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  Home >> Checks/Money Orders >> Checks You Received  
Check Clearing Delays

How many days does it take to clear a check?


If you are asking about how many days it will take for you to access the funds from a check if you deposit it to your checking account, please take a look at this earlier Q&A on check holds. There are many other pages dealing with this question on our Checks You Received page.

If you are wondering about how long it actually takes for a check to make the journey from the bank in which it is deposited to the bank on which it is drawn, that's a different matter. That trip can be as short as no time at all, assuming the check is deposited in the bank on which it is drawn, or as long as several working days, if the check has to physically travel from, say, coast to coast and one or both banks are in remote areas.

Checks can be routed electronically, which theoretically can get them to the paying bank on the same day they are deposited thousands of miles away; they can also be transported in their original paper form, which can take several days. However, the time in which the bank of deposit has to make the funds from these checks available for your use is regulated by law, as indicated in that Q&A above.

Published on BankingQuestions.com 7/23/08