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 | |
|---|---|---|---|---|
| Consumer |
|
$5,000 | $1,000 | $225 |
| $10,000 | $2,000 | $2,000 | |
| Business | Deposit Only ATM Card linked to:
| $0 | $0 | $225 |
Deposit Only ATM Card linked to:
| $0 | $0 | $5,000 | |
Business Debit Card linked to:
| $5,000 | $1,000 | $225 | |
Business Debit Card linked to:
| $10,000 | $2,000 | $5,000 |
Tools & Resources
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.