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Tracking Transactions

When does money go in and out of my account?

From day to day, there’s a lot to keep track of with your account, like when electronic/ACH withdrawals are going to come out, and your deposits are going to come in. Or when checks you’ve written are going to post, and when that hold is going to be taken off your deposit.

This page is designed to help you learn about the ins and outs of tracking your transactions and account balances, including information on processing times and details, daily deposit cut-off times, balance explanations and more.

We've made it easy to understand when your deposits will post and be available to use.

When deposited funds are available depends on the type of deposit (check, cash, Direct Deposit, etc.) and when it is made. The following chart will help you understand the daily cut-off times for each deposit type, and when the funds will be available for withdrawal or to cover transactions presented during nightly processing.

Cash Deposit through the teller

Varies
(check with your local branch)

Same business day
(based on cut-off time)

Immediately

Cash Deposit through the ATM

9 p.m. ET (M–F)

Same business day
(based on cut-off time)

 

Immediately

Cash Deposit through the Night Depository

7 a.m. ET (M–F)

Same business day
(based on cut-off time)

Available once processed by the branch teller

Direct Deposit

Post throughout the day

Same business day
(based on cut-off time)

Immediately

Check Deposit (branch/ATM)

Varies
(check with your local branch for its cut-off time and the ATM cut-off time)

Next business day
(excluding holds)

Next business day
(excluding holds)

Mobile Deposit

9 p.m. ET (M–F)

Before 9 p.m. ET: next business day, excluding holds

After 9 p.m. ET: 2nd business day, excluding holds

Before 9 p.m. ET: next business day, excluding holds

After 9 p.m. ET: 2nd business day, excluding holds

Check out the example of how various transactions are displayed within your account when you're logged in to Online Banking.

Then, find more details about each one in the list below.

Tracking Transactions

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