The bank is following the rules established by the Expedited Funds Availability Act. When the bank is dealing with a new customer, it can hold onto the deposits longer.

In this scenario, an account is considered new for the first 30 calendar days after it was created. The account would not be defined as new if any of the customers on it had another established account at the same bank for at least 30 calendar days.

Different financial institutions have different availability schedules.

  • Cash, wire transfers, and ACH credit transfers have next business day availability.
  • An official-type check for $5,000 also has next-day availability.
  • An official-type check over $5,000 would have ninth business day availability. (An official check is one issued by the bank.)
  • Each bank may establish its own policy for on-us (drawn on the bank), local, and nonlocal checks, as these do not have a specific business day availability.

You may want to review your the account agreement you received when you opened the account. It should contain details on the availability process.

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