What day will a deposit post to my account?

When you can access a deposit typically depends on the type of deposit made:

• Checking accounts: Domestic direct deposits, along with cash and most check deposits, are typically available the same day we receive the funds.
  • However, if you’ve deposited over $5,525 in checks in one day, the remaining funds could take up to seven business days to show up.
• Savings and money market accounts: The availability may vary based on the terms and conditions of your account.
  • Learn more by accessing our agreements.
• International deposits: These may be subject to government reviews and could be delayed to ensure compliance with financial regulations.

If you have questions about the status of a specific deposit, please contact us. We’ll be happy to assist you!

Deposited funds may not show up in your account right away if:

• You’ve deposited over $5,525 in checks in one day. (The remaining funds will typically be made available within seven business days.)
• A check is returned unpaid or doesn’t clear.
• Your account has been overdrawn more than once in the last six months.
• There’s a complication, such as a system outage.

If you ever have questions about when deposits will post to your account, please contact us. We'll be happy to assist you!

An account hold is a temporary restriction that prevents a transaction from being completed right away. When an account is in a hold, it allows us to verify the authenticity of the transaction and ensure the funds are legitimate before they’re made available for use.

For example, if you cash a check from another bank, we may place a hold on an equivalent amount in your account until the check clears. Similarly, if you deposit a check, we may place a hold on funds in the originator's account until the deposit clears.

Simply contact us or stop by one of our locations. We’ll be happy to assist you! As a next step, we’ll provide you with a form that will eventually be given to your employer or other payer.

While both savings and money market savings accounts are FDIC-insured, there are three main differences between the two accounts. The first difference is the minimum-balance requirement:

• For a Regular Savings account, the minimum to open is $50 and the minimum balance to earn interest and APY is $200.¹
• For a Relationship Savings account, the minimum to open is $50 and the minimum balance to earn interest and APY is $100.¹
• For a Minor Savings account, there’s no minimum to open.
• Our money market savings account requires a $500 minimum to open and the balance requirement is $500 to earn interest and APY.¹

The second difference is in interest earned. Money market savings accounts have a higher minimum balance requirement but will earn a higher interest rate than a traditional savings account. View our current rates for savings accounts and money market savings accounts.

The final difference is free checks are provided to access your funds with money market savings accounts. Checks are not available with traditional savings accounts.