Same day	2 business days	Up to 7 days
Capital One	Same day	1–2 business days	Up to 9 days (new)
Citi	Same day	2 business days	Up to 7 days
Ally Bank	Same day	1 business day	Up to 5 days

Extended Hold Scenarios

Banks can legally hold your deposit longer than the standard schedule in these situations:

Scenario	Extended Hold Duration
Account less than 30 days old	Up to 9 business days
Check exceeds $5,525	Up to 7 business days for excess
6+ overdrafts in the past 6 months	Up to 7 business days
Check from a foreign bank	Up to 7 business days
Check redeposited after return	Up to 7 business days
Bank has reason to doubt collectibility	Up to 7 business days

The bank must notify you of an extended hold at the time of deposit (or by mail within 1 business day for ATM/mobile deposits).

Business Day Calendar for Hold Calculations

“Business days” for Regulation CC purposes exclude weekends and federal holidays:

Deposit Day	Day 1	Day 2	Day 5
Monday	Tuesday	Wednesday	Monday
Thursday	Friday	The following Monday	The following Thursday
Friday	Monday	Tuesday	Friday

How to Avoid Holds on Mobile Deposits

Strategy	Benefit
Use cashier’s or certified checks	Must be available by next business day (no extended hold allowed)
Request a wire transfer instead of a check	Wires are immediately available, no holds
Ask the sender to use Zelle or ACH	Electronic transfers clear faster than checks
Build account history	Reduces likelihood of extended holds
Deposit at a branch teller	Tellers can override holds in some cases for known customers

Sample Hold Calculation

Scenario: You deposit a $7,000 personal check via mobile on Tuesday before the cutoff.

Amount	Available
$225	Tuesday (same day)
$5,075 (up to $5,300 total)	Thursday (2nd business day)
$1,700 remaining	The following Tuesday (7th business day)

The remaining $1,700 on a check over $5,525 is held for up to 7 business days from the deposit day.