Check Deposit Hold FAQs

Regions Personal Banking

We understand how important it is for you to be able to access your funds when you need them. We also know it can be an inconvenience to have a hold placed on one of your deposited checks. The following information is intended to help you better understand deposit holds, including what they are and why we might place a hold on a check you deposit.

Why did Regions place a hold on my deposit?

We typically make all or a portion of the funds from a check available to you on the first business day1 after you make the deposit. In some instances (depending on the type of check) we may not make funds available until the second business day, in which case we will make the first $225 available on the first business day. There may also be times when we place a longer hold on some or all of the funds. This can occur for a number of reasons, such as:

  • We have reason to believe the deposited check won’t be paid.
  • You deposited checks exceeding $5,525 on any one day.
  • Your account has been open less than 30 days.
  • You redeposited a check that was already returned unpaid.
  • You have overdrawn your account numerous times in the past six months.
  • There is an emergency, such as a system failure.

For more details, see the Funds Availability Policy section of the Regions Deposit Agreement.

How do I know if a hold has been placed on my deposit?

If the hold is placed on a branch deposit while you are at the branch, your Regions banker will inform you of the hold and provide you with an official hold notice. If the branch places a hold on a deposited check after you have left, we will mail the official hold notice to the address associated with your account in our records.

If we place a hold later on funds from a check you deposit, we may send you a courtesy hold alert2 via email if we have a valid email address on file for you, so that you can know about the hold sooner. If you have also signed up to receive deposit hold alerts via SMS/text or push3 , we will also let you know about the deposit hold through the channel you selected. Finally, we will mail an official notice of the deposit hold to the address associated with your account in our records.