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When will money paid in at a branch be available?

Money paid in at a branch will be available under the following guidelines:

Cash

  • Over the counter : Credit entry immediate - Funds available immediately
  • CDM (Cash & Deposit Machine) : Credit entry immediate Funds available within 2 minutes
  • Quick Deposit envelopes : Credit entry immediate Funds available by close of business

Cheques

Paper clearing cheques

  • Over the counter : Credit entry on next working day - Funds usually available after transaction date plus 4 days.
  • CDM (Cash & Deposit Machine) : Credit entry on next working day - Funds usually available after transaction date plus 4 days.
  • Quick Deposit envelopes : Credit entry on next working day - Funds usually available after transaction date plus 4 days.

Image clearing cheques

  • Over the counter : Funds credited to account the following business day.
  • CDM (Cash & Deposit Machine) : Funds credited to account the following business day if paid in before 3.30pm.
  • Quick Deposit envelopes : Funds credited to account the following business day.

Mixed cash and cheques

  • Over the counter : Credit entry on next working day - Cash available immediately. Cheque usually available after transaction date plus 4 days for paper clearing cheques or funds available the following business day for image clearing cheques.
  • CDM (Cash & Deposit Machine) : Credit entry on next working day - Cash available immediately. Cheque usually available after transaction date plus 4 days for paper clearing cheques or funds available the following business day for  image clearing cheque if paid in before 3.30pm.
  • Quick Deposit envelopes : Credit entry on next working day - Cash available by close of business. Cheque usually available after transaction date plus 4 days for paper clearing cheques or funds available the following business day for image clearing cheques.