A check typically takes about one to two business days to clear after being deposited, though this can vary based on several factors such as the check amount, the bank's policies, and the type of check
Key details on check clearing times:
- Banks are generally required to make the first $200–$225 of a check deposit available by the next business day.
- The remaining amount usually becomes available within two business days.
- Some checks, like government checks, cashier’s checks, or checks drawn on the same bank where the deposit is made, may clear faster-often within one business day
- Larger checks (over $5,525) or unusual deposits may be subject to longer hold times, sometimes up to five business days.
- New accounts or checks from unfamiliar payers might also experience extended clearing times
What does "clearing" mean?
When a check clears, the funds have been verified and transferred from the payer’s bank to the payee’s bank, making the money available for use
Additional notes:
- Weekends and bank holidays are not counted as business days, so deposits made on these days will be processed starting the next business day.
- Some banks may place extended holds if they suspect fraud or if the deposited check is unusually large
- The entire check processing cycle, including clearing and settlement through the Federal Reserve, can take from two to five business days, but funds are typically available sooner under normal circumstances
In summary, expect most checks to clear within 1 to 2 business days , with the first $200–$225 available the next day and the rest shortly after, unless special circumstances apply.
