KNOWLEDGE BASE
When is my branch or ATM deposit available?
Funds from a cash deposit are available immediately when made at a U.S. Bank branch or ATM.
Other deposits made at a branch or U.S. Bank ATM are given up to $225 available right away. Please note, if the total deposits exceed $225, the rest normally becomes available by the next business day. This is because we update our systems each night, Monday through Friday (except on federal holidays).
Please note, we don't accept deposits at non-U.S. Bank ATMs.
Verification
Deposits made with negotiable items need to be verified and processed through the check-clearing system. Examples of negotiable items include personal, business, and government checks, money orders, and cashier’s checks. Due to this, funds may not be available right away.
Processing
A maximum of $275 is made available immediately, based on the total amount deposited. If it exceeds $275, the rest becomes available after the system updates with that day’s business, as follows:
- Monday through Friday (except federal holidays):
- Branch deposits - Processed on the same business day when made before the branch’s closing time.
Example: A deposit of $300 is made on Monday before closing time. $275 of it is available right away. The other $25 is processed Monday night. This means it becomes available on Tuesday.
- Branch deposits - Processed on the same business day when made before the branch’s closing time.
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- ATM deposits - Processed on the same business day when made before 8 p.m. (local time*). If a deposit is made after 8 p.m. (local time), it will be processed with the next day’s business.
Example (before 8 p.m. local time):
A deposit of $300 is made on Monday at 6 p.m. $275 is made available right away. The other $25 is processed Monday night. This means it becomes available on Tuesday.Example (after 8 p.m. local time):
A deposit of $300 is made on Monday at 9 p.m. $275 is made available right away. The other $25 is processed on Tuesday’s business. This means it becomes available on Wednesday.
- ATM deposits - Processed on the same business day when made before 8 p.m. (local time*). If a deposit is made after 8 p.m. (local time), it will be processed with the next day’s business.
- Saturday, Sunday and federal holidays:
Branch/ATM deposits - Processed on the next business day.
Example (Saturday/Sunday):
A deposit of $300 is made on Saturday or Sunday. $275 of it becomes available right away. The remaining $25 is processed on Monday’s business. This means the remainder becomes available on Tuesday.Example (federal holiday):
A deposit of $300 is made on Memorial Day (Monday). $275 of it becomes available right away. The remaining $25 is processed on Tuesday’s business. This means the remainder becomes available on Wednesday.
More information
Sign up for our “Hold status” alert and/or push notification.
- “Hold status” notifications are sent when funds from a deposit are held and when they’re available to use.
- Text, email, or push notifications are available.
- Text notices are sent to the phone number associated with the alert.
- We’ll send you an email if you’re the one processing the deposit and a hold is placed right away.
- For joint-owner accounts, if the deposit becomes subject to a hold at a later time, only the primary owner will receive the email.
- Push notifications are sent to the device in which push notifications are enabled.
See also: How do I add or remove account alerts?
*Local time refers to the time zone in which the deposit is being made.