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Check Clearing Time

If I physically deposit a check at 9am on a Monday, how soon are the funds deposited into my account and available for withdrawal? The check is from out of state.


Although there are regulations limiting the duration of any hold your bank may place on deposited checks, those limits vary based on the location of the banks ("out-of-state" isn't enough to determine which limits apply). Furthermore, banks establish their own policies on funds availability within the limits imposed, so your bank might make funds available sooner.

If you want to know when you can access the funds, ask your bank. They are the only people with the correct answer.

Published on BankingQuestions.com 9/08/08