Banks are required to make direct-deposit funds available for withdrawal not later than the business day after the banking day on which the bank received the electronic payment. For instance, funds direct deposited on a regular, non-holiday Monday would be available by Tuesday. But, funds deposited on a Sunday on which the bank was closed may not be available until Tuesday.
Review your account agreement for policies specific to your bank and your account.
Refer to 12 CFR 229 Availability of Funds and Collection of Checks (Regulation CC).