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When will my check deposit be available?

Checks deposited using CheckMate or a deposit taking ATM have slightly different hold times than regular transfers. Here’s the breakdown:

For some deposits, like Federal checks, the total amount of the funds will be made available the next business day.

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.

Note: For checks deposited into 360 Checking or MONEY via a check deposit taking ATM, the cut-off time to make check deposits is 9 PM ET (vs. the usual cut-off time of 5 PM ET).

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