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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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I made a cash deposit into my checking account. I attempted a withdrawal later that day and was told I could not withdraw until tomorrow. Can the bank do this?

Answer: Generally, a bank or credit union has until at least the next business day to make your cash deposit available to withdraw or to use these funds to cover your checks and debits.

If the deposit was not made in person to an employee of the bank or credit union, the bank or credit union must make the funds available the second business day after the banking day on which the cash was deposited.

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