When will my check deposit be available?

Checks deposited using CheckMate have slightly different hold times than regular transfers. Here’s the breakdown:

• Checks deposited into 360 Checking or MONEY for less than $500 – first $200 is available the next business day, the remaining funds are available after 2 business days
• Checks deposited into 360 Checking or MONEY for greater than $500 – first $200 is available the next business day, the remaining funds are available after 5 business days
• Any deposit into 360 Savings or Kids Savings Account - funds are available after 5 business days

Here are a few examples:

1. I deposit a personal check of $600 into my 360 Checking on Monday, May 7, 2012 (after 5 PM ET). The first $200 is available on Wednesday, May 9, 2012. The remaining $400 is available on Tuesday, May 15, 2012.    
2. I deposit a personal check of $200 into my 360 Checking on Monday, May 7, 2012 (before 5 PM ET). The entire check is available on Tuesday, May 8, 2012.
3. I deposit 2 personal checks, each for $200 into my 360 Checking on Monday, May 7, 2012 (before 5 PM ET). That means the total amount I deposited on Monday is $400. The first $200 of that amount is available on Tuesday, May 8, 2012. The remaining $200 is available on Wednesday, May 9, 2012.    
4. I deposit a personal check of $400 into my 360 Savings on Monday, May 7, 2012 (before 5 PM ET). The entire check will be available on Monday, May 14, 2012.

For some deposits, like federal checks, the total amount of the funds will be made available the next business day. Also, if you're depositing a check from another 360 Checking, the entire amount of the check will be available the next business day.