A bill to limit the number of days a depository institution may restrict the availability of funds which are deposited by check or any other similar instrument.

Entitles an individual to withdraw funds deposited by check or other similar instrument in such individual's account at a depository institution: (1) not later than one business day after deposit, if such deposit was a check or other similar instrument issued by the Federal Government or any State or local government; and (2) not later than four business days after deposit, if it was a check or other similar instrument issued by anyone other than the Federal Government or any State or local government.