Answer:
Regulation CC requires the funds be available by the later of 9 a.m. or the time the bank’s teller facilities are available on the next business day, if the deposit was made in person to an employee of the bank. If the cash was not deposited in person to a bank employee, availability can be delayed to the second business day after the banking day of deposit. The bank is free to make the funds available sooner than required.
-------------------------
Learn more about John Burnett’s Regulation CC: Funds Availability (Deposits and Holds) webinar.