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Which banks have early deposits?

TFI and NHB acronyms are now in our Lingo List to help people understand the difference and why some people see deposits earlier than what it says on WMR.

TFI: Traditional Financial Institution
NHB: No Hold Bank If you are using a TFI for DD and updated with a DDD on WMR today, you will likely have your DD avail on that day.

If you are using a NHB, soon after your transcript updates with the 846 code, you will see your DD (sometimes available in the evening on the following day). Examples of a NHB would be people using Netspend, Bluebird, AMEX serve cards for their DD. Another variation of a NHB are some credit unions. These show you a pending DD fairly quickly after their 846, but make the DD available on the DDD shown on the WMR.


Examples of NHB’s are Netspend, Walmart Money Card, some credit unions.

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