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When will my funds be available after I make a deposit?

The availability of funds depends on the type of deposit you make and how it is deposited.

Same-day availability: Direct deposits of electronic payments, such as Social Security benefits and payroll direct deposits are available on the business day (excluding weekends and legal holidays) that the funds are due to you. Wire transfers received by 4:00 p.m. ET, cash deposits made in a URW branch and cash deposits made at a URW image ATM are available on the business day of deposit. Check deposits made at a URW branch before closing and/or at a URW ATMs before 5:00 p.m. local time on business days will have $100 of total check deposits available the same day and the rest will be available the first business after the day of your deposit if there are no holds on the account.

Next-Day availability: U.S. Treasury checks payable to you, wire transfers received after 4:00 p.m. ET on a business day, and check deposits made at URW ATMs prior to 3:00 p.m. local time are available the next business day if there are no holds on the account. ATM deposits made after 5:00 p.m. local time on business days or anytime on weekends or legal holidays will be considered deposited on the next business day and be available the following business day.

Exceptions
There are a few exceptions that may delay your funds availability. If we delay your ability to withdraw funds for any of these reasons, we will notify you and tell you when the funds will be available.
Reasons for delay include, for example:

  • We believe a check you deposit will not be paid.
  • You deposit checks totaling more than $5,000 on any one day.
  • You redeposit a check that has been returned unpaid.
  • You have overdrawn your account repeatedly in the last six months.
  • There is an emergency, such as failure of computer or communications equipment or other conditions beyond our control.
  • You are a new client with a checking account opened for fewer than 30 days.

In case of a delay, your funds will generally be available for withdrawal no later than the seventh business day after your deposit.

For more information, please take a look at our full funds availability policy call 434.793.1278 or visit a nearby branch Dial 711 for TTY/TRS.