JAY GET IT · VIDEO LESSON + PRACTICE
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Check-Hold Conversations: Find the Deposit Day Before Quoting a Date
Watch the current deposit-timing lesson, work through a cutoff-and-holiday case, and connect it to the CHECK article and Regulation CC practice.
Watch: Regulation CC Business Day vs Banking Day Explained | Cutoff Times & Funds Availability
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Video published: September 26, 2026 (Pacific time). Companion lesson last substantively reviewed: November 2, 2026.
Understand the decision
- Business day and banking day answer different questions under Regulation CC.
- Identify the deposit channel and the applicable cutoff before assigning the banking day of deposit.
- Only then apply the relevant availability rule and explain the verified date; mobile deposit terms may differ.
Source context
Practice independently
Use this new fictional situation to check your understanding. Your response stays on this page.
Apply it with a free tool
Use the free Deposit Availability Checklist
Organize account, item, amount, channel, timing, and exception facts before explaining availability.
Use the free Deposit Availability ChecklistEdited learning transcript
This condensed companion follows the video’s main teaching points. It is edited for readability and qualified by the review notes above; it is not a verbatim record. Timestamp links open the corresponding part on YouTube.
0:00 — A deposit date is not the complete answer
Two similar deposits on a Friday can have different receipt days if they arrive on different sides of an applicable cutoff. The lesson builds a sequence: identify the day, the channel, the cutoff, and then the timeline.
2:06 — Business day and banking day
A Regulation CC business day generally excludes Saturdays, Sundays, and federal legal holidays. A banking day is a business day when the relevant office is open to the public for substantially all banking functions. Keep those concepts separate when establishing the starting point.
5:16 — Apply the actual cutoff
The video uses a fictional 4 p.m. example to show why receipt before or after cutoff matters. Under the regulation, the permitted cutoff depends on the location or channel; use the actual applicable time and procedure rather than the example’s clock.
6:49 — Check how the deposit arrived
Teller, ATM, mail, night-depository, and mobile deposits can involve different receipt rules or terms. Do not assume that a Saturday mobile deposit follows the same timetable as an in-person teller deposit.
7:54 — Count only after establishing the start
Identify the deposit, channel, and cutoff; determine the banking day of receipt; then apply the relevant availability rule and count the required business days. A verified starting point is necessary, but it is not by itself the final availability decision.
8:59 — Explain a supported next step
The video practices before-cutoff, after-cutoff, and mobile-channel situations. The page below uses a different cutoff-and-holiday case so you can apply the reasoning independently. The linked CHECK article helps turn the verified facts into a customer conversation.