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Your funds availability

When checking deposits are available

When you deposit a check or make a transfer, the funds aren’t immediately available. Here’s important information you should know.

If deposited BEFORE:
  • Branch closing time.
  • 10 p.m. Central time at a TCF ATM, or using TCF's digital, mobile or phone banking services.

    • Same business day:
      • Cash deposits with a teller.
      • Direct deposits.
      • Wire transfers.
      • Transfers from another TCF deposit account.
      • Cash deposited at a TCF ATM that does not require a deposit envelope.
      • First $250 of all checks deposited with a teller or using mobile deposit.
    • 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 (if not previously made available), unless there is an exception.

    If you make a deposit after 10 p.m. Central time at a TCF ATM or using TCF’s digital, mobile or phone banking services, add one business day to the schedule above.

    • Information for new cusomers
      Information for new customers
      Information for new customers
      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 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’s the timing for savings accounts?
      What’s the timing for savings accounts?
      Savings accounts have a different schedule. See the schedule here.

    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 the cutoff time.
    • 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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