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What holds might Old Glory Bank put on a deposited check?

All deposits made to Old Glory Bank are subject to review according to our Funds Availability Policy and check verification. Our full terms and conditions are available here.

In most instances, the first $275 of your deposit will be available the next business day after we receive it.* The remainder of the deposit, up to $6,725, will generally be available on the second business day after the banking day of your deposit. For deposits totaling over $6,725, the remaining balance may be held up to 9 business days to be fully available. 

We will email you if we are placing a hold on a check, and we will let you know when the funds will be available.

 

For example, you deposit a check on Monday afternoon (before 4:00 p.m. Central Time) in the amount of $10,000.00.

  • $275.00 will be available on Tuesday, the next business day.
  • $6,450.00 will be available on Wednesday, the 2nd business day.
  • $3,275.00 (the remaining balance of the deposit) will be available on the 9th business day.

 

Mobile Check Deposits may be held up to 9 business days, for any of the following reasons:

  • Your total check deposits in one banking day exceed $6,725.
  • You are redepositing a check that was returned unpaid.
  • You have repeatedly overdrawn your account.  If we hold your check for this reason, you will receive another email from us with the details of when your funds will be available. 

You may log in to your account anytime to view your account balances and transactions, view all alerts available to you, or manage your account.

*If your deposit was made on a Saturday, Sunday, or Federal Holiday, the next business day will be considered the day of your deposit.