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Can the bank place a hold on deposits made in cash?

Yes. Generally, a bank must make funds deposited by cash in person to a bank employee available for withdrawal by the next business day after the banking day on which the cash is deposited. The hold could last longer if the cash is not deposited in person to a bank employee.

A business day is a calendar day other than a Saturday, Sunday, or a federal holiday.

A banking day is a business day during which an office of a bank is open to the public for substantially all of its banking functions.

Review your deposit account agreement for information on your bank's funds availability policy.

Last Reviewed: October 2020

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on HelpWithMyBank.gov should not be construed as legal advice or a legal opinion of the OCC.

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