Funds from a cash deposit are available immediately when made at a U.S. Bank branch or ATM.

Other deposits are given up to $225 available immediately. However, if the total deposits exceed $225, the remainder typically becomes available by the next business day. This is because our systems update overnight, Monday through Friday (except on federal holidays).

To see if a deposit is available using online banking and the U.S. Bank Mobile App

1. Choose your account from the dashboard.
2. Online banking: Review the Available balance tile.
   U.S. Bank Mobile App: Select the information icon to the right of the available balance. 
   • If the deposit is still pending, the Funds held from deposit* section will show the amount held. 
   • If the deposit is available to use, the Funds held from deposit section will not appear.

More information

You can also set up alerts for “Hold status” and “Deposit posted” to receive notices on when the funds are available. See also: How do I add or remove account alerts?

*More information regarding when the funds will be available can be found in Your Deposit Account Agreement.