If i deposit a check on sunday when will it be available?

When it comes to having a banking account, as a bank customer it is proper to know the time your bank do process transactions especially when it involves weekends.

Once you know the actual time banks do process transactions, it will help you to know when funds will be available after you made a deposit. However, this article will explain all you need on the time banks or any other financial institution do process transaction.

if i deposit a check on sunday when will it be available

If i deposit a check on sunday when will it be available?

If you deposit a check on sunday, the fund will be available on Monday or latest Tuesday except if there’s a federal holiday.

If you happen to deposit a check on a Sunday, the transaction will be on pending until the next business day when the bank will start to process the transaction and usually it will be around 6pm to 11:59pm in the night. So mostly you will receive the fund on Tuesday morning or latest Tuesday evening.

However, banks have their rules and regulations and it may take up to three working days to receive the fund.

Kindly note that if you happen to deposit a check on a Sunday, it will be treated as if you deposited the check on Monday. Reason for this is because Sunday is not a business day or banking day.


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What are business days in banking

Talking about if i deposit a check on sunday when will it be available, it is commendable to know the business days as it matters a lot when it comes to processing of transactions.

The truth is that banks don’t process transactions outside business days and this includes bank holidays.

Now the question is what are business days in banking?

Business days in banking are from Mondays to Fridays as Saturdays and Sundays are not business days in banking. However, this doesn’t mean you can’t deposit a check or cash deposit on weekends, you can but it won’t be processed until Monday except if federal holiday falls on Monday.

Business days are the number of days banks are open for operation and offer banking services to their customers. 

Mostly banks don’t open or accept any form of deposit on Sunday, but they do on Saturday. On Saturdays, banks are open for a short period of time and which the do accept cash deposit, direct deposit, check deposit, transfer, etc and which will not be processed or posted to the stated account until the next business day.

I’m saying this for you to understand the days which bank will attend to your deposit especially deposit made on weekends.

What are banking hours?

Banking hours are the number of hours banks are open for operation in a given day, and which ranges from 9am in the morning until 6pm in the evening.

Banking hours differs from bank to bank as some banks are open for operation from 8am until 5pm into the evening. During banking hour, bank customers are able to make deposit through the counter or receive banking services.

Once banking hour is over, bank will not accept any further transactions inside the bank except for the atm, mobile banking app or the internet banking.

Looking at the question of the day, if i deposit a check on sunday when will it be available. On Sundays you can only make a deposit through the atm except for bank like TD bank that are open for operation on Sunday though transaction won’t still be posted to the stated until the next banking day.

Processing time

Proccesing time is quite different from banking hour as processing time is when banks process all the transactions received in a given day and after which the transactions will be posted to the various accounts.

When it comes to processing time, it differs from bank to bank but mostly it start from 6pm until 11:59pm. This is usually the time banks do process transactions received and this includes checks deposited in the bank.

Example: If i deposit a check on Sunday night when will it be available? 

The fund will be available on Monday night as the bank will treat the transaction as if you made the deposit on Monday. If you didn’t receive the fund on Monday night, then be rest assured to receive it on Tuesday.

If i deposit a check on Friday night when will it be available?

The fund will be posted to the stated account on Saturday morning as banks try as much as possible to process all transactions brought to the bank on Fridays. You may not receive the funds on late hours of that Friday, but before 1pm on Saturday the fund will be available to you.

If i deposit a check on saturday when will it be available?

If you deposit a check on saturday, the fund will be available on Monday except if Monday is a bank holiday or a federal holiday.

Checks deposited in the bank on Saturday will not be processed and posted to the stated account, it will be a pending transaction until Monday or the next business day which the bank will then process and post the transaction.

All transactions brought to the bank on weekends will not be processed and posted until the next business day.

So don’t bother expect to receive your funds or your funds being available after depositing a check on a Sunday. It will never be available right away even if it is during weekdays or business days as banks process their transactions in the night.

The bank holidays

These are number of days banks are not open for operation due to the fact that it is a federal holiday. Here’s the Fed’s holiday schedule for 2022:

  • New Year’s Day: Saturday, Jan. 1
  • Martin Luther King Jr. Day: Monday, Jan. 17
  • Washington’s Birthday: Monday, Feb. 21
  • Memorial Day: Monday, May 30
  • Juneteenth National Independence Day: Monday, June 20 (observed, because June 19, the date of Juneteenth, falls on a Sunday)
  • Independence Day: Monday, July 4
  • Labor Day: Monday, Sept. 5
  • Columbus Day: Monday, Oct. 10
  • Veterans Day: Friday, Nov. 11
  • Thanksgiving: Thursday, Nov. 24
  • Christmas: Monday, Dec. 26 (observed, because Dec. 25 falls on a Sunday)

Related Questions

Do check deposits go through on Saturdays?

Check deposit don’t go through on saturday but rather it will be pending until the next business day which is usually on Monday, then it will be processed and posted to the bank account.

If I deposit a check in the ATM when will it be available?

If you deposit a check in the ATM during business day, the transaction will be processed that same day and the fund is likely going to be available the next day.

If you deposit a check in the bank after the bank cutoff time, the transaction won’t be processed until the next day. Usually bank cutoff time is 11:59 pm though it differ from bank to bank as some banks cutoff time is 11pm, while some are 11:59pm.

Any transaction made after the cutoff time will not be processed until the next banking day. But if you made a deposit during before cutoff time, the transaction will be processed that very day and the funds will be available that very day or the next morning.

If I deposit a check on Friday when will it be available Saturday?

If you deposit a check on Friday the fund will be available on Saturday morning or latest Saturday evening. Checks deposited in the bank on Fridays will be processed that same day and funds made available in the night or on Saturday.

Will checks deposited on Friday clear on Saturday?

The answer is yes. Checks deposited on Friday will definitely clear on Saturday except if there is an issue with the transaction whicg will delay the processing of the check.

How long does it take for a check to clear if deposited on Friday?

You should expect the check to within 24 hrs after depositing it in the bank. However, the time frame depends on the bank and the ACH as well.

If the bank is fast enough in processing your check before the cutoff time, you should receive your within the next 24rs on Saturday.

If i deposit a check on sunday when will it be available Regions, Chase, wells fargo, TD bank, capital one, Huntington bank, etc?

If you deposit a check on sunday, kindly know that the fund will be available the next business day which is usually on Monday except if there is a federal holiday on that very Monday.

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