When you make a deposit to your account, we most often make the deposited funds available the next business day. But sometimes, we place a hold on a deposit. This means you may not have access to those funds until the next business day. The availability of funds depends on a number of factors, including how, when and where you made the deposit. When you deposit cash with a teller, funds are usually available immediately if the deposit was made before the cut-off time. This is also true if you make a deposit at an ATM or if you deposit a check written to you.