Account Processing Policies

Transaction posting order

Generally, for each business day we will:

First, add deposits and credits to your account.
Second, items are paid based on the bank's obligation. The most common are paid in this order: withdrawals, transfers, wire transfers, ATM and debit card transactions, direct debits (ACH), and then checks.

Deposit availability

Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit.


Electronic direct deposits will be available on the day we receive your deposit.


For determining the availability of your deposit, every day is a business day, except Saturdays, Sundays, and federal holidays.


If you make a deposit before 5:00 PM CST on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 5:00 PM CST or on a day we are not open, we will consider that the deposit was made on the next business day we are open.


In some situations, we may notify you after your deposit is made that your funds will not be available for up to seven business days.