Expedited Funds Availability Act (1987), when a consumer makes a deposit this should be available to them, and the institutions are to reveal policies for the funds to be available to consumers. Many consumers prefer their money should be available without delay. In addition, Chevy Chase Bank allows the customers money to be available to them as soon as they make the deposit into the account.  However, Wachovia Banks, allow their customers to make deposit, but if a check or cash deposit is made after 3pm on Friday. The money for the account is not available until Monday morning at midnight. This can be an inconvenience to consumers if they need the money right away. Future changes Wachovia could make are extending the hours to a deposit to clear, so the money is available to consumer.

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