Funds Availability & Check Clearing Schedule

When will my funds be available after I deposit a check?

OneAZ Mobile Banking app - Deposit a check - Take pictures

What are my options for depositing a check?

There are a few ways to deposit a check into your OneAZ account.

  • Visit an ATM on the CULiance network
  • Use your mobile device for deposits under $5,000
  • See a teller at your local branch

Funds Availability Policy:

OneAZ members are protected by Regulation CC – a federal regulation that requires credit unions and other financial institutions to ensure that deposits are available for withdrawal within a standard time frame.

  Deposit Channel ATM icon
mobile banking icon
person sitting at desk icon
  Deposit limit? No Yes, $5,000 No  
  Amount released upon deposit Up to $225 Up to $225 Up to $225  
  Amount cleared one business day after deposit Up to $225 Up to $225 Up to $225  
  Amount cleared two business days after deposit Up to $5,075 Up to $5,000 Up to $5,075  
  Remaining amount clears on 7th business day after deposit N/A Up to 9th business day after deposit  

Our team is here to help.

For assistance with a manual deposit clearing review, please contact our Member Care Center at 844.663.2928.

Call Member Care Center

OneAZ’s Check Clearing Schedule

If you make a deposit before 5pm on a business day, that will be considered your day of deposit. If you make a deposit after 5pm or during non-business hours, the next business day will be considered the day of deposit.

A business day is defined as Monday through Friday and excludes Federal Holidays. View our branch and ATM locations to find our hours.

Mobile Deposit will become available once you have been a member with OneAZ for 31 days. However, you may gain access to Mobile Banking at any time once you are a member.

After your first 90 days of membership, you can request a manual deposit review and request expedited clearance as needed.

Zelle® logo

Alternatives to check deposits.

If you’re looking for a faster way to transfer money, consider one of these options offered by OneAZ:

Have questions about your new accounts?

Find out everything you need to know about your accounts by clicking on the dedicated resources below.

U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. At OneAZ, we additionally require that you must have an active checking account and be at least 18 years of age.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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