Is it standard practice for a bank to hold an out-of-state cashier's check, and if so, how long a time period would they hold it before honoring it?
Standard practice unless a bank is unsure of the validity of a cashier's check is to either provide full access to the funds on the business day following the day of deposit, or to make the first $5,000 of the check available on that first business day, and holding the balance for up to 11 business days (two calendar weeks plus a day).
Non-standard practice would be to place an exception hold on the entire deposited check amount, based on a reasonable doubt that the check will be collected. That hold could be for 11 business days.
Some banks have misunderstood their ability to place a "reasonable doubt" hold and have done so without appropriate justification. If any hold is placed beyond the first business day following the day of deposit, you should get a notice detailing the amount held, the reason, and the reason for the bank's "reasonable doubt" if that is reported, and the time when the funds will be accessible.
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Standard practice unless a bank is unsure of the validity of a cashier's check is to either provide full access to the funds on the business day following the day of 