Note: Business days include Monday through Friday, excluding holidays. If that falls on a Sunday, it will normally hit on Sat AM, if it falls on national holiday it will the day before. For all personal deposit accounts our policy is to make funds from cash and check deposits available on the first business day after the day we receive the deposit with certain exceptions. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposit of cashier's certified, teller's, traveler's and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. The bank may place a hold on the amount deposited over $5,525. For check deposits over $5,525, banking laws and regulations allow for exceptions to the rules on availability of funds.     Even if you deposit the check with your bank’s mobile deposit app, the process might still take a day or two. When will direct deposit payments be available? The remaining funds of the deposit of local checks will be available on the 3rd business day following the deposit. The remaining funds of the deposit of local checks will be available on the 3rd business day following the deposit. Federal Regulation CC governs how long you can be made to wait before drawing funds against your account based on the timing, the type (e.g., cash, check, direct deposit) and, in certain cases, the amount of the deposit. Checks and prepaid debit cards are currently being printed and mailed. For accounts opened greater than 30 days, the funds may not be available until the 4th business day after the day of deposit. If deposited by check, the bank generally must make the first $5,525 available consistent with the bank's normal availability schedule. ^^Please see the Deposit Account Agreement and Funds Availability Policy for details. Your deposit may not be available immediately. Also, you can check your accounts anytime in KeyBank online and mobile banking, and request notifications when any deposit is made to your account with Keybank account alerts. The check writer can withdraw funds from the account before you deposit the check. Check payable through Customers Bank : $1,000 : Local/State Government Check : $1,000 : Bank Checks (Cashier's Checks, Certified Checks and Teller Checks) $1,000 : Fed. Find out the status of your payment with the IRS tool, Get My Payment. At that time, you can withdraw the funds in cash and we will use the funds to pay checks or other items. Direct deposits will normally hit the account between 4–6am for the day that they are effective. The Expedited Funds Availability Act requires up to the first $200 of a non-"next-day" check(s) to be made available the next day. "The Nacha Rules require the banks and credit unions to make the funds available to the account … Funds Availability Policy by Deposit Type. 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