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![]() If you deposit checks totaling more than $200, you can access $200 the next business day, and the rest of the money the second business day. Generally, if you deposit a check or checks for $200 or less in person to a bank employee, you can access the full amount the next business day. Be sure to ask your bank or credit union for this policy. Your bank or credit union may have a different timetable for check deposits made through your mobile phone (i.e., by taking a photo of the check within your institution’s mobile banking app). |