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Principal Bank Funds Availability

ATM Funds Availability

Cut off time for ATM deposits to be credited to your account on the current business day is 6 PM (Central time). Any deposit made after that time will be credited to the account on the next business day. The first $200 of the deposit is added to the current available balance. Only $200 will be immediately available per account per day, regardless of the number of deposits made. That amount is available for use in debit card purchases and for withdrawal from an ATM. Deposited amounts totaling less than $200 will be immediately available in their entirety. The available amount of the deposit will also be immediately available online.

ATM Deposits - example of availability of deposited dollars:

In-Person Funds Availability

If you make a non-ATM deposit in person before 4:00 PM (Central Time) at Principal Bank (where available), we will consider that day to be the day of your deposit.

Federal Holidays

The Federal government observes the holidays shown below, and therefore no banking transactions will be processed by the Federal Reserve on these days. You can, however, request transactions (BillPay, transfers, ATM deposits) on these days, and they will then be processed on the next Federal business day. Remember: transactions are always available to be viewed the day following processing. For example, if you make a deposit on a Monday holiday, the transaction will be processed on Tuesday and can be viewed on your account on Wednesday.

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Principal Bank is open these days, although transactions will not be processed until the following day.