Is a Checking Deposit Immediately Available for Capital One?


Quick Answer

Deposits into a 360 Checking account are generally available immediately when they are cash deposits at an ATM, when transferred from another Capital One account, or when they originate outside the bank and come into the account electronically. A deposit pulled from an external linked checking account is generally on hold for up to 2 business days, notes Capital One.

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Full Answer

Capital One customers can also deposit checks into their checking account via CheckMate, according to Capital One. These checks have different hold times, based on the amount of money deposited. As of 2015, the first $200 for a check for less than $500 are available the next business day, whereas the rest is available after 2 business days. For checks more than $500, the first $200 are available the next business day and the rest after 5 business days.

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