Funds Availability Chart


Service Standard Availability New Account Exception Hold (Account open less than 30 days) Large Deposit Exception Hold Re-deposited Check Exception Hold
Cash or Electronic deposits No later than next business day after day of deposit No later than next business day after day of deposit No later than next business day after day of deposit N/A
Cash not deposited in person No later than 2nd business day after day of deposit No later than next business day after day of deposit No later than next business day after day of deposit N/A
US Treasury Checks, US Postal Money Orders, Federal Reserve Checks, Federal Home Loan Bank Checks, PA State or local government checks, Cashier's Certified or Teller's Checks and on-us checks No later than next business day after day of deposit
*If not made in person the funds must be available no later than the 2nd business day after the day of deposit
Standard Availability on amounts up to $5,000.00 -

Amounts >$5,000.00 must be available no later than 9th business day after day of deposit
*If not made in person amounts up to $5,000.00 must be available no later than the 2nd business day after the day of deposit
Standard Availability on amounts up to $5,000.00 -

No later than 7th business day after day of deposit on amounts >$5,000.00
If returned for lack of endorsement or postdated and that is corrected - no hold

For any other reason - no later than 7th business day after day of deposit
All other Checks 1st $200.00 no later than next business day after the day of deposit and the balance no later than 2nd business day after day of deposit No later than 9th business day after day of deposit Standard Availability on amounts up to $5,000.00 -
No later than 7th business day after day of deposit on amounts >$5,000.00
If returned for lack of endorsement or postdated and that is corrected - no hold

For any other reason - no later than 7th business day after day of deposit
Service Repeated Overdrafts Exception Hold Reason to Doubt Collectibility Exception Hold Emergency Conditions Exception Hold
Cash or Electronic deposits No later than next business day after day of deposit No later than next business day after day of deposit May be held until a reasonable period of time after emergency has passed
Cash not deposited in person No later than 2nd business day after day of deposit No later than next business day after day of deposit May be held until a reasonable period of time after emergency has passed
US Treasury Checks, US Postal Money Orders, Federal Reserve Checks, Federal Home Loan Bank Checks, PA State or local government checks, Cashier's Certified or Teller's Checks and on-us checks No later than 7th business day after day of deposit No later than 7th business day after day of deposit May be held until a reasonable period of time after emergency has passed
All other Checks No later than 7th business day after day of deposit No later than 7th business day after day of deposit May be held until a reasonable period of time after emergency has passed

PALCO ATM deposits - no later than the 2nd business day after the day of deposit. Non-PALCO ATM deposits - no later than the 5th business day after the day of deposit.
*** "Business day" means any calendar day other than Saturday or Sunday or Federally observed holidays. All "Exception Holds" require member notification at the time of deposit. (or in the mail within 24 hours of deposit)