Qualifying Electronic Deposits

A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, or other income, that has posted to your account and is (1) a direct deposit made through the Automated Clearing House (ACH) network, (2) an instant payment processed through the RTP^® network (real-time payment system) or FedNow^SM Service, or (3) an electronic credit from a third party service that facilitates payments to your debit card using the Visa^® or Mastercard^® network (e.g. an Original Credit Transaction). Transfers from one account to another, mobile deposits, Zelle^®, or deposits made at a branch or ATM are not considered a qualifying electronic deposit.