Understanding Deposit Availability for Your Account

At Comerica we want to help you understand the factors that affect how quickly your deposited funds are made available to pay your daily transactions. Our goal is to provide ways that will help you effectively manage your account and avoid situations where your funds are not available when you expect them to be.

When deposited funds are available

The availability of deposited funds generally depends on the deposit type (such as a check or cash) as outlined in the following chart.

Deposit Account Type (Primary Account) Purchases2
(PIN or Signature)
ATM Withdrawal2 ATM Deposit Availability3
  • Statement Savings1
  • Access Checking
  • Money Market Investment Account1
  • On the Job Banking
$5,000 $1,000 $225
  • Premier Checking
  • Rich Rewards® Checking
  • 1849® Checking Account
  • Comerica Platinum Circle Checking®
  • Executive Signature Checking Account
  • High Yield Money Market Investment Account
BusinessDeposit Only ATM Card linked to:
  • Business Savings
  • Business Money Market Account
  • Basic Business Checking
  • Small Business Checking
Deposit Only ATM Card linked to:
  • Commercial Checking
  • All Other Business Accounts
Business Debit Card linked to:
  • Business Savings1
  • Small Business Checking
  • Business Money Market Account1
  • Basic Business Checking
Business Debit Card linked to:
  • Commercial Checking
  • All other Business Accounts

1 A checking account linked to the debit card is required to make purchases.

2 Daily spending and ATM withdrawal limits are "per card" up to the Available Balance in the account.

3 Total amount per business day of immediate availability of ATM-deposited funds; determined by the account to which the deposit is made.