A bank's funds availability policy is a set of guidelines provided by a bank that explains how long it takes for a deposit to become available in your account. Your bank's funds availability policy may include the following:  - Same-day availability - Next-day availability  - Delayed availability  - Longer delays may apply: In some situations, such as if the bank has reasonable cause to doubt collectibility or if you have repeatedly overdrawn your account, the bank may delay availability for a longer period). - Holds on other funds (check cashing): If a customer cashes a check (instead of depositing it), the bank may place a hold on an equivalent amount of money that the customer already has in their account. - Holds on other funds (other accounts): If a customer deposits a check into one account and the bank places a hold on those funds, the bank may also place a hold on other funds in another account belonging to the customer. - Exceptions: Banks must notify the customer if they delay the availability of funds for any of these reasons and must tell the customer when the funds will be available.