You’ve probably heard the expression plenty of times: “The check hasn’t cleared yet.” But what exactly does it mean for a check to clear, and where is your money in the meantime? How long does it take a check to deposit? How long does it take for check to clear? When you deposit a check, when are the funds available? In this article, we’ll address all of the questions you may have about when you can expect to see your money after you deposit a check.

What’s Covered in This Article:

  • What does it mean for a check to “clear”?

  • What is a business day?

  • What happens when a bank places an additional hold on a check

  • How long it takes a check to clear at 50 top banks/credit unions

What Does It Mean When a Check Clears?

When a check clears, it essentially 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 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.

What Is a “Business Day”?

You’ll notice that 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 PM at branch locations — sometimes even earlier for ATMs.

Let’s say that 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 PM, but their cutoff time is 2 PM, 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.

Longer Delays May Apply

What we’ve listed here are the general policies for each bank. However, it’s important to note that nearly every one of these policies also includes 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 a newly-opened account or repeated overdraft activity. The banks can more or less 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.

How Long Does It Take for a Check to Deposit, Clear? 50 Top Banks/Credit Unions Listed

We’ve provided a list of the typical time it takes for a check deposited at 50 of the most common banks and credit unions to clear, as well as the daily withdrawal limit for ATMs at that bank. (See our article for additional information on ATM withdrawal limits.) Keep in mind that the average check-clearing time may vary for large deposits, or if there are any hangups or peculiarities about processing that particular check. We’ve provided a link to where we found this information on the bank’s website, so you can investigate further if you have more questions.

Alaska USA Credit Union

  • Daily ATM withdrawal limit of Alaska USA Credit Union$505
  • To up the limit: Contact customer service
  • Contact: 907-563-4567 or 800-525-9094
  • How long it takes a check to clear: Funds are typically available on the same business day as the deposit. If a hold is placed on the check, the first $200 will become available on the first business day after the deposit. The remainder may be held for up to two additional business days. See Alaska USA’s Share Account Disclosure Statement for more information.

Alliant Credit Union

  • Daily ATM withdrawal limit of Alliant Credit Union: If you’re a member with a ChexSystems record, your withdrawal limit is $200 per day. The limit for regular ATM cards is $500 and $1,000 for debit cards.
  • To up the limit: Contact customer service
  • Contact: 1-800-232-8669
  • How long it takes a check to clear: Funds will typically be available on the same business day that the deposit is made (cutoff time may be as early as 2 PM). See Alliant’s Disclosures page for more information.

Ally Financial

  • Daily ATM withdrawal limit of Ally Financial$1,000
  • To up the limit: Contact customer service
  • Contact: 1-877-247-2559
  • How long it takes a check to clear: $200 available the next business day after the deposit; remaining funds available the second business day (up to $24,800). See Ally Financial’s Help Center page for more information.

America First Credit Union

  • Daily ATM withdrawal limit of America First Credit Union$500
  • To up the limit: Contact customer service
  • Contact: 1-800-999-3961
  • How long it takes a check to clear: Funds will typically be available one full business day after the deposit. See America First’s help search page for more information

American Savings Bank

  • Daily ATM withdrawal limit of American Savings Bank$1,000, with a $300 maximum per transaction
  • To up the limit: You can change your withdrawal limit at the ATM directly. After you enter your PIN, select My Preferences.
  • Contact: 1-800-272-2566
  • How long it takes a check to clear: Checks made before 4 PM will be deposited that day; deposits after 4 PM will be processed the following business day. Funds availability varies by account type.

Bank of America

  • Daily ATM withdrawal limit of Bank of America: A maximum of forty bills can be withdrawn per day. This could vary depending on the type of account you have.
  • To up the limit: Sign in to online banking and go to the Information and Services Tab. From there, you can activate your card and set spending limits. Or you can visit a financial center and get the help of a bank teller.
  • Contact: 1-800-432-1000
  • How long it takes a check to clear: With some exceptions, checks deposited on a business day by 8 PM will post on the same day except as noted on the face of the ATM.

Bank of the West

  • Daily ATM withdrawal limit of Bank of the West: Limit varies by account
  • To up the limit: Upgrade your checking account to a West Premier Checking Account
  • Contact: 1-800-488-2265
  • How long it takes a check to clear: Funds will be available on the first business day after the business day that the deposit is made. (See Bank of the West’s Deposit Account Disclosure — here is a downloadable PDF)

BB&T Bank

  • Daily ATM withdrawal limit of BB&T Bank$500 or your available balance, whichever is less
  • To up the limit: Contact customer service
  • Contact: 1-800-226-5228
  • How long it takes a check to clear: If the deposit is made on a business day, funds will be made available the same day. If not, the funds will be available on the following business day.

Capital One

  • Daily ATM withdrawal limit of Capital One: Limit varies by account
  • To up the limit: Contact customer service
  • Contact: 1-888-810-4013
  • How long it takes a check to clear: Typically funds are available the first business day after the the deposit is made (the cutoff for the business day may be as early as 2 PM local time). See Capital One’s Rules Governing Deposit Accounts’ page for more information.

Charles Schwab

  • Daily ATM withdrawal limit of Charles Schwab: Limit varies by account
  • To up the limit: Contact customer service
  • Contact: 1-866-855-9102
  • How long it takes a check to clear: Funds deposited in-branch are typically available the same day.

Citigroup Inc.

  • Daily ATM withdrawal limit of Citigroup Inc.: Limits vary by account
  • To up the limit: Contact customer service
  • Contact: 1-800-374-9700
  • How long it takes a check to clear: For Citigold members, check deposits are typically available no later than the business day after the business day of the deposit. Other accounts may vary.

Citizens Bank

  • Daily ATM withdrawal limit of Citizens Bank: Limits vary by account
  • To up the limit: Contact customer service
  • Contact: 1-800-922-9999
  • How long it takes a check to clear: Funds from a non-Citizens Bank check are available the next business day after the deposit (cutoff time is 10 PM for ATM deposits). See the Citizens Bank checking account page for more information.

City National Corp

  • Daily ATM withdrawal limit of City National Corp: $400
  • To up the limit: Contact customer service
  • Contact: 1-800-773-7100
  • How long it takes a check to clear: Funds are available on the first business day after the deposit is made (information sourced by calling City National Corp’s corporate customer support).

Discover Bank

  • Daily ATM withdrawal limit of Discover Bank$510
  • To up the limit: Contact customer service
  • Contact: 1-800-347-7000
  • How long it takes a check to clear: First $200 is available no later than the first business day after deposit; the remainder will be available the second business day after deposit. See Discover Bank’s National Deposit Account Agreement for more information.

ESL Federal Credit Union

  • Daily ATM withdrawal limit of ESL Federal Credit Union$600
  • To up the limit: According to ESL customer service, the ATM withdrawal limit is hard-coded and cannot be increased.
  • Contact: 585-336-1000
  • How long it takes a check to clear: Varies based on banking history. At minimum, the first $200 is typically available on the business day of the deposit. When making a deposit, customers will be informed when the full funds will become available. See ESL’s Funds Availability Policy for more information.

E*Trade

  • Daily ATM withdrawal limit of E*Trade$1,000
  • To up the limit: Upgrade your account or purchase a different type of card
  • Contact: 1-800-387-2331
  • How long it takes a check to clear: Full funds will be available on the fourth business day after the day of deposit. See E*Trade’s FAQs page for more information.

Fifth Third Bank

  • Daily ATM withdrawal limit of Fifth Third Bank: Limit varies by account
  • To up the limit: Contact customer service
  • Contact: 1-800-972-3030
  • How long it takes a check to clear: First $100 available immediately; the remainder will be available the following business day. See Fifth Third’s Checking Disclosures document for more information.

FirstMerit Bank

  • Daily ATM withdrawal limit of FirstMerit Bank$400, or varying by account type
  • To up the limit: Contact customer service
  • Contact: 1-888-554-4362
  • How long it takes a check to clear: First $200 available the same business day as deposit; the remainder will be available the following business day. See FirstMerit’s Funds Availability Policy for more information.

First Technology Credit Union

  • Daily ATM withdrawal limit of First Technology Credit Union: $500
  • To up the limit: Limit increases can be requested for a period of 24 hours. Contact customer service or your local branch.
  • Contact: 1-855-855-8805
  • How long it takes a check to clear: Funds are typically available the same business day as the deposit. If there will be a longer hold on the funds, customers will be notified at the time of the deposit. See First Technology’s Funds Availability Policy Disclosure for more information.

The Golden 1 Credit Union

  • Daily ATM withdrawal limit of The Golden 1 Credit Union$250. Through New Generation Checking, there is a $40 limit for members age 13-15 and $100 limit for members age 16-17.
  • To up the limit: Contact customer service or upgrade your account.
  • Contact: 1-877-465-3361
  • How long it takes a check to clear: Funds are typically made available the same day as the deposit. See The Golden 1’s Disclosure of Account Information document for more information.

Happy State Bank

  • Daily ATM withdrawal limit of Happy State Bank$500
  • To up the limit: Contact customer service
  • Contact: 1-806-358-5100
  • How long it takes a check to clear: Not disclosed online; contact customer service about their Funds Availability Policy for more information.

HSBC Bank

  • Daily ATM withdrawal limit of HSBC Bank: According to HSBC’s Banking Services Statement,  limits are $500 for regular customers and $1,000 for premium customers.
  • To up the limit: Contact customer service
  • Contact: 1-800-975-4722
  • How long it takes a check to clear: First $200 will be available on the first business day after deposit; remainder will be available on the second business day after deposit. See HSBC’s Addendum to Rules for Deposit Accounts for more information.

Hudson Valley Credit Union

  • Daily ATM withdrawal limit of Hudson Valley Credit Union: $500 (see the “National Network ATMs” sections at the bottom of the page)
  • To up the limit: The Hudson Valley daily ATM withdrawal limit cannot be changed. However, in the case of an emergency, exceptions may be made.
  • Contact: 1-800-468-3011
  • How long it takes a check to clear: For most checks, the first $200 will be available immediately, and the remainder will be available the second business day after the deposit. See Hudson Valley’s Disclosure and Account Agreement for more information.

Huntington Bank

  • Daily ATM withdrawal limit of Huntington Bank$400
  • To up the limit: You can request and be approved for a limit increase through customer service.
  • Contact: 1-800-480-2265
  • How long it takes a check to clear: Check deposits are typically available the next business day after the deposit. See Huntington’s Funds Availability Policy for more information.

IMB Bank

  • Daily ATM withdrawal limit of IMB Bank$1,000
  • To up the limit: Contact customer service
  • Contact: Multiple options available.
  • How long it takes a check to clear: Could take up to seven business days.. Contact customer service for additional information.

JP Morgan Chase & Co.

  • Daily ATM withdrawal limit of JP Morgan Chase & Co.: For non-customers, the limit is $1,000. For customers, the limit varies by account.
  • To up the limit: Contact customer service
  • Contact: 1-800-935-9935
  • How long it takes a check to clear: Funds are typically available the next business day after the deposit.

KeyBank

  • Daily ATM withdrawal limit of KeyBank: Limit varies by account.
  • To up the limit: Upgrade your card for increased daily limits
  • Contact: 1-800-539-2968
  • How long it takes a check to clear: The first business day after the deposit.

Mountain America Credit Union

  • Daily ATM withdrawal limit of Mountain America Credit Union$500
  • To up the limit: Fill out an increase application online
  • Contact: 1-800-748-4302
  • How long it takes a check to clear: Generally, funds will be available the same day as the deposit. If a hold is placed, $200 will be available the following business day and the remainder will be available within two business days. Customers will be informed if there is a hold on a deposited check.

M&T Bank

  • Daily ATM withdrawal limit of M&T Bank: Limit varies by account. Check your Electronic Banking Card and Telephone Transaction Disclosure and Agreement to know your daily limit and get more information.
  • To up the limit: Contact customer service
  • Contact: 1-800-724-2440
  • How long it takes a check to clear: Varies by account type. New accounts may be subject to longer holds.

Navy Federal Credit Union

  • Daily ATM withdrawal limit of Navy Federal Credit Union$600, or two transactions of $400 and $200 at $400-limit ATM’s
  • To up the limit: Contact customer service
  • Contact: 1-888-842-6328
  • How long it takes a check to clear: The first $200 will be available on or before the first business day after the deposit. The remaining amount will be available the second business day.

PenFed Credit Union

  • Daily ATM withdrawal limit of PenFed Credit Union: $1,000 per transaction, and $2,500 per day. For limited access cards, the total week withdrawal limit is $500 and the total weekend withdrawal limit is $1,000. See PenFed’s Membership Disclosures (the link will download as a PDF) document for further information
  • To up the limit: If you have a limited access ATM card, upgrade to receive higher daily limits. Otherwise, contact customer service.
  • Contact: 1-800-247-5626
  • How long it takes a check to clear: Many types of checks have no hold and the funds will be available immediately. (The link will download as a PDF.) For checks with a hold, $200 will be immediately available, and the remainder will have a two business day hold.

PNC Bank

  • Daily ATM withdrawal limit of PNC Bank$500
  • To up the limit: Upgrade your account to Performance Select to have a $1000 ATM withdrawal limit.
  • Contact: 1-888-762-2265
  • How long it takes a check to clear: First $100 is available the same business day as the deposit; the remainder is available on the second business day after the deposit.

Randolph-Brooks Credit Union

  • Daily ATM withdrawal limit of Randolph-Brooks Credit Union$500
  • To up the limit: Contact customer service
  • Contact: 210-945-3300
  • How long it takes a check to clear: Funds are typically available the same business day as the deposit.

Regions Financial

  • Daily ATM withdrawal limit of Regions Financial$800
  • To up the limit: Contact customer service
  • Contact: 1-800-734-4667
  • How long it takes a check to clear: Funds are typically available on the first business day after the day the deposit is made.

San Diego County Credit Union

  • Daily ATM withdrawal limit of San Diego County Credit Union: $300-$1,000 depending on account type.
  • To up the limit: Contact customer service
  • Contact: 1-877-732-2848
  • How long it takes a check to clear: In most cases, funds will be available the same business day as the deposit. If a hold is placed, the funds will be available by the second business day after the deposit.

Santander Bank

  • Daily ATM withdrawal limit of Santander Bank$400-$2,500 depending on card type
  • To up the limit: Contact customer service
  • Contact: 1-877-768-2265
  • How long it takes a check to clear: First $200 is available on the first business day after the deposit is made; the remainder will be available no later than the second business day after the deposit.

SchoolsFirst Credit Union

  • Daily ATM withdrawal limit of SchoolsFirst Credit Union: Varies by account type
  • To up the limit: Contact customer service.
  • Contact: 1-800-462-8328 or 714-258-4000
  • How long it takes a check to clear: Generally, funds will be available the same business day as the deposit.

Security Service Federal Credit Union

  • Daily ATM withdrawal limit of Security Service Federal Credit UnionLimit varies by location and branch. Find your nearest SSFCU branch.
  • To up the limit: Contact customer service or visit a different branch
  • Contact: 801-227-3614
  • How long it takes a check to clear: Funds will typically be available on the first business day after the deposit is made.

Star One Credit Union

  • Daily ATM withdrawal limit of Star One Credit Union$500
  • To up the limit: Contact customer service
  • Contact: 1-866-543-5202 or 408-543-5202
  • How long it takes a check to clear: First $200 will be available on the first business day after the deposit. If the full funds will not be available on the first business day, customers will be notified at the time of deposit when the rest of their funds will become available.

State Employees Credit Union

  • Daily ATM withdrawal limit of State Employees Credit Union$500
  • To up the limit: Contact customer service
  • Contact: 1-888-732-8562 or 919-857-2150
  • How long it takes a check to clear: Funds will typically be available on the same business day as the deposit (cutoff for the business day is 5:30 PM at branch locations and may be as early as noon at ATMs).

State Street Bank

  • Daily ATM withdrawal limit of State Street BankLimit varies by account. Your limit will be disclosed in your acceptance letter, or you can call customer service to retrieve it.
  • To up the limit: Contact customer service
  • Contact: 217-223-6480
  • How long it takes a check to clear: Not disclosed online. Contact customer service about their funds availability policy for further information.

Suncoast Credit Union

  • Daily ATM withdrawal limit of Suncoast Credit Union$220 for the first six months after opening an account. After that, the limit is $420
  • To up the limit: Contact customer service
  • Contact: 813-621-7511
  • How long it takes a check to clear: Funds will typically be available immediately. If a hold is placed on the check, the first $200 will be available on the same business day as the deposit.

SunTrust Bank

  • Daily ATM withdrawal limit of SunTrust Bank: The limits ranged depending on the card type: $500 for the Classic Check Card, $1,000 for the Gold Check Card, and $2,500 for the World Check Card.
  • To up the limit: Log into online banking to manually adjust the withdrawal limit.
  • Contact:1-800-786-8787
  • How long it takes a check to clear: Funds are typically available on the next business day after the deposit (cutoff for the business day may be as early as 2 PM at some branch locations).

Synovus Financial Corp

  • Daily ATM withdrawal limit of Synovus Financial Corp$505
  • To up the limit: Request an increase through customer service or upgrade your account
  • Contact: 1-888-796-6887
  • How long it takes a check to clear: Funds are typically available on the next business day after the day of the deposit.

TD Bank

  • Daily ATM withdrawal limit of TD Bank: For ATM and debit cards, the withdrawal maximum is $750. For private client cards, the maximum is $1,000.
  • To up the limit: Contact customer service or fax a written request.
  • Contact: 1-888-751-9000
  • How long it takes a check to clear: Funds are typically available no later than the first business day after the day of the deposit.

Union Bank

  • Daily ATM withdrawal limit of Union Bank$500, or your total available balance, whichever is less
  • To up the limit: Upgrade your account to Signature Banking, Priority Banking, or Private Advantage to increase your limit.
  • Contact: 1-800-238-4486
  • How long it takes a check to clear: Funds will typically be available on the first business day after the business day of the deposit (cutoff for the business day may be as early as 1 PM at some ATMs).

United Nations Federal Credit Union

  • Daily ATM withdrawal limit of United Nations Federal Credit Union$500
  • To up the limit: Contact customer service
  • Contact: 1-800-891-2471
  • How long it takes a check to clear: The first $200 will be available on the same business day and the remainder will be available on the second business day after the day of deposit. See UNFCU’s Membership Disclosures document (link will download as PDF) for more information.

U.S. Bank

  • Daily ATM withdrawal limit of U.S. Bank: Limits will vary by card and account
  • To up the limit: To view or change your withdrawal limit, log in to online banking and view your debit card in My Account
  • Contact: 1-800-872-2657
  • How long it takes a check to clear: First $200 is generally available immediately. The remainder is available no later than the first business day after the day of deposit (cutoff for the business day may be as early as 2 PM).

Vystar Credit Union

  • Daily ATM withdrawal limit of Vystar Credit Union: Ranges from $120-$2,010. See this list of all the ATM withdrawal limits for the different types of Vystar cards.
  • To up the limit: Contact customer service
  • Contact: 1-800-445-6289
  • How long it takes a check to clear:  Funds are typically available on the same business day as the deposit, depending on the type of check. The first $200 is almost always available on the day of deposit.

Wells Fargo

  • Daily ATM withdrawal limit of Wells Fargo: The limit varies by account and can be found by logging into online banking or by checking the materials that came with your debit card.
  • To up the limit: Talk to your local banker, or sign into online banking and select Account Services. From there, click on Account Information and select Account Profile. Highlight your card in the drop-down menu and click Go to verify and set daily spending limits.
  • Contact: 1-800-869-3557
  • How long it takes a check to clear: In most cases, the funds will be available on the same business day as the deposit. If a hold is placed on the check, the first $200 will be made available the following business day. In case of a hold, the customer will be notified at the time of the deposit when the full funds will become available.

Wings Credit Union

  • Daily ATM withdrawal limit of Wings Credit UnionLimit varies by account. You can withdraw up to your limit or to your available account balance, whichever is less.
  • To up the limit: Contact member services or your local branch to adjust your withdrawal limit.
  • Contact: 1-800-692-2274
  • How long it takes a check to clear: First $100 will be available immediately; the remainder will typically be available on the second business day after the deposit.

Zion’s First National Bank

  • Daily ATM withdrawal limit of Zion’s First National Bank: Limit varies by account.
  • To up the limit: Upgrade your card or contact customer service.
  • Contact: 801-370-4100
  • How long it takes a check to clear: Funds will typically be available on the first business day after the deposit.

How Long Does It Take for Check to Clear? Conclusion

As you can see, the rules surrounding when a check will clear can vary quite a bit from one bank to another. This can be critical information if you need to use the funds from a check to cover rent, a car payment, or another important time-sensitive bill. Hopefully, this post has armed you with the knowledge to visit your local ATM or bank knowing exactly when you’ll see the money in your account.