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Personal Finance

How long do checks take to clear?

Quick Answer

Same-bank (on-us) checks clear same day. Local interbank checks clear in 1-2 business days. Reg CC permits holds up to 2 days for $275 of a deposit, 5-7 days for additional funds, and 9 days for new accounts or $5,525+ checks.

Check clearing timeline showing standard funds availability holds.
Warren Team
Updated April 26, 2026
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Important Disclaimer:

The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.

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