By  Wed Nov 27, 2013

The Time It Takes for a Check to Clear at Top 10 Banks


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It may come as a surprise, but every bank has different procedures and policies that determine how long it takes for a check to clear. Knowing how long it takes for a check to clear is important for money management. It’s helpful to know when funds are expected to be in your account.

When you deal with checks it can seem confusing as to how much money you have actually available. After you look at your receipt or account balance you may notice two different figures. One will read account balance, the other will read available balance. The account balance is what is posted to your account, including funds that have yet to clear. The available balance is the true amount of money in your possession, or the money you actually accessible to you.

The reason these two numbers may be different is because it takes time for your bank to verify the funds for the check you deposited. A person who lives paycheck by paycheck should have a good grasp on how long it takes for a check to deposit. You do not want to be surprised if a check takes longer than expected to clear.

Compare the time it takes to clear a check at the top 10 banks.

How long it takes for a deposited check to clear

Depending on who you bank with will determine how long it takes for a check to clear. All banks are built and organized differently. Some banks offer funds available the next day, while it may take up to three or longer for others. Use the following table to get a breakdown how long checks take to clear at the top 10 banks.

How Long It Takes a Check to Clear at the Top 10 Banks

Bank Standard Deposit Mobile Deposit
Bank of America Same day as long as it is before the cut-off time (posted at branch and ATMs). Next business day as long as deposited before cut-off time (varies by region).
Wells Fargo Next business day. Available next day if deposit is made before 9 P.M. EST, and on second business day if after.
Chase Funds available after midnight if deposited before 8 P.M. local time. Funds available one to two business days after deposit if deposited before 8 P.M. local time.
Citibank All checks deposited subject to standard two to three day clear time. All checks deposited subject to standard two to three day clear time.
U.S. Bank $200 available upon deposit. Rest of funds available next business day, but may take up to five if account is newer than 30 days old. Deposited funds available next business day (cut-off time 9 P.M. CST Monday through Friday).
PNC Funds available next day, or two business days if account is less than 30 days old. Available next day. Out of state checks through remote deposit take two days to clear.
Capital One Funds present on first business day after initial deposit. (cut-off 2 P.M. local time). Funds available next day with 360 Checking or a Capital One Bank account.
TD Bank Available next day if deposited before 8 P.M. EST cut-off time. Available next day if deposited before 8 P.M. EST cut-off time.
BB&T BB&T Checks- Available same night Non-BB&T Checks- Available first business day after deposit. All mobile deposits take three days to clear.
SunTrust Bank Available next day as long as before cut-off time (4 P.M. at local branch and 9 P.M. EST for ATM deposits). Available next business day if deposited before 9 P.M. EST.

(Note: business days do not include Saturday, Sunday, or holidays.)

(UPDATE: Don’t see your bank listed? Then click here and you just may find it)

Waiting for a check to clear

If you have written a check to someone and are waiting for it to clear, the process is different than if you were to deposit it. You have to take the payee into consideration, and when he/she decides to deposit the check, and their banking institution’s policies. You cannot truly predict when the funds will be pulled from your account on a check you wrote, because the other person may wait a while to deposit it on their end.

Review your online statement, account balance at an ATM, or call your bank to verify when the check is deposited.

What about cashier’s checks?

Cashier’s checks are a bit different. Depending on where the cashier’s check originated from will determine how long it takes for the funds to clear. Most banks will make the funds available to you the next day. Practice caution when depositing a cashier’s check.

There are many counterfeit cashier’s checks in circulation. Do not be fooled if the funds are shown available in your account. It can take banks several weeks to figure out a cashier’s check is fake. When a bank finds a fake cashier’s check they retract the money you deposited earlier from your account. Learn how to spot a counterfeit cashier’s check to prevent the chance that you fall for a scam.



Choose Your Checking Account Based on Your Lifestyle

Related Stories:

Premium Checking Accounts Compared at Top 10 Banks

Mobile Check Deposit Takes Over the Top 10 Banks

What It Costs to Cash a Check at Someone Else’s Bank


Add Your 2 Cents

  • Z_Lauren_Z

    Um, Capital One 360 doesn’t clear checks for FIVE business days.

  • ladycruiseagent

    A check drawn on my BOA account and deposited into my Regions account before 4pm will clear my BOA account the same day. But the reverse (Regions deposited into BOA) takes an additional day to clear. Go figure.

  • Dave Keeling

    I opened an account at BB&T and wrote a $50,000 check drawn on Fifth Third bank from the sale of my house. The money was taken out of my Fifth Third account the same day but it took 11 working days to be credited in my BBT account. I was not a happy person. Totally uncalled for in this day of wire transferring money. And….it was a certified check.

  • Bank buster

    Yes, & Suntrust is still “2 business days” for my business account. Which translates to two business days starting the day after you deposit the check. Which is actually about 5 days total if you deposit on a Wednesday afternoon. Funds will be available the following Tuesday. Guess what? I will no longer be banking with Suntrust

    • Buddie

      Been banking at Suntrust for 25 years deposited 2 checks $16,500.00 &10,300.00 Sunday night call the teller Monday she informed me she took care of it for me received a call today that the money would not be available till 2/11/14 she said they could not cofirm that money was available from the 2 banks the different bank Chase and Bank of America Called the person that gave me the check for 16,500.00 the check cleared their bank on Monday 2/3/14 thiis would mean the bank is holding my money for 8 days ????

      • A Helping Hand

        Per Reg CC, banks have the right to hold large deposits (anything over $5k) for up to 7 business days following the deposit. So with that information in hand, the bank actually gave you pretty good treatment by making the funds available on the 6th business day (2/11) following your deposit (2/3). I know you said you deposited it on a Sunday night (assuming via mobile), but it really doesn’t matter if you did it Sunday night (2/2) or Monday (2/3) during the day before the cut off time because it’s really isn’t processed until Monday night.

  • JLew

    Ally isn’t on this list… for good reason. So, FYI… Ally can hold a check deposit for up to SIX business days. Gawd forbid you should have a small NSF lasting for one day…. they are very unforgiving and have poor customer appreciation.

  • stan

    Capital one 360 takes 10 days for a check deposited in the savings. i called about this and need the cash for bills. My error of which I was not aware that savings is different from checking. Annoying hyped advertising on phone as one waits one of their “just a seconds”.

  • Seriously Spain

    I found Bank of America to be the absolute worst when it came to clearing checks. Four to five days sometimes, even though they always told me it was supposed to be ‘same day’ or 24 hours at the most.

    What with this, plus ridiculous scam fees, I finally closed my Bank of America account a couple of years ago and went with a credit union instead. Haven’t had a problem since :)

  • Guest

    You need to spell out the difference to people between a checks worth being made available and actually clearing the other parties bank. What you are talking about in the table above is when your bank makes the funds available to you. NOT the check clearing. I bank at Chase and most of the time funds are mine to use the next day. That does not mean those funds have been collected and that the check will not bounce when it reaches the other person’s bank in a couple days time.