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Foresight Bank
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Funds Availability

Foresight Bank's policy is to allow depositors access to their deposited funds in their account on the first business day after the day the bank receives the deposit. All checks not drawn on a Foresight Bank account will be available the next day. All cash, ACH, Direct Deposits and checks written from a Foresight Bank account will be available immediately. 


This allows time for us to determine validity of the deposited check so you do not have an inadvertent overdraft to your account. Once a check is deposited into your account, you are responsible for those funds and caution should be taken with each check received. Your debit card will be able to be used once the funds become available.

A deposit hold means that although a check amount was credited to your account, it's not available for your use. Foresight Bank's general policy is to make deposited funds available on the first business day after the Bank receives a deposit. In some cases, however, we may place a deposit hold on these funds and delay availability for up to 9 business days. Common reasons for placing a hold on a check or deposit include but are not limited to:

  • New customer
  • High-dollar deposits that exceed the total available balance in the account
  • Accounts with frequent overdrafts
  • Deposits of checks that have already been returned unpaid
During the time a deposit hold is in effect, you should not write checks against or attempt to withdraw the held funds. If a deposit hold has been placed, we may decline withdrawals or return checks and other payments if the total amount of available funds in your account (not including the “hold” amount) is insufficient to pay these items.

Generally, a deposit hold is placed at the time you deposit the check. An additional hold disclosure will be included with your receipt at the time of the deposit. 

If a deposit hold is placed after the deposit, we will notify you via US Postal Service.

Holds help prevent inadvertent overdrafts on your account. A hold on a check allows time for the paying bank to either provide the funds or a reason for not paying the funds. A hold can be placed on an account for a few different reasons. A check amount is larger than your average balance and not a normal deposit amount. The check is coming from a different state or the payor is not recognizable in our trade area. The check has indicators the check may not be paid. We do this to protect your account from a negative balance.
Online Banking (iBanking)
  • Check balances, deposit checks, transfer funds, pay bills, receive alerts, and more
Mobile App
Electronic Statements
  • View checking, savings, and Money Market statements via iBanking or our mobile app
24-Hour Automated Answer Line
  • 24-hour telephone banking service allows you to check balances, transfer money, and more by calling 507-534-9281
If you have any questions regarding your account or a hold, please contact us at:
Plainview: 507-534-3131
Rochester: 507-289-9000
Toll-free: 1-800-443-8605

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