Cash apps have become a popular way to move money from one account to another. But just like any other online financial transaction, there are scammers and fraudsters working to take your money. In order to protect our members and the Credit Union from fraudulent activity, when using a cash app, the funds may not be immediately available to you. The day of the deposit, $200 will be made available to you, however, the remaining funds may not be available for 1-3 business days. This availability is the same for ATM deposits.