Banks can't place a hold on a check from the same institution. The funds are available the next business day depending on the bank's cut off time is how soon your funds will be available. Most banks cut off time is @ 3 pm, therefore if you deposit your check after 3 chances are that the funds aren't going to be available tomorrow, but the day after tomorrow( that is if you deposited your check on a weekday), anyhow! I hope that helps!
One thing you can do if you have a BOA check that you are depositing in your BAO account cash it and deposit it as cash. The availablty for that is right away for withdrawals only, it doesn't guarrante to cover any transactions pending. |