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.
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.
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.
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 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.