Home Celebnews262

Truist Check Deposit Availability: 5 Critical Changes & Cut-Off Times You Must Know In 2025

• minute read
Contents

Understanding your money’s availability at Truist Bank is more important than ever, especially with recent and upcoming policy changes. As of today, December 22, 2025, Truist operates under a clear, multi-tiered funds availability schedule, but a significant shift is on the horizon that will impact how quickly you can access deposited checks.

The standard rule of thumb remains "next-day availability" for most check deposits, provided you meet a crucial 9:00 PM Eastern Time cut-off. However, for those who rely on instant access, Truist offers an Immediate Availability Service (IAS) that comes with a specific fee structure. Knowing the exact cut-off times, the cost of instant access, and a major policy change set for March 2025 is essential to managing your finances efficiently and avoiding unexpected holds.

The Standard Truist Funds Availability Policy: Next-Day Access

The core of Truist’s funds availability policy is designed around the next business day. This means that for most routine check deposits, you can expect the funds to be available for withdrawal, transfers, and bill payments shortly after the bank’s nightly processing.

Key Factors for Standard Next-Day Availability

To qualify for the standard next-business-day release, several factors must align. These rules are consistent across most Truist checking accounts, including Truist One Checking and Marquee Checking accounts.

  • The Cut-Off Time: This is arguably the most critical detail. All checks, regardless of whether they are deposited via mobile app, ATM, or in a branch, are considered received on the same banking day if the deposit is made by 9:00 PM Eastern Time (ET).
  • The Business Day Rule: A business day is defined as Monday through Friday, excluding federal holidays. If you deposit a check after 9:00 PM ET or on a non-business day (like a Saturday), the deposit is considered received on the *next* business day, pushing the availability of funds back an extra day.
  • Processing Time: Funds are typically made available after Truist’s nightly processing. For a check deposited before the 9:00 PM ET cut-off on a Monday, the funds should be available early on Tuesday morning.

It is important to note that the standard availability policy is the default, no-fee option for all clients.

Immediate Availability Service (IAS): The 2% Fee for Instant Access

For clients who cannot wait until the next business day, Truist offers an elective service called the Immediate Availability Service (IAS). This service allows you to access the full amount of your deposited check instantly, but it is not free.

How the Immediate Availability Service (IAS) Works

The IAS is a premium feature that bypasses the standard next-day hold, providing immediate credit to your account at the time of deposit.

  • Availability Channels: IAS is currently offered exclusively for checks deposited through the Truist Mobile App and at Truist ATMs.
  • The Fee Structure: If you elect to use the IAS, a fee is immediately deducted from the check amount. The fee is 2% of the check amount for any check equal to or over $100. For example, a $500 check will incur a $10 fee, and you will receive $490 instantly.
  • Eligibility: The option for immediate availability is presented on a per-check basis during the mobile or ATM deposit process. A single check deposit that is less than $5 is not eligible for this service.

While the IAS provides immediate liquidity, clients must weigh the cost—a 2% fee—against the convenience of having instant access to funds. This is a key entity of the Truist deposit ecosystem that differentiates it from many competitors.

Major Policy Shift: The March 2025 $100 Rule Change

Perhaps the most critical and recent update to the Truist check deposit policy is a change slated to take effect in March 2025. This modification will alter the initial amount of a check deposit that is instantly accessible.

Historically, many banks, including Truist, have made a small portion of a check deposit—often the first $100 or $200—available immediately, even under the standard, no-fee policy. This was a regulatory minimum designed to provide quick access to a small amount of cash.

The New Rule After March 2025

Effective March 2025, the first $100 of your total check deposit will no longer be made immediately available for checking deposits made at ATMs or via the Mobile App under the standard availability policy. This means that unless you pay the 2% fee for the Immediate Availability Service (IAS), you will likely have to wait until the next business day for *any* portion of your check deposit to be available.

This change is a significant shift in the bank's funds availability strategy and is crucial for clients who rely on that initial, immediate $100 for small, urgent transactions. After this date, the next-day availability rule will be strictly enforced for the entire check amount unless the IAS fee is paid.

Extended Holds and Exceptions to the Next-Day Rule

While next-day availability is the standard, Truist, like all financial institutions, reserves the right to place an extended hold on a check deposit under certain circumstances. These extended holds are necessary for risk management and compliance.

When Your Funds May Be Delayed (Extended Holds)

An extended hold can delay the full availability of your funds for several business days, often up to seven business days, and sometimes longer depending on the specific risk factors.

  • Large Deposit Amounts: If the total amount of checks deposited in a single day or over a short period exceeds a certain threshold (which can vary by account and client history), an extended hold may be placed on the excess amount.
  • Repeated Overdrafts: Accounts that have been repeatedly overdrawn in the past six months may be subject to longer hold times.
  • Checks from New Accounts: If the check being deposited is drawn on an account that has been open for less than 30 days, a hold may be applied.
  • Reasonable Doubt of Collectability: If the bank has a reasonable suspicion that the check will not clear (e.g., a check that has been previously returned unpaid), a precautionary hold will be placed.
  • Foreign Checks: Checks drawn on a bank outside of the United States are always subject to significantly longer hold times due to international collection and clearing processes.

If an extended hold is placed on your deposit, Truist is required to notify you at the time of deposit or shortly thereafter, explaining the reason for the hold and when the funds will finally be available.

Mobile Deposit Limits and Best Practices

Mobile check deposit is one of the most convenient ways to bank with Truist, but it is subject to its own set of rules, including deposit limits.

Understanding Mobile Deposit Limits

Unlike some banks that publish a fixed, low daily limit, Truist maintains a more flexible, risk-based approach to mobile deposit limits. Truist does not have a single, set mobile deposit limit for all checking accounts.

  • Personalized Limits: Your specific daily and monthly mobile deposit limits are determined by your account type, your tenure as a client, and your overall banking relationship and history with Truist. This means a long-time client with a high-tier account will likely have a much higher limit than a new client with a basic checking account.
  • Limit Modification: Truist reserves the right to modify these limits at any time. You can often view your current mobile deposit limits directly within the Truist mobile banking application before you initiate a deposit.

Best Practices for Mobile Deposit

To ensure the fastest possible processing and to avoid any unnecessary delays, always adhere to the following best practices:

  • Endorsement is Key: You must properly endorse the back of the check. The required endorsement includes your signature and the phrase "For Truist Mobile Deposit Only" (or a similar restrictive endorsement). Failure to include this phrase is the number one cause of mobile deposit rejection.
  • Clear Images: Ensure the images of the front and back of the check are clear, well-lit, and include all four corners.
  • Monitor the Cut-Off: Always aim to complete your mobile deposit well before the 9:00 PM ET cut-off time to guarantee it is processed on the current business day.

By staying informed about the 9:00 PM ET cut-off, the 2% IAS fee, and the upcoming March 2025 policy change, you can effectively navigate the Truist check deposit availability landscape and ensure timely access to your funds.

Truist Check Deposit Availability: 5 Critical Changes & Cut-Off Times You Must Know in 2025
truist check deposit availability
truist check deposit availability

Detail Author:

  • Name : Gussie Terry
  • Username : iheidenreich
  • Email : edgardo.wisozk@greenfelder.com
  • Birthdate : 1971-04-17
  • Address : 4549 Jacobs Mount West Louvenia, NC 76190
  • Phone : 970-517-8882
  • Company : Hegmann, Hodkiewicz and Hegmann
  • Job : Farmer
  • Bio : Ab sunt distinctio aut. Voluptas nostrum et magnam eum iusto sunt. Est aut similique similique quos.

Socials

twitter:

  • url : https://twitter.com/marjory_gulgowski
  • username : marjory_gulgowski
  • bio : Qui vero non iusto praesentium cupiditate beatae doloribus qui. Et non tempora ea dolores saepe necessitatibus odio.
  • followers : 5831
  • following : 1470

facebook:

linkedin:

Random Posts