Your zip code will be saved as a cookie so that you can navigate our website without repeated prompts. Your information will only be used to display the content you request. Clicking Cancel will return you to the previous page, as a zip code is required to display the requested information on the next page.
To display the information you’re requesting, as well as provide a more user-friendly experience, cookies are required to be turned on in your Internet browser settings. However, this feature is currently turned off.Cookies are needed to register information, such as your zip code, so we may provide the most accurate information for your specific region, such as interest rates. Cookies used by Dollar Bank do not capture any personal information and is only viewable by you, Dollar Bank and our online vendor.We use three different types of cookies:
This link redirects you to a website that Dollar Bank does not maintain. To proceed to this website, click Continue. To stop and return to the previous page, click Cancel.
In seconds, you will be automatically redirected to the requested website.
Expedited Availability
We recognize that many customers will occasionally need expedited availability greater than what is indicated below. In that case, please discuss your needs with branch management or the bank officer responsible for your account before going to a teller.
Fully Available
The funds in an account that are fully available can be used for withdrawal in cash and for electronic and check payments. The Bank may refuse to honor requests for withdrawal or payment against funds that are not fully available.
Immediate Availability Regardless of Time or Type of Day
Deposits of cash received by a teller of the Bank are fully available on the day of deposit.
Deposits through an ATM or by check received by a teller of the Bank are fully available on the day of deposit up to a maximum of $100.
The two rules above are not affected by whether the day is a business day or not or whether the deposit is received before or after the relevant cut-off time.
Business Days
In general, business days are weekdays on which banks and the Federal Reserve Banks are open and exchange checks. Saturdays, Sundays, and federal holidays are not business days even if one or more of Dollar Bank's branches are open.
Except as described above, deposits of any kind made on a day that is not a business day are treated, for availability purposes only, as though made on the first business day after the day of deposit.
Cut-Off Times
The cut-off time on business days for deposits at ATMs and for deposits of funds transmitted by electronic means is 2:30 P.M.
Most branches have a cut-off time of 3:00 P.M., but some branches have a later cut-off time. Each branch has its cut-off time posted. Also, if you make a deposit by mail and we receive the deposit by 3:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit.
In general, deposits in a night depository made during a day that is not a business day or made during a business day after the branch containing the night depository is open for business are treated as though made through a teller on the next business day before the next business day's cut-off time for that branch.
Except as described above, deposits of any kind made after the relevant cut-off time are treated, for availability purposes only, as though made on the first business day after deposit.
The time periods for availability discussed below assume that deposits are made on a business day before the relevant cut-off time.
Funds Transmitted By Electronic Means
Deposits by means of a wire transfer or ACH credit transfer are fully available on the day of deposit.
Next Business Day Availability
Deposits by checks drawn on the Bank or the U.S. Treasury made payable to you and received by a teller of the Bank or through an ATM of the Bank are fully available on the first business day after the day of deposit.
Other deposits by check are fully available on the first business day after deposit up to a maximum of $5,200, no more than $500 of which can be deposited through an ATM not owned by the Bank. In calculating the maximum, funds made fully available on the day of deposit are included. For example, a check for $5,300 deposited through a teller of the Bank at 11:00 A.M. on Monday will have $100 fully available on Monday, a further $5,100 will be fully available on Tuesday (unless Tuesday is not a business day, in which case see Next Day Availability), and the $100 remaining will be fully available as discussed below in Later Availability.
Next Day Availability
If the next day after the day of deposit is not the next business day for purposes of availability, $100 will be made available on that day, and on any following day that would not be considered the next business day, unless you deposit through an ATM. Next Day Availability does not affect amounts that would otherwise be available under Next Business Day Availability or Later Availability. For example, a check for $5,300 deposited through a teller of the Bank at 11:00 AM on Friday will have $100 fully available on Friday, a further $100 will be fully available on Saturday, another $100 will be fully available on Sunday, $4,900 will be fully available on Monday, and the $100 remaining will be fully available as discussed below in Later Availability.
Later Availability
Amounts deposited in excess of $500 through an ATM not owned by the Bank will be fully available on the fifth business day after the day of deposit. All ATMs owned by the Bank have the Bank's name on them.
Amounts deposited in excess of $5,200 to $50,000 at an ATM owned by the Bank will be available on the fourth business day after the day of deposit. Amounts deposited in excess of $50,000 at an ATM owned by the Bank will be available the fifth business day after the day of deposit.
Amounts deposited in excess of $50,000 at an ATM owned by the Bank will be available the fifth business day after the day of deposit.
Amounts deposited in excess of $5,200 but not exceeding $50,000 with a teller of the Bank will be fully available no later than the third business day after the day of deposit (except as noted with reference to ATM’s).
Amounts in excess of $50,000 deposited with a teller of the Bank will be fully available no later than the fourth business day after the day of deposit (except as noted with reference to ATMs not owned by the Bank)
For deposits received by a teller of the Bank, the deposit receipt will show the amount of any funds that will not be fully available immediately or on the next business day and the date on or before which all those funds will become fully available.
Holds on Other Funds
If the Bank cashes a check for you, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will become fully available again at the time funds from the check cashed would have been available if deposited.
Extended Holds
In certain situations, at the Bank's discretion, it may delay availability beyond the times shown above. Such situations include:
(a) The Bank has grounds for believing that a check will not be paid;
(b) A check that has previously been dishonored is re-deposited;
(c) Your deposits for the day exceed $500,000;
(d) One or more of your accounts has been repeatedly overdrawn in the last six months; or
(e) There is an emergency, such as a failure of communications or computer equipment.
The Bank will send you notice by U.S. mail on the first business day after it determines to delay availability in such situations. The notice will specify the reason for the delay, the amount involved, and when the funds will become fully available. In general, funds will become fully available no later than seven business days after the item or items were deposited or re-deposited.
New Customers
If you are a new customer, the following special rules will apply during the first thirty days that your account(s) is (are) open. Please tell us if you are an established customer opening an additional account to prevent inadvertent application of these rules.
The first $100 of checks deposited during a day is fully available on the day of deposit if deposited with a teller of the Bank.
The first $5,000 of a day’s total deposit of U.S. Postal Service money orders, Federal Reserve Bank checks, Federal Home Loan Bank checks, cashier’s, certified, and teller’s checks, traveler’s checks, and Ohio and Pennsylvania state and local government checks will be available on the first business day after the day of deposit.
Other deposits by check are fully available on the first business day after the day of deposit up to a maximum of $500.
Funds from all other check deposits, other than checks drawn on the Bank or the U.S. Treasury made payable to you and received by a teller of the Bank or through an ATM of the Bank, will be available on the fifth business day after the day of your deposit.
Amounts in excess of $50,000 deposited with a teller of the Bank will be fully available no later than the sixth business day after the day of deposit.
We remind new customers to discuss availability needs with branch management if this special rule is likely to cause inconvenience. This rule may be waived if the Bank deems such waiver appropriate.