The availability of funds depends on the type of deposit you make and how it is deposited. Same-day availability: Direct deposits of electronic payments (such as Social Security benefits and payroll), wire transfers received by 6:00 p.m. ET on a business day. Next-Day availability: U.S. Treasury checks payable to you, wire transfers received after 6:00 p.m. ET on a business day will be available for withdrawal on the next business day. Exceptions There are a few exceptions that may delay your availability of funds. If we delay your ability to withdraw funds for any of these reasons, we will notify you and inform you when the funds will be available. Reasons for delay include: We believe a check you deposit will not be paid. You deposit checks totaling more than $5,000 on any one day. You redeposit a check that has been returned unpaid. You have overdrawn your account repeatedly in the last six months. There is an emergency, such as failure of computer or communications equipment or other conditions beyond our control. You are a new client with a checking account open for fewer than 30 days. In case of a delay, your funds will generally be available for withdrawal no later than the fifth business day after your deposit. For more information, see our funds availability policy.