When will my full deposit be available?

Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. This includes deposits made in branch, drive-thru, at ATMs or ATMs with Live Teller and mobile check deposits.

Electronic direct deposits will be available on the day we receive the deposit.

Once the funds are available, you can withdraw the funds in cash, and we will use the funds to pay the checks that you have written.

For determining the availability of your deposit, every day is a business day except Saturdays, Sundays and federal holidays. If you deposit on a business day we are open, we will consider that to be the day of your deposit. However, if you deposit on a day we are not open, we will consider that the deposit was made on the next business day we are open.

In some cases, we will not make all the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the 2nd business day after the day of your deposit. However, the first $275 of your deposits may be available on the first business day after the day of your deposit.

Our daily cut-off time is 8:00 p.m. CST on bank business days. Deposits and/or transfers submitted after the cut-off time or on a non-bank-business day will be posted on the next bank business day.

For additional information or assistance, please review the Funds Availability Disclosure, contact us at (866) 952-9523 or visit your local Arvest branch.