Each bank sets its own deposit cutoffs and hold rules within the federal limits. Here's what 25 major US banks and credit unions publish, as of October 27, 2026. Tap a bank for its full policy, new-account rules and sources.
| Bank | Standard availability | Mobile deposit cutoff | New accounts |
|---|---|---|---|
 Chase | Next business day; some holds to 2nd day | 11 p.m. ET | Most checks: up to 7th business day |
 Bank of America | Next business day; some holds to 2nd day | 9 p.m. ET (8 p.m. PT for western accounts) | Most checks: by 5th business day |
 Wells Fargo | First $400 same day; rest next business day | 9 p.m. PT | No same-day $400; holds up to 7th business day |
 Citi | Next business day; holds: $275 next day, rest 2nd | 10:30 p.m. ET | Most checks: 5th business day |
 Capital One | Generally next business day | 9 p.m. ET | Not published |
 U.S. Bank | First $275 immediately; rest next business day | 10 p.m. CT | Most checks: by 3rd business day (up to 7th) |
 PNC | Next business day; $100 usable evening of deposit | 10 p.m. ET | 2nd business day (first 30 days) |
 Truist | Next business day; some checks 2nd day ($275 first) | 9 p.m. ET | Up to 9 business days (first 30 days) |
 TD Bank | $100 same day; rest next business day | 8 p.m. ET | Rest by 3rd–4th business day (first 30 days) |
 Citizens | Next business day (Citizens checks same night) | 10 p.m. ET | Up to 5 business days (first 27 days) |
 Fifth Third | Next business day | 8 p.m. ET | Up to 9 business days (first 30 days) |
 KeyBank | $100 same day; rest next business day | 11 p.m. ET | Up to 9 business days (first 30 days) |
 Regions | Next business day; some holds to 2nd day | 8 p.m. CT | Most checks: 7th business day |
 M&T Bank | Branch checks typically next day (full schedule not public) | 10 p.m. ET | Not published |
 Huntington | First $500 same day; rest next business day | 11:59 p.m. CT | $500 next day; rest 2nd business day |
 Santander | $275 next business day; rest 2nd business day | 10 p.m. ET | Most checks: up to 9th business day |
 BMO | Next business day (branch/ATM) | 8 p.m. CT | Most checks: by 9th business day |
 Charles Schwab | Next business day; holds up to 5th | Not published | Most checks: 5th business day |
 Ally | $300 next business day; rest 2nd business day | 7:00 p.m. ET | Most checks: up to 5th business day (first 30 days) |
 Discover | $275 same day; next $6,450 day 2; rest day 5 | 6:30 p.m. ET | Mobile: up to 5th (may be 7th) business day |
 SoFi | Mobile only; generally by 5th business day | 4:00 p.m. ET | Not published |
 Chime | Mobile only; no later than 5 business days | 5:00 p.m. ET | Not published |
 Navy Federal | $275 next business day; rest 2nd business day | 6 p.m. ET | Most checks: up to 5th business day (first 30 days) |
 USAA | Next business day; some checks 2nd business day | 9 p.m. CT | Most checks: up to 15th business day (first 30 days) |
 Varo | Mobile only; generally before 7th business day | 4:00 p.m. MST | Not published |
Policies change. Based on each bank's own funds availability policy, deposit agreement or FAQ as read on October 27, 2026. Always check your bank's current terms. “Not published” means we didn't find it in the bank's public documents.
The federal baseline
Whatever the bank, federal Regulation CC requires the first $275 of check deposits by the next business day and most of the rest by the second business day, with longer “exception holds” for deposits over $6,725, new accounts and a few other cases. Full details: how long does a check take to clear?
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Write your first check free →Frequently asked questions
Which bank clears checks the fastest?
It depends on how you deposit and the type of check. Compare each bank's published standard availability and mobile cutoff in the table above; many banks make at least $275 available the next business day.
What is the latest mobile deposit cutoff time?
Cutoffs vary by bank, from early afternoon to late evening Eastern time. The table lists each bank's published mobile deposit cutoff.
Do all banks follow the same check hold rules?
All US banks must meet the federal Regulation CC maximums, but each bank can release funds faster and sets its own cutoff times and new-account policies within those limits.
Related guides
Last updated October 27, 2026. This page is general information, not legal or financial advice.
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