How Long Does It Take For A Check To Clear (And Why)?

How Long Does It Take For A Check To Clear (And Why)?

Exact Answer: 2- 5 business days

In general, it takes about two business days for a deposited check to clear. But sometimes it takes a little longer than usual about four to five business days for the banks to receive the funds. So, the withdrawal of the check highly depends upon the amount of the check.

If the required amount is available in the bank, there are chances that it might clear in just one business day. But if the required funds are not available in the bank then it might take five to ten days for clearing the deposed check. The hold time depends upon the nature of the check. Go for small amount checks to clear them quickly.


How Long Does It Take For A Check To Clear?

The clearance of the check does not just mean that the required amount of money should be available in your account or appears on the receipt. The federal law requires your bank to make the check amount money available to you.

It means to ensure that whether the money has arrived from the other bank or not. It takes 2-3 business days to know either the check clears or bounces. Direct deposit is one of the easiest and effective ways to receive funds. It makes your funds available very quickly.

Direct deposit transfers your money from one bank account to another directly without any delay. In this case, the bank does not require any verification of the incoming funds. When you deposit your first amount, the same day your money will be available to you.

The Large Amount Deposit check takes much time to clear. It takes 3- 10 days to clear and receive the funds. That is why large deposits take a longer hold time to clear. But it does not mean that it will not clear soon. It takes this time but there are chances that it can get clearance early too.

When a person deposits his/her check at an ATM or in the bank, the person will get a receipt that states when the funds will be available in your account. That receipt tells the specific date of receiving the funds.

Nature of the Check Clearance Time
Small Amount Deposit Check1/ 2- 3 days
Large Amount Deposit Check4- 10 days

Why Does It Take So Long For A Check To Clear?

The bank itself is one of the factors which decides how long does it take a check to clear. Every bank has its protocols. It includes the time for the deposit of the check and its availability for use. The norms of the bank vary from bank to bank.

The bank should ensure that the required funds are available in the payer’s account first. To know about these policies, visit your bank and ask the manager to elaborate on all the information regarding it.

The payer needs to have sufficient funds available to clear the check. It is the responsibility of the payee to make sure that the check is good for the amount. If the check is insufficient and the check depositors account is not competent to cover the amount.

In this situation, the bank has all the rights to reverse the funds. If the depositor is equated with the bank for many years and has good relations. The bank can manage to clear your check in the shorter time possible. Here, a firm and trustworthy customer of the bank can enjoy the speedy process services.


Due to the rise in electronic banking, the use of a check is becoming frequently less. It takes more time to clear a check. A person has to visit a bank then apply for the funds. On the contrary in electronic banking, you just have to use your phone or laptop to transfer money from one account to another.

But there are still so many industries where checks are used to do payments. Every bank has its protocols regarding the type of account including the policies for checks and its deposits. In general, the small amount checks are easily cleared within 1-2 days. Large amount deposits take little more time as compared to small amount deposits.


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Hi! I'm Nidhi.

Here at the EHL, it's all about delicious, easy recipes for casual entertaining. So come and join me at the beach, relax and enjoy the food.

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