Managing your bank account effectively means knowing when your funds will be available and how your transactions are processed. Here’s a quick guide to check hold and funds availability policies that affect how and when your money moves.

Why Is There a Hold on My Check Deposit?

A hold on your check deposit means the bank is temporarily preventing access to the funds until the check clears. This is a standard practice across banks, including Cadence, and is often triggered by:

• Large check amounts
• New accounts
• Frequent overdrafts
• Collectability issues such as postdated or altered checks

Why Do Banks Hold Checks for 7 Days?

While most checks clear within 1-2 business days, certain exceptions allow banks to hold checks for up to 7 business days. These longer holds are permitted under federal regulations, which govern funds availability.

Funds Availability: What to Expect

Cadence Bank’s funds availability policy states that for ATM check deposits made before 9:00 p.m. CT, funds are typically available the next business day. Mobile deposits made before 8:00 p.m. CT are typically available within two business days, depending on the time of deposit and account history.

Tips for Managing Your Account

• Deposit early

  To ensure funds are available quickly, make deposits a couple of business days earlier than you need funds available.

• Track your balance

  Use Cadence Bank’s Online and Mobile Banking tools to monitor pending transactions.

• Understand overdraft protection

  Review the overdraft terms on your specific account to see if the coverage is right for you.

Want to learn more? You can find full disclosures and terms on Cadence Bank’s Policies and Disclosures page.

This article is provided as a free service to you and is for general informational purposes only. Cadence Bank makes no representations or warranties as to the accuracy, completeness or timeliness of the content in the article. The article is not intended to provide legal, accounting or tax advice and should not be relied upon for such purposes.