When do deposits post bank of america

Get the Mobile Banking app. Get it on the App Store Before you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their policies. Or we can text a download link directly to your phone. Please enter a valid digit phone number. Or we can send you a link by email. Please enter a valid email address. Get it on Google Play Before you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their policies.

Our mobile app isn't available for all devices If you don't see an app for your device, you may still be able to access our mobile website by typing bankofamerica.

Learn more about mobile banking options and supported devices. Get the mobile banking app Before you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their polices.

We sent an email with the download link to We sent a text message with the download link to. We couldn't send the link We're sorry we weren't able to send you the download link. Please try again, or use your mobile device to get the app from its app store.

See how Mobile Check Deposit works. Statements , closed undefined. Tax preparation , closed undefined. Wire transfers , closed undefined. Self-service ATMs , closed undefined. ATM cards , closed undefined. Bank account rates and fees , closed undefined. Access your money faster Access your money faster with direct deposit Download a prefilled form Download a prefilled direct deposit form. How direct deposit works Skip extra trips to the bank.

Download a direct deposit form. Secure, convenient and easy Get same-day access to your deposit from anywhere Reduce the risk of lost or stolen paper checks Set up Online Banking alerts Footnote 1 via email or mobile Footnote 2 letting you know when your money is deposited Sign in to Online Banking and download a prefilled direct deposit form Not using Online Banking? Enroll now Download a direct deposit form.

The material provided on this website is for informational use only and is not intended for financial, tax or investment advice. Please also note that such material is not updated regularly and that some of the information may not therefore be current. Consult with your own financial professional and tax advisor when making decisions regarding your financial situation. You may have noticed that when you deposit money into a bank, sometimes you have access to that money right away while at other times it might take a few days before it becomes available for you to use.

Why the difference? Well, it often has to do with the way banks process different types of deposits. Your teller will be able to let you know. Scheduled direct deposits from a payer—like your employer—are usually available in your account on your regular payday—or the following business day. That means that the processing—making sure the account that the deposit is coming from has enough money to cover the transaction—can also happen in advance.

When you deposit a check at a bank or ATM, it can take a little more time because your bank needs to collect the funds from the payer, whose account might be at a different bank. Some large banks work directly with each other to clear checks. But many others will send a check through an intermediary called a clearing house in order to process it. The clearing house will sort all the transactions coming from one bank to another and send the correct amount of money to each.

And this can happen after your bank has made the money available to you. Now, the amount of your check deposit can also affect how quickly the money is available. But larger amounts can take longer to become available. There are also a few reasons a bank might delay portions of certain deposits—and most of them have to do with managing risk. A bank can lose money if a check is fraudulent or counterfeit. There are other factors that can delay the availability of a check deposit as well.

So if you need to know when your money will become available, talk to a bank representative when you make your deposit. Mobile deposits—where you snap a picture of your check that gets sent electronically to your bank—are generally processed the same way regular check deposits are.

They can save you a trip to the bank, but how long it takes to process them can vary from bank to bank.