How can I avoid having a hold on my money?

To avoid holds in your account, make deposits that are likely to become available as soon as possible.

A hold is a temporary delay in making funds available. To avoid holds in your account, make deposits that are likely to become available as soon as possible.

How to Prevent Holds

  • For your paycheck, sign up for direct deposit. Electronic transfers (especially those that occfure regularly, like a payroll deposit) tend to clear quickly.
  • For large deposits, ask for a form of payment that clears quickly, including wire transfers and cashier's checks.
  • Deposit in person with a bank employee. Deposits at ATMs or through your mobile device might take longer to clear.