Banks may establish different cut-off hours for different types of deposits, as well as for deposits made at different locations. Generally, the cut-off hour may not be earlier than 2 p.m. for deposits made in person at a bank branch, and not earlier than noon for deposits at off-site locations such as ATMs.
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).