When a check with an outstanding stop payment is received by us during the business day, it becomes pending in your personal checking account and must go through our nightly processing before it can be removed as pending from your account.
Nightly processing begins after 8:00 p.m. CT, and the check may still show as pending on your account until the start of the next business day (not including holidays and weekends).
The amount of the pending check may temporarily reduce your available balance.
The reduced funds generally become available after the stop payment is completed during nightly processing, in time to help cover other transactions posting to your account that same night.
Reminder: If you submit a stop payment after 8:00 p.m. CT on a check that is already pending in your account, we will not have enough time to act on it. Learn more about how pending checks affect your available balance.