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  1. Whether it is a weekly salary, a heap of cash that you have earned through one-sided salary, or birthday money, it feels great to deposit money in your bank account. But if you need some quick cash, you might be thinking, if there is a cash app direct deposit pending, can I use the money? Every deposit must be verified and authorized before it is available for use. Therefore, when a deposit is pending, you cannot use any money. Does it become accessible only when a cash app pending deposit is approved and added to your 'available cash app balance? Let's be honest, something is amazing about depositing money in your bank account. But, before you try to spend your next deposit, make sure to convert it from 'pending' to 'available' in sufficient time. Otherwise, you run the risk of overriding your account. For the rest of this post, we will explore how cash app direct deposits work behind the scenes. Additionally, we will answer some other personal banking questions. What is a cash app 0pending deposit? When you deposit money into your checking or savings account, the money will appear as 'pending' until the amount is verified and added to your available balance. Essentially, a pending deposit is money that has been deposited, but is not yet authorized for your use. The reason banks show pending cash app deposit is because you know that the actual deposit is processing. This tells you that the bank is working on verifying the funds and they will be available soon. Additionally, every deposit you make, including mobile deposits, in-person deposits and cash app direct deposit will go through the authorization process and initially appear as 'pending'. This verification process protects the bank from giving you access to money that does not exist. How do I know if I have a deposit? Typically, when you enter your bank account, there will be a line-item that shows any pending deposits. Just make sure that you do not mistake your pending cash app deposit for your available cash app balance. How long does it take to post a cash app pending deposit? In general, you can expect your cash app pending deposit within 2 days. There are rules (sources), when the bank can hold its hold on a deposit, ensuring you access to your money promptly. However, there are some exceptions. For example, the bank can hold on to funds that raise suspicion of any kind. Therefore, if you deposit an unusually large amount, or make a series of deposits outside of your normal behavior, the bank may keep a hold on the deposit for further investigation. That said, a hold placed on a deposit will only extend the length of time that they take, in the process of maximizing, a few days. Worst case, you can expect to receive a cash app pending deposit within 9 working days of the original deposit (source), but this would be a very rare circumstance. Rest assured, banks cannot put an indefinite moratorium on your cash app deposits.