A check typically takes about one to two business days to clear and for the funds to become available in your account. Banks are generally required by law to make the first $200 to $225 of a check deposit available by the next business day, with the remaining amount available within two business days

. Factors that can affect the clearing time include:

• The check amount: Larger deposits may be subject to longer hold times, sometimes up to five business days for amounts over $5,525

• The method of deposit: Depositing in person with a teller may clear faster than ATM or mobile deposits, which might require additional verification

• The type of check: Government, cashier’s checks, and checks from the same bank usually clear faster, often within one business day

• Your relationship with the bank: Regular deposits from a known payer may clear quicker after an initial hold period

• Bank policies and cutoff times: Deposits made after the bank’s cutoff time are processed the next business day, affecting availability

In summary, under normal circumstances, you can expect a check to clear within one to two business days, with partial funds (up to $200-$225) often available the next day. However, certain conditions like large amounts, deposit method, and bank policies can extend this timeline. Always check your bank’s specific deposit agreement for precise details