If the deposit was made in cash before 3:00 p.m. on a business day, the funds will be immediately available for any type of transaction. But if a cash deposit is completed after 3:00 p.m. or not on a business day, the funds will only be immediately available for online transactions, such as ATM withdrawals and transfers, POS (point-of-sales) purchases, and transfers between accounts through our mobile application or Online Banking service. The effective date, however, will be the next business day.
Checks deposited before 7:00 p.m. on business days will be processed and available on the same day. Deposits after that time will be processed the next business day. FirstBank will consider the date of processing as the effective date for the deposit. Your deposit will be available as per our Fund Availability Policy, which is included in the Account Agreement.