It typically takes about one to two business days for a check to clear and the funds to become available in your bank account
. Specifically:
- Banks are generally required by law to make the first $225 available by the next business day after deposit
- The remaining amount of the check is usually available within two business days
- If you deposit a check on a weekend or holiday, the deposit is considered made on the next business day, which affects when funds become available
Factors that can affect the timing include:
- Check amount : Larger checks (over $5,525) may have extended holds on the amount exceeding that limit, sometimes up to five business days
- Deposit method : Deposits made in person at a bank branch often clear faster than those made via ATM or mobile app, which may require additional verification
- Account status : New accounts or accounts with a history of overdrafts may experience longer hold times
- Check type : Government, certified, cashier’s checks, or checks drawn from the same bank often clear faster, sometimes within one business day
- Bank policies : Each bank or credit union has its own hold policies, so exact timing can vary
In summary, under normal circumstances, expect funds from a check deposit to be available within 1-2 business days, with the first $225 accessible the next business day and the rest shortly after, but be aware of exceptions that may extend this timeline.
