A check typically takes about 1 to 2 business days to clear after you deposit it in your bank account. Generally, banks are required to make the first $200–$225 of the check available by the next business day, with the remaining funds available by the second business day
. Factors affecting the clearing time include:
- The amount of the check (larger amounts may have longer hold times).
- Your relationship with the bank and how long your account has been open.
- Whether the check is from a government, cashier’s check, or drawn on the same bank , which often clear faster (sometimes within one business day).
- The method of deposit (in person, ATM, or mobile app).
- If the check is from a foreign bank or an unusual deposit, it may take longer to clear.
- Banks may extend holds up to 5 business days for large checks (over $5,525), new accounts, or suspicious activity
For example, if you deposit a $1,000 check on a Thursday, $200 might be available on Friday, and the remaining $800 by Monday
. In the UK, cheques paid in on a banking day usually clear by the next banking day under the Image Clearing System, but it can take longer if deposited after cutoff times or via agents like the Post Office
. In summary, while most checks clear within two business days, specific circumstances and bank policies can extend this period. Always check with your bank for their exact hold times and policies to avoid overdraft fees or bounced checks.
