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.