How Long Does It Take for a Check to Deposit?
Most checks are available within a few business days, but the exact timing depends on the type of check, your bank’s policies, and federal rules. Here’s what typically happens after you deposit a check and what can affect how soon you can use the money.
Generally, federal regulations and bank policies guide how quickly checks can clear. Most checks typically clear within two business days, but your bank may make some of the funds available sooner.
The type of check deposited impacts how soon funds become available, with in-branch or mobile deposits offering some of the fastest clearing times.
You can take steps to get your money more quickly, such as maintaining good account health and bringing large deposits to the bank in person.
Typical check deposit timelines
Standard availability window:
Federal regulations stipulate minimum availability for funds deposited. As of February 2026, up to $275 should be available in one business day. For deposits over $275, the rest of the money should be available two business days later for local checks and within five business days for other checks. However, these rates are also adjusted periodically for inflation.
Why timelines vary:
Deposit amounts and types have different rules, which impact how soon funds are available.
What happens after you deposit a check
- Deposit submission: You head to your bank to deposit a check.
- Bank review & verification: Your bank sends the check information through the clearing system to the bank that issued the check.
- Funds availability decision: The issuing bank confirms whether the check can be paid. If approved, funds are transferred to your bank.
- Final clearing: Your bank receives the money and credits it to your account.
How long different types of check deposits take
In-branch (teller) deposits: Depositing a check at the bank means you’ll likely be able to access the money in 1-2 business days.
ATM deposits: Deposits made through your bank’s ATM usually clear by the second business day. It could take as many as five business days if you deposit money at ATMs not run by your bank.
Mobile check deposits: Generally, mobile deposits take 1-2 business days to become available.
Check type matters
Payroll checks
Payroll checks will often fully clear in two business days or less.
Government checks
Government checks often clear faster and may qualify for next-business-day availability.
Personal checks
Personal checks will often clear in 1-2 business days.
Cashier’s checks & certified checks
Because these checks are backed by a bank, they tend to clear in about one business day.
Why banks place holds on check deposits
Fraud prevention
Fraud prevention processes are designed to alert the bank if there’s something suspicious about an account, like it was newly opened or if there have been other instances of fraud with the account.
New or large deposits
Banks may place extended hold times on a large check so they can verify that there are enough funds in the account.
Repeated overdrafts or past issues
A hold could be triggered on checks from bank accounts with repeated issues, like insufficient funds or overdraft notices.
Understanding bank hold policies
Partial availability
Federal regulations typically require banks to clear checks of up to $275 by the next day. Funds from checks over $275 are typically made available a few days later, depending on the type of check.
Extended holds
Banks have their own policies on how long to hold large checks or checks written from potentially problematic accounts. Typically, they must notify you if there’s an extended hold on a deposit and why.
Business days vs. calendar days
Business days refer to weekdays (Monday-Friday) while calendar days include weekend days (Saturday and Sunday).
How long does a check take to clear vs. deposit?
Deposit ≠ cleared
Deposited checks don’t clear until a bank has verified the deposit details.
Why this distinction matters
Deposited money may show up as “pending” in your online bank account right away, but the money is not available to spend until your bank clears it.
How to get your check deposit faster
Deposit early in the day
Banks have cutoff times for crediting deposits to that same business day. The cutoff time must be after 2 p.m. for in-branch deposits, but banks can choose later cutoff times. For example: If your bank’s cutoff time is 3 p.m. and you deposit a check at 4 p.m., they’ll process it on the next business day.
Use in-branch deposits for large checks
Large checks could trigger a hold. If your bank needs to place an extended hold on a large check, depositing it in-branch means they can communicate that with you or ask you additional questions that may help them process the check more quickly.
Maintain a healthy account history
Accounts with a history of issues like overdrafts or returned checks could trigger longer clearing delays. Avoiding those issues can help your bank process deposits more efficiently for you.
Ask about expedited funds availability
Federal rules require certain availability timelines for various deposit types and place a cap on hold times. Typically, cash and electronic deposits are made available more quickly, so you could ask for payments in those forms for faster processing, if possible.
Common reasons a check deposit is delayed
Missing endorsement:
Most checks require a valid endorsement before they can be processed.
Poor image quality (mobile deposits):
Blurry photos will often delay deposits.
Incorrect deposit amount entered:
Banks will typically need time to verify the correct amount if there’s a mismatch with the deposit information.
Suspicious or irregular activity:
If a deposit or an account looks suspicious, banks may take more time to verify its legitimacy.
What to do if your check deposit is taking too long
Check your bank’s funds availability policy:
You may want to look into your bank’s policies to understand their standard timelines for processing deposit types.
Contact customer support:
You may need to reach out to your bank if a check hasn’t cleared and it should have, according to their policies.
Avoid spending until fully cleared:
It’s best not to spend the money until you know for sure that the deposit has cleared.
Bottom line
Federal regulations and individual bank policies impact how soon a check will clear. Certain situations require longer hold times and certain types of checks may take longer than others to clear. Understanding your bank’s policies and keeping tabs on your account through online banking can be smart ways to avoid additional delays in clearing money you’ve deposited.
If you’re learning more about banking and want to build an emergency savings fund, Raisin’s Marketplace may help. Quickly compare rates and find the right savings account for your needs, all in one place.
Frequently asked questions
It’s possible that a check may clear on the same day it’s deposited, especially when it’s a cashier’s check or a government check.
There are a variety of reasons for this, including standard timelines set by federal regulations. Your bank might also need time to verify the check is not fraudulent, that there’s enough money in the account, or that the check was written correctly.
Mobile checks clear in about the same timeframe as personal checks, but they tend to take longer to clear than a cash deposit.
Generally, a deposited check won’t be reversed once it’s cleared. If it hasn’t yet cleared, the payer might be able to have their bank put a stop payment on the check if needed.
The above article is intended to provide generalized financial information designed to educate a broad segment of the public; it does not give personalized tax, investment, legal, or other business and professional advice. Before taking any action, you should always seek the assistance of a professional who knows your particular situation for advice on taxes, your investments, the law, or any other business and professional matters that affect you and/or your business.
Follow us on
© 2026 Raisin SE. All rights reserved.
The Raisin name and logo are trademarks of Raisin SE. All other trademarks, logos, marks, and brand names are the property of their respective owners.
*APY means Annual Percentage Yield. APY is accurate as of [todayDate]. Interest rate and APY may change after initial deposit depending on the terms of the specific product selected. Minimum opening deposit is $1.00.
Raisin is not an FDIC-insured bank, and FDIC deposit insuranc eonly covers the failure of an insured bank.
Raisin is not an NCUA-insured credit union. NCUA deposit insurance only covers the failure of an insured credit union.
Raisin does not hold any customer funds. Customer funds are held in various custodial deposit accounts. Each customer authorizes the Custodial Bank to hold the customer’s funds in such accounts, in a custodial capacity, in order to effectuate the customer’s deposits to and withdrawals from the various bank and credit union products that the customer requests through Raisin.com. The Custodial Bank does not establish the terms of the bank or credit union products and provides no advice to customers about bank or credit union products offered by the applicable bank or credit union through Raisin.com. Each customer also authorizes the Service Bank to move funds among the various banks and credit unions at the customer’s request. First International Bank & Trust (FIBT), Member FDIC, is the Service Bank. Bell Bank and Starion Bank, each Member FDIC, are the Custodial Banks.
†Based on $250,000 in FDIC or NCUA insurance coverage per insurable category of ownership at each partner bank or credit union on the Raisin platform (each a "Product Bank"), when aggregated with all other deposits held by you at such Product Bank and in the same insurable category. Deposits made through Raisin will be eligible to receive deposit insurance from the FDIC or the NCUA (each a "Deposit Insurer") in accordance with and up to the maximum amount permitted by law at each Product Bank. Raisin is not a bank or credit union and does not hold any customer funds. Funds are held at FDIC-insured banks and NCUA-insured credit unions. Deposit insurance covers the failure of an insured bank or credit union. Certain conditions must be satisfied for pass through deposit insurance coverage to apply. Customers may choose to deposit funds with identically registered accounts at different Product Banks on the Raisin platform to be eligible for Deposit Insurer coverage up to $10 million for individual accounts and $20 million for joint accounts when at least 40 Product Banks are utilized. Please be aware, however, that any deposits you have at a Product Bank, whether through the Raisin platform or outside the Raisin platform, that you may hold in the same capacity (such as in an individual capacity or joint capacity) count toward the applicable Deposit Insurer's deposit insurance maximum amount, and any such amounts that you hold in the same capacity at a Product Bank that exceed the maximum insurance coverage by the applicable Deposit Insurer will not be insured. For more information on FDIC deposit insurance, please see here. For more information on the NCUA share insurance fund, please see here. You are solely responsible for monitoring the amount of funds you have on deposit at each a Product Bank, whether through the Raisin platform or outside the Raisin platform, to confirm that the deposits you hold in the same capacity at each Product Bank do not exceed the maximum deposit insurance coverage provided by the applicable Deposit Insurer.