Reply from Grasshopper BankJan 9, 2026
Hi Paul,
Thank you for taking the time to share your feedback. We understand how frustrating it can be when expectations around account upgrades and funds availability do not immediately align, and we appreciate you bringing this to our attention.
We can confirm that your account upgrade was successfully applied, and you will benefit from expedited funds availability for eligible transactions. However, as a federally regulated bank, we conduct ongoing security and risk reviews on deposits. And certain deposit types, such as check deposits, are subject to manual review and may follow different funds availability timelines. While recent enhancements improve availability for certain transaction types, check deposits will continue to be evaluated on a case-by-case basis in accordance with our security protocols and regulatory standards.
We recognize that this distinction could have been communicated more clearly and sincerely apologize for the confusion. It’s great to hear that our Client Services team was able to clarify the details and correct the misunderstanding, and we appreciate your patience throughout that process. Your feedback has been shared internally to help refine our processes and how polices—and any changes to them— are communicated moving forward. In the meantime, we are actively working on solutions to improve funds availability for check deposits in a way that is safe, secure, and reliable for our clients.
If you have any additional questions about your account upgrade, our funds availability policy, or need further support, do not hesitate to reach out. Our Client Services team is always here to help.
Only Forward,
Grasshopper Bank