Some spots can be difficult to decipher. If you have questions, ask. Cash and electronic deposits easiest to access The rules concerning cash and electronic deposits, such as wire transfers and direct deposits, are the easiest to understand. Federal regulations require banks to make all money from these types of deposits available on the next business day. This goes for new customers, too.
Some banks allow same-day withdrawals.
Remember federal regulations stipulate the longest possible period that a bank may keep your money away from you. A bank may choose to have more lenient policies. Most of the smaller banks and credit unions are more lenient in their policies than some of the big banks. It also depends on whom you ask. Veteran employees often have more authority to waive rules for individual customers.