Banks generally post deposits before withdrawals. However, the law does not require this. In addition, banks may establish a cut-off time for deposits made at a branch or through an automated teller machine (ATM). Deposits made after that time may be treated as having been made on the following business day.

What time do bank transactions post?

Most transactions post at the end of each business day but posting order and times can vary. Business days for banks are generally Monday - Friday from 9am to 5pm, excluding federal holidays. Transactions received outside of these hours, including on weekends, are usually posted on the next business day.

Are banks required to post credits before debits?

When exactly your bank credits or debits your account can have a significant impact on your cash flow and available balance. ... National banks often post deposits (credits) before withdrawals (debits), but they are not required to do so. Ask your bank how they normally order transactions.