Funds Availability Policy
Version 1.2 · Effective Aug 21, 2026
When deposited funds become available to spend (Regulation CC).
- Direct deposit & incoming ACH credits: when the transaction settles — generally 1–2 business days after showing as pending. Incoming wires: same business day.
- Instant payments (RTP®/FedNow®): immediately, 24/7.
- Pulls from a linked bank: 2nd business day after settlement.
- Mobile check deposits: generally the 5th business day; longer holds possible.
- New accounts (first 30 days): checks may take up to the 9th business day.
Funds Availability Policy (Regulation CC)
Our Policy. Incoming wires and instant payments (RTP® and FedNow®) are available on the day we receive them. Electronic direct deposits and incoming ACH credits are available on the business day the transaction settles — generally within 1–2 business days from when the payment shows as pending. Availability for each deposit type is shown in the table below. All check deposits to your Account are made by mobile deposit through the Athena app; we do not accept deposits of cash or of checks at a branch or ATM. Because mobile check deposits are not made at a staffed facility or ATM, they are not subject to the standard next-day and second-day availability schedule that applies to checks deposited in person. Instead, we make funds from a mobile check deposit available only after the check has cleared — that is, after the check has been presented to the paying bank and the period for that bank to return it unpaid has passed. Funds from a mobile check deposit will generally be available on the fifth (5th) business day after the business day we accept your deposit, and will not be made available if the check is returned unpaid. We may make funds available sooner, or delay them longer, based on the deposit and the factors described under Longer Holds below.
Determining Availability. If you make a deposit before the cut-off time on a business day we are open, we consider that day the day of your deposit; otherwise the deposit is considered made on the next business day. The length of any delay is counted in business days from the day of deposit.
| Type of incoming funds | When the funds are available |
|---|---|
| Incoming wire transfers | The same business day we receive the wire (final and irrevocable). |
| RTP® and FedNow® instant payments | Immediately on receipt, 24/7, including weekends and holidays (irrevocable). |
| Electronic direct deposits and other incoming ACH credits | The day the transaction settles; generally within 1-2 business days from when the payment shows as pending. |
| Transfers you pull from a linked external account (ACH debit) | The second (2nd) business day after the transfer settles |
| Mobile check deposits | After the check clears — generally the fifth (5th) business day after the day we accept the deposit. Not available if returned unpaid; longer holds may apply. |
| Cash | Not accepted. |
If a Check Is Returned. If a check you deposited is returned unpaid at any time — including after the funds have already been made available — you are responsible for the amount of the item. We may charge it back to your Account, place a hold, reverse the credit, or recover the amount by set-off against your Account or any linked funding source.
Longer Holds. We may make funds from a deposit available later than described above, or place a longer hold, when permitted by Regulation CC. This may occur if we have reasonable cause to doubt a check is collectible; for redeposited checks that were returned; for deposits to an account that is repeatedly overdrawn; for foreign or double-endorsed checks; or during emergency conditions. When we place a longer hold, we will notify you and tell you when the funds will be available.
New Accounts. You are a new customer if you have not had a deposit account with us for at least 30 days. During your first 30 days, funds from check deposits may be available later than described above — generally no later than the ninth business day after the day of deposit.