Funds Availability and Deposit Holds

Eliminate surprises by knowing when your deposits will be available.

Confidently manage your account and potentially avoid fees by making sure your deposits are available before you make purchases. SunTrust makes every effort to make deposited funds available as quickly as possible. However, there are times when we may need to place a hold, which means that it may take a few extra days before the money you deposited is available for use.

We are committed to clear communication about deposited funds’ availability and hope the information and resources on this page help you manage your money and spending with less stress, so you can focus more on what matters most to you.

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Helpful Information

Deposit Cut-Off Times

Want to know when your deposit will clear? We’ve made it easy to understand when your deposits will post.

Quick Guide to Holds

Get the scoop on deposit holds and more. Our quick guide covers the basics to help you understand holds and handle them with confidence.

Funds Availability Policy

This provides information regarding when deposited funds will be available to you for withdrawal and the payment of items from your account.

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Frequently Asked Questions

Frequently Asked Questions

What is a hold?

A hold means that although you have deposited your check, some or all of the funds aren’t yet available for your use. Holds generally only apply to checks. Cash, wire transfers and Direct Deposits are not subject to a hold and are available immediately.

What happens when a hold is placed?

While a hold is in place, you should not attempt to use the held funds for checks, ATM withdrawals, debit card purchases, or other debit items, such as cash withdrawals or wire transfers. If a hold has been placed and your available balance is not sufficient to cover checks and other debit items, checks that you have written may be returned unpaid and we may not process other withdrawals against these funds. Also, if funds from a deposit become available, that does not necessarily mean the check or other item you’ve deposited has been paid by the paying bank. It’s possible that the item will be returned unpaid months after we’ve made the funds available to you and you’ve withdrawn them. No one, including our teammates, can guarantee that a check or other item will not be returned. If a check is returned unpaid, the returned check amount will be deducted from your balance, which may result in an overdrawn balance. Overdraft and/or returned item fees may be assessed when your balance is overdrawn or when you attempt to access funds that are not available. Please review our Fee Schedule at suntrust.com/disclosures for more information regarding fees.

What are the criteria used to determine availability?

Availability depends on many factors, including, but not limited to:

  • Check type
  • Amount of deposit
  • Time of deposit
  • Age of your account
  • Account history of repeated overdrafts or returned checks
  • If we have a reason to doubt that the check will be paid or if it has already been returned unpaid in the past.

When will the funds be available?

Held funds will be available to you on the date communicated via Online and Mobile Banking and on your Notice of Hold, provided the check is not returned to us unpaid or further review is not required. If the check is returned unpaid by the institution on which it is drawn, the amount of the check plus a Deposited Item Returned Fee will be deducted from your account. Please review our Fee Schedule at suntrust.com/disclosures for more information regarding fees.

What are your responsibilities if your deposit is held?

You may not use the delayed funds until they become available. To avoid overdrafts and overdraft fees, please do not attempt to use or write checks against these funds. The best way to ensure you have enough money to spend is to know your Available Balance. There are several ways to do this, so pick whichever ones work best for you—Online Banking, Mobile Banking, Text Banking or call 800.SUNTRUST. You can also sign up for balance alerts through Online Banking. This will help you avoid spending more money than you have available and incurring overdraft or returned item fees. Keep in mind that your Available Balance does not include items that have not yet been presented for payment during posting, like checks you’ve written. So, it’s important to keep track of these items, too.

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