For more details, check out US Dollar Account Fees and Features. There may be circumstances where the hold period is extended. Subject to certain exceptions, the normal length of time we will hold funds on your account is five business days after the date of deposit.

This means that you won’t be able to transfer funds that are being held. For more details, check out our Hold Funds Policy.įor our US Dollar Account, although the deposit will be reflected in your account balance immediately, your ability to access the entire amount of your deposit will be restricted until the hold period has expired. However, during the hold period, you still earn interest on the deposit amount. This means that funds held will actually become available by the sixth business day.įor example, if you make a deposit on a Monday, you can access the funds on the following Tuesday.Īlthough the deposit is reflected immediately in your account balance, you won’t be able to withdraw or transfer your funds until the hold period has passed. For our Canadian dollar savings account products, we hold funds deposited by cheque or Electronic Funds Transfer (EFT) for five business days, beginning after the date of deposit.

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