Checks, holds and cashing
How long does a check take to clear?
Say what you deposited, how and when. The calculator gives the latest date the bank may make each part of it available, holidays and cutoff included.
All of it available by
Thursday, October 29, 2026
Counted as deposited on Tuesday, October 27, 2026. Funds open from 9:00 a.m. local time that day at the latest.
| $275 | Wed, Oct 28 | First $275 of the day’s check deposits: next business day (§ 229.10(c)(1)(vii)) |
| $925 | Thu, Oct 29 | Rest of the check: second business day (local check) (§ 229.12(b)) |
To take it out as cash, the bank may wait until Fri, Oct 30, except $550 by 5:00 p.m. on the day above (§ 229.12(d)).
- Regulation CC was written for paper deposits: a mobile deposit is treated here as a deposit not made in person. Your bank’s mobile deposit terms say how it applies the schedule to the app.
These are the latest dates the regulation allows. Many banks release funds sooner; your deposit receipt or the bank’s availability policy shows its own schedule.
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A check deposited in a US bank or credit union must be made available on a schedule fixed by federal law, Regulation CC (12 CFR Part 229). For an ordinary personal, business or payroll check with no exception, the first $275 is due by the next business day and the rest by the second business day after the day of deposit. Cashier’s, certified and teller’s checks, US Treasury checks, postal money orders and state or local government checks deposited in person to a teller are due in full the next business day. The amounts changed on July 1, 2025: $275 replaced $225, and the large-deposit threshold rose from $5,525 to $6,725. “Clearing”, the moment the paying bank actually honors the check, can take longer than availability: a bank must let you use the money on time, but it can still take it back if the check later bounces. The calculator above counts business days for any date, skipping weekends and federal holidays.
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The schedule in one table
Every date in the calculator comes from a handful of rules. The table shows them for a deposit made before the cutoff on a business day, with no exception invoked. “Day 1” is the first business day after the day of deposit.
| Deposited | In person to a teller | Mobile app, ATM of your bank or mail | Rule |
|---|---|---|---|
| Cash | Day 1 | Day 2 | § 229.10(a) |
| Direct deposit, wire | Day 1 | Day 1 | § 229.10(b) |
| US Treasury check | Day 1 | Day 1 | § 229.10(c)(1)(i) |
| Postal money order, cashier’s, certified, teller’s, state or local government check | Day 1 | Day 2 | § 229.10(c)(1)–(2) |
| Check drawn on your own bank | Day 1 at a branch | as any other check | § 229.10(c)(1)(vi) |
| Any other check, first $275 | Day 1 | Day 1 | § 229.10(c)(1)(vii) |
| Any other check, the rest | Day 2 | Day 2 | § 229.12(b) |
| Any deposit at another bank’s ATM | Day 5 | Day 5 | § 229.12(f) |
The regulation does not mention mobile deposits by name. A photo sent from an app is not handed to an employee, so the calculator treats it like a deposit at the bank’s own ATM: next-day items move to the second business day, and ordinary checks keep their schedule. Your bank can be more generous, and several publish a next-day promise for mobile deposits made before their evening cutoff.
Cutoff hours and the day of deposit
All the counting starts from the day of deposit, and that day depends on the clock. A bank may treat a deposit received after its cutoff hour as received on the next business day, but it may not set that hour earlier than 2:00 p.m. at a branch or 12:00 noon at an ATM or off-premises facility (§ 229.19(a)(5)). Deposits made on a Saturday, a Sunday or a holiday count on the next business day too. Funds due on a given day must be available by 9:00 a.m. local time or when the bank opens, whichever is later.
Did you beat the cutoff?
Counts as deposited on
Monday
| First $275 by | Tuesday |
| Rest of a $1,000 check by | Thursday |
Cutoff may not be earlier than 2:00 p.m. at a branch or 12:00 noon at an ATM (§ 229.19(a)(5)).
For mobile deposits, banks publish later evening cutoffs, from 6 p.m. ET at Navy Federal to 11 p.m. ET at Chase; the cutoff times page lists every one that could be read.
When a bank may hold longer
Six situations allow a hold beyond the normal schedule (§ 229.13): a new account in its first 30 days, deposits of more than $6,725 in a day, a check that was returned unpaid and deposited again, an account overdrawn repeatedly in the last six months, a reasonable cause to believe the check will not be paid, and emergencies. Except for new accounts, the bank must give you a written notice that says why and when the funds will be available. The extra time is limited to a “reasonable period”, which the regulation defines as five more business days for an ordinary check. The hold rules page goes through each case with examples.
Two more amounts matter when you want cash rather than a card payment. The bank may take one more business day before you can withdraw a check deposit in cash, except $550 that must be available by 5:00 p.m. on the normal day. And if you deposit at another bank’s ATM, the fifth business day applies to the whole deposit.
Business days and holidays
A business day is any weekday that is not one of the ten federal holidays listed in § 229.2(g). A holiday that falls on a Sunday moves the day off to Monday, so Independence Day 2027, a Sunday, makes Monday July 5 a non-business day. A holiday on a Saturday does not make the Friday a holiday. Juneteenth, June 19, is a federal holiday that the regulation’s list does not include; most banks close and their disclosures say “federal holidays”, so the calculator skips it by default, with a switch to count it. The bank holidays page has the full calendar for this year and next.