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Direct deposits are usually available immediately. Canadian dollar bank machine and mobile deposits will post to your account immediately but funds may be held for your hold period, as outlined in your product letter, or up to 5 business days. Saturdays, Sundays and national holidays are non-business days.
Example: If the hold period stated in your product letter is 5 business days and you make a Canadian dollar deposit at a bank machine on a Tuesday, you can access these funds the following Tuesday morning, assuming there are no holidays. But, if the first Monday was a national holiday, you can access these funds the following Wednesday morning.
Additional holds apply for non-Canadian cheque deposits. For more information on hold periods, review Processing and Verifying Transactions in our Products and Services Agreement.