Funds Availability

In most cases, our customers deposit funds several days before making withdrawals or writing checks to their account, to be sure they have available funds. In fact, it is always a good practice to wait one extra day before writing checks, going to the ATM or using your check card, unless you already have funds available in your account. That's because it is Associated Bank's policy to make funds from deposits available on the first business day after the day the deposit is made. In some cases, depending upon the type of check deposited, longer delays may apply. Deposits of cash, checks drawn on Associated Bank, and electronic deposits (including direct deposits), however, are available the same business day they are deposited.

Beginning Sept. 12, 2007, deposits made with checks drawn on other banks will now be made available the next business day. This policy applies to all checking, savings and money market accounts.

In summary:

		Funds from checks drawn on other banks that are deposited into checking, savings and money market accounts, whether in person, mail or by ATM, will be available on the first business day after the day the deposit was received.
		If you would like help establishing direct deposit of your payroll or government check, please see a personal banker at any Associated Bank location.
		If you have any questions or would like to sign up for direct deposit or add overdraft protection, please contact your local Associated Bank. We’d be happy to help you.
		Please be sure to wait that extra day before you write checks, go to the ATM or use your check card, unless you already have available funds in your account. It’s easy to see your available funds balance through online banking, your ATM receipt or by asking a teller at the bank.