How Long Does It Take for a Check to Deposit/Clear? Answers by Bank

When a check clears, it means that the money has been transferred from the account where it originated into your own account. The amount of time it takes for a check to clear depends largely on how long it takes for the banks to communicate, verify that the original account has the necessary funds, and process the transfer into your own account where you’ve deposited the check.

It’s important to note that different banks may use the term “clear” somewhat differently. Generally, if a bank employee tells you that a check has cleared, it means the funds are available for you to withdraw, even if they haven’t technically been debited from the originating account. For the purposes of this post, we’ll define a check as “cleared” when the funds are available for you to withdraw as cash or use with a debit card.

In most cases, a check will clear in two business days or less. Many banks will allow you to access up to $200 immediately when you deposit a check, as long as your account is in good standing. After the check has cleared, the full amount will be available for withdrawal. See below for more about exact bank policies.

What Is a Business Day?

Most (if not all) of the policies regarding check holds are based on a “business day.” Business days are almost universally defined as every day except Saturday, Sunday, and federal holidays. However, the cutoff time for the business day may vary from one bank to another, or even among different branches or ATMs for the same bank. In some cases, the cutoff time may be as early as 2 p.m. at branch locations — sometimes even earlier for ATMs.

Perhaps your bank typically makes funds available the same business day that a check is deposited. If you go into a branch of your bank to deposit a check at 3 p.m., but its cutoff time is 2 p.m., your check won’t be processed until the following day. The deposit date will be postponed until the next business day, and so will your funds. If a bank has specified the cutoff time for branches or ATMs,¬†we’ve included it in the list.

Also, it’s important to note that nearly every bank’s policies include a “longer delays may apply” section. Essentially, the bank can decide to place a longer hold on your check than the standard policy. This can be due to a number of factors, such as if your account is new or you have repeated overdraft activity. Banks can impose these additional holds at their discretion. In most cases, you can expect to be informed right away if an additional hold will be placed on your check deposit. A bank teller will often be able to tell you when the full funds will become available if the hold period falls outside the normal range.

Wait Times by Bank

The table below lists the typical time it takes for a deposited check to clear at more than 50 of the most common banks and credit unions. Keep in mind that the average check-clearing time may vary for large deposits, or if there are any issues with processing that particular check. Wherever possible, we’ve linked to the most relevant page on the bank’s website. If the check clearing times were not disclosed online, we contacted customer service.

Bank/Credit Union Check Clearing/Deposit Time
Alaska USA Credit Union Same business day; $200 the first day if a hold is placed (two days for the remainder)
Alliant Credit Union Same business day (cutoff times as early as 2 p.m.)
Ally Bank $200 the next business day; second day for the remainder
America First Credit Union Next business day
American Savings Bank Same day for deposits before 4 p.m.; next business day otherwise
Bank of America Same day for deposits before 8 p.m.
Bank of the West Next business day
BB&T Same day for deposits made on a business day; next business day otherwise
Capital One Next business day (cutoff times as early as 2 p.m.)
Charles Schwab Same day for in-branch deposits
Citibank Typically the next business day
Citizens Bank Next business day
City National Corp Next business day
Discover Bank Next business day for the first $200; second business day for the remainder
ESL Federal Credit Union Next business day for the first $200
E*Trade Fourth business day
Fifth Third Bank First $100 available immediately; next business day for the remainder
FirstMerit Bank Next business day for the first $200; second business day for the remainder
First Technology Credit Union Typically the same business day
Golden 1 Credit Union Typically the same business day
Happy State Bank Varies
HSBC Next business day for the first $200; second business day for the remainder
Hudson Valley Credit Union Same day for the first $200; second business day for the remainder
Huntington Bank Next business day
JPMorgan Chase Next business day
KeyBank Next business day
Mountain America Credit Union Same business day; $200 the first day if a hold is placed (two days for the remainder)
M&T Bank Varies
Navy Federal Credit Union Same day for the first $200; next business day for the remainder
PenFed Credit Union Immediately for most checks; $200 available immediately for checks with a hold (second business day for the remainder)
PNC Bank First $100 available immediately; second business day for the remainder
Randolph-Brooks Credit Union Typically the same business day
Regions Financial Next business day
San Diego County Credit Union Same business day (next day if there is a hold)
Santander Bank Next business day for the first $200; second business day for the remainder
SchoolsFirst Credit Union Typically the same business day
Security Service Federal Credit Union Next business day
Star One Credit Union Next business day for first $200 (remainder is typically available at the same time)
State Employees Credit Union Typically the same business day (cutoff times as early as noon to 5:30 p.m.)
State Street Bank Not disclosed
Suncoast Credit Union Immediately (same business day for the first $200 if a hold is placed)
SunTrust Bank Next business day (cutoff times as early as 2 p.m.)
Synovus Financial Corp Next business day
TD Bank Next business day
Union Bank Next business day (cutoff times as early as 1 p.m.)
United Nations Federal Credit Union Same business day for the first $200; second business day for the remainder
U.S. Bank Immediately for the first $200; next business day for the remainder (cutoff times as early as 2 p.m.)
Vystar Credit Union Typically the same business day
Wells Fargo Typically the same businses day; next business day for the first $200 if a hold is palced
Wings Credit Union Immediately for the first $100; second business day for the remainder
Zion's First National Bank Next business day

You can see our related articles for more information on ATM withdrawal limits and the direct deposit times at all major banks.

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