When your funds from your deposit become available.
Different types of deposits become available at different times. The table below is a general summary of our Funds Availability Policy. Please review the Funds Availability Policy in our Personal Deposit Account Agreement for a complete description of our policy.
Description of deposit: |
When the funds are available: |
- Cash deposits.
- Direct deposits.
- Other electronic deposits and wire transfers.
|
Same business day that we receive the deposit. |
- Checks drawn on a Santander account and U.S. Treasury checks.
- The first $225 of all checks you deposit on a business day.
|
No later than the next business day. |
- Remainder of all other checks.
|
No later than the second business day. |
Note: In some cases, we may delay availability to withdraw funds beyond the periods described above. If we do, we’ll notify you. If this does happen, the funds will generally be available on the sixth (6th) business day after the business day of deposit.
Helpful tip: A business day is every day except Saturdays, Sundays, and federal holidays. If you make a deposit on a non-business day, your date of deposit is the next business day.