A1: Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the second business day after the day of deposit.
A2: When a deposit is made after 3:00 pm it does not meet the cut off time for that day. (The cutoff on Fridays is 2:00 pm.) This means your deposit will get processed the next business day and will not show in your account until the next business day after that. For example, John Doe deposits $100 on Monday at 3:30 pm. Since it was after the cut off time the deposit would not show up until Wednesday because it would get processed on Tuesday. If a deposit was made on Friday after the cut off time the funds will not show up until Tuesday because no work is processed over the weekend.