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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.

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. Keep in mind that nightly processing occurs on regular business days (e.g., no Saturdays, Sundays or holidays). So, deposits made on weekends and holidays do not go through nightly processing until the next business day. For example, if you make a deposit on Saturday, it will not be processed until Monday night.

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

Immediately

Check Deposit through the teller

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

Same business day
(unless a hold is placed1)

Next day after it has been processed
(unless a hold is placed1)

Check Deposit through the ATM

9 p.m. ET (M–F)

Same business day
(unless a hold is placed1)

Next day after it has been processed
(unless a hold is placed1)

Mobile Deposit

9 p.m. ET (M–F)

Same business day
(unless a hold is placed1)

Next day after it has been processed
(unless a hold is placed1)

1 Generally, check deposits received by the cut-off time on business days will be available the next day. In some circumstances, SunTrust does place holds on deposits, which delays when those funds will be available. We encourage you to monitor your account and available balance through Online Banking and Mobile Banking. Learn more about holds below.

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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