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Your funds availability

When checking and money market deposits are available

When your money is available depends on how and when you make a deposit to your checking account or money market account. Here’s how deposits made before branch closing time or 10 p.m. CT become available to you. Add one business day for any deposits made after 10 p.m. CT.

  • Same business day
    • Cash deposits with a teller
    • Direct deposits
    • Wire transfers
    • Transfers from another TCF deposit account
    • Cash deposits at TCF ATMs that do not require a deposit envelope
    • First $250 of all checks deposited with a teller
  • Next business day
    • Checks written from TCF accounts
    • Deposits made at a TCF ATM
    • U.S. Treasury checks
    • U.S. Postal money orders
    • Government checks and cashier’s checks deposited in branch (upon request)
  • Second business day
    • All other checks deposited with a teller or at a TCF ATM (if not already available), unless there is an exception that results in a longer delay

Mobile deposits

Checks deposited using mobile deposit have a different schedule. To see when your funds will be available, log into our mobile app and select Deposit check.

  • Information for new customers

    New checking customers

    New checking customers

    In your first 30 days, the $250 same business day check availability does not apply. Your deposited checks will be available funds on the fifth business day after the day of your deposit. We may, in some cases, shorten this time period.

  • Business day calendar

    What’s considered a business day?

    What’s considered a business day?

    Weekends and most federal holidays are not business days, so a deposit made on a non-business day will post on the first business day after the deposit was made.

  • Savings account timing

    What about savings accounts?

    What about savings accounts?

    Savings accounts have same business day availability for some deposits, but other deposits may not be available until the fourth or fifth business day. See the section called Funds Availability Schedule and Disclosures in your account contract or ask a TCF team member for details.

How transaction processing affects your balance

The order transactions post will impact your available balance. If there’s not enough available money in your account to cover all of your transactions, the posting order could affect the number of overdrafts or returned items on your account and the number of fees you incur. We post deposits before withdrawals. The most common account transactions will post to your account in the following order:

  • One

    All deposits and other account credits made before 10 p.m. CT.

  • Two
    Branch transactions/digital & mobile payments/fees, including: teller withdrawals, wire transfers, returned deposits or adjustments, automated line of credit payments, account transfers, online bill payments, check printing fees and overdraft or NSF fees from the previous processing day.
  • Three
    ATM withdrawals and debit card purchases.
  • Four
    Checks paid from your account in check number order, starting with the lowest number.
  • Five
    All other withdrawals, including electronic (ACH) payments, monthly maintenance fees, ATM withdrawal fees and paper statement fees.
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